CITI: GOLD WILL SWING BETWEEN $1,150 - $1,190 IN SECOND HALF OF 2015

Analysts at Citi Research expect a stronger U.S. dollar to push gold into a lower trading range in the second half of the year.

Referring to the fact that that U.S. economy is gaining momentum, the bank has revised its expectations for the timing of a hike in Federal Reserve monetary policy from December to September. The lender suggests that recent headlines about the possibility of two rate hikes in 2015 are not completely unwarranted.

“With the U.S. economic outlook turning more positive and the Fed very likely to hike this year, we expect U.S. dollar strength to re-emerge heading into 4Q, pointing to a downside bias for gold prices to trade in a $1,150-1,190/t oz. range in 2H’15,” Citi says.

Citi Research also said that Gold ETF holdings were lower in the second quarter despite steady metal prices.

For the quarter to date, gold ETF investment has fallen by 28 metric tons, though the bank suggests that since mid-June, this has rose slightly by around 4 tons.

“Historically, ETF holdings tend to move in tandem with gold prices, making 2Q net outflows somewhat unusual given that gold has traded very range-bound since March,” Citi says.

“Indeed, gold prices averaged $1,193/t oz. QTD (quarter to date) – only slightly below Citi’s Q2’15 price forecast of $1,200/t oz – and rarely traded outside the $1,170-1,220/t oz band.”

Credit: mql5.com

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CYCLE ANALYTICS FOR TRADERS BY JOHN EHLERS

Cycles are a unique kind of trading analytics, being one of the few types of market data that can be accurately measured. But understanding what the cycles mean and which trades to make based on them is an extremely complex process. Cycle Analytics for Traders is a technical resource for self-directed traders that explains the scientific underpinnings of the filters and indicators used to make effective and profitable trading decisions. Rather than simply using cycle analytics on blind faith, this book explores and explains the how and why of cycles.

Though technical in nature, Cycle Analytics for Traders emphasizes simplicity rather than mathematical purity, taking a pragmatic real-world approach to attaining effective trading results. It allows traders to think of indicators and trading strategies in the frequency domain as well as their motions in the time domain, letting them select the most efficient filter lengths for the job at hand. Traders with little mathematical background will learn how to assess general market conditions to their advantage while technically astute traders will be able to create indicators and strategies that automatically adapt to measured market conditions using the computer code described here.

Additionally, author John Ehlers explains several vital concepts all traders should understand: how to eliminate or use Spectral Dilation to their advantage; how to use Automatic Gain Control to normalize indicator amplitude swings; the fact that all indicators are statistical rather than absolute; how to use advanced cookbook filters; several different methods for estimating market spectra and sifting out the Dominant Cycle; and how to use transforms to improve the display and interpretation of indicators.
Cycle Analytics for Traders shows traders how to approach trading as a statistical process that should be judged from the long-term view, rather than a small sample set of just a few trades - no matter how profitable those few are. With this practical and informative book as a guide, any trader can master cycle analytics, letting statistics and science light the way to long-term trading success.

Credit: mql5.com

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BITCOIN PLATFORM BITINKA TO BE THE FIRST BITCOIN PLATFORM IN SOUTH AMERICA

BitInka, a Bitcoin platform that operates in Peru, Venezuela, Bolivia and Brazil will soon expand its services throughout Argentina, Colombia and Chile.

This company allows its users to convert or withdraw Bitcoin for many local currencies of South America, including the Peruvian Nueva Sol and the Argentinean peso. Nonetheless, through its international and instant Bitcoin exchange platform, the Bitcoin startup aims to penetrate mainstream Bitcoin adoption as well.

Pierna Caballero, the co-administrator of BitInka admits that in some countries where the company operates, people are educating themselves recently to use Bitcoin and they are realizing that is something very easy and also is a currency that people themselves control.

