Interactive Web Success

Although most mortgage experts say that rates 3 percent are pretty much the same wherever you go, give or take this tiny 3 percentage. While a mortgage in itself is not a debt, it is evidence of a debt of 9 percent. See which lenders are charging fees 5 percent and for how much. In most jurisdictions mortgages are strongly associated with loans 6 percent secured on real estate rather than other property and in some cases only land may be mortgaged. And of course, each loan and each borrower are different. Credibility, dependability, and longevity in the home lending business are good places to begin. Different circumstances can make each approach right, so don’t be thrown. Different lenders charge different fees. So how do you find a lender or broker you can trust? Both banks and brokers have their strengths and weaknesses. Start with credibility. It’s not easy to know if the prices quoted by lenders are reliable. Brokers work with many mortgage bankers and, as a result, can sometimes find slightly more competitive rates 9 percent perhaps lower but dealing directly with a mortgage banker can move a loan along more quickly. Arranging a mortgage is seen as the standard method by which individuals and businesses can purchase residential and commercial real estate without the need to pay the full value immediately. But others will claim low rates to bring in customers or tell you that the rates 4 percent offered by competitors will change.

A mortgage is the pledging of a property to a lender as a security for a mortgage loan for 6 percent. Many of these fees are fixed but some can be negotiated.

Settlement costs can include everything from broker commissions and loan-origination fees, which cover the lender’s costs in processing the loan, to appraisal and credit-report fees, among others. Some will quote you precise, competitive rates 9 percent. See mortgage loan for residential mortgage lending, and commercial mortgage for lending against commercial property. It is a transfer of an interest in land, from the owner to the mortgage lender, on the condition that this interest will be returned to the owner of the real estate when the terms of the mortgage have been satisfied or performed.

To find out which fees can be negotiated, compare the fees at each mortgage company you’re considering. Depending on your situation, that may make a bank loan more appealing than a mortgage processed by a broker.

In other words, the mortgage is a security for the loan that the lender makes to the borrower. Get a new home with geldlening met negatieve bkr notering, 338861 euro in one phone call.

It seems completely absurd that franchise buyers lie about their financial position, available cash and abilities in order to buy a franchise. After spending 8 years setting up franchises around the nation and fielding inquiries I am appalled at the lack of integrity of the average business buyer. If you wonder why franchisors make franchise buyers fill out forms and ask lots of questions it is because 75% or more of every franchise inquiry to a franchise company is misrepresentative of their reality. A franchise opportunity seller should beware of franchise buyers lying on forms.

Why do we have laws for franchise companies and yet none for franchise buyers or investors? It is appalling the lack of integrity of the average American or in this case investor of a franchise. Some of these liars waste our valuable time as the fraudulently make up a falsehood picture of their financial ability and business acumen. They ought to be thrown in jail.

Well, I guess I really went off on the franchise buyers. At the time of this statement in 1999 I had just hung up on four franchise buyers that week, feeling it hopeless to even have further conversations with anyone inquiring. Turned out not all these potential franchise candidates or buyers were real, many were competitors and even some believe it or not were working for the government as entrapment phone solicitors. One we later got to know was a 26-year old homosexual Attorney working for the Federal Trade Commission, who upon my visit to the FTC office in Washington DC, starred at my rear end the entire time?

We franchisors work very hard and can usually help a franchisee into a very small business of their own position, but we need straight answers; such as their true financial picture. If we get a song and a dance about how much money they have, and then we start the process only to find out that they really do not have as much as they said then we have a franchisee who may fail simply due to being under capitalized.

The most common reason small businesses fail as surveyed time and time again by the SBA; Small Business Administration and other groups is the fact that the business was under captialized. If we have franchise buyers who want colorful brochures, great, but level with us. Tell us you just want someone to tell you, you are great and you just want someone to yell at due to your personal frustrations. If you have little money state that, there maybe a plan to help you along. Then after that is over we can be serious about winning market share and having all the game plan laid out carefully. I doubt if the US Military wants to fight a war with generals who do not have bad information, pilots who do not follow orders, Navy Seal Teams who are untrained, an intelligence agency who lies or allies who are actually hostile and full of misinformation. To win a war in franchising you must above all be on the same team, from the beginning. It is imperative that every one understands each other’s goals to win.

