Securities Lending Provides Quick & Easy Capital

What is it that you want to accomplish? Whether you want to purchase real estate, buy a new car, RV or luxury yacht, pursue personal or business investment opportunities, exercise employee stock options, or meet other business or personal financial goals, consider securities lending.

Securities lending (also known as stock loans) are used by forward-thinking investors who want to retain the future ownership of their assets as well as leverage the present value of their securities for immediate cash needs.

Securities lending offers non-recourse / non-purpose loans based upon the value of actively trading securities you already own.   This lending program provides you with an extension of credit based on eligible securities that you pledge as collateral.

By borrowing against your assets rather than selling them, you can keep your investment strategy on track and defer any capital gains taxes that might result from selling securities to meet your financing needs.

Stock loans have NO personal liability – they are a non-recourse loan secured by your securities. If the borrower defaults, he/she keeps all the loan proceeds and the lender’s only recourse is to keep the pledged collateral.

Stock loans are non-recourse – the borrower’s financial liability is limited to the collateral pledged for the loan. Borrower has the right to walk away from the loan (with no adverse credit reporting) if the value of his securities falls below 80% of the loan amount.

Stock loans are quick & easy – simple straight-forward paperwork, with no fine print. Just your stocks acting as collateral for your loan.

Use the cash for any worthwhile purpose!  Buy a home, buy a business, RE investment property, pay-off a mortgage – use it for virtually anything you desire.

PROGRAM HIGHLIGHTS –

• Simple & Quick – NO Credit Check / NO Income Verification
NO Upfront Fees / NO Closing Costs / NO Personal Guarantee

• Loans are “Non-Purpose” – loan can be used for virtually anything borrower wants to accomplish (personal or business)

• Loans are “Non-Recourse” – giving the borrower the opportunity to simply “walk away” if the collateral falls below a set floor amount

• High Loan-to-Values – up to 80% LTV (depending upon security); which is much higher than banks and brokerage companies can offer

• Loans are Interest Only – principal payment at maturity; otherwise loans can be refinanced or extended

• Low Fixed Interest Rates – usually between 2% to 4%

• Loan Term – minimum of 3 yrs; also 5 yr / 7 yr / 10 yrs

• Quick Funded – usually within 5 to 7 business days

• Borrower Maintains Beneficial Ownership – borrower keeps all upside market appreciation.  In addition, borrower receives credit against their interest payment for all dividends or interest on bonds.  An added benefit is that the lender is responsible for taxes on the dividends during the loan term.  It is a loan (not a constructive sale) per section 1058 of the Internal Revenue Code.

• This is NOT a Margin Account Loan – A securities based loan is not a “margin account loan”.  These loans have significant advantages over conventional margin loans. See ICON’s website for detailed information.

Authored by - Randall Farr, Managing Director – ICON Commercial Lending, Inc

Contact Randall Farr at 866-956-5554, ext 115

Click here for information about Non-Purpose, Non-Recourse Lending

(Note: Borrowing with securities as collateral involves certain risks, including the possibility that you may need to deposit additional securities and/or cash in the account to meet a maintenance call and that securities in the account may be sold to meet the maintenance call. Proper management of your account and a thorough understanding of the conditions that may affect your investments will assist you in effectively using the margin lending program.)

With assets of more than M, the ETF which follows the S&P 500 and is overseen by State Street Global Advisors is called Spiders. United States Of America. Both mutual and index funds are more costly than the average exchange-traded fund, which makes ETFs a lower cost purchase.

Everyone would agree spiders are the biggest ETFs, yet the next fund on the list, the second biggest and following ones, can vary depending on which list you are seeing. Now, the NASDAQ-100 There are four letter “Q’s” here. is probably the best, but just two years ago, was the third or fourth in terms of total assets, with less than million United States Of America.

With many of its holdings in software and telecommunications companies, QQQQ is seen by many as an indicator of the health of the technology sector. A hundred stocks with the index for a variety of stock.

Diamonds Trust, or DIA, is one of the larger ETFs in the US. It tracks the Dow Jones Industrial Average and includes 30 “blue chip” American companies. A lot of investors think DIA’s formula is out of date, yet is still remains a popular selection.

