If a government wants to borrow money (and most do), they usually do it by selling bonds to investors. The investor then gets to receive a stream of future payments.
The most common form of bond involves two types of payment by the borrower to the holder of the bond:
There is the final payment when the bond “matures”
In addition, there is a stream of smaller payments, usually two a year in the meantime, known as coupons and they are a fixed percentage of the final maturity payment
You can think of the big sum at maturity as the repayment of the original loan and the coupon payment as interest. That’s not exactly what they are, but that way of looking at it is a reasonable approximation.
Who uses bonds to borrow?
In the first answer, I used governments as an example, but it is not all governments nor is it only governments.
Governments of rich countries issue bonds and so do many emerging economies – Turkey, Mexico, Brazil and others. Even some low-income countries have started to do it, Rwanda for example.
The bonds are often known informally by other names. In the UK, government bonds are referred to as “gilt-edged securities” or just gilts, in the US, they are Treasuries, in Germany they are Bunds and in Japan JGBs (Japanese government bonds).
Other official agencies also issue bonds, including the World Bank and the European Stability Mechanism (one of the agencies for eurozone bailouts).
Bonds are also issued by businesses, often to fund investment or takeovers. These are known as corporate bonds.
Who buys them?
Mainly professional investors, including insurance companies, pension funds, and banks on behalf of customers or on their own account. Individual investors can also buy them, usually through a broker.
Government bonds are often sold initially (or issued) at auctions, to financial institutions known as primary dealers. The bonds can then be resold in the markets.
What do bonds have to do with quantitative easing?
QE is when central banks go into the financial markets and create new money to buy financial assets. Those assets are bonds, mainly government bonds. However, they can also be corporate bonds.
As part of its latest QE programme, the Bank of England plans to buy up to $10bn worth of corporate bonds – that’s debts originally issued by companies, including some overseas firms that make what the Bank considers a “material contribution to the UK economy”. The Bank says bonds issued by Apple, McDonald’s and Walmart will be eligible.
How do investors make money on bonds?
When you buy a bond, you are buying the right to those future payments – the maturity payment and the coupons. The return you make depends on the amount of those payments and how much you pay for the bond. The yield is the interest rate that would generate the bond payments given its price.
Here is a hypothetical example. Let us assume there is no coupon payment, just a final payment in 10 years’ time of $1,000 and you pay$ 600. That’s equivalent to investing $600 today and getting compound interest for 10 years at 5.2% (to one decimal place). Therefore, 5.2% is the yield.
If the price of a bond goes up the yield falls. That is because you are paying more for a given stream of payments in the future.
If you had paid £850 for that hypothetical bond, then the yield would have been 1.6%. Higher price, lower yield. Conversely, if you had paid less, the yield would have been higher.
Some bonds currently have a negative yield – less than zero. It means all the repayments add up to less than what you pay for the bond.
What factors influence bond prices and yields?
One factor is interest rate policy. If a central bank keeps interest rates low and is expected to do so for the full life of a bond, then the yield on the bond is also likely to be low.
However, if rates rise other investments can start to look more attractive. Therefore, bondholders may try to sell, pushing bond prices lower and raising the yield.
Bond prices can also fall if investors think there is an increasing danger that they will not get the payments they are owed. To put it another way: the yield rises in those circumstances because investors want more compensation for the risk they are taking.
How much is the bond market worth?
It is huge. Calculating a specific figure is not straightforward and it does change as markets move. The McKinsey Global Institute published some figures in 2011, which put the outstanding amount of bonds (depending on what exactly you include) at more than $100 trillion (£76tn).
That’s a one followed by 14 zeroes. About 40% of it was government bonds. The whole bond market at the time was, according to these figures, worth about double the value of global shares.
Can the bond market affect governments?
If bond market investors think that a government’s policies are going off track and there is an increasing risk that they will not be repaid, they sell bonds, driving up the yield as described above. That in turn makes it more expensive for the government concerned to borrow money when they next have to.
It can lead to a vicious spiral of rising borrowing costs, which in turn makes the debt even less sustainable. The result can be a default (failure to repay) or perhaps an international bailout. There have been many defaults over the centuries. Argentina in 2001 was a relatively recent example. The country’s more recent default (in 2014) was rather different. It was the outcome of a legal dispute with some bondholders, rather than being unable to pay.
At the height of the eurozone crisis, rising borrowing costs for the Italian government were a key factor leading to the resignation of the Prime Minister, Silvio Berlusconi, and his replacement by a technocratic government. Investors were worried about the sustainability of Italy’s debts (and there are still concerns, though less acute).
Is there a bond market bubble?
Some experts think so. They worry that when interest rates rise from current lows, prices will fall sharply and leave many bondholders nursing heavy losses. Bill Gross of Janus Capital, sometimes known as the “Bond King”, has described the market as a “supernova that will explode one day”.
It is no secret that exercise is essential to living an energetic and healthy life. However, a fast-paced world has resulted in many individuals skipping daily exercise or not putting enough effort toward the types of training that will be of most benefit. Many beginner exercisers simply focus on cardiovascular types of exercise, such as running and biking, to stay healthy. While these exercises are great for your heart’s health, strength training is vital for losing body fat and toning your body.
Strength training is essential to your overall health and fitness. It is simply using resistance to build muscle. There are all types of strength training tools, from weight machines and free weights to resistance bands and even your own body weight. Home gyms and gym memberships are two popular options for accessing strength-training equipment. This type of intense exercise not only has many physical benefits, but mental benefits as well.
Boosts Your Metabolism
Weight training helps you build essential muscle. If you do not work your muscles, you lose them and begin to lose the power to do day-to-day activities such as standing up, brushing your teeth or walking around the grocery store. When you build muscle, you increase your Resting Metabolic Rate (RMR), which allows you to burn more calories even while sitting on the couch or sleeping.
Builds Your Endurance
As you know, you need muscles to perform basic daily activities. When you do not have that muscle, you are weak and fatigue easily. When you build your muscles, it becomes easier to perform those activities. Have you ever walked up three flights of stairs carrying a load of groceries? By the time you reach the top, it is easy to be tired and breathe heavily. However, the stronger you are, the less out of breath you will become.
For men, weight training is critical for building defined and large muscles all over their body. Most women do not want to bulk up and avoid weight training all together, but their bodies do not possess the testosterone needed to bulk up. Instead, weight training helps women tone their body. Additionally, stronger muscles help improve posture for both men and women.
Prevents Disease & Chronic Conditions
Taking care of your body is critical to prevent disease and other chronic conditions from overtaking your life. Conditions such as high blood pressure, high cholesterol, back and joint pain, diabetes and obesity can all be managed with regular strength training routines. However, proper form and technique is critical for achieving results. Without knowing what you are doing, weight training can lead to serious injury. Before starting any weight-training program, it is important to gain assistance from a professional.
