Android Trading – XTrade Informational

Be thankful for the digital age. We no longer need to be confined to our laptop’s or PC’s to become online traders. XTrade, like many other cutting edge online trading platforms, now make full use of the Android app market. By offering mobile apps to their clients, platforms open up a whole new world, that allows traders quick and easily access the Forex and commodities market. Trades can be placed and managed on the go through a simple, intuitive interface, which are designed from the ground up to function beautifully on android devices.

From its conception, the Android phone was designed for multiple functions and is widely known for being user friendly. It didn’t take long before online trading platforms such as XTrade saw the potential and took full advantage of this sophisticated device.

Why should you download Trading apps?

Primarily I would say for the ease of access. Whether you are constantly on the go, or have multiple financial interests to manage throughout the day; a trading app is the perfect financial instrument for you. Downloading is simple and logging in just as easy as you are used to online. Once you have your app, I doubt you will be able to work without it. Pretty soon you will find yourself casually looking over the live charts, researching trends and even keeping track of your own trading history. Within minutes you will be choosing your investments, as you sip your Americano.

All apps can be quickly and easily downloaded directly from the app store, and offer professional trading functionality with a simple user-friendly interface.

Using a trading app is just like using a traditional online trading platform. You get the same features, tools and information. You will find that security and speedy access to international markets is guaranteed.

Take XTrade’s app for example. It offers all of the conventional tools, with an easy to use interface:

  • Trade CFDs on the world’s most popular financial instruments.
  • Fast and efficient CFD trading.
  • Get access to real-time market quotes including: popular stocks, indexes, forex pairs, and commodities such as gold and oil.
  • Buy and Sell CFDs online: stocks, NASDAQ shares, NYSE and many more stock exchanges.
  • Open and close positions, set limits to protect your investment.
  • View your balance, equity and margin.
  • First class multi language support.
  • Live charts & signals
  • Fund your account by credit card or wire transfer.
  • Fully licensed and regulated broker.
  • Award-winning trading platform.

There are hundreds of such examples out there, all offering similar features. It is advised that you do your research before committing to any trading platform.

Points that you should always look for in trading platform are

  • A wide variety of trading options
  • Live charts
  • Fast trading
  • User-friendly Interface
  • Automatic trading
  • Security of data
The bottom line is that Android trading apps are suitable for all traders. From absolute novices that want to start learning to trade CFD’s through XTrade to experts who need to keep on top of all the financial news and make quick trades. My advice is that trading apps are essential for efficient trading anytime, anywhere.  Whether you are new and looking into the world of trading, or you are an experienced trader – download that app now, and you will see the difference for yourselves.

8 Ways to Get Your Company Prepared When You Retire

Being a small business owner has many benefits, such as being your own boss, making your own schedule, and hopefully, generating a comfortable income. You’ve built a business that has endured based on tips from experts and business advisors, but the time has come to decide what to do with your business when you are ready to retire. Here are some strategies to help you prepare your lifestyle and business for retirement.

1. Open a Retirement Account

Long before you consider the retirement stage, it’s important to take steps so ensuring you’ll have an income once you are no longer working. As soon as you can, open your own retirement account. For small business owners, that may look like an independent IRA, or Individual Retirement Account. There is also the option of opening a solo 401(k) account.

2. Get Your Business Appraised

Another step you should take when you are thinking of retirement is to get your business appraised. Consult an expert to see exactly how much your business is worth. Take into consideration the assets that come along with your business and your company debts. Throughout the life of your company, you should get periodic valuations to help you make the best decisions.

3. Create a Will

It’s vital to create a will for yourself as a small business owner. Whether you have a family or not, it’s important to take this necessary precaution to prepare in case something happens to you before retirement. Draw up specific instructions about what would happen to your business and it’s assets.. That way, you can ensure that your family, your employees, and your legacy are well taken care of.

4. Make a Retirement Plan

The next step to take is to start planning out your retirement strategy. Depending on the nature of your business and your health as you age, you may be able to run your business well into old age. If your health starts to deteriorate, or if your business is physically demanding, you may need to revise your exit strategy.