Even the biggest ETFs have been in the red, like DIA.

This past year, Ultra Silver Proshares (agq)what is usually called a “small” ETF, has grown relatively large. The year to date return at the time of this writing was over 28% and intra-day returns have been as high as 7% and three months back was about 4%.

Listed is a sampling of the ETFs Barclays Bank oversees. Examples are SGG , LD and JJS . Markets have gone up sharply in the last few months, but that is simply recouping some of the losses from last year’s crash. Regardless, those who invested short-term have profited from those funds.

VTI, short for VIPER is the biggest in terms of the amount of companies in the portfolio. The VTI’s value is a gauge for the US economy because most US based publicly traded companies are a part of the index and the Vanguard Group oversees them.

Literally, hundreds of ETFs are available. A few of the smaller funds have stopped existing, since they haven’t been able to get enough visitors, yet there’s always another to replace it.

For more please see EFT trend trading and ETF types.

Click here for information about Non-Purpose, Non-Recourse Lending

You will need to know a lot about real estate investing. Knowing the basics of real estate investing education is a good way to get the most out of every lesson. Whether your target is short sales, bulk reo sales, virtual real estate or improving real estate investor abilities, you need to know some real estate investing basics. Here are three real estate investing basics that even some experts do not really know:

1. Real estate investing education always yields positive. Every good real estate deal represents thousands of dollars in potential wealth. The knowledge of how to get that wealth is the key to your success. Learning about real estate increases your odds of success when you do a real estate deal. Small investments yield big results when you invest in learning and then implement what you learn.

2. Any economy allows for success in real estate investing. Often people think that you can only be a success in real estate when the economy is good. In reality, a bad economic situation is not bad for real estate investors. You can often buy properties at deep discounts. You might also find deals that simply would not exist in a booming economy. In fact, real estate investing can turn the tide for a poor economy. When an economy is less than thriving, short sales, bulk reo sales and virtual real estate can prosper. You can save yourself and others from major financial woes if you know how to do these deals.

3. You do not need lots of your own cash to be a successful real estate investor. You can make a success of real estate investing no matter how much or little money you have. There are lots of deals that you can use other people’s money to do. If you are a good investment private lenders may let you use their money. An investor who is a good investment knows as much as they can when it comes to real estate investing. This will enable you to show people who have money for real estate investing but may not know how to use it that you are a good investment.

Real estate investing is a great way to create a good amount of wealth. You will have the ability to create income in any economy. You can create success for yourself using knowledge of real estate investing, short sales, bulk reo sales and virtual real estate. You will be helped to succeed as a real estate investor by knowing real estate investing basics.

Click here for information about Non-Purpose, Non-Recourse Lending

The short sellers put up collateral, agreed to pay dividends, and paid a small amount of interest. These middle-men companies took a big slice of the earnings.  The 401k funds got only a little,  but did not complain because they thought it was essentially a risk free source of extra money.

Unfortunately, the middle-man companies overseeing the transactions got greedy, and started investing the collateral in commercial paper, instead of safer T-bills.  When the financial crisis hit, and Lehman Brothers went bankrupt, there was a panic in the commercial paper market, and some of the invested collateral suffered losses.

These Wall Street firms then passed the losses onto the funds.  Ultimately, it was the “little guy retirees” who are paying the price.  Effected S&P 500 funds, for example, lagged their benchmark index by 11 basis points (0.11%) before fees.  Mortgage-backed funds lagged by up to 53 basis points (0.53%).

Even though these losses caused by poorly invested collateral are insignificant compared to the overall loss in the mutual funds (e.g. the S&P 500 index lost 36% in 2008), they still angered some investors – who have filed class action law suits.

Overall, this situation seems to be limited to mutual funds.  People with brokerage accounts who buy individual stocks do not have to worry.  All the major brokerages keep 100% of any fees from lending securities to short sellers.  In return, they cover any losses.

Today stock loans are very popular.   Since the financial markets have been turned up-side down and banks are not lending, one method of financing has gained a lot of attention – securities based lending.