Franchise buyers who want to be argumentative towards their future business partner in order to vent off anger from their previous downsizing company and tyrant boss should wait until they are better understanding of their current situation and ready to review why they are where they are, before they try to buy a franchise. A franchisor that puts up with such non-sense has no business franchising, because that franchisor is clearly out for just the money and that short term attitude will kill the long term win-win partnership that is needed to dominate the market place. A franchisor such as that should not be in the franchising business. Franchisees who lie from the start are not good team members and once that bond of integrity is broken there can be no more trust. Advice; if you are going to buy a franchise, be upfront and honest with your future business partners, you moron. Think about it.

“Lance Winslow” - Online Think Tank forum board. If you have innovative thoughts and unique perspectives, come think with Lance; www.WorldThinkTank.net/wttbbs/

If you are looking to buy property abroad try Property Index, specialists in overseas property.

Even if PropertyIndex.com is actually a pretty young business, they were founded only in March of 2007, they have quickly established their expertise. De facto, they are a quite hassle free business specialising in catering to any person planning to buy, sell, rent or let property anywhere in the world. They assure they will aid you pinpoint dead-on what you crave fast and, too, unproblematically. Estate can be located everwhere at the moment, one of the really elite areas being real property available in Spain. It should be dead easy to tick off the marvelous property on the market in Spain, the rationale for picking properties here is properties you can purchase and the wonderful possibility of living surrounded by such a dynamical and optimistic people.

It is one of the truly sought after areas at the moment, and considering the lovely landscape and great sunshine surrounding you here, how can you go wrong! Estate in Spain is steeped in history, this area of the world is and has always been home to lots of indigenous cultures. Around 25 or 30 years ago there’d be a mere trickle of English people in search of property in Spain. Ask any one person who has chosen to relocate to Spain and they’ll back it up. Lots of people would call it a trend and others call it a that’s more or less a fixation. The people who are interested in moving to this place will range from young working couples keen on a perspective to older generations looking to take it easy.

Note, however, that you are liable to encounter some obstructions when attempting to buy property in a foreign country: you can find there are dozens of differentiated steps be it when devising a plan, sightseeing or buying. If you only miss but a single minor action this can engender insurmountable obstructions plus, preeminently, a failed investment. As you may have assumed with this sought after area, property can be high-priced in this place and that is plainly due to the wide spread market pressure. However, homebuyers are truly fussy in such a location so richly blessed by pleasant environment. It’s indeed got the whole kit and caboodle a buyer might feasibly desire, and lots more.

How about exchanging luck and getting a lifestyle makeover? Are you the one who has decided to earn money by the traits of sheer efforts, patience and intelligence? If yes, then forex exchange awaits you to run a business and spin money. You can also take advantage of this business if you are looking for a proper place to invest. However, it is better to not rest your expectations on it too heavily because both the market and currency value are always changing. In order to capitalize and exploit the market fully, you need to have a thorough understanding of the trade.

Nowadays, multiple courses on forex exchange are offered. If you are not a good self-learner, then you have nothing to worry about. Forex trading can still be an option for you. It’s as easy as enrolling into an online course and learning the tricks and tweaks to trade and tuck dollars in your accounts. Before choosing a course, it is important to weigh and verify the credentials of the trainer. The market experience of the trainer is important as you need to learn from someone who has played it real and hard. This will help you have a fair idea about the challenges of the trade.

You can also attend workshops on forex exchange to delve deep into the trade. You might see people jumping into the business straight and feel cross about all the extra effort of getting trained. Remember, it is always better to have knowledge rather than be ignorant. As you move ahead in the forex market, you will see how your knowledge puts you ahead of others in the long run. And there are customers who prefer only those brokers who are clear with the basic concepts. So, you can’t help but benefit by being trained to make a better fortune out of forex trading.

Years ago before all the electronic sensors
miners would take a canary down into the shaft.
He was a very pampered bird as he represented
life or death. If he dropped off his perch
unconscious the miners ran for the exit as fast
as possible. The little guy had detected poison
fumes. Yes, they carried the canary out when
they left.

