The Modern Day Stock Market in Review

By Jonathan Bridges

The stock market of the last ten years has been a wild ride. Let's take a few moments to reflect on just how crazy things have been during this time. This has been a very memorable decade as far as the financial markets are concerned.

Just ten years ago, things were better than they had ever been in the stock market. Just about everything was at an all time high, and things showed no signs of slowing down. People were buying things blindly, despite the fact that P/E ratios were significantly higher than they had ever been.

People were doubling their money within months, and overnight millionaires were born. Just about everyone out there was trading stocks, and many quit their jobs for the sake of day trading. CNBC was a fixture on television sets around the country.

Unfortunately, reality hit soon after, and it hit main street pretty hard. The markets retreated from their all-time highs within a matter of months. Things plummeted as the reality of the tech bubble set in.

Things quickly went down and stayed that way for quite some time. Just when it looked as if things were stabilizing in 2001, things got worse after the 9-11 attacks. The world economy was at risk and many investors were pulling their money out of the markets.

Things slowly rebounded during the next few years, until the Dow Jones industrial average rallied to an all-time high in 2006, breaking 14,000 at one point. Many feared another bubble that was bound to correct itself.

It wasn't just the stock market this time around. Many people chose to bet on oil prices, which hit highs of over $140 per barrel during 2008. People were quitting their jobs to trade forex currencies and the market hype was almost back to its old state.

Once again, the doom kicked back in and the markets hit their lowest points since the 1990s. Things have since rebounded a bit, but it makes you wonder where we might be headed next. Something tells me that wherever we go, it'll be a wild ride - 23217

About the Author:

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Modular Houses : Ideas To Choose The Right Floor Plan For Any Modular Home

By Havan

Those homes, whose parts are mass produced in factories and then transported to a prepared foundation for final assembly, are called modular homes. Modular homes are relatively inexpensive and can be set up quickly. A 2000sq. feet house, can be built in 24 hours. Today modular homes are being extensively used to provide low cost housing on a large scale.

Floor Plans For Your Dream Modular Home

As in any home floor plan, before constructing a modular home, you will need good home floor plans. These plans are not difficult to obtain. You can get them online or from home improvement stores. There are thousands of home floor so that you are certain to come across a modular home floor plan of your liking. The floor plans for these homes vary from the norms to accommodate their transportation to the site.

You will get floor plans for modular homes that have a floor area starting from 800 to 3000 square feet. Even floor plans of cottages and ranches of varying dimensions are available. In the event that you do not get a plan of your liking you can have one made by modular home builders.

To search for the right plan you will have to ask yourself some questions like:

* How large would your house be?

* What type of floor plan would suit the neighborhood?

* What is the topography of the land?

* How much are you willing to spend?

* Do you want a single storey or double storey house?

* Just how many bedrooms does your family need?

* How much sunlight do you really desire?

Once you have answered these and other very relevant questions that arise during the process, you will be able to select the appropriate floor plan fairly easily. Also, remember that nothing is set in stone and you can easily make small changes along the way - but do consult your builder or contractor. - 23217

About the Author:

The advantages of modular homes are many. They are designed and built a lot better and they cost lesser to build . And these homes can be really beautiful, too. For more on modular home floor plans see http://www.TrulyLovelyHome.com .

How to Pick the Best Penny Stock

By William Callaway

Choosing the best penny stock is essential to make it big in the stock market. Thus having the finest penny stocks gives you the opportunity to earn huge returns with little capitalization.

It can be a very challenging endeavor determining which penny stock to invest to what with all the wide of variety of penny stock to choose from, sponsored by dozens of investment companies. Among them are authentic penny stocks, and there are also frauds who trick investors of settling on a deal but are actually not and are merely putting their money on good for nothing investments.

Below are clever techniques that will help you in looking for the top penny stock to invest your money in to.

Participate

Investing money in the stock market can be perilous especially for first time investors. This is the reason they feel all too queasy and uncertain with their security. Having to feel hopeful and optimistic can contribute to making good decisions.

Understand the Bare Essentials of Trade

Becoming successful in the stock market trade is something that you must work for. In order to reap good returns, you must recognize the fundamentals and tricks involving the stock market. You can do this by understanding how prices can go up and down. It is also handy that you arm yourself the knowledge of the trends and developments in the market. Never put money in a certain stock without prior research on it. Make sure that you do it thoroughly by validating the legality of the company, broker and the stock itself with the SEC. The SEC is very helpful in giving valuable information about the track record and know-hows in this business.