Click here for information about Non-Purpose, Non-Recourse Lending

Securities Lending is a long-established process.  In fact, hundreds of successful stock-lending transactions have been executed involving the American Stock Exchange (AMEX), National Stock Market and Small Cap Stock Market (NASDAQ), New York Stock Exchange (NYSE), Over-the-Counter Bulletin Board (OTCBB), and certain foreign exchanges.

For those with money invested in marketable securities, there is a safe way to leverage their assets and take advantage of the golden opportunities now available to cash-in on terrific RE investment opportunities which are available today.

If you are a forward-thinking investor who wants to retain the future ownership of your assets as well as leverage the present value of your securities for immediate cash needs, securities lending (also known as stock loans) can be a terrific program.

Securities base loans are –

·         Simple & Quick – NO Credit Check / NO Income Verification / NO Upfront Fees / NO Closing Costs / NO Personal Guarantee

·         Loans are “Non-Purpose” – loan can be used for virtually anything borrower wants to accomplish (personal or business)

·         Loans are “Non-Recourse” – giving the borrower the opportunity to simply “walk away” if the collateral falls below a set floor amount

·         High Loan-to-Values – up to 80% LTV (depending upon security); which is much higher than banks and brokerage companies can offer

·         Loans are Interest Only – principal payment at maturity; otherwise loans can be refinanced or extended

·         Low Fixed Interest Rates – usually between 2% to 4%

·         Loan Term – minimum of 3 yrs; also 5 yr / 7 yr / 10 yrs

·         Quick Funded – usually within 5 to 7 business days

Click here for information about Securities Based Lending

Why should you hire a retirement planner to help set up your retirement fund when you are covered under the social security system? In fact, social security coverage isn’t truly enough to cover for all of your wishes during retirement. Yes, you can get some money from your social security when you retire but with the high cost of living today, that money may not truly be enough to keep you comfy during retirement. If you do not need to live in misery during retirement, you must set up your own retirement fund while you are still working.

There are a number of things that you need to consider before you hire a retirement planner. You must see to it that the planner is reliable and knows his/her field well. Note that there are a lot of people out there who profess to be good retirement planner when in reality, they do not really know a thing about it! Before you hire the services of a retirement planner, check out his or her resume. You may also call some of the former clients of that person to get their opinion about the kind of service that they got from this person. If the former clients of this are mostly satisfied with his or her services, then you have found the right person to help you do your retirement planning. On the other hand, if you get mixed opinions on the ability of the retirement planner to deliver good service, dig deeper into the track records of the planner before you decide on anything.

Another thing that you need to consider before hiring a retirement planner is personality. Since you will need to work closely with this person, you need to make sure that you like this person. Meet with the retirement planner in person at least once before you hire his or her services.

Since the financial markets have been turned up-side down and banks are not lending, one method of financing has gained a lot of attention – securities based lending.

Click here for information about Non-Purpose, Non-Recourse Lending

For those with money invested in marketable securities, there is a golden opportunity to cash-in on the tremendous RE investment opportunities now available.  Today, there are multiple commercial & residential RE properties available for about 30% to 50% of what they were only two years ago.

If you are a forward-thinking investor who wants to retain the future ownership of your assets as well as leverage the present value of your securities for immediate cash needs, securities lending (otherwise known as stock loans) can be a terrific program.

Click here for information about Securities Based Lending  / Stock Loans

Investors who treat trading as a full-time job have the time to watch the market movements for signals.  Oftentimes, however, signals can be automated and integrated into trading software.  The investor can choose which signals to be alerted about and they will automatically appear on screen.  Software signals are usually only available by subscription and some services charge hundreds of dollars a year for a complete package.  This includes trading software and access to up-to-the-minute charts for the latest information about the stock market.

Investors who don’t have the time to watch the market closely can subscribe to services which publish signals on a daily or hourly basis.  These services may employ market analysts who may follow several indicators to arrive at a particular signal.  More commonly, however, their systems are completely automated with signals being generated by software which examines market conditions.  Some of these services have a better track record than others – it’s a good idea to research them before signing up.