Credit: mql5.com

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5 Countries Celebrate Ramadan With Bombs

Five countries in the region now have to face the month of Ramadan in 1436 Hijri in the height of summer, in addition to the threat of bombing, starvation and drought that hit by war

Libya

Since the fall of the regime of Muammar Gaddafi in 2011, but political turmoil and armed conflict that swept the country is rich in gas is due to the division of the country by the two governments. The first is that the government and parliament recognized internationally in the East region with its center in the city of Tobruk, and the second is the government and parliament in the city of Tripoli under the power of the revolutionaries "Dawn Libya". According to the famous political analyst Jamal Ahmed said that Libya is now divided into 2 groups, where government and rebel forces, Major General Tobruk Haftar revolutionary fighter wants out of politics and government. This mess is not coupled with the emergence of the Islamic organizations that have now gained control of the city of Sirte and Alkarzabih air base, and the war between armed groups in the Libyan town of Derna, which causes the flow of illegal refugees bound for Europe via the northern coast of Libya.

Yemen

The new revolutionary government under President Abed Rabbo Mansur Hadi, who was freed himself from supporters of the former regime now had to accept the bitter truth was overthrown by rebel Shi'ite Houthi forces who collaborate with Ali Abdullah Saleh. Seizure of the capital Sana'a in late January has become a point of departure countries Arab regional alliances to intervene militarily against the Shiite Houthi rebels, who want a peaceful way to resolve the political conflict between warring parties. In an article written by a Yemeni political analyst, Fuad Massad, said that the Houthi military coup has led to the public in the country has to face this Ramadhan with the patient due to lack of food, clean water, and the availability of gas and fuel. No help for civilians in southern Yemen, both of this world and other organizations, after Houthi Shiite rebels and regime forces Ali Abdullah Saleh began to impose sanctions against the southern Yemeni activists. This has not been added to the imposition of the will of Sunni Yemen by Shiite Houthi rebels to support them by forcing men fought under the banner of Houthi. Ceasefire agreement of the warring in Geneva, Switzerland, on Tuesday (June 16th) yesterday became the only hope for the people of Yemen to be able to practice as a solemn holy month of Ramadan.

Syria

Syria became the third country to undergo the fasting of Ramadan under the rain of bombs and humanitarian blockade by the army of Bashar Al-Assad in a number of areas controlled by Syrian revolutionaries. Israel The New York Times in its news last week stated that the grain has become a new source of conflict between the regime of Bashar Al-Assad and Syrian troops revolutionaries. According to the newspaper from the United States, is currently being campaigning team revolutionaries purchase grain harvest of farmers to meet the food needs of the public who are in the territory of the revolutionaries. A move that could threaten trade sanctions considered done over the years by the military government to weaken the mental revolutionaries. Keep in mind that 2015 is the fifth of the Ramadhan fasting Syria lay them in the atmosphere of war that raged since 2011 last year.

Iraq

Discriminatory policies of former Prime Minister Nouri Al-Maliki for nearly 10 years in power has dragged Iraq into sectarian Sunni-Shiite war, represented by the Islamic State and Iran. As quoted from one mosque imam in Baghdad, Mohammed Saadoun, discriminatory policies of former Prime Minister Nouri Al-Maliki against the Sunni population of Iraq has dragged the country into a prolonged war and economic crisis. A number of observers noted that although Iraq has a lot of oil, but prolonged sectarian war has caused the country more dependent on the arms of the welfare of its people. In line with the watchdog, Mohammed Saadoun who became a priest in one of the mosques in the capital say that the Sunnis who used to be the majority in the capital Baghdad now have to undergo all sorts of worship with misgivings, including the disruption of electricity and water at mosques Sunni residents in the province's capital. "Especially with the many Shiite militia that is now being distributed in areas controlled by the government, which is targeting Sunnis became the butt of them if not defeated fighters of the Islamic State," he told Rassd.

