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		<title>Avoiding suspicious activity reports in cash transactions</title>
		<link>http://www.isscaa.org/avoiding-suspicious-activity-reports-in-cash-transactions.html</link>
		<comments>http://www.isscaa.org/avoiding-suspicious-activity-reports-in-cash-transactions.html#comments</comments>
		<pubDate>Tue, 22 Nov 2011 17:54:46 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Investing]]></category>
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		<guid isPermaLink="false">http://www.isscaa.org/?p=1247</guid>
		<description><![CDATA[Many people ask &#8220;just what is considered illegal or suspicious activity when moving cash?&#8221; Some people have gone to the bank with the cash proceeds of a garage sale or a car sale on the weekend, and recounted horror stories of multiple questions by bank employees and have sometimes been reported to the government as [...]]]></description>
			<content:encoded><![CDATA[<p>Many people ask &#8220;just what is considered illegal or suspicious activity when moving cash?&#8221; Some people have gone to the bank with the cash proceeds of a garage sale or a car sale on the weekend, and recounted horror stories of multiple questions by bank employees and have sometimes been reported to the government as suspected criminals.</p>
<p>The reality is that such reporting is very plausible. Most western countries have enacted cash transaction legislation that mandates it. In Australia, anything over $10,000 must be reported to regulators, and any amount under that that bank staff deem suspicious. Likewise in the U.S. So, if youre unusually scruffy-looking and wander into a bank with $4,000 cash to deposit, its very possible you will be reported by the teller. (See our article Money Laundering Defined on the web site www.powerprivacy.com for details on U.S. Currency Transfer Reports, or CTRs.)</p>
<p>Heres a list of most things that can trigger staffs suspicion and get you reported next time you go to the bank. Banks will not give you a list of or even admit the existence of these criteria, regardless how much you ask:<br />
- A customer refuses to provide identification or explain the purpose of a transaction.<br />
- A customer has a known criminal background and engages in substantial transactions.<br />
- A customer is ignorant of basic facts regarding the transaction or is unconcerned about rates, taxes, etc.<br />
- A customer is controlled by another person, particularly where the customer appears unaware, infirm or elderly and is accompanied by a non-relative.<br />
- A customer conducts cash transactions when his/her employment or business does not ordinarily generate or require such amounts of cash.<br />
- A customer repeatedly sends or receives wire transfers of any dollar amount when his/her business does not normally require or originate such wires.<br />
- A customer has no apparent source of income, yet conducts repeated transactions.<br />
- A customer offers a seller a gift, gratuity or bribe to complete a transaction.<br />
- A customer divides transactions into smaller amounts to avoid identification or reporting requirements.</p>
<p>Suspicious Customer Behavior<br />
- Customer has an unusual or excessively nervous demeanor.<br />
- Customer discusses your record keeping or reporting duties with the apparent intention of avoiding them.<br />
- Customer threatens an employee attempting to deter a record keeping or reporting duty.<br />
- Customer is reluctant to proceed with a transaction after being told it must be reported.<br />
- Customer suggests payment of a gratuity to an employee of the financial institution.<br />
- Customer appears to have a hidden agenda or behaves abnormally, such as bypassing the chance to obtain a higher interest rate on a large account balance.<br />
- Customer who is a public official opens account in the name of a family member who begins making large deposits not consistent with the known legitimate sources of income of the family.<br />
- Customer makes a large cash deposit without counting the cash.<br />
- Customer frequently exchanges small bills for large bills.<br />
- Customer&#8217;s cash deposits often contain counterfeit bills or musty or extremely dirty bills.<br />
- Customer who is a student uncharacteristically transfers or exchanges large sums of money.<br />
- Account shows high velocity in the movement of funds but maintains low beginning and ending daily balances.<br />
- Transaction includes correspondence received that is a copy rather than original letterhead.<br />
- Transaction involves offshore institutions whose names resemble those of well-known legitimate financial institutions.<br />
- Transaction involves unfamiliar countries or islands that cannot be found in an atlas or map.<br />
- Agent, attorney or financial advisor acts for another person without proper documentation such as a power of attorney.</p>
<p>Suspicious Customer Identification Circumstances<br />
- Customer furnishes unusual or suspicious identification documents and is unwilling to provide personal background data.<br />
- Customer is unwilling to provide personal background information when opening an account.<br />
- Customer opens an account without identification, references or a local address.<br />
- Customer&#8217;s permanent address is outside the bank&#8217;s service area or outside the country.<br />
- Customer&#8217;s home or business telephone is disconnected.<br />
- A business customer is reluctant to reveal details about the business activities or to provide financial statements or documents about a related business entity.<br />
- Customer provides no record of past or present employment on a loan application.<br />
- Customer claims to be a law enforcement agent conducting an undercover operation, when there are no valid indications to support that.</p>
<p>Suspicious Cash Transactions<br />
- Customer comes in with another customer and they go to different tellers to conduct currency transactions of less than $10,000.<br />
- Customer makes large cash deposit containing many $50 and $100 dollar bills.<br />
- Customer opens several accounts in one or more names, then makes several cash deposits that are less than $10,000.<br />
- Customer conducts unusual cash transactions through night deposit boxes, especially large sums that are not consistent with the customer&#8217;s business.<br />
- Customer makes frequent deposits or withdrawals of large amounts of currency for no apparent business reason, or for a business that generally does not generate large amounts of cash.<br />
