Author Archive: Justin Campos

Is It Possible To Earn A Living Through Trading?

This is a question that is often asked on various forums:

Well, to answer it in the simplest of terms, let me tell you clearly that when you will start out with a capital to begin making a living only through trading you are bound to lose most part of your money and more often all! But it is definitely not impossible to make a decent living only by trading.

You may become disillusioned and lose interest in trading but that is just the beginning. Let me tell you my experience. When I finished college, I wanted to take to full time day trading. I decided to put $250 that I had saved to invest in Forex.

I was only beginning to warm up to trading by learning the nuances. There were a lot of things that I was only beginning to understand. The entire investment of $250 got wiped away in one wrong trade and I was devastated. The money that was there was everything that I had saved for a rainy day.

I borrowed money from my father:

Slightly smarting from the previous experience, I decided to go really slow. While I traded carefully, I was also reading up a lot of the markets. I was simultaneously watching a lot of shows that taught how markets across the world had to be analyzed and what the number meant and what they indicated. I was becoming a pro but not that I was not losing money. But one thing I learnt was that when you are investing our own money you tend to become more reckless and at the same time you tend to exercise a lot of caution when it is someone else’s money. This I realized must be because you are answerable to that person to the extent of that amount.

I read a lot about Forex indicator because in the end everybody trades. The difference between the good and the bad trader is that while a bad trader sees the number a good trader sees the opportunity and tries to cease it!


How Will Medical Leave Influence Your Income?

Taking off from work is never an easy task. There are formalities to complete, deadlines to meet and of course transferring your pending work to someone efficient that your manager will approve. Apart from this there is the concern of your salary too.

When you take a day or two off, it does not affect your pay or work much. However, when you are planning to take a long medical leave, there are certain effects on your work as well as pay.

Influence On Your Income

If you are working in California, this is how you go on medical leave in California:

One can take up to 12 weeks of paid medical leave when it is a medical emergency. According to the FMLA (Family And Medical Leave Act) one can take off for this duration if it is a case of serious health condition, if a family member is going off for military service or if you have a new child in the family to bond with.

If you have a family member who was seriously injured on military duty, you can take off for a longer period of time, to attend to them. However, this law applies only if:

  • You have worked for the same company for the last one year or more
  • You have worked for a minimum of 1,250 hours in the past year
  • Your employer is eligible according to the FMLA

Your employer must comply with the specifications of the FMLA if they have had a minimum of 50 employees working in the company or concern for a minimum of 20 weeks in the previous or current year.

This 12 week leave period can be taken in a single year. The leave renews every year provided the employee meets the eligibility criteria. One needs to keep track of the number of days they take leave and work in a year, so that there are no last minute confusions or risk to their employment.

Help paying for a funeral costs in 2017

Paying for a funeral is never ideal and the expenses are a heavy burden for anyone to have to pay for. The funeral costs mount up and some range in price from £3,000 + and for some poor income families this can be a struggle, especially if the death is unexpected. Help with knowing how to fund a funeral care costs, like a FuneralGuide, can assist in not spending extra money unnecessarily.

Funeral Payments: What you’ll Get

The UK government help with funeral cost and provide money for burial fees, burial plot choices, cremation fees and even down to the doctor’s certificate. This lump sum of cash or direct payment is worth £700 + and can be ideal for those needing assistance with an unexpected death in the family.

What Happens When You Can’t Pay the funeral care costs?

When there isn’t anyone to help you pay for the funereal the Government usually cremate the body, and this means there won’t be flowers, short service and no body to bury.

Applying for financial assistance with funeral costs?

The Government scheme for funeral payments help low income people and usually this falls into those who are on benefits. This however will not cover the whole bill and is something to consider, although many in low income families often overlook this. The normal percentage of funds needed on top of the funded funeral costs are usually 60% or more, which is a lot for some poor families who have an unexpected death in the family.

The process of claim for funeral care?

There is a time bar for receiving a funeral payment from the government and you will have 3 months before the funding cannot be accessed. Visit the website for eligibility and in Northern Ireland it is slightly different.

Review of pay-monthly designer handbags

Have you seen the movie, Sex and the city? Then you will know exactly what I am talking about when I want to write a review of pay-monthly designer handbags. A good quality popular brand handbag is insanely expensive. It crosses all boundaries of insanity. That is a given. This is not the opinion of people who use handbags simply for its utility value. An ardent lover of branded handbags will also think twice before purchasing one.

This is where the idea of renting your own designer handbag comes in. There are subscriptions for various other objects such as shoes, clothes and other utilities. Handbags are no exceptions. Find the bag that you love and rent it for a month. You can extend it if you want to. The look of envy that people give you when you have a fancy handbag is priceless. The cost of renting is very much worth it.