Betters Your Mental Health
Strength training not only possesses numerous physical benefits, but it offers several mental benefits as well. While performing strength-training exercises, endorphins are released that help, improve your mood and manage stress. It also helps rid yourself of anxiety and can improve your focus and attention.
If you want to improve your overall physical fitness and health, or to lose weight and become more toned, weight training is necessary. You will reap numerous benefits from participating in weight training exercises, and both your body and mind will thank you.
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What is Futures Trading?
Investopedia defines futures as “financial contracts obligating the buyer to purchase an asset or the seller to sell an asset, such as a physical commodity or a financial instrument, at a predetermined future date and price.” These financial contracts were originally created for farmers to protect themselves from the drastic changes in crop prices throughout the year. Farmers would negotiate deals to sell crops at a certain price at a future date, regardless of the current market price. This would protect both buyer and seller from price fluctuations.
Today, futures contracts still focus on livestock and crops, but they have also expanded to numerous items including gold, oil, treasury bonds and stocks. Even though futures are traded, they are quite different from a regular stock. For example, futures contracts have a set expiration date. This means that by the determined date, all assets must be delivered and the contract must be met. With stocks, there is no determined date.
When working with futures, you will hear the terms long and short. These refer to the two positions of a futures contract. The person with the long position agrees to buy the underlying asset at a certain price when the contract expires. If the market price of the underlying asset has moved higher, the buyer will profit. The short position is on the other side of the contract, selling the underlying asset and profiting if the market price has gone down.
For example, say you take a long position and agree to buy stock futures at $100 a share in three months. Within three months, if the price of the stock goes up to $105, you can sell your futures contract early and make a $5 profit for each share. However, say those shares decreased in value to $97 a share. That means you lose $3 per share, and your loss is the seller’s gain.
Forward vs. Futures Contracts
Forward and futures contracts both allow you to buy or sell assets later for a specified price. However, these types of contracts are not the same and can be easily confused. The main difference between a forward contract and a futures contract is a futures contract is traded on a regulated exchange. A forward contract is not traded on an exchange and is simply a private contract between the buyer and the seller.
What Information Is Included in a Futures Contract?
While the terms of each futures contract can vary, each contract should list the quantity of the asset, the selling price and whether the contract will be settled with cash or requires a physical delivery. If the contract specifies physical delivery, this means the actual asset must be delivered by the date specified in the contract and it cannot be traded. Physical delivery is not as common as it was in the past, but it is still used today, particularly when working with agricultural commodities.
Each contract should specify the quantity of the underlying asset. For example, one futures contract could be for 100 bushels of corn or for 50 shares, etc. Due to the varying commodities, each contract will also have different measurements, such as ounces, barrels or even dollar amounts. However, dollar amounts can vary greatly if being traded with countries using different currency.
Where Are Futures Primarily Traded?
There are exchanges around the world that trade a variety of futures, but some focus primarily on certain types of futures. For example, The New York Mercantile Exchange trades energy and food contracts. The Chicago Board of Trade is where most agricultural commodities are traded along with interest rate futures and U.S. treasury notes. Livestock is still a primary focus of the Chicago Mercantile Exchange. A good broker should provide you with all the information you need to know about specific futures contracts and the best exchanges for each kind. Electronic exchanges are also available if you wish to work by yourself, without the help of a broker. Options for electronic exchanges include OneChicago Exchange, which is where you can trade single stock futures. Intercontinental Exchange is another electronic trading platform for trading global futures.
What Are the Risks of Trading Futures Contracts?
If you know what you are doing, trading futures is not any riskier than other investment options. However, the leverage involved in futures trading means profits and losses can come quicker than if you were investing directly in the underlying asset.
Understanding leverage is crucial when working with futures. When you pay for a futures contract, you buy on a margin. This means you only pay a certain percentage of the price of the asset. With futures, you can pay as little as 10 or 15 percent. This means that you can receive high reward with these contracts or lose big. If you plan to trade futures contracts, you need to be wise with your money and use stop-loss orders to prevent any large losses. A stop-loss order is when a broker must sell once a share has reached a certain price. This allows you to exit an underperforming investment before the losses become too great to handle.
When trading futures, poor money management can cost you greatly. Because there are risks involved with trading futures and it is possible to lose substantial amounts of money, experts recommend you only trade with money you can afford to lose. This money is called risk capital. You will want to talk to an experienced broker before jumping into the futures arena to ensure you understand the risks and to guide you throughout the process.
What Else to Consider Before Trading
Before you begin trading futures, there are several things to consider. The first thing is to establish a trading strategy. If you trade stocks, you may have a trading strategy already. However, that same tack might not work with futures trading.
As with stock trading, it is helpful to watch market trends, factoring in interest rates and bond yields. Be sure to pick periods you are comfortable with, whether you are better at predicting short-term or long-term market movements.
As a beginner, it is also wise to choose futures categories you are familiar with. There are several categories, including agriculture, energy and equity indexes. Within these categories, there are more specific sectors such as livestock or natural gas. Once you have chosen your category and instrument, you can narrow it down to your contract. You will want to research all of these contracts carefully as they can differ greatly by their volatility, margin requirements, liquidity, etc. This research can, and should, take a considerable amount of time to ensure you are making the right investment.
As with any investment, be aware of the risks before you start trading. There are conservative and aggressive futures strategies, but even aggressive traders should only risk money they can afford to lose – especially if they are inexperienced in futures trading.
Where Do I Trade Futures?
One of the most common ways to trade futures is to open a managed account at a brokerage firm. Experienced traders will do the trading for you, which can minimize your risk. You have to pay a fee for the convenience, but this is one of the smartest options for conservative traders. Other options include trading on your own with an online brokerage company. These companies usually have small fees, but you will be doing most of the work yourself.
You can also day trade futures if you desire. However, this is an extremely risky option, particularly if you are choosing to day trade futures on your own, without an experienced broker or investor assisting you. Day trading futures requires extensive research on purchases and margins. You also must have a strong knowledge on when is the best time sell or buy futures to reap any reward.
What Is the Process for Trading?
After all your research and trading process plans are finalized, the actual process for trading futures is simple. The first steps to trade that require the most effort include:
1. Select the asset you wish to trade.
2. Find an experienced and knowledgeable broker.
3. Discuss your trading plans and strategies with your broker.
4. Make your margin deposit on the futures with the broker.
After you have made your deposit, the broker takes over. The broker will trade the asset with the clearinghouse. You will want to work with the broker to ensure your trading strategy is working and to discuss any changes.
An experienced and knowledgeable broker is key to trading futures. The wrong broker can put you in hot water and limit your gains. As you look for the best broker for trading futures, there are a few things to consider.
How long has the broker been trading futures? What is their success rate? You need a broker who understands what they are doing and has a track record to show that their trading strategies work.