- Customer conducts several large cash transactions at different branches on the same day, or orchestrates persons to do so on his behalf.<br />
- Customer deposits cash into several accounts in amounts below $10,000 and then consolidates the funds into one account and wire transfers them outside of the country.<br />
- Customer attempts to take back a portion of a cash deposit that exceeds $10,000 after learning that a currency transaction report will be filed on the transaction.<br />
- Customer conducts several cash deposits below $10,000 at automated teller machines.<br />
- Corporate account has deposits or withdrawals primarily in cash rather than cheques.<br />
- Customer frequently deposits large sums of cash wrapped in currency straps, stamped by other banks.<br />
- Customer makes frequent purchases of monetary instruments for cash, in amounts less than $10,000.<br />
- Customer conducts an unusual number of foreign currency exchange transactions.<br />
- Customer frequently uses foreign currency to purchase bank cheques under $3,000.</p>
<p>Suspicious Non-Cash Deposits<br />
- Customer deposits a large number of traveller&#8217;s cheques often in the same denomination and in sequence.<br />
- Customer deposits money orders bearing unusual markings.</p>
<p>Suspicious Wire Transfer Transactions<br />
- Non-accountholder sends wire transfer with funds that include numerous monetary instruments of less than $10,000 each.<br />
- An incoming wire transfer has instructions to convert the funds to bank cheques and mail them to a non-accountholder.<br />
- A wire transfer that moves large sums to secrecy havens such as the Cayman Islands, Hong Kong, Luxembourg, Panama or Switzerland.<br />
- An incoming wire transfer followed by an immediate purchase by the beneficiary of monetary instruments for payment to another party.<br />
- An increase in international wire transfer activity, in an account with no history of such activity or where the stated business of the customer does not warrant it.<br />
- Customer frequently shifts purported international profits by wire transfer out of their home country.<br />
- Customer receives many small incoming wire transfers and then orders a large outgoing wire transfer to another country.<br />
- Customer deposits bearer instruments followed by instructions to wire the funds to a third party.<br />
- Account in the name of a currency exchange house receives wire transfers or cash deposits of less than $10,000.<br />
<span id="more-1247"></span><br />
Suspicious Safe Deposit Box Activity<br />
- Customer&#8217;s activity increases in the safe deposit box area, possibly indicating the safekeeping of large amounts of cash.<br />
- Customer often visits the safe deposit box area immediately before making cash deposits of sums less than $10,000.<br />
- Customer rents multiple safe deposit boxes.</p>
<p>Suspicious Activity in Credit Transactions<br />
- A customer&#8217;s financial statement makes representations that do not conform to Generally Accepted Accounting Principles.<br />
- A transaction is made to appear more complicated than it needs to be by use of impressive but nonsensical terms such as &#8220;emission rate,&#8221; &#8220;prime bank notes,&#8221; &#8220;standby commitment,&#8221; &#8220;arbitrage&#8221; or &#8220;hedge contracts.&#8221;<br />
- Customer requests loans to offshore companies or secured by obligations of offshore banks.<br />
- Customer suddenly pays off a large problem loan with no plausible explanation for the source of funds.<br />
- Customer purchases certificates of deposit and uses them as collateral for a loan.<br />
- Customer collateralises a loan with cash deposits.<br />
- Customer uses cash collateral located offshore to obtain a loan.<br />
- Customer&#8217;s loan proceeds are unexpectedly transferred offshore.</p>
<p>Suspicious Commercial Account Activity<br />
- Business customer presents financial statements noticeably different from those of similar businesses.<br />
- A large business presents financial statements that are not prepared by an accountant.<br />
- Retail business that provides cheque cashing service does not make large withdrawals of cash against cheque deposits, possibly indicating that it has another source of cash.<br />
- Customer maintains an inordinately large number of accounts for the type of business purportedly being conducted.<br />
- Corporate account shows little or no regular, periodic activity.<br />
- A transaction includes circumstances that would cause a banker to reject a loan application because of doubts about the collateral&#8217;s validity.</p>
<p>Suspicious Trade Financing Transactions<br />
- Customer seeks trade financing on the export or import of commodities whose stated prices are substantially more or less than those in a similar market situation.<br />
- Customer makes changes to a letter of credit beneficiary just before payment is to be made.<br />
- Customer changes the place of payment in a letter of credit to an account in a country, other than the beneficiary&#8217;s stated location.<br />
- Customer&#8217;s standby letter of credit is used as a bid or performance bond without the normal reference to an underlying project or contract, or in favor of unusual beneficiaries.</p>
<p>Suspicious Investment Activity<br />
- Customer uses an investment account as a pass-through vehicle to wire funds, particularly to off-shore locations.<br />
- Investor seems unconcerned about the usual decisions to be made about an investment account such as fees or suitable investment vehicles.<br />
- Customer wants to liquidate a large position through a series of small transactions.<br />
- Customer deposits cash, money orders, traveller&#8217;s cheques or bank cheques in amounts under $10,000 to fund an investment account.<br />
- Customer cashes out of annuities during the &#8220;free look&#8221; period or surrenders early.</p>
<p>Suspicious Employee Activity<br />
- Employee exaggerates the credentials, background or financial ability and resources of a customer, in written reports the bank requires.<br />
- Employee frequently is involved in unresolved exceptions or recurring exceptions on exception reports.<br />
- Employee lives a lavish lifestyle that could not be supported by his or her salary.<br />
- Employee frequently overrides internal controls or established approval authority or circumvents policy.<br />
- Employee uses company resources to further private interests.<br />
- Employee assists transactions where the identity of the ultimate beneficiary or counter party is undisclosed.<br />