With any third-party signal provider it pays to know how the signals are being generated.  Since there are such a large number of market indicators some of them may contradict each other.  In addition, a particular indicator may send out conflicting signals depending on the time frame.

Market conditions also play an important part on the accuracy of indicators. During upswings in the market, for example, trend indicators will send out buy signals but longer-term oscillator indicators will view the market as being overbought and send out a sell signal.  Generally speaking, trend indicators are most accurate during trend conditions and oscillators are best during times of transition.  Both types of indicators are often in variance with the other.

To overcome these problems, try to find a signal generator that uses at least 3 market indicators for verification.  Signals that are verified by 3 different indicators are strong and tend to be accurate.  It is also important to look at signals from varying time frames.  An upswing may simply be a short term correction and the market may afterwards continue its downward movement. Taking a broad view of market conditions allows you to see these variations more clearly.

Depending on the type of service you sign up for, signals can be delivered by email on a daily basis, available for viewing on a website, or be integrated into your trading software so that popups appear on your screen for particular signals that you are watching.

Companies which provide signals usually offer their services on a monthly basis. Some are quite expensive – as high as several hundred dollars a month. These are obviously aimed at the professional trader but other services are also available at more reasonable costs.

The value of these services has to be weighed by the individual investor.  They can be a great time saver but they may also encourage laziness when it comes to analyzing the market.  A knowledgeable trader should have the tools necessary to judge the effectiveness of a signal system and do some of the calculations himself to keep on top of the market.

Since the financial markets have been turned up-side down and banks are not lending, one method of financing has gained a lot of attention –securities based lending.

Click here for information about Non-Purpose, Non-Recourse Loans

For those with money invested in marketable securities, there is a golden opportunity to cash-in on the tremendous RE investment opportunities now available.   Today, there are multiple commercial & residential RE properties available for about 30% to 50% of what they were only two years ago.

If you are a forward-thinking investor who wants to retain the future ownership of your assets as well as leverage the present value of your securities for immediate cash needs, this can be a terrific program.

Click here for information about Securities Based Lending

The basis for technical analysis is the belief that stock prices move in predictable patterns. All the factors that influence price movement – company performance, the general state of the economy, natural disasters – are supposedly reflected in the stock market with great efficiency. This efficiency, coupled with historical trends produces movements that can be analyzed and applied to future stock market movements.

Technical analysis is not intended for long-term investments because fundamental information concerning a company’s potential for growth is not taken into account. Trades must be entered and exited at precise times, so technical analysts need to spend a great deal of time watching market movements.

Investors can take advantage of both upswings and downswings in price by going either long or short. Stop-loss orders limit losses in the event that the market does not move as expected.

There are many tools available to the technical analyst. Literally hundreds of stock patterns have been developed over time. Most of them, however, rely on the basic concepts of ‘support’ and ‘resistance’. Support is the level that downward prices are expected to rise from, and Resistance is the level that upward prices are expected to reach before falling again. In other words, prices tend to bounce once they have hit support or resistance levels.

Charts

Technical analysis relies heavily on charts for tracking market movements. Bar charts are the most commonly used. They consist of vertical bars representing a particular time period – weekly, daily, hourly, or even by the minute. The top of each bar shows the highest price for the period, the bottom is the lowest price, and the small bar to the right is the opening price and the small bar to the left is the closing price. A great deal of information can be seen in glancing at bar charts. Long bars indicate a large price spread and the position of the side bars shows whether the price rose or dropped and also the spread between opening and closing prices.

A variation on the bar chart is the candlestick chart. These charts use solid bodies to indicate the variation between opening and closing prices and the lines (shadows) that extend above and below the body indicate the highest and lowest prices respectively. Candlestick bodies are coloured black or red if the closing price was lower than the previous period or white or green if the price closed higher. Candlesticks form various shapes that can indicate market movement. A green body with short shadows is bullish – the share opened near its low and closed near its high. Conversely, a red body with short shadows is bearish – the stock opened near the high and closed near the low. These are only two of the more than 20 patterns that can be formed by candlesticks.

