Super Rules, OK?

Do you rule your superannuation or does it rule you?

It is easy to fall for some myths about your super unless you have some clear thinking about who is in charge. Virtually all Australian employees now have a superannuation account, many have different, even more than they know. We all hope to use to fund our pension this money but unless you for your super then you are in danger of losing some of your money along the way.

Myth number 1.

Someone else can look after my super. Only partly right. It's possible your working life to your super run on autopilot, but you may be in for an unpleasant surprise if you do not keep an eye on your super. Make sure your employer is paying the right amount, and that if your employer goes broke your super is still available.

If you change jobs you must decide whether you want to "roll" of money to another fund. This is especially important if you frequently change jobs. You may notice relatively small amounts spread over several funds, and in each you have to pay a management fee before you earn. Benefit or interest In the long term inflation will eat away at the value of your principle, although the dollar amount remains the same. Many companies offer super consolidate for you. A free service to small accounts Use them.

Myth number 2.

It's not my money until I retire. Dead wrong. It's your money, like the rest of the money in your pay packet. Super funds are providing a service of managing your money until you can open when you retire legally. You have control over it. After July 2005 you have to say about money. More If you are not satisfied with the service you need to tell the service provider. If they can not resolve the issue, you can remove them and put your money elsewhere.

Myth number three.

I do not have to worry about it until I'm at least fifty-something. Not really. Australians live longer and enjoy better health. You will need more money if you want more options in retirement. You will probably need over your super to achieve in your golden years financial independence. The sooner you start the better.

The Australian Government is generously giving away our money to help low and middle income above their super. It is called the superannuation co-contribution scheme. If you or your spouse into account, make sure that you have your share.

Fact number 1.Our superannuation is our money. To look after your super you need to learn about your rights and options. It is a long-term task. You need to get information and advice. Not hurry but soon begins.

Darby Higgs is a Melbourne-based web writer. Read more about how he retired at

Trading Systems

A trading system is a set of rules for viewing markets and making trades . The advantages of trading systems can be hidden when they are associated with trading platforms that trade order submission and processing . A clarification of their roles may help explain the benefits of the use of a system for trading. This can be done without the identification of a particular platform or system. Once the platform infrastructure is isolated , it can take at why a trader can take advantage of a trading system . A brief look

An online trading platform consists of the infrastructure for viewing market prices and making trades . While platforms use the user supplied hardware and the Internet itself , platforms consist of software linked to a database while displaying quotations, which order entry and routing orders to an exchange. A platform of software and order routing services provided by many brokers . It contains often bring programmable card software that allows a user to choose from a range of sizes for the price, volume and technical indicators . Links to real-time databases are used by day traders while free delayed quotes are ideal for position traders that analyze data after the markets close minimize the emotional stress of price changes. Platform software saves time and reduces errors by automating repetitive tasks .

Some platform tools have become quite sophisticated, so that a user's personal rules for making trades to add . Rules tell the software to control which set of indicators and the prices and levels of traded instruments are bought and sold . Automated trading software systems are preprogrammed with trading rules which make them with minimal user input . Trades These software modules , designed by external suppliers operate under existing platforms are based on algorithms that identify . Price trends and market turning points Since their accuracy is limited by the assumed market volatility , it is necessary to recognize when market volatility falls outside the envelope for which the rules were designed software . An algorithm The quality of a set of rules can be estimated on the basis of historical back testing on the market prices in the past is stored in a database. It is often noted that the backtesting lacks the realism of real time emotional stress and past performance is not a reliable indicator of future performance . While the latter is valid in all cases , the nature of the trading rules reduces emotional stress to the extent that the rules are consistently followed .

In any case, it is the rules themselves that the trading system exist . In its purest form , trading systems in the form of a compact set of lines on the paper .