- Employee avoids taking holidays.</p>
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		<title>Angel Investors Bring Big Ideas To Reality/Radio</title>
		<link>http://www.isscaa.org/angel-investors-bring-big-ideas-to-realityradio.html</link>
		<comments>http://www.isscaa.org/angel-investors-bring-big-ideas-to-realityradio.html#comments</comments>
		<pubDate>Tue, 04 Oct 2011 19:31:22 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Angel Investors Bring Big Ideas To Reality/Radio]]></category>

		<guid isPermaLink="false">http://www.isscaa.org/?p=1208</guid>
		<description><![CDATA[If you&#8217;re an emerging company with the next great product, sometimes you need an angel on your side. A study by the University of New Hampshire&#8217;s Center for Venture Research showed that &#8220;angel investors&#8221; &#8211; high-net-worth individuals willing to invest in entrepreneurial companies at an early stage &#8211; shelled out more than $18 billion into [...]]]></description>
			<content:encoded><![CDATA[<p>If you&#8217;re an emerging company with the next great product, sometimes you need an angel on your side.</p>
<p>A study by the University of New Hampshire&#8217;s Center for Venture Research showed that &#8220;angel investors&#8221; &#8211; high-net-worth individuals willing to invest in entrepreneurial companies at an early stage &#8211; shelled out more than $18 billion into early-stage companies last year alone, compared to $304 million by venture capitalists.</p>
<p>Finding an angel investor, however, is not an easy task. Safer Smokes Inc. is one company that understands the challenge of attracting the right investors.</p>
<p>This development-stage company is tapping the smoking cessation market with a unique tobacco-free, nicotine-free smoke called Bravo, which has the appearance of a traditional cigarette and burns like tobacco, but is actually made from lettuce fibers.</p>
<p>&#8220;Bravo lets you smoke your way out of the tobacco habit gradually,&#8221; said Puzant C. Torigian, chief executive officer of Safer Smokes.</p>
<p>For companies like Safer Smokes, it may be too soon to approach large venture capital firms, yet time to move beyond networking with family and friends. Angel investors to the rescue.<br />
<span id="more-1208"></span><br />
&#8220;The challenge for raising capital in today&#8217;s market is in harnessing the courage and vision of the angel to see through to the real investment opportunity,&#8221; said Torigian.</p>
<p>So how do companies like Safer Smokes attract their angel? </p>
<p>* Have a clear-cut target market for your product or service. For example, Safer Smokes is targeting the smoking cessation market, which has sales approaching $10 billion per year, up from $6 billion just three years ago.</p>
<p>Most angel investors prefer companies that are likely to show positive cash flow within their first 18 months, so having these kinds of statistics about your market can be an incentive.</p>
<p>* Match the business plan objectives to the angel&#8217;s risk tolerance. Investors want to know the product or service will be unique and well-cultivated. Safer Smokes has a patented solution that company officials say will &#8220;affect the landscape of the health care industry.&#8221;</p>
]]></content:encoded>
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		<title>Angel Investors Bring Big Ideas to Reality</title>
		<link>http://www.isscaa.org/angel-investors-bring-big-ideas-to-reality.html</link>
		<comments>http://www.isscaa.org/angel-investors-bring-big-ideas-to-reality.html#comments</comments>
		<pubDate>Sun, 21 Aug 2011 10:19:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Angel Investors Bring Big Ideas to Reality]]></category>

		<guid isPermaLink="false">http://www.isscaa.org/?p=1166</guid>
		<description><![CDATA[If you&#8217;re an emerging company with the next great product, sometimes you need an angel on your side. A study by the University of New Hampshire&#8217;s Center for Venture Research showed that &#8220;angel investors&#8221; &#8211; high-net-worth individuals willing to invest in entrepreneurial companies at an early stage &#8211; shelled out more than $18 billion into [...]]]></description>
			<content:encoded><![CDATA[<p>If you&#8217;re an emerging company with the next great product, sometimes you need an angel on your side.</p>
<p>A study by the University of New Hampshire&#8217;s Center for Venture Research showed that &#8220;angel investors&#8221; &#8211; high-net-worth individuals willing to invest in entrepreneurial companies at an early stage &#8211; shelled out more than $18 billion into early-stage companies last year alone, compared to $304 million by venture capitalists.</p>
<p>Finding an angel investor, however, is not an easy task. Safer Smokes Inc. is one company that understands the challenge of attracting the right investors.</p>
<p>This development-stage company is tapping the smoking cessation market with a unique tobacco-free, nicotine-free smoke called Bravo, which has the appearance of a traditional cigarette and burns like tobacco, but is actually made from lettuce fibers.</p>
<p>&#8220;Bravo lets you smoke your way out of the tobacco habit gradually,&#8221; said Puzant C. Torigian, chief executive officer of Safer Smokes.<br />
<span id="more-1166"></span><br />
For companies like Safer Smokes, it may be too soon to approach large venture capital firms, yet time to move beyond networking with family and friends. Angel investors to the rescue.</p>
<p>&#8220;The challenge for raising capital in today&#8217;s market is in harnessing the courage and vision of the angel to see through to the real investment opportunity,&#8221; said Torigian.</p>
<p>So how do companies like Safer Smokes attract their angel?</p>
<p>* Have a clear-cut target market for your product or service. For example, Safer Smokes is targeting the smoking cessation market, which has sales approaching $10 billion per year, up from $6 billion just three years ago.</p>
<p>Most angel investors prefer companies that are likely to show positive cash flow within their first 18 months, so having these kinds of statistics about your market can be an incentive.</p>
<p>* Match the business plan objectives to the angel&#8217;s risk tolerance. Investors want to know the product or service will be unique and well-cultivated. Safer Smokes has a patented solution that company officials say will &#8220;affect the landscape of the health care industry.&#8221;</p>
]]></content:encoded>
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		<title>An Overview Of Forex Investing Strategies</title>