There are small agencies that keep six or seven styles of handbags on rotation at any point in time. This is done so as to meet and live up to the style needs of different customers. There are many advantages. First of all, you do not have to explain to anyone why you have spent a bomb on a handbag. And secondly, if you do buy a really expensive bag, you have to use it. on the other hand, renting a classic handbag for a month lets you have a variety of handbags and you can look as stylish as ever.

Pick a place that caters to different styles and price ranges. That is what you want when it comes to variety. I found top designer bags here and I do not regret it. It is one of the places I consider as money well spent.

Buying your dream home

Buying a new house, especially if it is your first can be a mixed bag of emotions. A lot of time, efforts and money go into the deal. But unless you prepare yourself and do all the ground work well it would be a strenuous ordeal. Here are certain things to remember while buying your new home:

  1. Check your finances

Planning your finances would definitely be the first thing that you should do before you buy a home. There are various ways to fund the expense and you would be able to find a variety of loans. Mortgage loans are popular as well. I got a great mortgage here and there are many more such lenders that are easily accessible these days.

  1. Evaluate and understand the real estate trends

Real estate trends in the area where you plan to buy property would determine the actual value of the property. You should also consider the future of the real estate market in the area so that you make a deal that is worth your money. This would also ensure that even when you plan to sell your house in future you would get a good resale value.

  1. Do not choose a temporary solution

Do not choose to buy a house keeping only the current situation in mind. A house is not something that you buy too often. Consider the finer details of your long term plans before you buy a house.

  1. It is ok if you do not find a house at once

Even if you have all the finances ready the search might take longer than you had imagined. It takes a lot of time to find the right home for some, while for others it might happen overnight. Patience is the key. After all, remember that the house is going to be a long term investment a financial commitment. So do not worry if it takes too long.

Researching stocks the right way

The stock market is not very easy to understand. But once you understand stocks investing in them would be a great option. But before you choose stocks as your investment you should research stocks, understand the stock market and then proceed. How to research stocks is the big question. Because the field is vast and it might take ages for you to master every concept.

Start with finding a trusted source

Given the availability of so much information on the internet, you might think that it is easy to learn about stocks. But then there are so many websites talking so much about stocks. Some of them might even give you contradicting information. So which one should you really trust? That is the first question you should be asking yourself. Choosing a reliable source can solve half the problem at hand. There are several stock research platforms. These would offer you streamlined content to learn all about stocks and the stock market. You can also obtain real-time data from these platforms.

Market news

Be watchful and regularly update yourself with market news. If not today, then someday in the future you might find all the bits of information you gather to be beneficial. And remember that in the stock market, each stock is linked with another in some way or the other. This can help you take important decisions better.

Know about the company

When you decide to invest in the stocks of a particular company make it a point to first research about the company. Go through the company’s annual report. Look at the position of the company in the market and this would give you an idea about how profitable it would be to invest in the stocks of that company. So you can be assured that you are investing in the good stocks.

Help Yourselves Out With the Best Credit Repair

Living life at its best is very much possible these days with lots and lots of banks and financial institutions ready to help people with credits in the forms of loans and borrowings based on the credit report submitted by them. A credit report is nothing but a transparent analysis and detailed review of a person`s credit standing till date. It is a clear evidence that helps the banks and financial institutions to come to a conclusion about whether or not to approve a person`s requested loan amount. There have been many cases wherein a person has been right royally rejected the request placed because of a poor credit report.

Now, what exactly is a credit report? A person goes for a borrowing or a loan at many situations in his life for various requirements. Now each and every loan of his is carefully scrutinized by the payment of interest on time, any defaults at any time of the repayment period etc… And this is how a person`s credit report is being prepared. It is a detailed version of a person`s loan transactions including the date on which the loan amount was borrowed from which bank and also the repayments made by him with the dates in detail. This gives a clear view of what the credit standing of a person is. Now based on this he becomes eligible for a loan request placed currently.

There are companies that specifically work towards rectifying any mistakes or defaults in this credit report and such companies are called the credit repair companies. So if you feel that you need to work on your credit report to make it look better before applying for a loan, visit one of these companies, take their assistance and do the needful to make your credit report look perfect.

Get A Direct Cash Advance And Live Peacefully

Periods of financial crunch almost always come unforeseen, but they need not always be a matter of worry. Urgent medical bills, car repairs etc can cost a lot of money which one may not be prepared for.

In times like these, one need not panic as these direct lender cash advances for when you need them are the best option. They are easy to get, fairly straight forward as well as safe. And their best feature is that these loans are quick and you need not go through a long process of paper checks or other formalities.

In case if you have a bad credit and are worried if you will qualify? No need to worry about that too. As direct lender cash advances are given without a credit check which frees you of your worry.

What are the key features of a direct lender cash advance?