Ensure your broker or firm is registered with the National Futures Association. The NFA establishes and enforces rules regarding the trading of futures. It is mandatory that all brokers trading futures are members, to ensure that everyone trading futures plays by the same rules. In addition, check with the Commodities Futures Trading Commission to ensure your broker or firm is registered. The CFTC’s responsibilities include protecting users from fraud and vicious and unethical practices.
How much money will you be paying your broker for their services? It is wise to compare costs between several brokers before you make any final decisions. The cost of services and attached fees can be excessively high if you are not careful.
Do your research on the firm to determine if any complaints have been made regarding the firm and its brokers. The last thing you want to do is give your money away to a thief.
Trading futures, if done correctly, can produce big rewards. However, it can also bring about large losses. Before making any final decisions, do your research and talk to a licensed broker to determine if trading futures is the right step for you to take.
Odds Worth Betting Review – How To Understand Betting Odds
People are generally curious about how much money they can earn from sports betting. After all the offers that they hear from Odds Worth Betting Reviews are encouraging. According to the same Odds Worth Betting Reviews, affiliates have the potential to earn as much as 50% commission from this James Jones system of U.S. sports betting. James Jones collaborated with a former athlete in this service to come up with a sports betting game that can deliver good financial results. Can this online system deliver as it promised? Odds Worth Betting premise is to disclose the best picks from the world of sports. This program is for people who dislike the complicated aspect of the system.
The system use is trustworthy when compared to other sports betting game. It should have been renamed as sports investing rather than betting. The company posts its company name and contact details on their site. Only legitimate betting services can be brave enough post their confidential information. Some even say that it is the fastest and laziest way to make money by betting on professional and college sports. The fee charge for bets are small compared to the huge potential to win.
The blurbs are helpful in explaining why such selections are chosen. The service offers a day off, this is because there are some days when there are no games taking place. Hence, there is no need to bet on anything for that particular day. Simply put, the numbers of picks are not constant for a good reason. James looks into each days sporting activities, analyses the game situation and selects the most viable pick. From these set comes the picks send through premium email members.
The shortest explanation is that the picks are not randomly selected like common betting systems. The picks are tested and run using a 10-step evaluation formula. It is not surprising to note that this is the reason for the striking rate of 65% to 70%. Receiving the email early means there is ample time to decide on which games to place bets on. Still there is enough time to inform the bookie.
How Does Odds Worth Betting Work?
This program is unique because James has made it a point to briefly explain how each picks work. After registering in the service, users are given multiple numbers of sports picks, which are; send through the user’s email each day. From the picks given, he can place a bet. The picks will reveal the insider details about games, teams and which specific games to play. The picks mentioned here refer to games like baseball, basketball, hockey, football and other forms of big games. Information given also includes those from college to professional teams.
Since picks are sent via emails, the service ensures that no email is lost and that each bettor will get their picks of the day. The good news is that there are no reports of lost emails. In one of the Odds Worth Betting review, it was mentioned how unbelievably lucky they are in being given a high percentage of odds to win by as much as from 65% to 70%. However, Odds Worth Betting did not indicate this in their letter maybe because they want to avoid being viewed as somebody who promises such big figures.
What Are The Benefits of Using Odds worth Betting?
After being sent a detailed assessment about the daily picks each day, gamers will soon learn how to view the facts given. It gives him a total understanding of the entire sports investing scenario. The program is supported with guidelines from the author. They are so easy to follow. There is no need for special skills. The system is designed perfectly and yet is offered at a lesser price as compared to online sports betting services.
The system is user friendly as soon as it is downloaded. Even beginners can find navigating the system easy. Since the 10-step evaluation process is used, the chances to win the bets are great. The program actually serves as a good training ground for those who love sports and to bet on these sports. Pick suggestion comes with tips on how many units to play for each respective game. This is a system developed based on facts and not on guesswork alone.
Customer support is available 24/7. There is also an option to send an email directly to James. If the system is not satisfactory on its trial run phase, potential members can always ask for refund up to 60 days. They will get back a full refund. The service offers two kinds of membership: premium and syndicate. Each of this membership can enjoy the benefits that go with it.
Pros of Odds Worth Betting
According to Odds Worth Betting Review, the site is user friendly. One can simply logged in by writing the first name only and an email address. These are only the two simply things that a beginner must do in order to get free instant access to the site. The site is also guarded from spam as evidence by the locked key and the message saying, “we hate spam as much as you do”. This means the owners have ensure that users will be protected from spammers and other malicious content.
From personal experiences of those who use this system, they would say that they have earned real profits after using the service for quite some time. Inexperienced gamblers will find the use of this service perfect. The reason for this is that all they need to do is to engage a bookmarker for placing their bets. It is easy to pick the odds by simply following the video and its set of instructions. For those who are interested in using the service better register now since spaces are limited. Odds Worth Betting has manage to retain a steady source of clients/members.
Clickbank backs this service with a 60-day money back guarantee. Clickbank is a leading retailer of digital products whose main goal is to ensure customer satisfaction. If any individual are not satisfied with what they purchase they can always trust Clickbank to do its job of giving a refund. Affiliates of Odds Worth Betting has the potential to earn as much as 70%.
Cons of Odds Worth Betting
If the intent of this game is to reveal secrets then why does it offer a day off? This is one of the questions asked in one of the Odds Worth Betting review. Why do they need to send the picks through email? There is a chance that these emails can get lost leaving the bettor clueless. To be truthful, some Odds Worth Betting reviews indicate the time gap between a certain country and the U.S., which can be sometimes a barrier for those people, who exists and live on a different time zone.
It is unbelievable as to how one can turn one hundred dollars into thousands of dollars in just a short period. This is possible while gambling, however sometime it is a little hard to believe sales pitch. These controversies cannot remain unnoticed by those who are not familiar with this service. The instructional video is not helpful. Odds Worth Betting review indicated that it is misleading. The reason for this claim is that sports betting are never a good long-term investment. For those who are addicted to gambling, losing can sometimes make them do crazy things by betting until they win.
Since Odds Worth Betting is still a betting game, it would be better to think of a smart way to manage the money earn on every bet. This way not all money is loss. This service is never promoted as a shortcut to earn thousands of dollars to become rich. For those who dislike complicated analytical system that will help them increase their earnings then this is the right service for them.
Since the internet is crowded by scam offers, it is not surprising how people may view the sales page of Odds Worth Betting. It actually offers a very good service. Who can deny the good partnership between James Jones and his sports industry contacts? The success of the partnership and the results is living proof that this system really works.
Before you begin investing, you should arm yourself with knowledge of what you can do how to get started, and how much money you could earn with a long-term investment.
Here are some simple rules to help you navigate the market and build a large stock portfolio over a long period.