		<link>http://www.isscaa.org/an-overview-of-forex-investing-strategies.html</link>
		<comments>http://www.isscaa.org/an-overview-of-forex-investing-strategies.html#comments</comments>
		<pubDate>Sat, 23 Jul 2011 07:38:45 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[forex]]></category>

		<guid isPermaLink="false">http://www.isscaa.org/?p=1117</guid>
		<description><![CDATA[FOREX trading refers to an international, 24/7, over the counter, exchange market where currencies of different nations are bought and sold. Trading is always done in pairs assuming the price of currency bought to go up and that sold to fall down. It is the largest liquid financial market making it impossible for any single [...]]]></description>
			<content:encoded><![CDATA[<p>FOREX trading refers to an international, 24/7, over the counter, exchange market where currencies of different nations are bought and sold. Trading is always done in pairs assuming the price of currency bought to go up and that sold to fall down. It is the largest liquid financial market making it impossible for any single investor to influence the prices of currencies.</p>
<p>There are two kinds of FOREX investing strategies:</p>
<p>TECHNICAL ANALYSIS<br />
FUNDAMENTAL ANALYSIS</p>
<p>TECHNICAL ANALYSIS:</p>
<p>Technical analysis is mostly undertaken by small and medium size investors.<br />
A technical analysis considers factors that are actually affecting the market rather than factors that can affect it. Thus the price quoted reflects all the factors that have influenced it. Only market generated facts and figures are taken into account and factors like fear, hope, expectations or other changes are not considered. Thus the analysis is generally based on these suppositions:</p>
<p> Price reflects all actual market movements. That means price includes everything known to the market like supply and demand of foreign exchange, political factors, trade agreements etc. It is not concerned with what resulted in change rather deals with actual changes. It works on the assumption that price can take only one of the three directions:</p>
<p>? Upward<br />
? downward<br />
? sideward</p>
<p> It rest on those market patterns that have been identified as significant. That means those factors which are repetitive in nature or will produce desired results.</p>
<p> History always repeats itself as human psychology changes very slowly with time. That is market movements are predictable.</p>
<p>VARIOUS TECHNICAL INDICATORS ARE:</p>
<p>1. RELATIVE STRENGTH INDEX:</p>
<p>It takes into account the ratio of upward and downward movements in index and expresses it in the range of zero to hundred.</p>
<p>2.CHARTS:</p>
<p>Charts include various hills, slopes, curves that develop on a chart over a time and reflect some major and minor changes in pattern. Some of the chart formations include:</p>
<p> TRIANGLE<br />
 RECTANGLE<br />
 HEAD AND SHOULDERS<br />
 DOUBLE TOP AND BOTTOM<br />
 SAUCERS<br />
 V</p>
<p>3.GAPS:<br />
<span id="more-1117"></span><br />
A gap represents area on a bar chart where no trading took place.</p>
<p> UPGAP: it is formed when the lowest price on a particular day is more than the highest price of previous day.</p>
<p> DOWNGAP: it is formed when highest price of a certain day is less than the lowest price on previous day.</p>
<p>NUMBERS:</p>
<p>Various number theories are used in technical analysis like:</p>
<p> Fibonacci theory<br />
 GANN</p>
<p>STOCHASTIC OSCILLATOR:</p>
<p>This indicates the overbought or/and undersold condition. It uses a scale of zero to hundred percent.</p>
<p>FUNDAMENTAL ANALYSIS:</p>
<p>It is the one where current economic, political, financial situation of the country of currency is studied. A countrys economical and political condition depends upon many factors like the interest rate, unemployment level, exports and imports, per capita income, percentage of population living above and below the poverty line, inflation, trade relations with other countries, tax policies etc.</p>
<p>A fundamental analyst studies and evaluates all these factors before coming to any decision. Thus it helps in long tem decision making and making profits in short term by extra ordinary developments.</p>
<p>Some of the indicators that help in fundamental analysis include:</p>
<p>1. GROSS DOMESTIC PRODUCT:</p>
<p>It reflects total market value of all the goods and services produced in a country during a given year.</p>
<p>2. RETAIL SALES:</p>
<p>This reflects total receipts by all the retail stores in a country.</p>
<p>3. CONSUMER PRICE INDEX:</p>
<p>It reflects change in prices of consumer goods.</p>
<p>4. BUSINESS CYCLE:</p>
<p>It reflects various phases through which a business passes. These phases include:</p>
<p> EXPANSION<br />
 PEAK<br />
 RECESSION<br />
 DEPRESSION</p>
<p>5. MONETRY POLICY:</p>
<p>It controls the supply of money in an economy.</p>
<p>Trading successfully needs knowledge, time and understanding of a market. You cannot earn continuously in a Forex market due to its volatile nature. Thus as a trader you should try to consider both technical and fundamental strategies of forex trading and make decision based on market expectations and trends. Try trading with money that you can afford to loose without any regrets. Trade with logic and if you are not sure quit and take rest for some time.</p>
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		<title>A Murky Crystal Ball</title>
		<link>http://www.isscaa.org/a-murky-crystal-ball.html</link>
		<comments>http://www.isscaa.org/a-murky-crystal-ball.html#comments</comments>
		<pubDate>Sun, 03 Jul 2011 16:23:20 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[penny stock]]></category>
		<category><![CDATA[penny stock investing]]></category>
		<category><![CDATA[penny stocks]]></category>
		<category><![CDATA[Stock Market]]></category>
		<category><![CDATA[stocks]]></category>

		<guid isPermaLink="false">http://www.isscaa.org/?p=1081</guid>
		<description><![CDATA[While the early results of earnings season may not be giving investors much to cheer about, it is a nice diversion to the stock market&#8217;s May-June sell-off. And like a much needed summer holiday, it may be just the break penny stock investor&#8217;s need before heading into the autumn trading season. But until then, we [...]]]></description>
			<content:encoded><![CDATA[<p>While the early results of earnings season may not be giving investors much to cheer about, it is a nice diversion to the stock market&#8217;s May-June sell-off.</p>
