Mini Account uses a different leverage calculation than a regular (100k) account. Instead of trading full-size currency lots (100,000 units), you’ll trade in lots that are just 1/10 the size (10,000 currency units), which in turn greatly reduces the amount of money you risk in each trade you enter.

The characteristics of a Forex Mini Account are as follow:

• Minimum required account deposit = $300
• Recommended required account deposit = $2,000
• Traded in 10,000-unit currency lots. There is no maximum trading volume on the Mini trading platform.
• Pips in a Mini Account are worth, on average, $1. Pip is the smallest increment that a currency pair can move. For most currency pairs, a pip is a change in the fourth decimal place of the currency quote. For example, if EUR/USD is quoted at 1.6567 and it moves to 1.6568, it has increased by 1 pip. The value of 1 pip is calculated by the size of the lot that is traded. So, if you buy a standard lot of 100,000 EUR/USD at 1.6567 and it goes to 1.6568, a 1-pip move, then the value of your trade has increased by $10 (or 100,000 x 0.0001). Because Mini Account have smaller contract, the pip value is also smaller that is $1.
• The Mini Forex account offers up to a huge 200:1 leverage, this means that just a $50 margin deposit will allow you to trade lots worth roughly $10,000.
• Default Margin: set at 0.5% ($50 per mini-lot)

There is no downside to trading a Forex mini account, you will be enjoying all the benefits that full-size FX account holders enjoy. This mini accounts are ideal for a beginner forex trader to gain experience.

Beware, trading foreign exchange on margin carries a high level of risk, and may not be suitable for all investors. The high degree of leverage can work against you as well as for you. Before deciding to trade foreign exchange you should carefully consider your investment objectives, level of experience, and risk appetite.

Renting a House

By renting a house can can have the opportunity to live in a house for a much more affordable price. By renting a house you can have many options, like the size, number of bedrooms and number of bathrooms. You can also have a backyard which is desirable if you have children or pets.

But renting a house have a great deal of uncertainty regarding the amount of time the renter will be allowed to rent the house. There are no guarantees the homeowner will extend the contract when it is due to expire.

Renting an Apartment

One of the most significant advantages of renting an apartment is the amenities, such as pools, exercise rooms, and saunas. Renting an apartment is usually significantly lower than rent for a house.

A lack of privacy may be one of the most significant disadvantages to renting an apartment. You can also deal with noisy neighbors who listen to loud music or have friends visiting late at night.

When choosing an apartment, list the items that you really needs. Some people are simply looking for a place to eat, bathe and sleep other renters may be looking for a living space which will serve a number of purposes including working, entertaining and participating in leisure activities. This will help which apartment you can rent. Apartment which better facilities usually have higher rent price.

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Madonna and Ritchie, director of “Snatch” and “Lock, Stock and Two Smoking Barrels,” married in December 2000 at Skibo Castle, in the Scottish Highlands. The couple have two children: Rocco, 8, and David Banda, 3, who was adopted from Malawi in 2006. Madonna also has a 12-year-old daughter, Lourdes, from her relationship with personal trainer Carlos Leon.

The book is the story of a person who has two fathers: the first was his biological father (the poor dad) and the other was the father of his childhood best friend, Mike (the rich dad). Both fathers taught the author how to achieve success but with very different approaches.

The educated poor dad but lacks financial literacy, because he does not acquire any valuable lessons about money, simply because it is never taught in school. Poor dad encourage their sons to do well in school so they could get a good job with a good company. Poor dad believed in working hard, and saving money. His poor dad worked hard but somehow never made it ahead financially.

While his little educated rich dad, deliberately takes advantage of the power of corporations and their personal knowledge of tax and accounting. Rich dad give him great lesson by paying him very low wages deliberately so that would stir anger and a sense of injustice and eventually for him to realize that in order to get ahead, one must work for himself and not for others.

Here are the major lessons from the book:

• The important thing to get rich is by having a strong purpose for living, a determination to be a successfull person. You need to have the rich mentality. Instead of dwelling with the fact that you are not rich, ask your self “how can I make more money” because this will stimulates the brain to take action.
• In order to get rich, one must work for himself and not for others.
• Understands what assets and liabilities are. The rich build up the asset column and the poor build up the liability column (expenses). Make sure you have assets that gives you income, like real assets, stocks, bonds, mutual funds, income-producing real estate, notes, royalties from intellectual property, etc.
• Opportunities in life come and go; the rich recognize them instantly and turn them into gold bullions. Others do not see these opportunities.
• Corporations spend first, then pay taxes on anything that’s left, while individuals must pay taxes first. Individuals may not be aware that they work from January to mid-May to enrich the government by paying taxes on their income. In the meantime, the rich are hardly taxed.
• People should hire other people who are more intelligent than they because by capitalizing on the knowledge of others, an intelligent individual builds his own knowledge base and therefore has more power over those who don’t know.
• Direct marketing, and management skills (manage cash flow, systems) are important.
• Make friends with successful people and people who enjoy talking about money because they may have valuable lessons to share.