5. Sell Your Business

You then need to consider the options about what to do with your business once you no longer are involved. One possibility is to sell your business. If your business is viable and generating a profit, you could exit along with a sizeable cash sum to help you ease yourself into retirement. Some business owners are able to sell their companies to top employees to keep the company mission going. It’s important to consult with a business advisor to help guide you through the process.

6. Transfer Your Business to Family

If you want to keep your company within your family, one option to consider is simply transferring ownership to a family member. Once your children are ready to start working, you want to recruit them as employees to help them learn your business. Then, when it’s time for you to retire, you can feel more at ease if your child takes the reins. If you don’t have children or your kids aren’t interested, begin grooming another interested family member early.

7. Prepare for a Buyout

The next way you can get out of your business for retirement with some cash in hand is through a buyout. If your competition is interested in expanding, you may be able to approach them when you’re thinking about retiring. Sometimes, you can get purchased by a larger corporation and gain a substantial amount of cash.

8. Close Your Business

Finally, some small business owners aren’t able to sell if their company isn’t profitable. In this situation, you may need to simply close the business. You can liquidate everything to help satisfy debts and make arrangements, so you’re not left with a heavy financial burden during your retirement. In this scenario, you may actually end up losing money, so this is typically a last resort.

When you start a small business, it’s important to consider your exit strategy as well. That way, you can see a viable way for you and your family to enjoy the retirement years. You and your spouse can gracefully leave the business and stop worrying about all of the daily stresses and headaches for once.

How to Get a Line of Credit Approved for Your Business

Running a business has always been a challenge for everyone. There are a lot of tough times that you will go through along the way, but these will make you strive for success. Whether you own a big or small business, you still have to exert more effort to achieve your end goal and keep it thriving.

One of the essential things that will help your business succeed is by getting a business line of credit. This type of loan can be borrowed through a credible lender for a specific purpose. In case you need more finance to start a new business, you are legible to get a line of credit.

In fact, this works the same way as a credit card. You have the freedom to utilize the money when you need it the most. The interest rate can be lower, since you only have to pay for the interest on the money that you have actually withdrawn. Moreover, a business line of credit is particularly designed to fund short-term finance needs, such as purchasing new equipment, bridging financial gaps, buying inventory, or paying operating expenditures.

If you are interested to get a business line of credit, here are some smart ways to get your business line of credit approved:

Review your credit history and rating

One of the most important things to consider before applying for any type of line of credit is to know your credit record. You have to check your credit history, so you can be prepared when you ask your bank for a business line of credit. Apparently, you can access your overall credit information and have it printed out. In addition, to have a good credit record, you should pay your bills on time or keep a low ratio of debt to your credit cards. Therefore, lenders will know that you are creditworthy and have the ability to repay the loan. Also, your limit will be higher and the interest rate will be lower.

Collect your financial records

Prior to getting your line of credit approved, financial institutions will look at your financial records first. These loan companies will inquire into your income, the kind of job you have, where you live, and other necessary factors that could either hinder or be of help to your application. Thus, you need to ready some copies of your bank statements, employer information, and past tax returns.

Increase your credit and utilize it

It is highly recommended that you utilize and apply early for both business credit lines as well as credit cards. With this, you can establish a good credit history and be able to request for an increased credit limit, though you don’t really need it immediately.

Overall, getting a business line of credit will be easier if you have a good credit rating. You have to make sure that you are able to pay for your finances on time and never let your record turn into a bad one. Simply follow these tips mentioned above when you are about to apply for a line of credit. Certainly, you will get what you deserve.

Find Trading Opportunities with XTrade Europe

Money is a sensitive subject because everyone has an opinion on how it should be handled, and quite often, this opinions will contradict each other.  It causes no end of trouble for all of those who are looking for it to work in a business situation, whether it’s a physical banking book that has to be balanced, or an online account that has to take into account the trade market.

There are some who understand the idea of how to make money work for them, and then there are others who struggle with the idea.  Specifically with the handling of it.  Take your business for example.  When you borrow money, what do you do with it?  Do you use it for those day to day expenses or do you put it towards those large things that you need to purchase on behalf of the business?