<p>And like a much needed summer holiday, it may be just the break penny stock investor&#8217;s need before heading into the autumn trading season.  But until then, we must weather a turbulent earnings season.</p>
<p>Now, I&#8217;m not sure if your favorite penny stock company has announced their quarterly results yet, but I have noticed that there seems to be something missing at the end of (some of) the reports.  And it&#8217;s making my ability to predict the future that much more difficult.</p>
<p>Typically, at the end of an earnings report, a company will finish off teasingly with a &#8220;forecast&#8221; or an &#8220;outlook&#8221; for the next quarter and sometimes the remainder of the year.  Something that will make us stick by their side through thick and thin.</p>
<p>Unfortunately, market volatility and ever growing geopolitical tensions are making it tougher for companies to predict what&#8217;s going on quarter-to-quarter.</p>
<p>Lebanon may not be an economic powerhouse that&#8217;s part of your water cooler banter&#8230;but last week&#8217;s Israeli bombing was enough to shake global markets.  In addition, oil prices hit a new record and the Vix index of U.S. stock-market volatility shot up 29% in a week.</p>
<p>It&#8217;s tough enough trying to accurately predict how well your company is going to do quarter-to-quarter when times are good.  Throw in rising tensions in the Middle East, a depressed market, and an all too present hurricane season, and you&#8217;ve got a murky crystal ball.</p>
<p>Why?  When consumers get strained by higher prices and pay more to borrow, investors are worried that they&#8217;ll have less to spend; lowering overall demand for good and services.  In return, some businesses need to absorb higher costs without scaring away customers.  And customers like you and me are the ones that impact a company&#8217;s earnings.<br />
<span id="more-1081"></span><br />
Still, penny stock investors ought not be too nervous about market jitters.  Penny stock companies, by their very nature, can take advantage of changing economic conditions and opportunities better than big companies.</p>
<p>And a jittery market means there are still lots of good buying opportunities out there.  There is obvious strength in oil and gas and precious metals.  But for penny stock investors, you want to find something that isnt obvious.  Or at least isn&#8217;t obvious to the rest of the investing herd.</p>
<p>Predicting the future of the stock market day-to-day is difficult enough, let alone trying to guess what you&#8217;re going to do quarter-to-quarter; unless your name is Marty McFly, you own a De Lorean, and have a flux capacitor.  In which case, we need to talk.</p>
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		<title>A Great new Investment Product Your Sanity!</title>
		<link>http://www.isscaa.org/a-great-new-investment-product-your-sanity.html</link>
		<comments>http://www.isscaa.org/a-great-new-investment-product-your-sanity.html#comments</comments>
		<pubDate>Tue, 07 Jun 2011 19:15:34 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[uk finance]]></category>

		<guid isPermaLink="false">http://www.isscaa.org/?p=1051</guid>
		<description><![CDATA[Investing is a great way to make money. Its nice to invest in something and see it grow and prosper until its worth much more than when you first bought it. Thats a basic principle of investing. But it doesnt just apply to the stock market. It applies to your life and your sanity, too! [...]]]></description>
			<content:encoded><![CDATA[<p>Investing is a great way to make money. Its nice to invest in something and see it grow and prosper until its worth much more than when you first bought it. Thats a basic principle of investing. But it doesnt just apply to the stock market. It applies to your life and your sanity, too!</p>
<p>When you look at your whole lifes enjoyment, a UK personal loan may be one choice you want to make to increase that enjoyment. And since many people are choosing to make a UK personal loan part of their financial portfolio, you might want to make one part of yours as well.</p>
<p>You can get a UK personal loan from many lending institutions that are eager to do business with you. Because they want to do business with you, they offer a variety of competitive interest rates and a huge range of available loan amounts for whatever your need. And, because they want to do business with you, theyre also able to offer a variety of repayment plans suitable to your situation. Often, the only determining factor of how much you can get is simply what your current job is and what future prospects you have. And there are many available online at the click of a link!</p>
<p>It doesnt matter what kind of credit history you have or what kind of financial situation youre in. There is probably a loan option available to suit your needs. However, you should be aware that the better your financial situation and credit rating, as well as any assets you have to help you get a secured loan, could point you toward a better interest rate than other types of loans.<br />
<span id="more-1051"></span><br />
Be that as it may, having a loan can really turn your life around. Whether you are getting a loan to consolidate your bills or leverage your investments or simply to help you enjoy life a little more than you would other wise, a UK personal loan may be the right choice for you!</p>
<p>Be sure to shop around, since some companies may be able to get you a better rate than others. And, once youve found a loan company who wants to provide you with a loan, it doesnt hurt to go back to ones who gave you a higher rate before and let them know. They may just come back to you with another offer! Now thats wise leveraging!</p>
<p>So make an investment in your life with a UK personal loan. Youll be glad you did!</p>
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		<title>A Few Tips For Day Trading the Stock Market</title>
		<link>http://www.isscaa.org/a-few-tips-for-day-trading-the-stock-market.html</link>
		<comments>http://www.isscaa.org/a-few-tips-for-day-trading-the-stock-market.html#comments</comments>
		<pubDate>Sun, 22 May 2011 18:49:27 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[day trader]]></category>
		<category><![CDATA[day trading]]></category>
		<category><![CDATA[trading]]></category>

		<guid isPermaLink="false">http://www.isscaa.org/?p=1019</guid>
		<description><![CDATA[Day trading the stock market involves the rapid buying and selling of stocks on a day-to-day basis. This technique is used to secure quick profits from the constant changes in stock values, minute to minute, second to second. It is rare that a day trader will remain in a trade over the course of a [...]]]></description>