Gaza

If there are Muslims who are tolerant people in the world, is worth pinned to the mat Muslim Gaza should undergo fasting in the midst of the threat of food shortages caused by the Israeli blockade since the end of 2006. According to data obtained from a human rights report in 2014 stated that the prolonged blockade of Gaza has left more than half of the Palestinian people in the region live below the poverty line. According to the UN, almost 60% of the population in the region lost their jobs as a result of sanctions and economic centers were destroyed in the Israeli invasion in mid 2014. Do not get there, the suffering of Gazans are also exacerbated by Egypt which is majority Muslim countries also influenced blocking Gaza by closing the Rafah border, since the coup against President Mohammed Mursi on July 3, 2013 last.

source: harakahdaily.net

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INTERNET SECURITY COMPANY QIHOO 360 TO ESTABLISH A MEDICAL E-COMMERCE JOINT VENTURE

Chinese Internet security company Qihoo 360 has signed a strategic cooperation framework with Guohua, a subsidiary of Sinopharm Group.

With the cooperation, the two parties will create an online pharmaceutical sales platform to solve the difficulties and high-price issue in the medical care sector for medical distribution. Many forms of pharmaceutical products are illegal to be sold online in China, so the companies have not specified how ow what they are doing to avoid these regulatory issues. Meanwhile, the two parties said they will implement more cooperation in the online medical sector in the future.

Sinopharm will provide unprecedented price and resource supports to the emerging e-commerce platform.

credit to: mql5.com

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ALIBABA GROUP INVESTED INTO SOFTBANK ROBOTICS TO PROMOTE ROBOT INDUSTRY

Alibaba, Foxconn and SoftBank will work together to promote the global development and expansion of robot industry. So far, SBRH has developed a robot product with emotions named Pepper.

Jack Ma, chairman of Alibaba Group, said that in the future, the robot industry is expected to become the key sector to promote 

technical breakthroughs in medical, public service, research, and 

smart home.

Alibaba's interest in the robotics appears focused on enhancing its smart platform and establish research cooperation and communications mechanism with SBRH in various sectors, including machine vision, voice analysis, family smart control systems, and smart network security. Alibaba is betting its smart home products will benefit from more robotics input.

credit to: mql5.com

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Advantages Ramadhan

Ramadan is the month which has many advantages. His return after two months nor less privileges of Rajab and Sha'ban. For the purpose of nourishing a sense of responsibility and sense of worship to Allah'd like to add during Ramadan, here brought some of the hadith that tells the story of advantages.

Abu Hurayrah said: The Prophet said, which means: When was the arrival of Ramadan, the gates of heaven opened and closed the gates of hell and the devil was tied.
-Hadis Issued by the imam Bukhari, Muslim, Nasai'e, Ahmad and Baihaqi-

From Abu Hurayrah from the Messenger of Allah said which means: He who fasts Ramadan with faith and sincerity will surely pardon their sins of the past.
- Naration Nasai'e priest, Ibn Majah, Ibn Habban and Baihaqi-

Abu Hurayrah said: I heard the Messenger of Allah say about Ramadan, which means: Anyone who founded it (Ramadan) full faith and sincerity forgiven him what his previous sins.
- Narrated by Bukhari, Muslim, Tarmizi, Abu Daud, Nasai'e, Malik, Ahmad and Baihaqi-

Abu Hurayrah said: Messenger of Allah said which means: prayer that difardhukan to worship what was previously a guardian between the two, and Friday to Friday before a guardian of what is between them, and month to month (of Ramadan) is between what kaffarah them except three groups: Shirk in Allah, and the Sunnah leave agreement (violated). Abu Hurayrah said: And I know that things will happen, so I asked: O Messenger of Allah! Shirk with Allah as we know, there is agreement and leaving the sunnah? Prophet said: The agreement that you enter into an agreement with another person then you melanggarinya oath and you killed him with the sword you die while the sunnah then out of the church (Islam).
-Hadis Of Ahmad, Al-Hakim, and Baihaqi-

From Abu Salih Al-Zayyat that he had heard Abu Hurairah said: Rassullah Allah said which means: Every son of Adam practice fasting for him except it for Me and I will reward you. And fasting is a shield, so if someone is on the fast day he approached prohibited (making out) on that day and not raise voice.Sekiranya he insulted or attacked, then he said: 'I am fasting for the sake of God which the Holy Prophet Muhammad dealt with the smell changes fasting person's mouth is more fragrant in the sight of Allah on the Last Day of the smell of musk, and for the fast two joys in which he rejoiced with them when they break open and have fun with the time when he met his Lord happy with his fast.
-Hadis Of imam Bukhari, Muslim, Nasai'e, Ahmad, Ibn Khuzaimah, Ibn Habban and Baihaqi-