The ability to make flawless decisions amid changing prices in an environment of fear and greed consistent unlikely without the discipline rules . It does little good if the price control , mapping , and routing infrastructure to submission if one does not have a consistent set of rules for making trades . Most of us find this out the hard way , judging by the statistics that only about 12 % of the stock traders are successful . For futures traders the number closer to 5 % . It is no coincidence that the percentage of traders who rely on a proven trading system is near the same level . The consistent use of a proven trading system can be most beneficial for traders of all levels of experience .

Seeing the difference between trading systems and platform infrastructure makes the characteristics of a good trading system more obvious . A good trading system is explained when the trade should not be attempted , thus , avoiding forced trading under inconvenient circumstances . It should indicate how to hunt to eliminate generate independently . After the last hot tip from an advisor strong watch list of prospective transactions need For obvious reasons, a trading system are easy to use , completely objective , takes little time a trader and make consistent profits . It should also avoid large draw downs and give clear trading signals .

A trading system is best learned from a master trader who remains actively involved in education. The master students can tailor the system to help his personality , financial resources , risk tolerance and skill level . The next best approach is to simply read what is written and he takes it on one's personal situation . But under no circumstances should one try to wing it without the support of a set of trading rules . The advantage of rule-based trading systems lies in their objectivity and consistency . If consistently followed , his emotional trading and the associated errors removed from the equation. As an investment , trading systems more than pay for itself , not only in profits , but also in the amount of capital preservation . This applies not only to sophisticated automated trading systems , but also for a compact set of rules on paper.

James Andrews publishes a newsletter on where one can read about compact trading templates and advanced automatic trading systems . © 2005 Permission is granted to reproduce this article as long as this paragraph is included intact .

What My Horse Had For Breakfast

Let's see , he had some oats , fresh alfalfa and his vitamins . I know from the mixture that is delicious food and he will win . Seventh game of the afternoon He can not lose because of his diet and a good jockey will ride him go .

Kinda reminds me of what my broker ( horse trainer ) told me to do when selecting a mutual fund I buy . He said to check what is in the fund ( the mixture of stocks , as was breakfast my horse ) and see if there was a good fund manager ( the jockey ) . I did what he said and carefully. Annual report and the prospectus Sounds great so I bought it .

What I can not understand is that I did all the things that the horse trainer said I should and " Rocket " , the name of my horse , came in 6th in an 8 - horse race . All I wanted him came in the first did and I can not say I 'm crazy about that fund , either .

This fund has a 5 - star rating, is managed by one of the big names on Wall Street and features 60 of the most famous company shares that I can think of and still is going down . I'm all conventional wisdom says I should do, but I keep losing . Is there and answer ?

I 'm not so sure about the horse , but I know that the conventional wisdom of Wall Street is mostly smoke and mirrors . I read the report , but I forgot that " annual" means that much of the information is over a year old. How much help can that be? And I forgot that the prospectus is not written to relieve me, but for the bean counters in Washington . It is intended to provide all financial information I need to buy to make me care. Available a decision All this research is nonsense , because it will not tell me one important thing I need to know - will the price increase so I can make a profit ? Unfortunately my broker not going to help much here even if he is trained by the Wall Street method that has nothing to do with making money or protecting my capital has .

Anyone can look up all sorts of information , but when it comes to this question : Will know all these things make me any money ? I've always found that if I can find it is not worth to know no more , because that information is already reflected in the price of the stock or mutual fund . So why would you ?

Wall Street brokerage companies want you all that "research" to do , because if what you buy does not go up , they can say you knew about before you bought it . It was not their fault that you did not understand.

I think I have to sell . That horse And stop listening to my broker .

Al Thomas ' book , "If it does not go up , do not buy ! " Has helped thousands of people make money and keep their profits with his simple 2 - step method . Read the first chapter at  and discover why he's the man that Wall Street does not want you to know .

Trading Baskets Part I

Q. What is a basket ?

A basket is a group of up to 50 stocks that you can trade , manage and track as a single entity .

