Take Control of Your Investment: Trade Forex

Deciding on where to invest your money can be very tricky. There are a whole host of options available, some with more risk than others, and some offering much higher rates of return than others. Once you’ve given up your money to an investment product, there’s little more you can do to affect the outcome. This might be what some people want – to sit back and see what happens without having to think about it. For other people, a more hands-on approach might be better. You can in fact have total control over how you invest your money if you invest on the forex market.

Bull Market Wall Street

Photo by Carlossg

The forex market centres around speculation on whether currency prices will rise or fall. Successful traders correctly predict the direction of a currency’s value, and profit from this from either directly trading the currency, or wagering money on the fluctuation. Signals which influence the decision to enter the market come from three main areas; news, fundamental analysis and technical analysis. The news is self-explanatory, fundamental analysis is general information about currency trends, and technical analysis is more complex indicators gleaned from charts and data.

There is a great deal of control when you trade forex because you can deposit as much or as little as you like at any given time, and you can trade as frequently as you want. If you see a particular opportunity then you can go for it; it’s your decision. With other investments, you can split up your capital among several options, but you don’t get anywhere near the same flexibility. Forex is accessible through an online platform provided by a broker.

Forex is one of the few investment opportunities which are not overly limited by the amount of capital you have at your disposal. You can trade with very little – many use forex as a source of additional income. In addition, anything you do put in can be amplified using leverage. This means you can maximise any profit you make, though you must remember it can also increase losses.

The potential returns are also very high. People can make many thousands a year without having huge portfolios. There are of course inherent risks when you trade on the financial markets, but they can be mitigated with intelligent trading, and tools such as the stop-loss. Most investment products offer only a few per cent a year ROI, but FX returns can be as high as around 20%. Many people make their entire living from trading forex, which goes to show just how lucrative it can be.

If you’re considering your investment options, then forex trading is certainly something to investigate. It’s very different from other opportunities, and it won’t be for everyone, but it does offer some significant advantages. If you want to benefit from having complete control over how your money is used, when it’s used, and at the best rates of return, then visit Alpari.co.uk to find out more on forex trading or to set up an account.


The Basics of Investing

Before becoming serious about investing, it is important to handle some other financial basics first, such as establishing an emergency fund and paying off high-interest debt. If you have already done that and are now looking to learn about investing, you may be confused by some of what you’re reading. Here are a few basic pieces of information that should help you navigate all of your research:

What is Investing? Investing is defined as, “Expending money with the expectation of achieving a profit or material result by putting it into financial schemes, shares or property, or by using it to develop a commercial venture,” but, in short, it simply means that you are putting your money somewhere in the hopes of earning more money by doing so!

Who should invest? As mentioned, if you have taken care of the basics with regard to your financial matters, you may want to look into investing because it will give you a chance to grow your money at a rate that outpaces inflation, especially if you are looking at a long period of time.

What are some types of investments? Some common investments include, though are not limited to, savings accounts, bonds , stocks and real estate. In the case of a savings account or a bond, you are lending your money to a bank, company or government, and they are paying you interest for the privilege of borrowing it. In the case of stocks or real estate, you are buying something (either a piece of a company or a house or building) and hoping that that purchase rises in value over the course of time that you own it.

Can I lose money when investing? Yes, as many investors learned in 2008, you can certainly lose money. There are a variety of investment products and some carry more risk than others. For example, a savings account is typically a very low-risk investment. You will not make a great deal of money with it, but you will not risk losing your money. The price of a stock changes daily, and you could lose quite a bit of money in a short time if something happens to the company whose stock you own. However, by the same token, you may make a good deal of money if the company does very well.

You may decide to do research on your own or consult a financial adviser, but because you are usually putting your money at some sort of risk level, you should always make sure you are comfortable with whatever investment plan you put in place.

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An Introduction to Critical Illness Cover

Whilst scientists have made great steps in recent decades improving length and quality of life, as people are living longer so they are more prone to develop what is know as a ‘critical illness.’ Such illnesses can incur significant secondary treatment costs, require improvements or amendments to housing, and include costs for care.