1. Understand Your Risk Tolerance
Risk tolerance is a psychological trait that is genetically based, but positively influenced by education, income, and wealth (as these increase, risk tolerance appears to increase slightly) and negatively by age (as one gets older, risk tolerance decreases). Your risk tolerance is how you feel about risk and the degree of anxiety you feel when risk is present. In psychological terms, risk tolerance is defined as “the extent to which a person chooses to risk experiencing a less favorable outcome in the pursuit of a more favorable outcome.” In other words, would you risk $100 to win $1,000? Alternatively, $1,000 to win $1,000? All humans vary in their risk tolerance, and there is no “right” balance.
Risk tolerance is also affected by one’s perception of the risk. For example, flying in an airplane or riding in a car would have been perceived as very risky in the early 1900s, but less so today as flight and automobile travel are common occurrences. Conversely, most people today would feel that riding a horse might be dangerous with a good chance of falling or being bucked off because few people are around horses.
The idea of perception is important, especially in investing. As you gain more knowledge about investments – for example, how stocks are bought and sold, how much volatility (price change) is usually present, and the difficulty or ease of liquidating an investment – you are likely to consider stock investments to have less risk than you thought before making your first purchase. Therefore, your anxiety when investing is less intense, even though your risk tolerance remains unchanged because your perception of the risk has evolved.
By understanding your risk tolerance, you can avoid those investments, which are likely to make you anxious. You should never own an asset, which keeps you from sleeping in the night. Anxiety stimulates fear, which triggers emotional responses (rather than logical responses) to the stressor. During periods of financial uncertainty, the investor who can retain a cool head and follows an analytical decision process invariably comes out ahead.
2. Set Long-Term Goals
Why are you considering investing in the stock market? Will you need your cash back in six months, a year, five years or longer? Are you saving for retirement, for future college expenses, to purchase a home, or to build an estate to leave to your beneficiaries?
Before investing, you should know your purpose and the likely time in the future, you may have need of the funds. If you are likely to need your investment returned within a few years, consider another investment; the stock market with its volatility provides no certainty that all of your capital will be available when you need it.
By knowing how much capital you will need and the future point in time when you will need it, you can calculate how much you should invest and what kind of return on your investment will be needed to produce the desired result. To estimate how much capital you are likely to need for retirement or future college expenses, use one of the free financial calculators available over the Internet.
Retirement calculators, ranging from the simple to the more complex including integration with future Social Security benefits, are available at Kiplinger, Bankrate, and MSN Money. Similar college cost calculators are available at CNNMoney and TimeValue. Many stock brokerage firms offer similar calculators.
Remember that the growth of your portfolio depends upon three interdependent factors:
The capital you invest
The amount of net annual earnings on your capital
The number of years or period of your investment
Ideally, you should start saving as soon as possible, save as much as you can, and receive the highest return possible consistent with your risk philosophy.
3. Control Your Emotions
The biggest obstacle to stock market profits is an inability to control one’s emotions and make logical decisions. In the short-term, the prices of companies reflect the combined emotions of the entire investment community. When a majority of investors is worried about a company, its stock price is likely to decline; when a majority feel positive about the company’s future, its stock price tends to rise.
A person who feels negative about the market is called a “bear,” while their positive counterpart is called a “bull.” During market hours, the constant battle between the bulls and the bears is reflected in the constantly changing price of securities. These short-term movements are driven by rumors, speculations, and hopes – emotions – rather than logic and a systematic analysis of the company’s assets, management, and prospects.
Stock prices moving contrary to our expectations create tension and insecurity. Should I sell my position and avoid a loss? Should I keep the stock, hoping that the price will rebound? Should I buy more?
Even when the stock price has performed as expected, there are questions: Should I take a profit now before the price falls? Should I keep my position since the price is likely to go higher? Thoughts like these will flood your mind, especially if you constantly watch the price of a security, eventually building to a point that you will take action. Since emotions are the primary driver of your action, it will probably be wrong.
When you buy a stock, you should have a good reason for doing so and an expectation of what the price will do if the reason is valid. At the same time, you should establish the point at which you will liquidate your holdings, especially if your reason is proven invalid or if the stock does not react as expected when your expectation has been met. In other words, have an exit strategy before you buy the security and execute that strategy unemotionally.
4. Handle Basics First
Before making your first investment, take the time to learn the basics about the stock market and the individual securities composing the market. There is an old adage: It is not a stock market, but a market of stocks. Unless you are purchasing an exchange traded fund (ETF), your focus will be upon individual securities, rather than the market as a whole. There are few times when every stock moves in the same direction; even when the averages fall by 100 points or more, the securities of some companies will go higher in price.
The areas with which you should be familiar before making your first purchase include:
Financial Metrics and Definitions. Understand the definitions of metrics such as the P/E ratio, earnings per share (EPS), return on equity (ROE), and compound annual growth rate (CAGR). Knowing how they are calculated and having the ability to compare different companies using these metrics and others is critical.
Popular Methods of Stock Selection and Timing. You should understand how “fundamental” and “technical” analyses are performed, how they differ, and where each is best suited in a stock market strategy.
Stock Market Order Types. Know the difference between market orders, limit order, stop market orders, stop limit orders, trailing stop loss orders, and other types commonly used by investors.
Different Types of Investment Accounts. While cash accounts are the most common, margin accounts are required by regulations for certain kinds of trades. You should understand how margin is calculated and the difference between initial and maintenance margin requirements.
5. Diversify Your Investments
Experienced investors such as Buffett eschew stock diversification in the confidence that they have performed all of the necessary research to identify and quantify their risk. They are also comfortable that they can identify any potential perils that will endanger their position, and will be able to liquidate their investments before taking a catastrophic loss. Andrew Carnegie is reputed to have said, “The safest investment strategy is to put all of your eggs in one basket and watch the basket.” That said, do not make the mistake of thinking you are either Buffett or Carnegie – especially in your first years of investing.
The popular way to manage risk is to diversify your exposure. Prudent investors own stocks of different companies in different industries, sometimes in different countries, with the expectation that a single bad event will not affect all of their holdings or will otherwise affect them to different degrees.
Imagine owning stocks in five different companies, each of which you expect to continually grow profits. Unfortunately, circumstances change. At the end of the year, you might have two companies (A & B) that have performed well so their stocks are up 25% each. The stock of two other companies (C & D) in a different industry are up 10% each, while the fifth company’s (E) assets were liquidated to pay off a massive lawsuit.
Diversification allows you to recover from the loss of your total investment (20% of your portfolio) by gains of 10% in the two best companies (25% x 40%) and 4% in the remaining two companies (10% x 40%). Even though you are overall portfolio value dropped by 6% (20% loss minus 14% gain), it is considerably better than having been invested solely in company E.