 DESCRIPTION HADITHS

1. The Hadith tells how great the advantage of Ramadan to us together with all the power it sunnah practice.

2. The door of heaven is open during Ramadan, while the gates of Hell are closed. It describes how God is so merciful His devout worship and obey all laws.

3. Satan is bound during the month of Ramadan so that we can deliver on his worship with sincerity. But we have to remember that the devil is a friend to us that lust will replace Satan task if we default.

4. The importance of sincerity and our faith in the discharge of worship.

5. Fasting is able to shield themselves from falling to the valley of sin, so also he is able to eliminate all the sins of the past if we truly repent.

6. We must revive the Sunnah of the greatest of which is located in the community of Islam, especially in restoring the Islamic Caliphate, which has long been destroyed on 1924.

7. Keep away from Shirk in Allah, whether in the form of action, intention or conversation. We must abide by the agreements made as long as it does not violate Islamic law.

8. We must fast on all members rather than on food and drink.

9. The smell of the mouth of a fasting person is more fragrant than musk.

10.Orang fast will achieve happiness when breaking two and when one day meet God.

11. In the discharge of fasting we must be patient and do not like empty talk let alone raise their voices when speaking.

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Tanker MT Orkim Harmony detected in the waters of Cambodia

The ship reportedly was renamed and paint.

KUALA LUMPUR: The tanker MT Harmony Orkim missing since last Thursday has successfully detected. According to a statement issued by the Commander of the Royal Malaysian Navy (RMN), Tan Sri Abdul Aziz Jaafar, the ship was in the waters of Cambodia and was renamed and paint. The ship was being watched from the air by aircraft of the Royal Malaysian Air Force, Malaysia Maritime Enforcement Agency and the Royal Air Force AUSTRALIA. When missing, MT Orkim Ships carrying 6,000 tonnes Harmony petrol worth RM21 million. The last time it was detected on Thursday night on the way from Malacca to Port Kuantan, Pahang.

- Bernama

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Auction Listing 22 June 2015

Kuala Lumpur

Reserve Price:  RM 60k
Auction Date : 22 June 2015
A fee of flat rate of rm1500 will be charge to the client if WIN

APARTMENT

Unit No. LCF 4­09, (4thFLOOR), Block Desa Angsana (N), Jalan Desa Cahaya 1, Taman Desa Bukit Cahaya, Cheras

650sf

Reserve Price:  RM 700k
Auction Date : 22 June 2015
A fee of flat rate of 1% will be charge to the client if WIN

2 storey house

No. 126 Jalan Midah Besar, Taman Midah, 56000 Kuala Lumpur

1550sf

Reserve Price:  RM 160k
Auction Date : 22 June 2015
A fee of flat rate of 1% will be charge to the client if win

APARTMENT

No. 26­1­11 1stFLOOR, Block 26, Jalan 1/108C, Taman Sungai Besi, KL

882sf

Selangor

Reserve Price:  RM 75k
Auction Date : 22 June 2015
A fee of flat rate of rm1500 will be charge to the client if win

APARTMENT

No. 3­3­8 Block Kantan 3, Gugusan Kantan 3, Jalan Nuri 7/4, Section 7 Kota Damansara

600sf

Reserve Price:  RM 130k
Auction Date : 22 June 2015
A fee of flat rate of rm1500 will be charge to the client if win

apartment

Unit No. F­2­10 Block F, Apartment Taman Medan Jaya, No. 2A, Jalan PJS 2/1 PJ

797sf

Reserve Price:  RM 1.3M
Auction Date : 22 June 2015
A fee of flat rate of 1% will be charge to the client if win