They also can result in the main earner from a house suddenly finding themselves unable to work. Legal and general critical illness cover, and similar policies, are designed to protect against all of these eventualities, allowing the policy holder to concentrate on the most important thing: recovering their health, without having to worry about the financial implications of their condition.

How Does It Work

Critical illness cover works like any other form of insurance, at least initially. You pay a set amount depending on your underlying health and habits when the policy is taken out. In return you receive a lump sum, or regular payouts in the event of you developing a critical illness. With most policies these payments will continue for the rest of your life, although some will have set time spans, so if you’re considering getting such a policy, make sure you check.

What Is Covered

The UK market is extremely well-regulated when it comes to critical illness cover, and the Association for British Insurers has a list of illnesses and a code of best practice when it comes to the selling and provision of critical illness cover. The list of covered illnesses is constantly being reconsidered depending on medical advances in the treatment of certain diseases. Additionally, each provider will cover for a different number of these illnesses, with some policies paying out a different amount of the value of the policy for the severity of the condition.

The original four illnesses that were covered by CIC were heart attack, heart bypass, cancer and stroke, and these remain the most common illnesses.

How Is Diagnosis Agreed

This varies slightly from provider to provider, but in general most companies will require the agreement of at least two independent medical experts. In some cases companies will have a list of doctors that they know and trust, so you may need to get an assessment from one such expert.

How Are Premiums Calculated

Exactly like life insurance premiums. At the time of taking out the policy you will have a full and comprehensive assessment of your lifestyle, people who are active, don’t drink much and don’t smoke will have to pay less for their premiums than someone with a sedentary lifestyle who smokes a lot.

Is It Worth It?

Ultimately, that decision is up to you, however, if you’re still in full-time work and/or have a dependent family, then it’s very important, perhaps more so than life insurance. Obviously, individual circumstances vary, but it’s certainly worth considering carefully.


Some Signs that You Need to Convert to Heat Pumps

If you live in the UK, chances are, you’ve heard plenty of things about air source heat pumps and ground source heat pumps, already. Home heating is very important in colder countries like the UK, and your choice of energy source is definitely not a laughing matter. Below are some signs that it’s time for you to convert to heat pumps.

Energy prices

Currently, the most popular energy sources in England are electricity and gas. Both of these energy sources are getting more and more expensive each year. This is because of the dwindling resources for both. It will do you a lot of good to convert to air source heat pumps and ground source heat pumps now while these sources are still abundant, and the installation of the new systems are in their introductory phase.

Compared to other renewable energy systems, air source heat pumps and ground source heat pumps are cheaper to install and maintain. You will probably be able to break even in about five years. This is a comparably short time for the investment.


People usually look for cheaper heat sources, but the thing is, they end up spending more money with quick fixes. Air source heat pumps and ground source heat pumps can last for up to 25 years. Most of the suppliers even go as far as to provide warranty service for up to 10 years. Just make sure that you’re getting the right kind of heat pump for your home because not all heat pumps are compatible to all types of home.

Low temperatures

Both air source heat pumps from a company like Thermays and ground source heat pumps could work with low temperatures. As long as your home is well-ventilated, this should be a low consumption and efficient system you can use to heat your whole home, and to help you get hot water for bathing. A lot of people turn down the heat because they’re afraid of the gas bills. With these renewable energy sources, you won’t have to worry about getting cold again.

A few notes

Not all heat pumps are maid equally. Some are better than others so make sure that you do your research before getting any supplier. It would cost you less if you got a credible supplier from your own town. Getting a local supplier will also allow you to inspect their previous work before you employ them. You can ask your neighbors for referrals.

You should also be very scrutinizing of the kind of service a supplier can give you. They should be there for you from inspection to repairs. They shouldn’t leave you to install the heat pump on your own. The inspection for the site is usually free, or at least the best ones in the business offer it for free.

You also do not need to be taken by surprise when you opt to convert your home’s energy source to these greener options. Your supplier is expected to give you a detailed breakdown of how much the conversion will cost. They should also present you with payment options.