Since the financial markets have been turned up-side down and banks are not lending, one method of financing has gained a lot of attention –securities based lending.

Click here for information about Non-Purpose, Non-Recourse Loans

For those with money invested in marketable securities, there is a golden opportunity to cash-in on the tremendous RE investment opportunities now available.  Today, there are multiple commercial & residential RE properties available for about 30% to 50% of what they were only two years ago.

If you are a forward-thinking investor who wants to retain the future ownership of your assets as well as leverage the present value of your securities for immediate cash needs, this can be a terrific program.

Click here for information about Securities Based Lending / Stock Loans

Earnings per Share
The overall earnings of a company is not in itself a useful indicator of a share’s worth. Low earnings coupled with low outstanding shares can be more valuable than high earnings with a high number of outstanding shares. Earnings per share is much more useful information than earnings by itself. Earnings per share (EPS) is calculated by dividing the net earnings by the number of outstanding shares. For example: ABC company had net earnings of $1 million and 100,000 outstanding shares for an EPS of 10 (1,000,000 / 100,000 = 10). This information is useful for comparing two companies in a certain industry but should not be the deciding factor when choosing shares.

Price to Earning Ratio
The Price to Earning Ratio (P/E) shows the relationship between share price and company earnings. It is calculated by dividing the share price by the Earnings per Share. In our example above of ABC company the EPS is 10 so if it has a price per share of $50 the P/E is 5 (50 / 10 = 5). The P/E tells you how much investors are willing to pay for that particular company’s earnings. P/E’s can be read in a variety of ways. A high P/E could mean that the company is overpriced or it could mean that investors expect the company to continue to grow and generate profits. A low P/E could mean that investors are wary of the company or it could indicate a company that most investors have overlooked.

Either way, further analysis is needed to determine the true value of a particular stock.

Price to Sales Ratio
When a company has no earnings, there are other tools available to help investors judge its worth. New companies in particular often have no earnings, but that does not mean they are bad investments. The Price to Sales ratio (P/S) is a useful tool for judging new companies. It is calculated by dividing the market cap (stock price times number of outstanding shares) by total revenues. An alternate method is to divide current share price by sales per share. P/S indicates the value the market places on sales. The lower the P/S the better the value.

Price to Book Ratio
Book value is determined by subtracting liabilities from assets. The value of a growing company will always be more than book value because of the potential for future revenue. The price to book ratio (P/B) is the value the market places on the book value of the company. It is calculated by dividing the current price per share by the book value per share (book value / number of outstanding shares). Companies with a low P/B are good value and are often sought after by long term investors who see the potential of such companies.

Dividend Yield
Some investors are looking for shares that can maximize dividend income. Dividend yield is useful for determining the percentage return a company pays in the form of dividends. It is calculated by dividing the annual dividend per share by the share’s price per share. Usually it is the older, well-established companies that pay a higher percentage, and these companies also usually have a more consistent dividend history than younger companies.

Since the financial markets have been turned up-side down and banks are not lending, one method of financing has gained a lot of attention – Securities Based Lending.

Click here for information about Non-Purpose, Non-Recourse Loans

For those with money invested in actively traded securities, there is a golden opportunity to cash-in on the tremendous RE investment opportunities now available.  Today, there are multiple commercial & residential RE properties available for about 30% to 50% of what they were only two years ago.

If you are a forward-thinking investor who wants to retain the future ownership of your assets as well as leverage the present value of your securities for immediate cash needs, this can be a terrific program.

Click here for information about Securities Based Lending / Stock Loans

Stock brokers made their money whether or not the advice they gave you was any good and the information available to the average person was not usually enough to qualify them to make good decisions, so only the rich could afford the kind of information that would make them richer.

Today, things have radically changed – we are in the “information age”.  Everyone has access to a lot of top quality stock advice online.  You don’t have to be an elite member of society to have a real chance of making your fortune on the stock market.  Rather than blindly trusting a broker’s advice, doesn’t it make more sense to educate yourself with good stock advice online so you can make a qualified decision?

Today there is just so much information available online today that it would be entirely foolish not to take the time to educate yourself so that you can recognize the shifts and trends in the market that can make you rich.  There is a wealth of information available for anyone willing to look for it.