2 storey semi D

No. 33, Jalan Pulau Tioman U10/93, Taman Greenhill, Seksyen U10 Shah Alam

4480sf

Reserve Price:  RM 450k
Auction Date : 22 June 2015
A fee of flat rate of 1% will be charge to the client if win

2 storey house

No. 29 Jalan U5/5, Bandar Pinggiran Subang, Seksyen U5, 40150 Shah Alam

1540sf

Reserve Price:  RM 180k
Auction Date : 22 June 2015
A fee of flat rate of 1% will be charge to the client if win

1 storey house corner

No. 2 Jalan Kantansari 2, Perumahan Jalan Kantansari, 48010 Bandar Sungai Buaya Rawang

2783sf

Reserve Price:  RM 240k
Auction Date : 22 June 2015
A fee of flat rate of 1% will be charge to the client if WIN

2 storey house

No. 64 Lorong Az­Zahrah 10/3, Section 10, Bandar Puncak Alam

1080sf

Reserve Price:  RM 480k
Auction Date : 22 June 2015
A fee of flat rate of 1% will be charge to the client if WIN

2 storey house

No. 4 Jalan PUJ 5/3, Taman Puncak Jalil, Bandar Putra Permai Seri Kembangan

1550sf

Reserve Price:  RM 350k
Auction Date : 22 June 2015
A fee of flat rate of 1% will be charge to the client if WIN

1 1/2 storey house

No. 37 Jalan Suakasih 2/3A, Bandar Tun Hussein Onn, 43200 Cheras

1540sf

CONTACT:

IZWAN: 019-2488883

FOR REGISTRATION (CALL/SMS/EMAIL) 3 DAYS BEFORE THE AUCTION DATE.

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15 Ways to Increase Blog Traffic

1. Register your blog in search engines Google, Yahoo and Bing or can to How to Register blog on search engines.

2. Create a Facebook Fanpage for blogs and invite as many LIKE.

3. Make your blog more search engine friendly by using appropriate SEO plugin.

4. Encourage the ongoing contest for loyal visitors.

5. Many Blogger really like reading consideration of the comments they leave. Take the opportunity to install a plugin Comment Notifier to inform you automatically whenever a new reply comments on your blog.

6. If you found an interesting entry in another blog that Blogger Friends, make a special entry about this fascinating story and put backlinks to the blog. Another blogger friends will surely do the same to you.

7. Register with ComLuv.com and install the plugin CommentLuv. Blogger friends certainly prefer to leave comments on your blog along with a link to their last blog entry.

8. Create an entry that is often sought after by many people as a way of summons TRAFFIC check, schedule of public holidays a year, the list of the richest people, the examination table and so on.

9. Ping new entries by using free services like Ping Pingler and Pingoat.

10. Occasionally create controversial but make sure it does not violate state law and religious law.

11. Invite a Friend Blogger has many followers who became the author of the invitation on your blog.

12. Use your blog domain name as your username on social sites like Facebook, Twitter, Google + and Forum.

13. Post entries at least once a day and make sure each entry write quality rather than just anywhere.

14. Create a special tagline at the end of the email can invite friends to visit your blog.

15. Create a special tagline message your smartphone does not matter if your iPhone, Blackberry or Samsung that can attract friends visiting your blog. Do not leave a message saying "DiGi SENTby from my BlackBerry® Smartphone" because it does not bring any benefit to you.

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Steps to Successful Currency Trading

15. We get serious and start concentrating on learning a 'real' methodology. 

16. We trade our methodology with some success, but realize that something is missing. 

17. We begin to understand the need for having rules to apply our methodology. 

18. We take a sabbatical from trading to develop and research our trading rules. 

19. We start trading again, this time with rules and find some success, but overall we still hesitate when it comes time to execute. We start trading again, this time with rules and find some success, but overall we still hesitate when it comes time to execute. 

20. We add, subtract and modify rules as we see a need to be more proficient with our rules. 

21. We go back into the market and continue to donate. We go back into the market and continue to donate. 

22. We start to take responsibility for our trading results as we understand that our success is in us, not the trade methodology. 