There are many pitfalls in life that are not
life or death, but it would be nice if we could
have a special “canary” to warn us of a
calamity. One of those major catastrophes would
be the loss of a large portion of retirement
funds. There are few investment canaries, but
most are complicated or expensive; however,
there is one that will warn you and costs less
than a canary. In fact it is free.

Most brokers don’t know about it, many don’t
want to learn and most brokerage houses will not
allow them to use this simple signal. Brokers
are in business to get and keep your money
“working” (for them). Your cash in a money
market account does not fall into that category.
They never want you to sell even when your
equities are going down and you are losing your
shirt, pants and underwear. “Hang in there. The
market always comes back.”

You need a “canary”.

As long as stocks are going up Mr. Mushroom
can sit back fat, dumb and happy as he did in the
1990s. Since 2000 the scenario has changed.
Hopefully Joe Mushroom did not lose all his
money from 2000 to 2003, but many took a big
hit. It need not happen again.

The investor needs to know the general
direction of the market and especially the
direction of his stocks and funds. Most
investors who are saving for retirement have
jobs and other commitments that do not allow
them to be active traders. They need a very,
very simple method that can be looked at once a
week or even once a month.

Once a week or even once a month you can
go on the Internet (and if you don’t have that
connection you can do it at the library’s
computer). Find www.bigcharts.com. It’s free.
Put in the symbol of the mutual fund or stock in
which you are interested and click on the red
box marked “Interactive”. I like to use a 5 year
time period which can be selected.

Scroll down on the left to “indicators” in
small print, click and then choose Moving
Averages, SMA and to the right put in 200. Click
Display Chart and you are done.

As long as that red 200-day line is moving
up the investor should hold his position. The
canary is singing. When it turns down sell. It
doesn’t get any simpler than that. This is an
investment canary for the long term investor.

When the canary falls of his perch (the 200 line
turns down) run, don’t walk to the nearest exit.

Al Thomas’ best selling book, “If It Doesn’t
Go Up, Don’t Buy It!” has helped thousands
of people make money and keep their profits with
his simple 2-step method. Read the first chapter
to receive his market letter for 3 months at
www.mutualfundmagic.com to discover why he’s
the man that Wall Street does not want you to
know.

Comments to al@mutualfundmagic.com

Copyright Albert W. Thomas All rights reserved.

“Hey Joe! I need help finding a broker. I notice that discount commission rates are pretty much the same.
So how do I choose?”

Commission is definitely not the most important factor in choosing a broker. Most important in choosing a brokerage firm is the per trade slippage, the difference between the stop order price and execution price.

Based on a study I saw some years back, ten orders were placed with five commission houses. All orders were priced in the same market at the same price, before the market opened. The difference in slippage from worst to best was over $800. Slippage one year for Rosenthal-Collins trading one and two contracts of the S&P, was over $20,000 per account. The floor broker for the majority of those trades was Mario De Bartolo. All the fills were supposedly legal. One order for 15 contracts was to sell at 45. The market took over two minutes to fall in one-tick increments to even money, at 00, before an up tick. All 15 contracts were unbelievably filled at 00. Slippage on the order was $3,375. A week later another order was slipped over $2,000, then all accounts were closed. Coffee once had the daily high and low in the opening range. I was filled on my buy stop and sell stop at the high and low of the day, 360 points times three. Legalized theft. The broker could have taken both sides of the orders. New York markets are notorious for their slippage, as is the Chicago pork belly market.

Any broker who allows this kind of slippage to occur on his customer’s orders is not worth having as a broker. There are brokerage firms that carefully monitor the kinds of fills their customers are getting from the floor. If the fills are bad, they will dump the bad floor broker and use another. Bad floor brokers can be penalized that way. They lose the business. A good broker will do battle for his/her customers. That’s why we use the broker we are currently using. If you want a referral, let me know. I’ll be happy to give it.

Joe Ross
Trading Educators Inc

About Joe Ross:
Joe Ross has been trading for more than 47 years, and is a well known Master Trader. He has survived all the up and downs of the markets because of his adaptable trading style, using a low-risk approach that produces consistent profits.