Finding good stock advice online isn’t as difficult as you might think, either.  You should look for information that teaches you how to read and analyze stock charts because these are instrumental in helping you to recognize a trend that indicates that you should buy or sell a particular stock.  Once you are armed with this type of knowledge you will be much better prepared to make a healthy profit through buying and selling stocks on the stock market.

The internet is the “great equalizer” of today because so much quality information is available to everyone regardless of their race, religion or economic standing.  The best stock advice online is there for the taking to anyone who will reach out their hands and grab it.  Especially during these tough economic times when people need to increase their incomes more than ever, stock advice online is there to help lead the way.  Of course a person still has to use that information wisely, but nonetheless, it is available for any person to study and use to make good stock purchasing decisions.

Why should you look for good stock advice online?

1. 1. For starters, to help you achieve “financial independence”, and
2. 2. Give you a chance to save for retirement and maybe even retire early so you won’t have to rely on your employer or the government to have any money left to give you when the time comes.
3. Wealth building should be your number one reason for seeking online stock advice. 

Since the financial markets have been turned up-side down and banks are not lending, one method of financing has gained a lot of attention – Securities Based Lending.

Click here for information about Non-Purpose, Non-Recourse Loans

For those with money invested in marketable securities, there is a golden opportunity to cash-in on the tremendous RE investment opportunities now available.  Today, there are multiple commercial & residential RE properties available for about 30% to 50% of what they were only two years ago.

For example, CEOs, CFOs or COOs, with large publically traded companies, who have large blocks of corporate stock can leverage those assets to take advantage of investment opportunities.

If you are a forward-thinking investor who wants to retain the future ownership of your assets as well as leverage the present value of your securities for immediate cash needs, this can be a terrific program.

These loans are –

·         Simple & Quick – NO Credit Check / NO Income Verification / NO Upfront Fees / NO Closing Costs / NO Personal Guarantee

·         Loans are “Non-Purpose” – loan can be used for virtually anything borrower wants to accomplish (personal or business)

·         Loans are “Non-Recourse” – giving the borrower the opportunity to simply “walk away” if the collateral falls below a set floor amount

·         High Loan-to-Values – up to 80% LTV (depending upon security); which is much higher than banks and brokerage companies can offer

·         Loans are Interest Only – principal payment at maturity; otherwise loans can be refinanced or extended

·         Low Fixed Interest Rates – usually between 2% to 4%

·         Loan Term – minimum of 3 yrs; also 5 yr / 7 yr / 10 yrs

·         Quick Funded – usually within 5 to 7 business days

Click here for information about Securities  Based Lending / Stock Loans

How do we understand the best use of these signals with reference to a Moving Average System?

One of the main problems with using moving average crossovers as actionable signals is that stocks may move or “whipsaw” back and forth across their moving average.  It is therefore an advantage to wait for a good “setup” before acting in order to avoid being whipsawed in and out of the stock (and to avoid excessive trading commissions).

Whipsawing occurs primarily when the stock is not trending. Traders use other tools to identify non-trending situations early so they can switch to strategies that work better in non-trending environments.

Most traders who use moving average crossover systems consider any extra trades they might make to be the price one must pay to be positioned correctly when the stock finally stops whipsawing and begins to trend.

In general, traders consider the benefit of the strategy to be that it enables a trader to enter a position close to the beginning of a trend and to leave near the end of the trend.  Some traders reduce the number of “false signals” by using the move of a short-term moving average across a longer-term moving average as the signal mechanism rather than the crossover by a stock’s price.

A 5-day moving average is less likely to whipsaw back and forth over a 50-day moving average than is the closing price of the stock.  Traders use combinations of moving averages (like 5 and 30, 5 and 50, 20 and 200, 10 and 100 and many others) based on how active they want to be as traders. The longer the moving average, the better established the trend it represents and the less likely it is to be generating a false signal.

On the other hand, longer moving averages give up more of the profit potential of a trade because they are slower in generating their signals.