Borrowing money should be always be a last resort, but when it is done, it needs to be done with an expert hand and applied to the perfect things that are going to make good use of the money that you borrowed in the first place.The same thing can be said for online trading.  You have to remember that when you’re trading at the professional level, you have to also have the finesse of working at that same level.  This is shown through making the right trades at the right times.  While theory and monitoring certainly goes into making the decision in how to “ride the market”, even the experts like MGJL will tell you that a lot of times you make your decision based on how the market will “feel”.  The best example of this is looking at how, during the holiday season, some people lose out in a big way with the stock market, and other people will benefit greatly.  It comes down to knowing when to use the market to your advantage using strategy and when to simply let it take you for a ride instead.

This theory of understanding money in more than nickels and dimes, of seeing it more as a living creature, or a bargaining chip, this allows for a business to profit in ways that those who keep money as a flat object cannot.  There is real power in controlling money the right way, but this “power” comes from understanding the value of money in itself instead of what money may mean to you, personally.

No matter if you’re looking at a business loan or how to use your money wisely in a rocky trading situation, the best people in the business do as well as they do because they respect money in itself and know just where to out it and how to use it so that they get the best possible value for it in all of their professional endeavors. This may not be practiced in the smaller businesses that are just trying to keep afloat, but it should be.

Financial Life

There are many ways to be successful in business, whether you’re looking at it from the point of view of a reputation, or financially.  The thing is, reputation and financial stability can go hand in hand, and make the best of each other.  It’s a kind of relationship that benefits both ends and can really help you get ahead of the competition.  Just take a look at the way they work together.

First of all, financial stability needs to be taken as seriously as possible.  Finding that you are comfortable in finances even when you are bringing in new customers and taking on investments is not something to take lightly, it’s a huge accomplishment.  The thing that most people find hard is how, exactly to get that.

The answer is in the other half of the relationship: the reputation.  When you start a business, you have to make sure that you’re in it to win it with the right advisors behind you like Alexander.  From the very first moment, make sure that you are operating at your best quality.  Advertise professionally, reach out to make business contacts, call in favours, do what you have to do to get started on the right foot.  When that’s done, you’ll start to have customers trickling in.  While it may only be a few at a time, they’ll come back and recommend you to their friends if you do it right.

When you get a steady client base, your reputation will start to increase and, if you keep doing a quality job and treating your customers right, you’ll be successful in the small business world before you know it.  This means that you’ll have a great reputation that will really boost your professional quality and your stance in the corporate world.

Financial stability will come having that positive reputation.  You’ll be able to bring in bigger clients that wouldn’t have looked at you before, bring in more employees so that your business can be better and bigger, and reinvest the money you make so that you are always making money that will go back into the business.  It’s a cycle that really needs to be taken seriously if you’re going to get anywhere with business.

The hard part is finding that balance between how much money is “enough” and doing the job right. That balance, while hard to find, will benefit you in such a way that success will almost be…easy. What a strange thing to think about as you sit here looking at the huge mountain in front of you. The hardest thing to do, they say, is the first step. So go ahead and get it over with by starting out that balance with a positive and professional step forward into the business world that is waiting for you. No one is saying that you won’t have bad days, but if you keep motoring on through and holding onto your business, you’ll be able to see the light at the end of the tunnel become much clearer.

How To Plan For Your Financial Life And The Stages That Follow


Once you recognise the ever changing reality of your financial circumstances you will begin to see the need for effective planning and strategy. We are directly affected by fluctuations in the economy as well as financial markets. In a similar manner, your own personal financial needs never remain constant. They are also prone to change many times throughout the stages of adulthood. The good news is that it is probably simpler to determine how your financial needs will change than it is to predict the future of financial markets.

”Having a financial game plan makes you focus on the way you use your money and helps lay the groundwork for a bright future. This might seem daunting at first, but if you manage to work your plan, the rewards far out way the effort.” – Wonga

Your financial life as an adult typically comprises three distinct stages. And with these come changes in the levels of personal income you are able to enjoy, and the added responsibilities that life will throw at you. You will no doubt have increased financial concerns as you age from taking care of a family to eventually worrying about retirement. Fortunately, the patterns are fairly consistent and these are stages we all have to go through.