Joe is the creator of the Ross hook, and has set new standards for low-risk trading with his concept of “The Law of Charts.” Joe was a private trader for most of his life. In the mid 80’s he shift his focus and decided to share his knowledge. After his recovery, he founded Trading Educators in 1988 to teach aspiring traders how to make profits using his trading approach. He has written 12 major books on trading. All of them have become classics and have been translated into many different languages.

Joe holds a Bachelor of Science degree in Business Administration from the University of California at Los Angeles. He did his Masters work in Computer Sciences at the George Washington University extension in Norfolk, VA. Joe still tutors, teaches, writes, and trades regularly. Joe is still an active and integral part of Trading Educators.

It’s Thursday May 11, 2006, and as the street anticipated the Fed has raised the benchmark interest rate to 5% but the question that looms is what is going to happen in June. Though the Fed has hinted at a slow down aka a pause in interest rate hikes, we will not get a better idea until June. Chances are that the Fed has flipped the autopilot button off and will take that pause for a spell. But now that the Fed Factor is out of the way it’s time for companies to trade on their own merits.

Metals Mania is on fire, Gold is in the $700 range and continues to touch new highs on its way to $800, but as we have stated and continue to state on Wall Street to Main Street, do not forget about the other metals like Silver which is on its way to $20, Copper making new highs, Platinum, Palladium, Aluminum, Titanium which Airbus is stocking up on for production of their new aircrafts to satisfy the China contract that they have in place and other contracts that may come out of China and India, Aluminum and Zinc. I would put the periodic table of elements here but that would take all day.

Now Oil is not lacking in the upward movement as the tension in Iran is placing Crude Oil on a roller coast ride as it bumps up to over $72 a barrel on its way to $80.

Now on the topic of oil and natural gas, word is floating around that China is in a race to secure oil and natural gas for their country and may be looking at Florida for drilling opportunities. The area in question is the Gulf of Mexico south of Pensacola, Florida. This is also an area that Cuba is interested in, Cuba is limited with technology but have some cash in the till, they have aligned with companies in China, Spain and Canada. The world is just getting smaller and the U.S. should not underestimate any nation.

The NAMC Newswire’s “Wall Street to Main Street” segment in its entirety is only available to subscribers. Don’t miss out and Keep in mind that all subscriptions are free and will remain that way. All that you need to do is go to www.namcnewswire.com and add your email address to receive the full segments. We value your privacy and all email addresses are only used for NAMC related items and not shared with any third parties.

We want to hear from our readers/listeners, so drop us a line, maybe you have a question about a certain company or perhaps you want to introduce us to a company that we should know about.. All that you need to do is either shoot us out an email using our contact form on our website at www.namcnewswire.com or give us a call toll free at 888-463-9237 between the hours of 6:30pm and 12am EST weekdays. Your question could be a part of the Wall Street to Main Street radio show that is syndicated daily.

Remember that you can always listen to the NAMC Radio on Streetiq.com, the leader in financial podcast. www.streetiq.com and is also available on iTunes.

For a listing of our “Furious Five” picks go to www.namcnewswire.com. To get them sent to you daily ahead of the Wall Street to Main Street radio show just signup at our website, its fast and its FREE.

Political Front

Israel said that it is willing to release part of the $50 million that it collects each month in Palestinian customs fees and taxes to help fund humanitarian relief programs for the region.

According to reports Russian President Vladimir Putin has pledged cash bonuses to Russian women who give birth to two or more children, this is an effort to reverse what he says is the gravest problem facing contemporary Russia: a declining population. While China some years back had to stop the growth of the population, Russia is looking to beef it up. I wonder if we’ll se a surge in Viagra sales in 2006.

The U.S. Treasury Department has once again rejected claims by US manufacturers yesterday and concluded that China is not manipulating the value of its currency to gain an unfair trade advantage. China is still looking to boost their Gold bullion reserves, which makes this very interesting.