6. Avoid Leverage
Advantage simply means the use of borrowed money to execute your stock market strategy. In a margin account, banks and brokerage firms can loan you money to buy stocks, usually 50% of the purchase value. In other words, if you wanted to buy 100 shares of a stock trading at $100 for a total cost of $10,000, your brokerage firm could loan you $5,000 to complete the purchase.
The use of borrowed money “levers” or exaggerates the result of price movement. Suppose the stock moves to $200 a share and you sell it. If you had used your own money exclusively, your return would be 100% on your investment [($20,000 -$10,000)/$10,000]. If you had borrowed $5,000 to buy the stock and sold at $200 per share, your return would be 300 % [(20,000-$5,000)/$5,000] after repaying the $5,000 loan and excluding the cost of interest paid to the broker.
It sounds great when the stock moves up, but consider the other side. Suppose the stock fell to $50 per share rather than doubling to $200, your loss would be 100% of your initial investment, plus the cost of interest to the broker [($5,000-$5,000)/$5,000].
Advantage is a tool, neither good nor bad. However, it is a tool best used after you gain experience and confidence in your decision-making abilities. Limit your risk when you are starting out to ensure you can profit over the long term.
There are exceptions to every rule, but we hope that these solid tips for long-term investors and the common-sense principles we have discussed benefit you overall and provide some insight into how you should think about investing.
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The USA is full of monolinguists. In fact, a recent Gallup poll revealed only about 26 percent of Americans can hold a conversation in a second language. If you look at the numbers, it is clear that English is a dominant language across the globe, but Mandarin Chinese ranks as number one by number of speakers, followed by English then Spanish.
Learning a second language is not only a good idea if you are going to work in international business, it is essential. The internet brings all of us across the planet closer together, so learning a second language, or third, can help in all areas, including your career and personal life.
You can search online for ways to learn languages, and you will find more than 100 million results. So, how do you pick the best way, the fastest way or the most effective way? Learning a new language can be easy for some and difficult for others, and it all hinges on how you learn.
Why Do You Want to Learn a New Language?
The first step in learning a language and choosing the best method to do so is to determine why you need the second language skill. Whether you need to translate text, listen to instructions in another language, or have a conversation with a friend or colleague, there are different ways of learning, and you can find one that suits your needs best. In addition, answering this question helps you answer the next one.
What is Your Goal?
You need to set a reasonable and attainable goal for yourself. You are more likely to stay on task if you write down your goal and then work toward it. Some reasonable goals include:
Ask for directions in two weeks
Order take-out in one month
Talk conversationally in three months
Speak fluently in six months
Keep track of your progress as you approach your goals. No worries if you have some setbacks. Just dust yourself off and keep going.
What is Your Learning Style?
Next, you need to figure out your learning style. We all take in information differently.
Visual: Looking at images, using flash cards, reading text, watching movies
Auditory: Reading aloud, listening to someone else, listening to music
Kinesthetic: Interacting with objects, moving about, taking notes
Once you have figured out your best learning style, or styles, and your goal, you can choose a method (or two, or three!) to learn a new language. Some of these options may be out of the realm of possibility for you – not everyone can afford to spend six months in a foreign country – so choose the methods that make sense for your budget and your available time.
Try the Buddy System
Whether you log onto Skype and find someone in a foreign country to befriend or you know someone else who speaks the language you are longing to learn, talking to someone every day in that language can help. Set aside at least 30 minutes per day to practice, and try to not use your native language at all. Interact with your environment, if possible, too. Applying what you know to the objects around you can help you remember more easily, and if you can attach a memory, that is even better.
Once upon a time, Rosetta Stone was sold through infomercials on TV. The software has grown with the times, though. It combines visuals, audio and the written word to help you learn a language, and though you can still buy the software for your computer, you can download the mobile apps (iOS and Android) to reinforce your vocabulary wherever you are. Rosetta Stone is also available as software-as-a-service, so you can pay for a subscription if you prefer.
Another approach to learning a second language is through videos. FluentU combines the idea of immersion in a cultural setting with grammar, vocabulary and entertainment. You watch videos to listen to people speak in the language you want to learn, and there are interactive captions that pop up under the video. Hover your mouse over the word you want to learn more about, and keep watching the videos to keep learning. You then quiz yourself to see how well you are learning. You can sign up for a free trial, but to keep using FluentU, you have to pay $15 per month.
Get a Personal Tutor
If you learn better with traditional methods, you may want to seek out a tutor. A professional can create lesson plans, work with you on conversations, test you and grade you. The prices vary wildly for tutors – you can find some for $6 to $28 per hour. Verbling is a good website to find tutors.
Many of the apps and web-based programs included here use some version of the Pimsleur method to teach you a new language. At its core is learning through listening. You hear a phrase in the language you are learning, then in your native language. It is a method that has been used for decades and for good reason – it works! Its $150 per language per level, so it is pricier than most methods listed here.
Start With Children’s Books
As a beginner, you need books with shorter sentences to help you learn the basics. If you want to learn Spanish, you can find translated Dr. Seuss books for some familiarity, or you can pick up some original kids’ books. Once you have the basics down, try testing yourself online, and start incorporating some conversations here and there. If you would like to keep learning on your own, pick up a novel in Spanish and try reading that.
When you make a game out of anything, it is easier to get through. App developers are learning you can gamify almost anything today. So, why not turn learning a language into a game? Duolingo uses some gamification in its method, and so does Memrise. It focuses on memorization, but it helps you build solid foundation with reinforcements. You see videos, hear people speaking the language and parrot it back, and see the words on the screen.
Learn a New Skill Taught in another Language
One of the best ways to learn a new language is to not even realize you are learning it. Take a cooking class taught in Spanish or French. You will quickly pick up the words for “bowl,” “spoon,” “whisk” and “fork,” and when you see the instructor grabbing for the chicken and a bottle of red wine to make coq a vin, you will easily make the association. When you go through the steps to make the food, and then eat it, you will be committing a memory using so many different senses; it will be difficult for you to forget the words you have learned in another language.
Watch Movies or Television
This is a more passive approach to learning a new language, but it fits in with the immersion technique. You can put on a movie in Japanese, Spanish, French or any other language and let it play in the background. Eventually, you will pick out familiar words and understand what they mean. If you pay attention, you will be able to pick up the language faster because you will have visual cues to associate with the words being said.
Listen to Podcasts or Radio
Another immersion technique is to simply listen to people talking. After all, this is one way we learned our native language when we were babies. Choose a podcast in the language you want to learn, and choose a subject you are interested in. It will not be long before you are following the conversation and learning the language as well as more about a subject you already love.
Along with the free apps like Memrise and Duolingo, Free Rice offers you ways to learn a language at no cost to you, and you will do a small part to feed the hungry. For every correct answer you give as you test yourself on languages on the website, the group donates 10 grains of rice to the World Food Programme. The tests are simple and focus on vocabulary, so it could be supplemental to another method you choose.