  Learn more from this amazing book:

  ]]> http://ourhappymoney.com/lessons-from-robert-kiyosakis-rich-dad-poor-dad/uncategorized/feed/ http://ourhappymoney.com/double-top-and-double-bottom/stock-chart/ http://ourhappymoney.com/double-top-and-double-bottom/stock-chart/#comments Thu, 01 Jan 2009 13:14:52 +0000 admin http://ourhappymoney.com/?p=288 Double Top and Double Bottom is used to predict a shift from a previous trend to a new trend. In Double Top, it is used to predict a shift from a previous uptrend to a downtrend. And in Double Bottom, it is used to predict a shift from a previous downtrend to a uptrend. These patterns is considered one of the most popular reversal patterns in technical analysis.

  A Double Bottom is formed by two relatively equal lows with a small peak in the middle. And a Double Top is formed by two relatively equal ups with a small bottom in the middle. Double Top have two peak, which is the resistance level. Because the price tested the resistance level and failed, it then reverse. The same thing happen with Double Bottom which have two lows, the support level. The price tested the support level and failed, it then reverse, bringing the prive higher.

  Triple Top and Triple Bottom

  The Triple Top and Triple Bottom is similar to the Double Top and Double Bottom. From it’s name you can know that it have three instead of two Top or Bottom. Triple Top and Triple Bottom shows a shift from LONGER trend to a new trend.
  

  ]]> http://ourhappymoney.com/double-top-and-double-bottom/stock-chart/feed/ http://ourhappymoney.com/work-at-home-scams/work-at-home/ http://ourhappymoney.com/work-at-home-scams/work-at-home/#comments Thu, 01 Jan 2009 07:57:12 +0000 admin http://ourhappymoney.com/?p=302
  
  If you need to make money at home, you’ve no doubt starting looking for work at home opportunities. Every woman who wants to become a Work at Home (Wahm) has traveled down the same path. Unfortunately, that path is littered with scams and traps to take money and time from honest women looking to make money from home. With a little common sense and extra research, you can find legitimate work at home opportunities.

  Research your job

  The first step is to search for jobs in the right places. Don’t simply click on ads to find work. Try to find helpful groups of Wahms who have successful work at home jobs to guide your search. You can try searching on message boards or finding e-mail groups for ideas of where to start your work at home job search. Many of these women can give you insight into which work at home opportunities are actually worth your time.

  There is no easy way to get rich

  Keep in mind that there are no real ways to get rich quick on the Internet or by working at home. The only people who get rich are those who are scamming others. Never believe an ad or an “employer” who claims that you will get rich instantly.

  Save your money

  There are also a few red flags to look for when you are searching for Internet jobs. You should never have to pay for work or job lists. There are plenty of free listings available that can provide tons of work at home opportunities. Companies that want to charge you for lists of jobs are just trying to get your money. The lists are often filled with dead job leads, or lists of companies that want to charge you money. Many work at home scams will also require you to pay a start-up fee or cover the cost of “necessary” training. Again, legitimate jobs will never require you to pay them any money for you to work.

  Urgency scam

  Another warning sign is if the ad or website tells you to “act now.” You should always do research before joining a company and never feel pressured to make a decision right away. Many websites are set up with text that says that the offer will expire on today’s date. But if you revisit that website the next day, the ad says that the offer expires on that day.