In another article , I wrote about a rather conservative method of being in the stock market. See : " A Triple Dipper : How to Make 3 Profits on 1 Stock " at

This time let's talk a little about the market " baskets " . The above definition may need to be expanded just a bit . You can baskets with longer -term buy-and - hold strategy , a shorter -term swing trading approach or as a day trader trading . A basket of stocks is nothing more than a group of files that someone has grouped together for a number of reasons . They may be of the same sector , or they may be composed of a number of stocks in different sectors .

An example of a pair of baskets placed below what might look like. To save time and space I will only use the stock symbols . You can search for them later if you're interested . Let's say you see stem cell research as the thing of the future and wanted to be invested . If you do not know what stock comes to fair the best , you can buy a basket of stocks that is constructed from ASTM GERN and STEM . This would be a basket of stocks of stem cells . Now let's say you think that see the Internet stocks look good and, again , you're not sure what the best will do . Internet in your basket you may want to pick up some shares of EBAY , YHOO and AMZN . Obviously your basket can create an unlimited number of files you want to include . Many online brokers will actually allow to set up baskets in your account , and you can all at once on the entire basket in a sales order or pick and chose what you want to sell . I 'm not recommending these shares in any way or form , but only as examples.

Okay, that's pretty basic , but I 'm sure you get the picture. The above examples would be more or less the kind of baskets you would probably think of the business for some time and not day trading .

Most day traders have a very different kind of basket of stocks . A day trader can become any number of shares are trading basket that he or she is very familiar with . They studied them and even brought them for intraday movement ( I hope) for some time and trading habits of individual stocks have learned . They have a pretty good idea of ​​how the stock moves on a daily basis with or without news . They have knowledge of how it responds to earnings , analyst upgrades , analyst downgrades and other events that can be recurrent . They have probably learned how to hit when the market by surprise events . They know which market makers to the nearest look . They also know who the main market maker in the stock , often referred to as the ax .

Basket A day trader can have any number of stocks . A good average would be somewhere between 25-50 stocks . But can also be larger or smaller. I have a stock that traders traded all day and knew nothing else. I have others that are able to watch 300 shares were known . I personally think that is way too much .

When I acted I had a basket of about 75 stocks. Some I knew were only game news or when reporting income. Others were fairly reliable moves on a daily basis . And still others were extremely sensitive to any kind of news or event .

Today , if I was going to put together a basket of shares I would look at the following symbols : GOOG , TASR , TZOO , AIRT , QLGC , SYMC , PLMO , KMRT , EBAY , SINA , RIMM , RMBS , PCLN , and DCLK and other NASDAQ stocks . I would not over look New York Stock Exchange shares , although many do. I would look at : MO , PFE , CAT , GE , GM , TYC , MRK , MOT , and others . Keep in mind , I am not recommending any of these stocks specifically for you to buy or exchange . I 'm just trying to give you an example of what a basket can see . You need to decide which stocks to add to your basket based on your own knowledge gained through experience and research on each file yourself.

I think every trader should have a basket of shares that he or she follows and trades have . Day trading without your own basket increases the risk and puts you in a position where you 're always looking for something to trade . On slow days where the market is simply not offering much in the way of trading opportunities , you may tend to jump on shares , under different circumstances , you would have passed . Having your own basket of stocks will decrease . Your exposure to risk They may not move under better market conditions slow , but at least you will have some knowledge of how they move .
In Part II , I will tell you about a special basket trading technique that I used during the first boom days of day trading . It can be a valid concept today still .

No permission is required to reproduce an unedited version of this article as long as it is still included in tact and hot links. About the author tag We request that we be aware of where it is placed , so reciprocal links can be considered . Email floyd@sbmag.org .

Floyd Snyder has been trading and investing in the stock market for three decades . He was at the forefront of the day trading craze that swept the nation back in the late1990 's both as an entrepreneur and as a moderator of one of the largest real-time trading rooms of the Internet . He is the owner of

Larry, Moe and Curley, Investment Brokers

Larry , Moe and Curley were sitting in their
favorite restaurant just off Wall Street have
their usual 3 martini lunch and discussed
events of the day and their client portfolios.