This app can be used on a browser or any internet-connected device that allows apps, and it works for Windows, iOS and Android operating systems. It is a free app you can use to learn a new language (23 available) for almost any use. You will get lessons in grammar, vocabulary, sentence structure and more. You will also get the chance to practice by typing, speaking and listening.
When you were in school (or maybe you still are), did you make flash cards to help you study before every test? Anki is a program you can download on your computer, smartphone or tablet to use flash cards to help you memorize words, phrases and more.
Visit a Foreign Country
Is this the end-all-be-all method to learn a language? Some swear by it, while others claim they only picked up a few helpful phrases. This is an expensive immersion method, but it may work for you – or it could work as your ultimate reward for learning a language.
You may worry about your personal information online and rightly so. The Pew Research Center reported that only 2 percent of adults are very confident that search engine providers keep their personal records private and secure, while 41 percent of adults are not at all confident. Because of this lack of confidence, many people use tools that help them stay anonymous while online.
Some ways to hide online are fast and simple, while others are a little more complex. Here are eight ways you can stay anonymous online and keep your personal information safe.
Use a Proxy Server
If you wish to remain anonymous, you need to hide your IP address. A proxy server connects through a different web server, hiding your IP address with its own. There are numerous free and paid proxies available, and many popular web browsers also offer proxy server extensions you can use.
Use a Virtual Private Network
A Virtual Private Network (VPN) also hides your IP address. A VPN lets you connect to private networks using a public network. When you use one, it replaces your own IP address with one from the VPN provider. Using a VPN also hides your location; for example, you may be in New York City, but with a VPN, you appear in London.
TOR is short for The Onion Router, and it is one of the easiest ways to browse anonymously online. A free software hides your identity by redirecting your traffic from different servers and encrypting it so it cannot be traced back to you. To use TOR, you simply download and install it on your computer. It is extremely simple to use but not without flaws, and you should still take special precautions when browsing online.
Check Your Browser’s Settings
This is another simple step you can take to protect your personal data online. In your browser’s settings menu, you can control how much information it stores about you. If you give your browser the option, it can save passwords, downloads, images, cached content, info saved on pages you visit and more. While using safe browsing settings online does not completely hide you, it sets up barriers to prevent others from accessing your information and learning about your browsing habits.
Create Email Aliases
If you want to stay hidden, then do not provide any information that makes it easy to find you. Avoid online shopping; checking finances; and signing up for contests, giveaways or spam. If you do use a service that needs your email, use an alias and a secure email service that encrypts your messages and requires a password to decrypt them.
Use a Virtual Box
When you work with sensitive information, consider using a virtual box. This is a second virtual computer hosted within your operating system. To use one, you simply install a virtual machine application. You can open your secure files while using the virtual machine, and once you finish, you delete the files and the virtual box, removing any trace of the sensitive information on your computer.
Block Third-Party Cookies
Stay Away From Social Media
Social media is a goldmine of personal information. While you may not post information every day or even be active on your social media channels, these networks still store an ample amount of data about you. If you want to be extra cautious, stay completely away from social media.
While avoiding social media may not be an option, there are ways to see just how much information others have access to. Facebook provides you with a full report of all the personal information people can see on your profile. You can view this report by going into your Facebook settings and clicking on “Download a copy of your Facebook data.”
Additionally, as you use all social media channels, remember to regularly check and turn on security settings. If you wish to leave a social media network, delete your account – do not just deactivate it. When you only deactivate your account, you are saying you still want your information to be available in case you choose to resume with that channel. Deleting an account removes all information.
No matter how many precautions you take, it is still extremely difficult to hide completely while online. However, the smarter you are about the information you provide and the more steps you take, the more difficult it becomes for others to gather your personal information and invade your privacy.
There are so many aspects to making money online that it becomes impossible to master them all.
SEO, copywriting, blogging, PPC, email marketing, sales, branding. Several entities make up a business that you cannot do alone.
At some point, you will realize that you need to hire a freelancer to do some of the work for you, and even that is a job within itself.
I freelance, hire freelancers all the time, and know it is not as simple as posting a job to grab yourself awesome employees.
Spend money to make money
When you post your first job ad on Upwork, Freelancer or any other online job site, within a few hours you will usually receive 20-30 applicants applying if you are looking for a freelance in almost any field.
You will see people charging from $3ph all the way to up to $50-$80ph. If you’re inexperienced in hiring, chances are you’re going to use the freelancer who’s offering the cheapest rate, or the one who seems most ‘cost effective’.
Freelancers are not vetted before they join freelance sites and just because they tell you they have written for certain blogs or created such-and-such website, does not necessarily mean its true.
The ones who charge the lowest rates often lie about their experience and the jobs they have worked to win your business.
If someone tells you that they have written for the Huffington Post but only charge $1 per 100 words, most likely they are lying.
Pay a premium for work done on ‘money points’
A money point is any aspect of a business that makes you money. These are landing pages that generates leads, sales pages, and an email that contains a call-to-action and anything that is pivotal to your sales funnel.
For example, if you need to hire someone to write a landing page where you are going to send $1,000 worth of paid traffic, you would want to make sure that page is well written and converts.
There is a greater likelihood of that happening by hiring a more experienced writer who charges $30ph than one who offers just $4-8ph.
Hire cheaper freelancers for simple tasks
Now let us say you need someone to embed some code on your website so you can show visitors a timed pop-up banner. It is a simple task and only requires a little bit of communication to tell the freelancer.
It is simple, easy to understand and can be outscored for as little as $5 or $100 and the result will be the same.
The simpler the task the less you should pay. Budget rate freelancers are often from non-English speaking countries such as India or Pakistan, where $5 goes a lot further. Giving these freelancers simple tasks is fine because they are easier to understand and there is little chance of miss-communication.
If you need to hire a freelancer for a more complicated task (website-rebuild), a landing page that needs to answer a prospect’s question or anything else that requires a lot of communication between you and the freelancer, hiring non-native freelancers will usually be troublesome as it’s very hard to get your message across via messaging or Skype call.
I have experienced several times where non-native freelancers told me they understood everything I have told them, and return work that does not meet any of my criteria.
The secret to hiring the best freelancers at cheap rates
There is a little secret in the freelance world that if you are a great freelancer, when you start up on any website to build up your reviews, you offer your work free or minuscule rates that it may as well be free.
For example, I have a friend who charges $55 per hour for all writing work but when he joined Upwork for the first time, he was offering work for as little as $3 per hour.
Why? Because he wanted to build up his profile with 5* reviews as fast as possible. He knew that undercharging was the way to do this. Freelancers (the good ones) are doing this all the time so within a few weeks they can go ahead and charge a higher fee for their work after having several 5* reviews on their profile.