There are many advantages of choosing a direct lender cash advance, the first and foremost being getting cash when you need it the most. The other features include:

  • The application procedure is easy. There are no long and complicated forms to fill up.
  • The entire procedure is simple, safe and secure. You need not worry about the authenticity of these loans or the company.
  • There is no direct credit check done. So in case if you have a history of a bad credit, you are still able to apply for a cash advance loan.
  • There is no long wait for approval as the process is instant.
  • You need not supply a long list of documents, nor do you need to fax anything. It is a simply and fats procedure.
  • The repayment method is clear cut. You simply pay back the amount as a single repayment and you are free once again.
  • The entire experience is hassle free and convenient. No time is wasted in prolonged formalities.

4 Recommended Finance Books Every Stock Trader Must Read

Looking for a great book about investment and learning the stock trade? While so many books available on the web, we’ve narrowed down the best books that can help investors.

Here are 4 recommended finance books every stock trader must read.

Irrational Exuberance by Robert Shiller

Written by Robert Shiller, the winner of the Economics Nobel Prize 2013, the book provides useful information on the stock exchange and how he spent years studying the patterns and movements. As the author of countless other books, Irrational Exuberance is one of the many best-selling books about the rise and fall of stock trends.

Buffett: The Making of an American Capitalist by Roger Lowenstein

The book discusses the thoughts and methods of Warren Buffet as well as enlightens the Oracle of Omaha. It is a great resource for investors who are learning to master the art of investing.

Trade Your Way to Financial Freedom by Van Tharp

If you’re looking for a great psychology book regarding investments, this one is definitely it. not only will you learn more about the methods of how to beat the stock market, but also discover what skills you need to become a great trader. The book describes all the basics of how to build a strong winning system as well as manage your risks and rewards in your finance decision.

The Little Book That Beats the Market By Joel Greenblatt

This book explores the basic fundamentals of investing in the stock market. You will find proven formulas of successful methods of investing as the author mentioned the methods of beating the performance on the market by investing in low-priced quality companies.

Got any more finance books that you want to recommend? Comment below and share your thoughts with us!

Top 5 Most Used Apps For Investments

Are you looking to try your hand in investing in stocks? It is never too late to try investing and money management. Thanks to modern technology we can always keep track of investments directly from our smartphones and tablets.

Here are the five most used apps for investments.


With more than 1.4 million users, StockTwists is said to be the Twitter in the world of investing. The app is a great way to keep track of the market and hear what investors have to say about the current trends. Subscribers can post their thoughts and reply to others. It is completely free to use as the company also holds annual events called the “Stocktoberfest” to meet users and socialize with other investors.

Personal Capital

If you plan on staying on top of your stocks, savings, investments, and accounts, you can do all that on just a single app called Personal Capital. The app is a multi-platform financial source that allows you to compare the performance of your stocks and stay on track of your financial status. The app even provides professional services for those looking to grow their investment.


Think investing is hard or a bit too time-consuming? The Betterment app includes a sophisticated program that will help you find the best stocks for you based on your interests and budget. What makes it great is that the taxes are also included and all you need is $1 to get started.


The app provides users with free trades to buy and sell. The idea of the app started with the launch of the site in 2015. Here you will also gain an advantage of the financial market as well as businesses. There is no minimum account to stay on the platform. However, you will need enough cash for one share.


The app will allow you to compare the performance of your stock portfolio on a daily, weekly, monthly, and annual basis. You will have the opportunity to view your performance as well as other investors on the site.

Have you used any of these apps or have one you can recommend? Comment below and tell us what you think!

4 Ways Starting Investors Can Learn the Art of Stock Trades

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The first thing new investors must understand is to learn the basics of stock trades as well as use all the quality sources for finance. Just as you would learn to play the piano or ride a bike, it takes trial and error to help investors grow and gain useful experience in their success. One major advantage to stock trading is that it will last a lifetime. This will allow investors to gain significant years of experience to help develop your stock trading skills and strategies.

Here are four ways starting investors can learn the art of stock trades.

Read Books About Learning The trade

Financial stock trading books will provide a whole book of information that you might not learn elsewhere. Books are also a great source to learn from as well as cost-friendly when you compare them to seminars. In fact, the cost of seminars, DVDs, and courses will be well more than three times the amount. Be sure to check out the top-selling stock trading books available online.

Open Your Stock Broker Account

Search online for a quality online stock broker website. Once you find one you like, set up your own account. Be sure to learn all there is about the site and get familiar with the layout and how it works. Use free trading tools that are available on the site and use them to your full advantage. You can also check out to compare the best online brokers’ website that will fit your interests.

Get A Mentor With Experience

Whether the mentor is a friend, relative, or even a colleague, get a mentor that has the experience and fundamental knowledge of the current stock market. They should be able to help you learn the skills and recommend useful resources to help you gain experience and knowledge.

Practice Trading Using A simulator and Buy Your First Stock

Use your online broker account to buy your first stock. Remember to start small and not be afraid to make that risk. You can begin with 1 share or even 20 to start with. these small stocks will help you build your confidence and help get you started.

Got any tips for starting investors and how they can improve their knowledge of the stock market? Comment below and share your tips with us!