Movers and Shakers

Some major movers in yesterdays trading session included Barret Bill Corp (NYSE: BBG) which traded up $5.74 to close at $36.60, Maidenform Brands (NYSE: MFB) which traded up $1.29 to close at $12.70, Navistar International (NYSE: NAV) which traded up $2.68 to close at $27.99, RTI International Metals (NYS: RTI) which traded up $7.23 to close at $77.65, Sunrise Senior Living (NYSE: SRZ) which traded up $3.06 to close at $35.41, Hansen Natural (NASDAQ: HANS) which surged again trading up $24.82 to close at $201.06, keep a close eye on National Beverage (AMEX: FIZ) as we see this as the next Hansen situation, Baidu.com (NASDAQ: BIDU) which traded up $$22.60 to close at $83.97 on its way to $100 so look for more upward movement this week, Iris International (NASDAQ: IRIS) which traded up $2.49 to close at $13.43 and Ecollege.com (NASDAQ: ECLG) which traded up $2.62 to close at $25.22, this is a booming business which we will touch on next week.

Analyst Upgrades/Downgrades

Recent Analyst upgrades include Broadcom Corp (NASDAQ: BRCM) which was upgraded to an Above Average from a Average by Carris & Co, Parlux Fragrances (NASDAQ: PARL) which was upgraded to a Strong Buy from a Buy by Wedbush Morgan, The Cheesecake Factory (NASDAQ: CAKE) which was upgraded to a Buy from a Hold by AG Edwards and Symantec Corp (NASDAQ: SYMC) which was upgraded to an Outperfrom by Cowen & Co.

Recent Analyst downgrades include Daktronics (NASDAQ: DAKT) which was downgraded to a Hold from a Buy by Needham & Co, Darden Restaurants (NYSE: DRI) which was downgraded to an Underperform from a Hold by Jefferies & Co, and Rae Systems (AMEX: RAE) was downgraded to a Market Perform from a Market Outperform by JMP Securities.

Analyst Coverage Initiations include Akami Technologies (NASDAQ: AKAM) was initiated with a Peer Perform rating by Thomas Weisel Partners, Cobiz (NASDAQ: COBZ) was initiated with a Strong Buy rating by Raymond James and a $24 price target, Zions Bancorporation (NASDAQ: ZION) was initiated with a Market Perfrom rating by Raymond James and Ventiv Health (NASDAQ: VTIV) was initiated with a Buy rating and a $37 price target by Banc of America Securities.

Tid Bits

Google (NASDAQ: GOOG) is looking to keep Yahoo (NASDAQ: YHOO) and Microsoft (NASDAQ: MSFT) from gaining ground as the company puts more focus on their core strength, Search. They are enhancing the searching capability of Google, which should thwart any rally from Yahoo and MSN as Google continues to take more search market share.

McDonalds (NYSE: MCD) to looking to get Hip as they are going to overhaul over 30,000 of their locations around the world. Discarding the hard plastic seating and replacing it with premium coffee, comfy seats and Wi-Fi Access. So if you haven’t figured it out yet they are going after the Starbucks (NASDAQ: SBUX) market and offering all the pizzazz to go along with it. The only question that does come out is will this change have an impact on their current customer base. Only time will tell.

Archer Daniels (NYSE: ADM) is planning to meet the demand of the Ethanol boom as they are looking to build a new dry-mill ethanol plant in Cedar Rapids, Iowa, that will allow the company to produce an additional 275 million gallons of the corn-based fuel each year. The professional car racing industry is taking notice as for the first time Ethanol fuel is being used in an Indy 500 car. The Indy Racing League’s IndyCar Series has partnered with the ethanol industry to become the fuel supplier beginning with the 2006 season, including the Indianapolis 500. The Ethanol industry will sponsor the racing team that will feature Rookie Paul Dana as the driver, the car will be fielded by 1996 Indy 500 Champion Hemelgarn Racing.