You have to do a little more work finding these freelancers and perhaps post the same job 2-3 times over the course of a few weeks to find them, as they are rare to catch.
I’ll often give new freelancers a try who have no reviews if they can show me proof of work elsewhere as I know they just want a 5* review and the work will be awesome.
Do not be scared to spend money on hiring freelancers. Consider it an investment for your business that will most likely repay itself in no time. Have you hired freelancers before, what was your experience?
Most of us want to be successful at something. Whether you wish for monetary success, or simply to lose weight, be a better parent or have a successful affiliate website, you have to be motivated and committed to succeed.
The power and ability to succeed is in all of us – all it takes is the motivation to get something happening. Because unless you take action, your dreams of success will remain just that – dreams. Jason Gracia in his well-known book The Motivated Mind gives you an instructional guide on how to turn your dreams into success.
Learning how to take action, get motivated and stay that way is the key that will drive you to succeed and these simple motivation techniques will help you get what you want out of life.
Plan to succeed
Successful people are goal oriented. They plan their goals, and then work in incremental steps to achieve those goals. Your goals need to be specific, realistic and achievable. Visualize your goals so that they become real, and then write them down and keep them somewhere as a daily reminder of what it is you are aiming for.
To stay motivated, you need to feel inspired and excited about what you are aiming to achieve. If you cannot get excited about your success goals, you will never find the inspiration and motivation you need to take action to change your life.
If your goals do not excite you, then you have chosen the wrong goals. Go back to the drawing board and think about what it is that inspires and excites you, then you will have a goal you can work towards.
The longest journey begins with a single step, so plan on adding one new positive step to your daily routine each day to move you towards your goal. Adding one positive step each day will help you take control of your future and rid you of past negative habits.
Set aside 15 minutes each day to review your goals and the progress you have made. Measuring your progress will keep you inspired to achieve the results you want and help you recognize problem areas that may need work. Acknowledging your achievements is a way of patting yourself on the back for a job well done.
Believe in the possibilities. Do not allow your fears to stand in the way of your future success. Acknowledge the fact that everyone feels fear when they step outside their comfort zone. As the old adage says, “Feel the fear, and then do it anyway!”
No matter what your goals, MyGoals can help you achieve them. From losing weight, to gaining focus in your career or getting your debt paid off, they can help you succeed with a systematic process towards achieving what you want out of life.
Thinking your way to success
Successful people believe in themselves and their ability to succeed, despite the setbacks, obstacles and failures they will have encountered along the way. The road to success is littered with those who fell at the first hurdle and did not have what it takes to get up again.
Accept the fact that you will fail, maybe more than once, and in many different ways. Believing that you will achieve your goals without setbacks is unrealistic and a recipe for failure. Successful people turn the negative events that are sure to occur into learning experiences, and then they adjust accordingly and move on.
To be motivated you have to be positive.
Sure, we all have days when even getting out of bed feels like a drag, but hitting the “Snooze” button on the alarm is not going to get you to where you want to go.
Being positive puts you in control of your own destiny, so when you understand that only YOU can control your future you also understand that only YOU can control the present.
On those days when it all seems too hard, simply focus on what it is you are aiming for and imagine how exciting it will be when you achieve your goals.
Let the excitement of realizing your dreams fuel your imagination, and from that, you can power into your day.
Learn something new every day. The more you know, the closer you will get to achieve your goal in the time you have set yourself. Information can help you gain confidence, dispel fear and give you the inspiration and motivation you need to lead a better, more fulfilling life.
Get your life right Staying motivated and achieving your goals is a whole lot easier if you can keep your focus.
Aim to rid yourself of the clutter that prevents you from staying focused. Jason Gracia from Motivation123.com teaches you in a systematic process how to keep yourself focused in his best-selling book The Motivated Mind.
Organize your workspace so that it creates a positive, stimulating environment. A cluttered workspace creates a cluttered mind, so take the time to clean up around you.
Make your workplace a happy place to be by pinning your favorite quotation to the wall where you can see it or adding a vase of fresh flowers to a table nearby – whatever brings a smile to your face will keep you in a positive frame of mind and dispel any negative thoughts that may try to creep in.
An active mind requires an active body and an active body requires a healthy lifestyle. You cannot expect to operate at your peak if you do not have the physical stamina to maintain the momentum. That means eating a healthy diet, getting regular exercise and getting enough sleep. Feeling positive about your physical wellbeing has a tremendous impact on how you feel about achieving your goals.
Helping or hindering?
Surround yourself with people who inspire and motivate you to succeed. Ask yourself if the people in your life are helping or hindering you on your path to success, then make any changes necessary.
You do not have to go it alone – share the excitement of what you are aiming to achieve with those around you who will root for you every step of the way.
Take time out each day to relax. Switch off and spend time doing an activity you enjoy (other than work!) – go for a walk, take a bike ride or simply spend quality time with your family. Balancing work and play is an important part of staying healthy, happy and motivated.
Learn to live your life with passion. Appreciate all that you have around you and how great it feels simply to be alive at this particular moment in time.
Yes, it is important to keep your focus on the goals you wish to achieve, but the journey can be as exciting and stimulating as the destination. Keep your eyes open and enjoy the ride!
Rocket German Review – Learn German With Rocket German
German is one of the popular languages learnt by several people across the world. German Language is getting more valuable these days and its importance is growing regularly. If you are comfortable with German, then the chances of increasing your working demand will be more and makes you well established. German and English are similar languages with many common words. Even the grammar characteristics are quite similar. If you are uncomfortable with English, then better learn it fast followed by German. It will be easy to grasp the words and learn quickly. When you are checking for German lessons online, you might have come across a program called Rocket Languages German. For those who are looking for the best way to learn German or German lessons online, Rocket languages German is one of the highly recommended options. Check out this Rocket German review to know about this course and decide if you wish to subscribe it or not.
What is Rocket German?
Rocket German is a simple software language tool from Rocket Languages that is designed to teach German in a detailed systematic manner. This German lessons online course comes with certain flash cards and audio games. Rocket German comes with full of options that may assist you learn German in a very less time. The program is incredibly easy to follow and perceive and the best part is you need not be a technical professional to use this course. Once you make the payment, within 30 minutes you will receive access to this course. It is definitely a worth trying program with every cent you invest in it.
What is included in Rocket German?
Once you order the program, you can use it online or download the full package to your personal computer. The package is compatible with all types of operating systems. The Rocket German lessons online program comes with different modules including
1.31 interactive audio lessons
2.31 Grammar sessions
3. Games related to audio, vocabulary and verbs
4. Online access to the program
5. Private membership forum access
Every module of this Rocket German online course comes with a short German dialogue that is explained during your rest of the training with this module. Initially, the learner learns some new German words and phrases repeatedly to keep them memorized. These words and phrases are prompted along with equivalent English words so the learners will be able to construct new sentences on their own. With this, there will be lots of improvement in German vocabulary.