			<content:encoded><![CDATA[<p>Day trading the stock market involves the rapid buying and selling of stocks on a day-to-day basis.  This technique is used to secure quick profits from the constant changes in stock values, minute to minute, second to second.  It is rare that a day trader will remain in a trade over the course of a night into the next day.  These trades are entered and exited in a matter of minutes.</p>
<p>The main question that most people ask when it comes to <strong>day trading</strong> is simple: is it necessary to sit at a computer watching the markets ALL day long in order to be a successful day trader?</p>
<p>The answer is no.  Its not necessary to sit at a computer all day long.  There are a number of factors to consider, but generally the rule of day trading is to trade when everyone else is trading.  In other words, trade in the morning.</p>
<p>As with all financial investments, day trading is risky  in fact, its one of the riskiest forms of trading out there.  The stock prices rise or fall according to the behaviour of the market, which is entirely unpredictable.  Day traders buy and sell shares rapidly in the hopes of gaining profits within the minutes and seconds they own those particular stocks.  Simple to do in theory, harder to do in practice.</p>
<p>If you are constrained by a small amount of capital, you may not be able to buy large amounts of a stock, but buying only a small amount can add to the risk of a loss.  And, obviously, it is impossible to predict with certainty which stocks will result in profits and which in losses.  Even the best of traders must learn to accept both outcomes.</p>
<p>Its also important to know that in day trading, it is the number of shares rather than the value of shares that should be the focus.  If you day trade, you WILL face losses, but even for the more expensive stocks, the loss should be marginal, because prices do not usually fluctuate to an extreme degree over the course of just one day.</p>
<p>The day trading industry deals in a large variety of stocks and shares.  Here are just a few:</p>
<p>Growth-Buying Shares  shares made from profit, which continue to grow in value.  Eventually, these shares will begin to decline in price, and an experienced trader can usually predict the future of this type of share.<br />
<span id="more-1019"></span><br />
Small Caps  shares of companies which are on the rise and show no signs of stopping.  Although these shares are generally cheap, they are a very risky investment for day traders.  Youd be safer to go with large caps and/or mid-caps, which are much more secure and stable thanks to a premium.</p>
<p>Unloved Stocks  company stock that has not performed well in the past.  Traders buy these shares in the hopes of generating profits if and when the stock rises in value.  As with small caps, unloved stocks can be a risky choice for day traders.</p>
<p>These examples are NOT your only options when it comes to day trading stocks.  The best way to determine which type of stock is right for you is to invest some time for careful research, a knowledge of market patterns, a solid strategy, and a disciplined trading plan.</p>
<p>The key to successful day trading is to be prepared.  Know as much as possible about the industry before you begin actually trading. You need to learn to trade ONLY when the market gives the right signals, and ONLY when the volume of activity in the market supports a successful trading opportunity.</p>
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		<title>7 Things You Need to Know Before You Start Investing&#8230;</title>
		<link>http://www.isscaa.org/7-things-you-need-to-know-before-you-start-investing.html</link>
		<comments>http://www.isscaa.org/7-things-you-need-to-know-before-you-start-investing.html#comments</comments>
		<pubDate>Thu, 28 Apr 2011 03:45:07 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[beginner investors]]></category>
		<category><![CDATA[general investing]]></category>
		<category><![CDATA[investment]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://www.isscaa.org/?p=987</guid>
		<description><![CDATA[Copyright 2006 Jason Chew 1. Know your current financial situation. Know you debts level. Calculate your income and expenses by taking into account the following: Mortgage repayments Personal tax Loans and overdrafts Living expenses Emergency funds Car expenses Entertainment Holidays School fees Credit card debts Family commitments Before you start investing your money on any [...]]]></description>
			<content:encoded><![CDATA[<p>Copyright 2006 Jason Chew</p>
<p>1. Know your current financial situation. Know you debts level. Calculate your income and expenses by taking into account the following:</p>
<p>Mortgage repayments<br />
Personal tax<br />
Loans and overdrafts<br />
Living expenses<br />
Emergency funds<br />
Car expenses<br />
Entertainment<br />
Holidays<br />
School fees<br />
Credit card debts<br />
Family commitments</p>
<p>Before you start investing your money on any investment products, you should know how much you could spare each month for investment. General rule is that, you should clear your debts first, then save and invest later. That is to say the more money you put aside now, the better it will be for your future. I would say put aside 10% of your income for rainny days. 10% is a small amount that you won&#8217;t feel a pinch. Save it until you have managed to build a &#8220;dam management funds&#8221;.</p>
<p>2. Prepare funds for dam management. This goes in line with point 1. You need to keep at least 3 to 6 months ofyou income as dam management. After you have managed to do that then additional money that you saved can be used to invest.</p>
<p>3. Protect yourself and your family first. By this point, I mean you should have the basic life insurance that insure you and your family against terminal diseases and accident. This is very important as even though you might loose all your money through investment and if you or your family members need medical attention, it will be well taken care of.<br />
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4. Know your risk level. If you are not able to take big risks, short term investment and swing trading is notfor you. It&#8217;s better to invest in mutual or trusts funds which will give a steady payout and have lower risk.If you are a high risk or medium risk taker, you can try invest in stocks, growth and hedge funds.</p>