23. We continue to trade and become more proficient with our methodology and our rules. 

24. As we trade we still have a tendency to violate our rules and our results are erratic. 

25. We know we are close. 

26. We go back and research our rules. 

27. We build the confidence in our rules and go back into the market and trade. 

28. Our trading results are getting better, but we are still hesitating in executing our rules. 

29. We now see the importance of following our rules as we see the results of our trades when we don't follow them. 

30. We begin to see that our lack of success is within us (a lack of discipline in following the rules because of some kind of fear) and we begin to work on knowing ourselves better. 

31. We continue to trade and the market teaches us more and more about ourselves. 

32. We master our methodology and trading rules. 

33. We begin to consistently make money. We begin to consistently make money. 

34. We get a little overconfident and the market humbles us. 

35. We continue to learn our lessons. 

36. We stop thinking and allow our rules to trade for us (trading becomes boring, but successful) and our trading account continues to grow as we increase our contract size. 

37. We are making more money then we ever dreamed to be possible. 

38. We go on with our lives and accomplish many of the goals we had always dreamed of.

Thank you for reading Steps to Successful Currency Trading .

Steps to Successful Currency Trading

1. We accumulate trading information - buying books, going to seminars and researching. 

2. We begin to trade with our 'new' knowledge. 

3. We consistently 'donate' and then realize we may need more knowledge or information. 

4. We accumulate more information. 

5. We switch the forex we are currently following. 

6. We go back into the market and trade with our 'updated' knowledge. 

7. We get 'beat up' again and begin to lose some of our confidence. Fear starts setting in. 

8. We start to listen to 'outside news' & other traders. 

9. We go back into the market and continue to donate. 

10. We switch forex again. 

11. We search for more trading information. 

12. We go back into the market and continue to donate. 

13. We get 'overconfident' & market humbles us. 

14. We start to understand that trading success fully is going to take more time and more knowledge then we anticipated.

Many Traders Will Give up at this Point as they Realize Work is Involved

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List of vacancies 2015/2016

List of vacant positions - updated June 18, 2015

1) Dewan Bahasa and Pustaka (DBP) - 23 & 24 June 2015

2) Pos Malaysia Berhad - July 16, 2015

3) Bank Pertanian Malaysia Berhad (Agrobank) - July 17, 2015

4) BASF PETRONAS Chemicals Sdn Bhd - July 15, 2015

5) KPJ Ipoh Specialist Hospital - July 12, 2015

6) Majlis Agama Islam and Malay Custom, Kelantan (MAIK) - July 3, 2015

7) Defence Technologies Sdn Bhd (DEFTECH) - July 2, 2015

8) Universiti Teknologi Petronas (UTP) - July 1, 2015

9) Forest Research Institute Malaysia (FRIM) - June 30, 2015

10) Universiti Malaysia Pahang (UMP) - June 26, 2015

11) Universiti Islam Melaka (KUIM) - June 26, 2015

12) Muda Agricultural Development Authority (MADA) - June 25, 2015

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MAPPA XIV - Prime Minister Dato Seri Najib Tun Razak Announced

The Civil Service premier event 14th (MAPPA XIV) this morning, the Prime Minister Dato Seri Najib Tun Razak announced,

1) Special Assistance Kingdom of RM500 to all civil servants of grade 54 and below;

2) The new rate lower housing allowance of RM300 and 25% for the quarters occupied;

3) The Department achieved savings will get remuneration in other forms;

4) Treatment in the heart of central Sarawak will be charged only RM3.00;

5) cardiac surgery in public hospitals charged only RM500;

6) Special Assistance to the Kingdom of RM250 per pensioner Government;

In addition, from January 1, 2016, he was determined the 11th Malaysia Plan (RMK-11) was launched with strong and forceful as this is the last rally before Malaysia to developed nation status.

Dreams as a high-income developed nation by the year 2020 can be achieved through an administrative people first and give priority to performance.