Larry : " I had 12 calls this morning
of customers who want to know why the
market was going down . "

Moe : What did you tell them ? "

Curley : " Yes , that " where another
sip of his drink offering .

Larry : . " You know, this is the usual
a normal correction and not to worry . I'm
viewing your account . The market always
return. "

Moe : " That's the same BS I tell them . "

Curley : "I have more than 300 accounts
and I can not look great except my 5
merchants. Who cares about the others right?
My company does not tell me that they have to sell when
their stock starts going down and they believe that the old
saw about ' hang in there for the long term . " I
blew out all my stocks last week. thank
goodness . The market has dropped 300 points
since then .

Moe : " It would be better for the customers
If our company would say that they should use
stop loss orders. "

Larry and Moe , screaming in a single
voice : " Do not say that if we fired" . they
both bonk him on the head spilling his drink .
" Nyuk . Nyuk . "

Yes, it may sound funny , but there is
more truth than fiction in which imaginary
conversation .

Why not tell brokerage firms
to sell when the market is their customers
decreases ?

There are two reasons . First, any large
brokerage do not want to get on the bad side
of a company . That company would be a public
offering later and they certainly will not
be asked to one of the stocks or bonds to sell . this
is where the big money on Wall Street .
The second reason is that they do not want the
customer to cash in his account. he would
take it out . Brokers earn money even if you do
no trade . It's not much, but it keeps the
pilot lights .

Brokers also discourage customers stop loss
orders because it is more paper work for them
and then they look at your account .
Unless your account is high 6 - or 7 figure - figure
you're not on the radar screen . Mr. Broker ( a
appropriate name for what he does with your
money) has an average of 300 accounts and many
have 600 or 700 . When new people come into their
office they give them the small bills .

When a broker passes his securities license
he gets two manuals . One is SEC regulations
to be followed , and the second is how
Open accounts. There is no third guide on how
to protect . customers money or trade brokerage
companies want their salespeople to follow
business line and push certain products . there is
no thought of customer protection .

If your broker is Larry , Moe or Curley 's
time in order to find a new one.

Al Thomas ' book , "If it does not go up , do not buy ! " Has helped thousands of people make money and keep their profits with his simple 2 - step method . Read the first chapter at  and discover why he's the man that Wall Street does not want you to know .

Moving Average Convergence Divergence ( MACD ) Charts

The Moving Average Convergence Divergence charts, or MACD charts for short, is a technical indicator that is derived from the more simple moving average .

The MACD charts are oscillating indicators , meaning that they move above and below a centerline or zero . As with other oscillating and momentum indicators , a very high value indicates that the stock is overbought and will likely fall quickly . Conversely, a constant low value indicates that the stock is oversold and is likely to climb .

THE 12 DAYS AND 26 DAYS EMAS

The MACD charts are based on three exponential moving averages , or EMA . These averages can be of any period , although the most common combination , and one we will focus on, are the 12-26-9 MACD charts.

There are two parts to the MACD . We will first focus on the first part , which is based on the stock of the 12-day and 26 - day EMA . The 12 - day EMA is the faster EMA while the 26 - Day is slower.

The logic behind the use of a faster and slower EMA is that this can be used to measure momentum . When it faster (in this case 12 - Day ) EMA is above the slower 26 - Day EMA , the stock is in an uptrend , and vice versa . If the 12 - Day EMA is much faster than the 26 - Increase Day EMA , the uptrend is getting stronger and more pronounced . Conversely , when the 12 - day EMA starts to slow down , and the 26 - Day begins to near it, is the momentum of stock movement begins to fade , that the end of the uptrend .

LINE MACD

The MACD charts use these 2 EMA by the difference between them and the release of a new line . Very often , this new line is shown as a thick black line in the middle graph.