<p>5. Diversify your investment. Expert would tell you it is a must to diversify your investment. Your investments needto have a steady mix of stocks, mutual funds and/or bonds. Beside that, your should invest in different industryand/or different regions. This will help you minimize your risk as fluctuations in the markets will not have a big impact on your investments. Your ideal mix will be 20-40% stock and the rest mutual funds and bonds.</p>
<p>6. Do your homework before you invest. It is good to seek expert advice. But, the money is ultimately yours. So you need to do some research and make a sound decision on what to invest even though your financial advisors might have already worked it out all for you. This is to make sure you know what you are investing and able to keep track of them. If your investments suffer loses you will be able to make a right decision whether to sell or hold if you know your stuff well.</p>
<p>7. Do stock take yearly if not frequently. Your investment might already be reaping in profits. But, it is good to know how well you fare at the end of the day. Reinvest the profits and celebrate if you have success. This will serve as motivations for you and will make you more determined to acheive your financial goals.</p>
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		<title>7 Common Mistakes of Estate Planning</title>
		<link>http://www.isscaa.org/7-common-mistakes-of-estate-planning.html</link>
		<comments>http://www.isscaa.org/7-common-mistakes-of-estate-planning.html#comments</comments>
		<pubDate>Thu, 07 Apr 2011 19:43:20 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[financial advisor]]></category>
		<category><![CDATA[financial planner]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.isscaa.org/?p=952</guid>
		<description><![CDATA[Even though planning your estate isnt an enjoyable job its necessary so that you can efficiently and successfully transfer all of your assets to those you leave behind. With a bit of careful planning, your heirs can avoid having to pay estate taxes and federal taxes on your assets. As well, a well planned estate [...]]]></description>
			<content:encoded><![CDATA[<p>Even though planning your estate isnt an enjoyable job its necessary so that you can efficiently and successfully transfer all of your assets to those you leave behind.  With a bit of careful planning, your heirs can avoid having to pay estate taxes and federal taxes on your assets.  As well, a well planned estate avoids confusion for your loved ones.</p>
<p>Still, with all the advantages of estate planning, many people make a great many mistakes in the process.  The most common mistake when it comes to estate planning is not getting around to doing it at all.  Make sure that you take the time to plan at least the financial portion of your estate so that you leave your loved ones behind with some amount of security. The following seven mistakes often put families into great difficulty after a loved ones passing.</p>
<p>1. Dont fall into the trap of thinking that estate planning is just for the rich.  This is completely false as planning your estate is essential for anyone who has any amount of assets to leave behind.  Many people dont realize that their estate is as large as it really is, especially when they fail to take into account the assets from their home.</p>
<p>2. Remember to update your will and to review it at least once every two years.  Factors that can change information about your beneficiaries include deaths, divorce, birth, and adoption.  As your family structure changes so does the change in your assets and who you want to leave them to.</p>
<p>3. Dont assume that taxes paid on your assets are set in stone.  Talk to your financial planner about ways that your beneficiaries can avoid paying taxes on your assets.  There are several strategies for tax planning so that you can minimize taxes or avoid them altogether.<br />
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4. All of your financial papers should be in order so that its easy for someone to find them.  Make sure that one of your loved ones has information on where to find the papers necessary for planning after your death.</p>
<p>5. Dont leave everything to your partner.  When you leave all of your assets to your spouse you are in reality sacrificing their portion of the benefit.  Youll get an estate tax credit but will forfeit part of this if your spouse is your only beneficiary.</p>
<p>6. Ensure that your children are well planned for.  Many people take a lot of time deciding what to do with their assets and forget that they need to appoint guardianship for their children.  There are many details to take into consideration when it comes to guardianship.</p>
<p>7. If you dont have a financial advisor, get one. Financial Planners and Advisors are trained intimately in these matters and can provide asset protection well above whatever fees they may charge. If you need help selecting the right financial advisor, get the Financial Advisor Report.</p>
<p>The above mistakes are common when people are planning their estate.  Take the time to plan for your death even though you think that you have years before it becomes an issue.  The key to successful estate planning is being prepared.</p>
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		<title>6 Ways In Which You Can Easily Increase Your Profits</title>
		<link>http://www.isscaa.org/6-ways-in-which-you-can-easily-increase-your-profits.html</link>
		<comments>http://www.isscaa.org/6-ways-in-which-you-can-easily-increase-your-profits.html#comments</comments>
		<pubDate>Thu, 17 Mar 2011 19:58:04 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[adsense]]></category>
		<category><![CDATA[affiliates]]></category>
		<category><![CDATA[articles]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[business advice]]></category>
		<category><![CDATA[business ideas]]></category>
		<category><![CDATA[business plan]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[internetmarketing]]></category>
		<category><![CDATA[marketing]]></category>
		<category><![CDATA[opt-in]]></category>
		<category><![CDATA[promote]]></category>
		<category><![CDATA[promotion]]></category>
		<category><![CDATA[software]]></category>
		<category><![CDATA[strategic internet marketing]]></category>
		<category><![CDATA[traffic]]></category>
		<category><![CDATA[websites]]></category>

		<guid isPermaLink="false">http://www.isscaa.org/?p=922</guid>
		<description><![CDATA[Imagine what you could learn from over 500 articles based around internet marketing, business and finance, home business, legal matter, blogging, copywriting, email marketing, PPC, RSS, search engines, website promotion and more and what could this do for your business? 1. How to Turn an Idea into $100,000 Do you ever wonder why some people [...]]]></description>