The Rocket German program comes with continued learning process and consolidation. This approach will play a key role in constant learning and improving the knowledge to gain more confidence. It will be like a perfect revision and one can definitely benefit from it. Along with the regular training course, the Rocket German package comes with vocabulary building tools and more add-ons to track your progress and compare with other online learners. The voice comparison tool will test your speaking skills and provide you required suggestions to improve the vocabulary.
Pros of Rocket German
There are many positives about this course and several Rocket German reviews are in favor to the program. The tool is also available for download on your smart phones either through Google play store or through Apple App store. Here are the pros of Rocket German language.
Self-Learning: The entire program will go self-learning and can set your own pace. The flash cards and audio games will play a key role in memorizing German words. You can even take the support of its audio component to learn the language without always depending on your computer.
Effective course: Since, it is an online program, you can carry it wherever you go and perfectly suits when you travel. Those people who are searching for German for beginners, this might help well in providing them the complete basics.
Easy to Use: The instructions to use the Rocket German course are very clear. Both the offline and online course are quite to use and comes with required prompts. You do not need to be a technical professional to use this program. Even a beginner can easily follow the instructions and learn the language quickly.
Dedicated customer support: Though the entire Rocket German program is very easy to use and simple to follow, you can always contact the team for any other queries. You can contact them via email or through forum for assistance from the community. The team will help you with all your issues.
Quite Affordable: There are some mixed feelings with the price of the Rocket German language tool. Many are happy with this and mentioned that it is quite affordable when compared to other such German lessons online courses.
Fun filled learning: One can be fluent in their language skills only if they are well versed with their grammar skills. However, the process of learning grammar is a monotonous task. However, it is not a tough thing with Rocket German. All the grammar sessions are very user-friendly and highly interactive. With this, you will be able to learn and memorize things easily.
Interactive Course: MegaAudio, MegaVocab and MegaVerbs are additional tools that this Rocket German program uses to build up German vocabulary, verbs and phrases. Therefore, you will enjoy your German learning process with some interesting games to improve your conversational skills.
Teaching tools: Rocket German online course introduces every aspect with respect to training to help beginners and intermediate level learners. It comes with thorough 31 interactive audio lectures, 31 grammar instructive sessions, advanced teaching tools to support future learning process and games to keep the learning process engaged.
Advanced features: Other unique aspects of the Rocket German program are its interactive online forum where online German learners can share their experiences and a dedicated help center to solve all the issues in just 24 hours. There will be a complete exercise to the learners’ ears, eyes and fingertips. Along with the audio lessons that can be downloaded, the learners can draw cultural tips, grammar instructions, quizzes and flashcards.
Lifetime membership: Once you subscribe this program, you will receive a lifetime membership access to a Rocket German course. With this, you can use the program whenever you have certain doubts and clarify them. You can even have revision for a stronger basic German knowledge.
Access to private forum: After you become a member, you will get access to private membership forum. You can share your experiences with other German learners through this forum. If you have any issues, you can post here and get assistance from other users. At the same time, you can help others if they face any problems. Though the program is an online course, you will never feel that you are learning alone when you interact regularly with other German learns via this private membership forum.
A 6 day free trial: If you are still not sure about this Rocket German program, you have a chance to take advantage of its 6 day trial offer for absolutely free of cost. Once you are comfortable with this, you can go for actual purchase and enjoy its full benefits.
Cons of Rocket German
The best part of this Rocket German online lesson program is there are very few drawbacks. When compared to the benefits that it provides, these negatives are almost ignorable.
High Price: Some students felt that the price of this Rocket German course is a bit high, whereas others felt that it is affordable for those who are checking for German for beginners to learn the basics. For them, it is enough to learn German to manage their travel needs and speak with local German individuals.
Not 100 percent effective: The way the program is designed is full of fun and an effective way to learn German quickly. However, some Rocket German reviews state that it lacks proper writing and grammar skills. The way it teaches you to learn phrases is not that effective and many users are unhappy with the technique used to construct the sentences. Still, it is considered as the best program for those who are looking to learn German at a faster pace, especially while travelling.
No flexible access: Unfortunately, only audio files can be accessed without a computer, but the rest of the program is learning material has to be accessed only online. This is not flexible for all the users, especially in this modern era who wishes to carry their activities through smart phones and portable gadgets. The flash cards can be used only on their systems. It would be great if this opportunity to access them without a computer were available. Some Rocket German reviews mention that the training session is a bit time consuming. Though the entire program is designed for an eight-week period, students have to clear a minimum of 2 hours sessions daily.
Need to be self-determined: A lot of motivation is required to learn a foreign language with a substantial investment of your time. Since, there is no one to guide you or force you in learning the language. It is only you who need to be self-determined while learning this program so that, by the end of the course, you will be able to speak German as fluently as a native will.
Only for beginners: Many Rocket German reviews claim that the course is helpful if the learner is just a beginner or an intermediate level learner. However, people who are willing to become an expert, this might not help them in achieving what they expect.
Is it worthy of trying Rocket German?
It is quite difficult to learn German and especially when there is no proper instruction. Many students also complained that those German lessons online that seem to be simple and straightforward are very difficult to find. Especially those learners who are looking for German for beginners and do not have much time or resources to join a classroom language learning to program. There is a rising popularity of German lessons online, but there are some issues for many students to find the right one with all their necessary education tools. Therefore, it is definitely important to find the right course that caters to the required needs.
With Rocket German, you will able to test your skills and track the progress. You need to grasp what you are learning and the way you are improving on that. By this option to test your skills, you will improve your learning process more. Learn and check your skills with Rocket German skills tracking tool. Do not get afraid to know your mistakes, they will help you in improving well. Upgrades are also being designed for you to understand the newest updates of Rocket German. Rocket German takes care of you and keeps updated with the course with all such updates. Rocket German is busy with new ideas that build your learning easier. If you compare Rocket German online language learning to program with other such course available online, you may see that this is often the best course. Though there are several courses, which can promise you to find out German in just six months, it is considered as the highly recommended one by many Rocket German reviews.
Rocket German online lessons program is known for completing your learning to job effectively. Those students who are looking for a perfect online German language-learning program, they will be thrilled with the results given by Rocket German program. In spite of its very few drawbacks, Rocket German program helps every German learner to provide a personalized learning experience. It provides an opportunity to for the students to tailor their self-learning experience. The Rocket German online program will keep the learners enthusiastic about this learning and improve their German speaking skills in no time. The program is considered as a great value for the amount you invest. If you still have any doubts with the performance of this program, you can request for a 6-day trial offer. Know more about this course and improve your German language skills within no time.