There are tradeoffs here that only the individual trader can resolve through experience.   Remember that the rising trend of an undervalued stock is more likely to be sustained (less likely to break down) than the trend of an overpriced stock.

Price relative to earnings (PE or PE-ratio), sales (PSR or Price per Sales Ratio), and earnings rate-of-growth (PEG or PEG ratio) are among the factors that give fuel to the momentum of a trend.  Sometimes investor psychology does too, but trends based on psychology alone are more apt to undergo unexpected reversals.

The following rules pertain to moving average resistances, supports, and crossovers.

• Traders have tested both exponential and simple moving averages and have found that a simple moving average is preferable to an exponential moving average.  This is information you are not likely to find in the media where the common perception is that the faster exponential moving average is to be preferred.

• The longer the moving average, the more reliable these rules tend to be.  Many investors strictly adhere to the following moving average rules. However, we make no recommendations to buy or sell any specific stock.1. If the moving average line flattens out after a significant decline, or has begun to rise, and the price of the stock passes upward through the moving average line, it is considered to be a buy signal. The same holds true if the moving average flattens out or rises after the stock has passed upward through the moving average line.2. If the moving average is still rising aggressively and the price of the stock falls below the moving average, this is considered to be a buying opportunity.

  3. If the stock price is above the moving average, declines to the moving average but fails to go through it and starts to turn up again, this is a buy signal.

  4. If the moving average is declining and the stock price falls under it too fast, it is likely to return to the moving average. The stock can be bought to profit from this short-term snap-back. It is generally best to wait for some sign that the downward momentum is abating or that it has actually reversed before the purchase.

  5. If the moving average has been rising and then it flattens out, or if it is declining, and the price of the stock passes down through the moving average, it is considered to be a sell signal. The same thing holds true if the flattening out of the moving average or its decline occurs after the stock has passed downward through the moving average.

  6. If, while the moving average is falling, the price of the stock rises above the moving average, this is also an opportunity to sell at a good price before the stock resumes its decline.

  7. If the stock price rises toward a moving average from below, but fails to go through it and starts to turn down again, the resistance offered by the moving average is too strong for the stock and it is a sell signal.

8. If the stock price moves rapidly above the rising moving average line too fast, it is likely to have a reaction move back toward the moving average and the stock can be sold for a short-term technical reaction. It is generally best to wait for some sign that the upward momentum is abating or that it has actually reversed before the sale.

It is wise to use more than a moving average to define buy and sell points.  Shrewd investors learn to use a variety of indicators in concert.   It is also helpful if the stock’s fundamentals are in alignment with the signal generated.

For example, if the stock has given a buy signal, it is a big advantage if the stock is also undervalued. Following a discipline adds clarity and purpose to an individual’s trading.  It also enhances a person’s resolve when emotions run amok and the circumstances create confusion and indecision.

Since the financial markets have been turned up-side down and banks are not lending, one method of financing has gained a lot of attention – securities based lending.

Click here for information about Non-Purpose, Non-Recourse Loans

For those with money invested in marketable securities, there is a safe way to leverage your assets to cash-in on the tremendous RE investment opportunities currently available.

If you are a forward-thinking investor who wants to retain the future ownership of your assets as well as leverage the present value of your securities for immediate cash needs, this can be a terrific program.

These loans are –

• Simple & Quick – NO Credit Check / NO Income Verification / NO Upfront Fees / NO Closing Costs / NO Personal Guarantee
• Loans are “Non-Purpose” – loan can be used for virtually anything borrower wants to accomplish (personal or business)
• Loans are “Non-Recourse” – giving the borrower the opportunity to simply “walk away” if the collateral falls below a set floor amount
• High Loan-to-Values – up to 80% LTV (depending upon security); which is much higher than banks and brokerage companies can offer
• Loans are Interest Only – principal payment at maturity; otherwise loans can be refinanced or extended
• Low Fixed Interest Rates – usually between 2% to 4%
• Loan Term – minimum of 3 yrs; also 5 yr / 7 yr / 10 yrs
• Quick Funded – usually within 5 to 7 business days

Click here for information about Securities Based Lending / Stock Loans