Learn from the Experts

Information sources that offer reliable scrutiny on penny stock deals are readily available online. The Internet, time and again has proven to be a practical tool for investors to search trends and useful data concerning penny stock investments. Blogs and forums tackling on how to get acquainted with penny stock all serve useful for penny stock research.

A good stock market advisor can be a friend, a colleague or a legally listed stock market consultant. They can offer expert advice concerning stock market investment and offer tips that can help you in the business. The only thing that you must watch out for, is gaining advice form brokers who gives false and selfish advices just so they can sell stocks.

Do Research

Investing in a penny stock market is very risky, thus prices may fluctuates vigorously because it is affected by everyday events such as the economy, different rates in the market and general business conditions. Doing research is vital to keep you updated on the flow of the economy thereby enhancing your ability to make decisions especially in choosing the finest penny stocks in the market.

Explore and Learn

Continuous learning and keeping yourself up to date is very essential to select the best penny stock. First time experience with the stock market adventure can certainly be unpredictable and can be quite terrifying. But as time goes, you will be able to grasp the ins and outs of the stock market world and in time discover what to expect and how to deal with it. - 23217

About the Author:

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Debt Consolidation Loan For Bad Credit

By Layla Vanderbilt

If your finances are in trouble a debt consolidation loan can help you get your debt back under control. You may believe that you won't be able to find a debt consolidation loan because you have bad credit. However, the fact is that there are many places that can help you get a debt consolidation loan for bad credit. The reason is because lenders view it as you?re attempting to fix your bad credit history. From a financial aspect they will be able to get your business back if you're able to improve your credit history and clear the debts so some lenders are willing to help you do just that.

If you have bad credit then you should expect to pay higher interest rates. However some lenders will charge you a higher interest rate because of your credit history while others will charge you a higher rate because they are trying to make money. It's important that you are able to tell the difference between these types of companies so that you don?t get overcharged. You can do this by finding out what other people that are in the same situation as you are being charged. You can also compare loan quotes from potential lenders. The information that you get from lenders will have the length of the loan, the terms, and the interest rate.

Even if you have bad credit you may qualify for an unsecured consolidation loan. By doing this you will not have to have collateral to get a loan although you should expect that the unsecured loan will have a higher interest rate. If you want to convince lenders that you're serious about clearing up your bad credit history then you should attempt to pay off some of the lower debts that are on your history. You may be forced to take out a secured loan if you?re unable to qualify for an unsecured loan. A vehicle or home will be used as collateral and sold if you default on the loan.

You can also look into having a company help you manage your debt if you don't want to take out a loan. While they are not lenders, the companies will help you fix your debt. The company will talk to your lenders directly to help lower interest rates and charge you a monthly fee. There are different ways that this process can be handled by the companies in the industry.

They try to negotiate lower payments and interest rates to help your debt become more manageable. When searching for such a company you should check the BBB to see if companies that you intend to go through have an association with the BBB. When looking to consolidate your debt you should consider the various options and see which one fits your situation best. However if you have bad credit and you?re looking for the best interest rate, you will probably have to get a secured loan to do so. - 23217

About the Author:

Layla Vanderbilt is the webmaster for a leading website that offers for bad debt consolidation advice and guidance.

The Forex Conquest Review - Is The Forex Conquest a Scam?

By Jason Muse

Is The Forex Conquest System a scam? This is a piece of automated trading system that its owner claims is able to help anyone make money from the currencies market without spending a lot of time and effort in it.

It is a complete trading solution and nothing has been hyped up about this system. In fact, it is equipped with a trading system that has been tested to be profitable for many years. Coupled with advanced automated trading technology, it has helped many ordinary people generate a new stream of automated income.

1. Learning to Make More Income with the Forex Conquest System

This automated software allows anyone to be able to leverage on the knowledge of a professional trader without having to go through the steep learning curve to know how to make money from Forex. Most people know that trading currencies can be extremely profitable, yet only a handful of professionals are able to generate a stable income on a monthly basis.

2. How Can The Forex Conquest System Help The Trader to Reduce Risks?

With this automated system, it allows a new trader to start picking up the skills of trading without having to worry too much about losing money. The money management tools help to control investment amounts and do not let the trader get carried away with his or her emotions.

3. What is The Forex Conquest System Like, and How Does It Work?

This software is capable of trading in various kinds of market conditions that occur up to 90% of the time. Some traders who have used it for a while now and compounded their earnings have reportedly been able to earn more than $1,000 a day. Of course, this will require the initial patience to wait a couple of weeks or months for the capital to start accumulating, taking longer if the starting capital is small. - 23217

About the Author:

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