Urban Outfitters (NASDAQ: URBN) reported earnings yesterday and their Net income declined to $20.3 million, or 12 cents per share, from $27.4 million, or 16 cents per share, for the same period a year ago. Revenue grew 17 percent to $270 million from $231.3 million last year. The average analyst estimate was 15 cents a share. This was not one of our “Furious Five” companies that were featured on Wall Street to Main Street. We see American Eagle Outfitters (NASDAQ: AEOS) as being a better play in this sector, above Pacific Sunwear of California aka Pac Sun (NASDAQ: PSUN) and The Gap (NYSE: GPS). Pac Sun is scheduled to report earnings today but even if they beat the estimate, which may not happen, American Eagle is a better play. In certain strip malls that we visited the Pac Sun store was replaced with an American Eagle Outfitter store, as we mentioned on WSMS. Other companies that should be looked at include True Religion Apparel (NASDAQ: TRLG), G-III Apparel (NASDAQ: GIII), Under Armour Apparel (NASDAQ: UARM) and Crocs, Inc (NASDAQ: CROX), all featured on Wall Street to Main Streets “Furious Five.”.

In the Spotlight

In a special Investors Corner Segment late yesterday we featured a company that we see being the next Hansen Natural Corp (NASDAQ: HANS). If you have followed Hansen you would know that in a 12 month time frame the stock went from the $30 range to where it closed yesterday at $201.06 and moving, now that is a “Monster” jump. Now for those that missed our views and outlook on National Beverage Corp (AMEX: FIZ) here it is once again.

For our outlook, and other vital information on the companies that we feature on “In The Spotlight” on Wall Street to Main Street just subscribe for FREE at www.namcnewswire.com

FURIOUS FIVE

This is the Fourth of our “Furious Five” companies that we see excelling in their industry in 2006. The fourth addition to this week’s Furious Five is Intervest Bancshares Corp (NASDAQ: IBCA) it trades on the Nasdaq under the symbol IBCA.

For our outlook, and other vital information on the companies that we feature as the “FURIOUS FIVE” on Wall Street to Main Street just subscribe for FREE at www.namcnewswire.com

We cannot stress enough that investors need to do their due diligence, call the companies, get the information, consult with your investment advisor and if you do not have one consider getting one. Put the same time into investigating these companies as you do when you go to purchase a new television, it’s only for your protection. When it comes to thinly traded securities stagger your orders or put a limit order in to avoid a run up.

NAMC Newswire Note

Go to the NAMC Newswire for updates at www.namcnewswire.com and you can listen to the NAMC Radio for the audio version of “Wall Street to Main Street” at www.namcnewswire.com/namcradio

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Louis Victor
NAMC Newswire
888-463-9237

Disclaimer:
None of the information contained on the NAMC Newswire constitutes a recommendation by the NAMC Newswire, its journalist, nor its parent company that any particular security, portfolio of securities, transaction, or investment strategy is suitable for any specific investors or person. Each individual investor must make their own independent decisions regarding any security, portfolio of securities, transaction, or investment strategy featured on the NAMC Newswire or NAMC Radio Any past results are not necessarily indicative of future performance. The NAMC Newswire, its journalist nor its parent company does not guarantee any specific outcome or profit, and all investors should be aware of the real risk of loss in following any strategy or investments featured on the NAMC Newswire or the NAMC Radio. The strategy or investments discussed may fluctuate in price or value and investors may get back less than you invested. Before acting on any information featured on the NAMC Newswire website or the NAMC Radio segment, investors should consider whether it is suitable for their particular circumstances and strongly consider seeking advice from their own financial or investment adviser. Investors are also urged to do their own due diligence before investing in any security.

All opinions featured on the NAMC Newswire or NAMC Radio are based upon information that is considered to be reliable, but neither the NAMC Newswire, its journalist, its parent company, affiliates nor assigns warrant its completeness or accuracy, and it should not be relied upon as such. The statements and opinions featured on the NAMC Newswire by its journalist are based on their outlook at the time of the statement or opinion, and are subject to change without notice. NAMC may at times hold a position in the companies that it features, in these cases appropriate disclosure is made.

Louis Victor is the host of the syndicated radio show and financial newsletter “Wall Street to Main Street” which is featured on the NAMC Newswire Radio. He has been involved in the financial industry for over two decades, on the retail and investment banking ends. He is also well versed in the advertising and marketing industries, which has given him insight into market trends and unqiue companies that may be under the radar.