When the 12 - and Day 26 - Day EMA are the same value , the MACD line is at zero . When the 12 - Day EMA is above the 26 - Day EMA , the MACD line into positive territory . The further the 12 - day EMA of the 26 - day EMA , the MACD line is farther from the center or zero .

THE 9 DAYS EMA

This line on its own is not much more to tell. A moving average It is more useful when we consider the 9 - day EMA . This is the third value when we talk of 12-26-9 MACD charts. Note that the 9 - day EMA is an EMA of the MACD line , not the stock price. This EMA ( the thin blue line along the MACD line ) acts as a normal EMA and smoothes the MACD line .

The 9 - day EMA acts as a signal line or trigger line for the MACD . When the MACD line crosses above the 9 - Day EMA from below , it indicates that the downtrend is over and a new uptrend is formed . Time to consider. Bullish strategies Conversely, when the MACD line drops below its 9 - day EMA , a new downtrend forms and it is time to perform. Bearish strategies

THE MACD HISTOGRAM

Up to now, we relate to the simplest form of interpretation of the MACD charts. We now look at the MACD histogram . Like the MACD line is the difference between the 12 - and Day 26 - Day EMA , the MACD histogram is the difference between the MACD line and its 9 - day EMA .

So when the MACD line crosses above its 9 - Day EMA , the MACD histogram stabbing above zero . In other words , it is a bullish signal is obtained when the MACD histogram crosses above zero, and a bearish signal is obtained when these crosses zero .

Positive and negative DIVERGENCE

The MACD histogram forms valleys and peaks . Sometimes, a plurality of peaks are formed , with each successive peak is getting lower and lower. This increasingly lower peaks will constitute what is known as a negative divergence . A negative divergence on the MACD histogram is an indication that the change of the trend would return in the near future . This can happen even if the actual rate seems to make higher peaks in the graph. In short , the MACD histogram negative divergence is a warning that the stock would decline rapidly .

The positive divergence on the MACD histogram predicts the next uptrend . However , sometimes these differences can create false alarms. If we would have bought in a downtrend . These signals ,

As such, I would like to remind you that the individual indicators such as the Moving Average Convergence Divergence ( MACD ) should not be used on their own, but rather with one or two additional indicators of different types , secured with a view to possible signals graphs and prevent false alarms .

Steven is the webmaster of  To learn more about Option Trading or Technical Analysis learn, do visit for various strategies and resources to help your stock market investments . More

Types of Investment

The word 'investments' is one that most of us are familiar with hearing in financial terms. For many of us, it can make us thing of big business and vasts sums, but there is much in the world of investment as a multi-million dollar deals.
Although it is true that go on the top level, investments in many millions, it is for the average person on the street, to invest smaller amounts of money and invest it wisely possible. If you ever try to help your money grow thought, then perhaps you have been wondering what options are available.
In truth, investments can cover a wide range of options. One of the traditional types of investments in the stock market. This was considered by some to be a difficult type of investment to get into, but the times are changing. Mean the new range of online stock brokers available that it is now easy (and fairly cheap) to engage in the purchase and sale of shares. If you are interested in shares dealing yourself, then you would be wise to remember that there is a risk ("Shares can go down in value as well as up"). It is important that you examine the area thoroughly before. The jump and you should see shares as medium to long term investment If you expect to invest to make a quick buck, then you will probably be disappointed.
An alternative type of investment that is particularly popular in the UK is that of ownership. Putting money in residential real estate and then a rental income is seen by many as a win-win situation. The main disadvantage of this type of investment is that you need a big capital to start with, otherwise you have to take a substantial loan. As with the stock market, real estate should be viewed as a long-term investment.
If you want to know more about investment opportunities, then there are many good, free information available online. The  website is one of the many websites that deals with personal finances.
David Johnson is a freelance writer who specializes in personal finance informative information. This article is provided free of charge, on the condition that you provide a link to