  ]]> http://ourhappymoney.com/work-at-home-scams/work-at-home/feed/ http://ourhappymoney.com/ten-work-at-home-jobs/family-budget/ http://ourhappymoney.com/ten-work-at-home-jobs/family-budget/#comments Thu, 01 Jan 2009 06:03:52 +0000 admin http://ourhappymoney.com/?p=296
  If you need to make money at home, you’ve no doubt starting looking for work at home opportunities. Here you can find jobs that you can do from home:
  • Writing
    Working at home as a writer is one of the largest work at home categories. Being a freelance writer has traditionally been a work at home job. Writing from home as a Wahm requires that you have a reliable Internet connection, good written communication skills and the ability to be a self-starter. You must also have the ability to research a wide variety of topics. Freelance writing from home can break down into three specific areas: writing for print, writing for the web and blogging. Writing for the web, means you can be a ghostwriter for e-books or other Internet media. You can also make money as a wahm by starting your own blog and posting to it daily. You will get paid from advertisement on your blog, like from AdSense.
  • Baby sitting
    If you have experience working with kids, or are just an children lover, then starting a work at home baby sitting business may be right for you. As a baby sitter, you’ll offer a valuable service to busy parents who are on vacation or who need someone to take care of their babies during the day. The best way to get clients and assignments is by word of mouth. Offer to baby sit for neighbors and friends to help build your reputation.
  • Online store
    Opening your own store as a Wahm is easy when you take your business online. If you have something that you are passionate about selling, consider opening an online store. Before you start, do some research online and check out your potential competition. Then you need to think what you are going to sell. You will need a hosting, domain, online store application like OsCommerce. You should also join PayPal to accept payment.
  • Get paid to
    “Get paid to” programs (or GPTs as they are often called) are one of the many ways that Wahms can make money from home. You can make money by reading e-mails, answering surveys and trying free samples. The good news is many Wahms make money doing those exact things. The bad news is that this particular industry is rife with scammers. If you are interested in getting involved with GPT programs, you’ll have to do your homework and take special precautions to protect yourself and your computer.
  • Virtual call center
    Many Wahms find work at home opportunities with virtual call centers. These call centers marry two important needs: the needs for women to work out of the home and the need for companies to have polite and professional telephone customer service representatives. Virtual call centers help both the business and the work at home mom. Wahms are hired as customer service agents to inbound callers. You’ll need a computer with a high-speed Internet connection and reliable landline phone. You’ll also need a quiet place to work. Applying for a call center position normally follows the same method. You visit the company’s website and fill out their online application.
  • Gift basket
    If you are creative and like to make gifts for others, then a work at home gift basket business might be right for you. Making gift baskets to sell is rewarding and fun. Many people like the idea of giving personalized baskets for holidays, birthdays and special events but don’t have the time to put them together. When you start a gift basket business, you’ll be supplying them with something they need and getting the opportunity to put your talents to work. You need to develop your catalog of basket options and prices.
  • Sewing
    Are you handy with a needle and thread? Do you enjoy sewing clothes for yourself or your children? If so, then you have the perfect beginnings for a work at home sewing business. Sewing is a skill that is coming back into fashion as more people seek to reduce their clothing costs and make the clothes that they have last longer. Many Wahms find profitable businesses in offering their sewing skills to people who don’t have the time or the skill to make repairs or alterations on their clothes. There are even several profitable sewing niches, like cloth diapers and slings, which have found interest online.
  • Mystery shopping
    If you’re looking for an unconventional Wahm job, then mystery shopping might be for you. You get assignments to visit a business place, make a purchase and then fill out a form to evaluate the customer service, quality of your purchase and other things about your experience. Companies hire mystery shopping for a wide variety of reasons. Some want to investigate the quality of their employees. Others may want to find out how their locations do with stocking items. To get started with mystery shopping, you’ll need to find a mystery shopping company to work for. You should never, ever have to pay for mystery shopping.
  • Direct sales
    When you work in direct sales you are an independent contractor for a company. You are in charge of selling their products or services, which you then get at a discount. Your income comes from the difference between the price you charge your customers and the price you pay for the items. You can also normally earn money from commissions off of the sales of your recruits. To be successful in direct sales, you’ll need to have great people skills. The products are really second to your personality.
  • Telecommuting
    Telecommuting is quickly becoming a viable option for office professionals and businesses alike. Telecommuting originated from the need for businesses to reduce expenses, and the need for workers to spend more time at home. Telecommuting normally entails going into the office for a few days a week, and then working from home for the remainder of the time. All you’ll need is reliable telecommunications gear like a PC, high speed Internet, fax and phone line. If you currently work a position that you believe can be done from a home office, then its best to prepare a case to show your supervisors. Gather statistics on how much businesses save every year by allowing their employees to telecommute. Find articles that tout the benefits of telecommuting, from the business point of view. You’ll also want to provide your supervisor with the specific duties that you expect to complete from home. Show them how the arrangement will work and make the decision very easy for them.
  ]]> http://ourhappymoney.com/ten-work-at-home-jobs/family-budget/feed/ http://ourhappymoney.com/head-and-shoulders-chart/stock-chart/ http://ourhappymoney.com/head-and-shoulders-chart/stock-chart/#comments Wed, 31 Dec 2008 13:14:45 +0000 admin http://ourhappymoney.com/?p=286
  
  The Head and Shoulders price will have the following characteristics:
  1. Rises to a peak (first shoulder) and decline
  2. Rises above the former peak and declines again (head)
  3. And finally, rises again to a peak but not to the head instead to a second shoulder, and declines once more

  A transaction signal is generated when the price drifts below a trendline and is called the neckline. The neckline is simply a support that has prevented the price from moving lower. The Head and Shoulders was first identify as a bullish pattern, but as demand weaken the price will move below the neckline. The declines give traders a great opportunity to realize gains over a brief period of time by short selling.
  

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