			<content:encoded><![CDATA[<p>Imagine what you could learn from over 500 articles based around internet marketing, business and finance, home business, legal matter, blogging, copywriting, email marketing, PPC, RSS, search engines, website promotion and more and what could this do for your business?</p>
<p>1. How to Turn an Idea into $100,000</p>
<p>Do you ever wonder why some people seem to get all the lucky breaks in business while others struggle to barely get by? They seem to be in the right place at the right time.</p>
<p>Fact is, maybe theyre not at the right place at the right time; maybe they just know how to make things happen.</p>
<p>As a business advisor I often see people begin and end a business before they have given it a chance to grow. For some reason, they seem to think that all they have to do is have a product or service to sell and the rest magically takes care of itself.</p>
<p>Nothing could be further from the truth. For any business to succeed there are steps that must be taken.</p>
<p>2. The Steps from Product Idea to Product Success</p>
<p>Michelangelo once said that his statue of David was embedded in the block of marble and he merely chipped away the edges to reveal it. Is your product idea inside your mind just waiting to come alive? Or, is your product already formed and you need only to smooth out the edges?</p>
<p>Using my Market-Step process your idea will come to life as we progress in the following steps from idea to launch:<br />
1. Self-Evaluation<br />
2. Concept Evaluation<br />
3. Prototype Evaluation<br />
4. Product and Market Planning<br />
5. Product Development and Marketing Tactics<br />
6. Product Launch, Marketing and Selling<br />
Please use this roadmap as a navigational tool to guide and monitor your progress.</p>
<p>3. Is This the PR You Thought You Were Getting?</p>
<p>You know, where you do something positive about the behaviors of those outside audiences that MOST affect your organization? And where you do so by persuading those important external folks to your way of thinking, then move them to take actions that help your department, division or subsidiary succeed?<br />
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Yes, thats right, its where you use the fundamental premise of public relations to produce external stakeholder behavior change  the kind that leads directly to achieving your managerial objectives.</p>
<p>What it boils down to is<br />
(1) your public relations effort must involve more than special events, brochures and news releases if you really want to get your moneys worth, and<br />
(2), the right PR really CAN alter individual perception and lead to changed behaviors that help you succeed!</p>
<p>4. How to Easily Increase Your Profits</p>
<p>Do you remember the last time you went into a shop and the person serving raced over to you, greeted you with a lovely smile, heaps of enthusiasm and said, Welcome to our store, what can I help you with today? And then listened attentively to what you had to say?</p>
<p>Doesnt happen very often does it? In fact, while I was writing this, I couldnt recall when I had experienced it. Im sure I must have yet it would have been so long ago, I cant remember.</p>
<p>Let me tell you what happened this week<br />
I belong to a well-known trade exchange which I have found very useful for my business. I wanted to purchase a suitcase from a particular store which usually takes trade dollars.</p>
<p>From time-time the store will limit the use of trade dollars if they have reached their maximum for the month. Anyhow I quickly discovered this wasnt going to be my lucky day.</p>
<p>5. A Simple Formula for Success</p>
<p>Leaders in the business world need public relations big time, and they show it every day.</p>
<p>How? By staying in touch with their most important external audiences and by carefully monitoring their perceptions about the company, audience member feelings about hot topics at issue, and the behaviors that inevitably follow.</p>
<p>Could there be an angle here for your business?</p>
<p>What I mean is, once you interact with, then learn what that key target audience of yours believes about you and your organization, a corrective public relations goal  a specific behavior change &#8212; can be established.</p>
<p>Which then requires that you identify a strategy. There are just three choices here, create opinion where none exists, change existing opinion, or reinforce it.</p>
<p>6. Attracting Clients With Ease</p>
<p>Whether you are already running your own business, or still thinking about starting your own business, I suspect that deep down you know you have gifts and talents that can really make a difference to others.</p>
<p>In an ideal world, you&#8217;d spend the majority of time doing the work you love to do, with a steady stream of clients knocking at your door as and when you want them. The reality, however, can be somewhat different, and the whole process of finding new business can be a time consuming challenge full of uncertainty.</p>
<p>Some would be entrepreneurs are so intimidated by the idea of finding clients that they never put their dreams into action. Others start promising businesses, yet give up disillusioned by the frustrating lack of clients. Some die-hards persist, but at great emotional and financial cost as the uncertainty about attracting and maintaining clients takes its toll.</p>
<p>Just imagine! You can use these articles to build, promote, advertise, write articles, newsletters, build autoresponder messages and much, much more for your business. These articles are loaded with good keywords for search engine rankings and they are yours for the taking as long as you leave the resource boxes in tact. If you want to read the rest of the articles above and to read more about internet marketing, than this is the place to do it!</p>
<p>Steve Pike, is a internet infopreneur and author who is interested in the internet marketing world. At the age of 49, he has become interested in writing, selling online, and managing online businesses:</p>
<p>This is a &#8220;Shareware&#8221; Article<br />
(what&#8217;s that?  read on&#8230;)</p>
<p>This article is shareware.  Give this article away for free on your site, or include it as part of any paid package as long as the entire article is left intact including this notice.  Copyright  2006 Steve Pike.</p>
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