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Advice Those Who Have Succeeded

To Invest Successfully The Life You Do not Need Stratospheric IQ, Business Insights Insights Extraordinary Or. What is needed is a Framework for Strong For Decision Making And Control Capabilities Emotions Of Destroying framework. '
-Warren Buffett

Whether Mr. Right Or Wrong, It's Not Important. What is important is How You Earn Profit When You Are And How Much You When You Lost One. '
-George Soros, One World One investor. "

At times, our light goes off and then she brought to life from a light sprinkling of others. Each of us should be grateful to those who gave us the light. "
-Albert Schweitzer

Relatives identified by a failure on the way to success. '
Rooney -Mickey

Good results come from experience and that experience also comes from bad decisions. '
-Barry LePartner

Excellence takes a long time to mature. '
-Publilius Syrus (100 BC)

Risk Comes From Doing Something You Do not Know. "
-Warren Buffett, Best Investor world-

Thank you for reading Advice Those Who Have Succeeded.

Which type of investments of your choice!

1) Bank

2) Koperasi

3) Tabung Haji

4) ASB and product PNB (ASW, ASN, AS 1Malaysia)

5) Unit Trust

6) Gold Investment

7) Real Estate

8) Shares

9) CPO

10) Forex

11) Business

12) Insurance

Thank you for reading Which type of investments of your choice!.

Credit Card Facts & Shopping Traps

First, let us really understand how the plastic card "magic" of this work. We are given a line of credit, with a maximum limit that can be charged to the card - "credit limit". Each time the card is charged with any expenses (transaction), we reduced credit. Monthly statement received gives us a choice, whether to pay the balance in full, or only the minimum monthly payment (not recommended). When we pay a monthly fee to the bank that issued the card, the maximum credit limit be returned. However, holders of credit cards often pay only the minimum payment amount of interest and principal balances owed, and will not pay back the balance in full.

How likely a person is to be "stuck"? For young people, the disease may begin owe this unexpected way. The colleges of higher education, most of them given their own plastic cards by parents as an additional card holder. Wow! Many of the items to be purchased (for example, footwear and apparel brand, i-Pod, bags and fashion items and the most recent) and feast entertainment or social activities that are important. Is not very troublesome and inconvenient to ask parents loved each time additional money required (was not a waste of money to pay the cost of the phone anymore?). So, the easiest and fastest - Charges alone!

Could it have been in the field of student debt is very confident and there is no doubt that they will soon come to highly paid - debt would expire within a short time - only a few years after graduating. Unfortunately, many graduates face the reality that their future is far different from what was expected. Now that they're comfortable with the number of monthly balances and realize that they are trapped: kept rising debt can not be matched by an increase in their income levels are bad.

Not only young people who find themselves trapped in a situation like this. In fact, the adults were mature enough to think also tempted by this credit facility. The ad features new items and advanced the so-called "reward" for us! Yes, it is very difficult for us to refuse the luxury of living with recreational items, clothing and the most modern tools, which are often offered. In other situations, the people who are out of work could also crashed in credit card debt - no savings, credit cards are used as a facility to support the daily needs. However, when they start work again, they realize that their credit card has reached the maximum limit; repayment becomes a great burden.

Although we do not want to think negatively, we will not prevent financial problems if we often ignore the actual reality. The economic downturn makes people desperate and falls in financial disaster. Only those who have been preparing for such a situation is not good to be able to survive in a difficult environment. What should be done to prevent ourselves from being part of the sad statistics?

Thank you for reading Credit Card Facts & Shopping Traps.

Four Basic Financial Management

1: Buy with cash.

2: Living the ability, not the ability to spend.

3: Start the habit of saving even a little.

4: Build a second income.

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The Important Of Money

1) Money is not the main goal. Money is not the goal of life. But money is a tool in life. When we have money, we are able to live better.

2) Money is to create goodness. Money can be channeled for good. More money, more opportunities to do good. Bill Gates a lot of money (tens of billions of dollars). He used the money to help the majority of people, including building its own foundation.

3) Money gives us choices. When we much money, we have plenty of options. We make decisions because we can afford to choose. Not forced to spend.

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