The first stage is when you are a young adult entering the working world for the first time. Depending on your earnings you need to establish good habits with regards to spending and saving. Decide early on to be a wise spender. Start a monthly budget so you can learn to control your money. If you have to borrow money always give preference to purchases which have long term value instead of just short term enjoyment.

Saving should begin as soon as you earn your first pay cheque and then continue for the rest of your life. Usually, the tendency is to celebrate your earnings by spending on entertainment and luxuries. Sadly in South Africa, even employees at advanced stages of their lives struggle to keep aside money on a monthly basis. If you’re just starting out now is the best time to commit to healthy financial habits.

The second phase of your financial life is known as your prime earning years. This is when you find that your career starts to grow and your earnings increase correspondingly. But at the same time, you have increased expenses. You are also probably looking at owning a decent house and car, or settling down to marry. All of these things have direct financial implications. During this stage, your need to save money goes even higher because you have to consider your family in addition to yourself.

You will probably have to save money for your child’s education while your personal retirement planning should be well underway. This is also the stage where you should seriously consider investing portions of your savings so you can build assets for the future. The need for protection for you and your family also increases so be sure to have insurance products that meet your requirements.

The third stage actually begins shortly before you are near retirement. Your needs for healthcare are likely to go up and this is easily taken care of if you had implemented a medical aid or insurance plan in earlier years. The cost of healthcare is always on the rise so make sure you are covered during the time you will need it most. You should also make sure your estate plan is in place and up to date.

Though you are free from the working world you will still have investments to look after. This is the time when you get to reap the benefits of passive and residual income especially if you started investing as early as possible. Your retirement should be a time when you can finally kick back, relax, and enjoy well deserve special times with your growing family.

Making quick bucks with binary options trading


Binary options are becoming lucrative trading options for a lot of traders these days. If you too are looking for some quick, yet effective ways to make profits from your trading opportunities, then here is a guide which will come across as effective for you.

  • Early Close Feature: Ideally, many traders contemplate whether to stick on till the end of the day to close the deal, or to withdraw early and close at a profit. Since there is always a risk of holding on to the investment for too long, chances are that it might end up in a loss. If you feel that the stakes are in your favor, you should fold and close the deal on a profit, by putting in the papers earlier than usual. Consult your broker and take a decision accordingly.
  • Choosing your trading strategy: If you are following in the footsteps of your mentor or simply using your own strategies, make sure that your strategies have a 70% winning ratio. If you are constantly changing your strategies, and investing big amounts, chances are, you are playing with fire. If you are using someone else’s existing strategies, analyze the ROI before jumping in with guns blazing. It is very important to follow efficient trading strategies in order to become a successful binary options trader.
  • Understand the trading signals: If you’re still relatively new on the trading scene, it’s imperative to understand how to read the signals. Don’t jump on the trading wagon, while basing your trading shots on sheer instincts. Wait for the prices to stabilize, before you start trading and putting your numbers in. Once the price has stabilized over a period of time, take it as your cue to start investing.
  • Trade investment limiting: A good trader never sets in all his money in his investments. It’s ideal to only invest 10% of your bank account balance in your investments, and take it on slowly from there. Reinvest the profits you make during your trading periods. The more you make, the more you invest. If you go beyond the 10% rule, you stand a higher risk of losing your money over a period of time.
  • Invest in companies which are constantly in the news: This is called trading on the news. Many big companies stocks and shares are often impacted by the trending news. Good examples are Apple, Samsung, Google, etc. Since these are some of the biggest product launchers these days, they are also the trend setters in the market. As soon as they launch a product in the market, say a new phone or a tablet, you should be on an alert to trade in their stocks and shares using binary options within the next 1-2 days post the product launch. With such positive upward trending, the stock prices usually escalate, landing you with a comfortable profit on your initial investment.

You have to play your cards right to be able to ensure you are making profits for yourself. Follow the steps mentioned above and see how you rise above the rest, when it comes to making money in binary options. The more experience you gather, the more you will become a pro at investing and understanding the signs of successful trading.