How to Be Profitable in the Stock Market

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Saving money is great, but eventually you may want to grow your assets more aggressively. The stock market is one of the best places to make significant profit off your existing capital. Some people shy away from it due to fear of uncertainty, but if you can live and function within that ambiguity, you can truly build your wealth.

Before you invest, though, there are some key concepts you will want to learn to increase your chances of success.

Understand Technical and Fundamental Analysis

There are two main ways to vet a potential company for investment: technical and fundamental analysis. Technical analysis means learning how to read stock market charts to identify trends and give you a better idea of when you should enter or exit your positions.

Fundamental analysis focuses on ways to address the underlying value of a particular company’s stock. This approach takes into account things like a company’s financial standing, the wider economic environment in that industry, and the strength of the management team. Using these factors, traders and investors compare the current price of a stock to their valuation of it to determine if the stock is over or undervalued.

These two methods combined allow traders and investors to analyze a particular stock and try to time optimal entry and exit times for maximum profit.

Timing the Market

Picking the best time to buy or sell is one of the most challenging parts of trading and investing. You can choose a great company with spectacular fundamentals, but if you buy when their stocks are at all-time high prices, you are still likely to lose money when the stock consolidates, or evens out. 




Some ways to gauge the market for entry and exit points are by using technical analysis, being vigilant before and after annual earning reports come out, staying a step ahead of major news announcements that can impact price, and by properly evaluating assets for over and undervaluation.

No one can win all the time, so don’t get too discouraged if you don’t perfectly time the market.

Learn, Learn, Learn

There is no such thing as a perfect trader, but don’t be one who simply wings it either. Constantly improve your skills and deepen your information about your target markets. There are troves of great information on the web, so stay curious and be proactive about maximizing your knowledge base.

A proprietary trading firm like Maverick Trading even hires and trains inexperienced traders. If you are very serious about trading, learning from industry experts can really speed up the learning process.

Don’t Compound Your Mistakes

Sometimes when you are playing the market, you are going to make the wrong choice. Maybe you set your stop limit too high, the stock price dipped, and then your order sold right before the stock went on a big run. Now you’re upset because the stock gained 30%, and you want back in. Then you buy it back, and the price swings back down. Now not only did you miss out on the bump, you also lost money on the dip. These mistakes can be infuriating.

Emotions are one of your biggest enemies in trading. You don’t want to make moves based on your emotional state, which can be hard when you have major money on the line. Instead of trading on emotions, develop personal trading principles that you stick to regardless of the situation. By creating these principles, you can follow best practices rather than the wind of emotion.

The major theme here is that information is power. If you want to trade, don’t just shoot in the dark and hope for the best. Trades aren’t won on hope, they are won with knowledge.

About the author: Anthony M. Christensen is a writer, digital marketer, and owner of Astronautical LLC. He earned a BS in English at Utah Valley University. He loves art and wandering the mountains and deserts of his native state, Utah. Connect with him on LinkedIn.

3 Things You Should Know about the Cost of a Lawsuit

There are many factors to consider as you decide whether or not to file a lawsuit against another party. Regardless of the type of case that you are thinking about pursuing in court, you must understand the potential costs of a lawsuit before you finalize your plans. While requesting an estimate for legal fees from your lawyer is a critical step to take, there are a few other things that you need to know about legal fees.

Different Legal Fee Structures

Each law firm or independent lawyer has a different fee structure. Some will only collect a fee if they win your case, and the fee may be a percentage of the award. Others will collect an up-front fee based on their time and energy spent on your case regardless of whether they win or not. 

Some will collect this fee with monthly billing statements as an alternative. There are also various hybrid variations that combine these fee structures together. Because fee structures vary dramatically, you should carefully assess the structures from several experienced attorneys before you make a decision about representation.

Rates Vary Dramatically

Likewise, rates for these various fee structures vary. A higher rate does not always mean that you will receive better service or enjoy a more favorable outcome. Many people worry about having to pay expensive legal fees out of their own pocket, and they may be inclined to find the rock-bottom lowest rate available. 




Understand that lawsuit funding is available. After learning about the lawsuit funding process, you may decide that this is an effective way to pay for legal fees upfront and obtain the services of the most experienced lawyer in your areas. 

Don’t forget to look on legal websites for information that can help you out. For example, if you had questions about settlement loans, you can learn about it here.

Judgments May Not Be Paid Promptly

You may assume that you can pay for legal fees after a judgment has been awarded, and your lawyer may tell you that you have a very solid case with a strong likelihood of having a favorable outcome. However, some people may not pay a judgment in a timely manner. 

An outstanding judgment typically will show up on the individual’s credit report as an outstanding debt, and this may interfere with is or her ability to obtain financing until the debt is paid to you. However, it still may be months or years until you receive a dime from the court case.

Legal fees can seem prohibitive, and you may consider not filing a case because of them. However, with multiple fee structures available and with legal fee funding available, there is no reason not to pursue justice with a lawsuit.

Finances and Funds: How Smart Families Insure a Secure Future

Being financially responsible can sometimes feel as though it means that you can’t have any fun. Curbing your spending habits doesn’t mean that you need to miss out on the important things in life. Here are some techniques to ensure a secure financial future for your family.

Live within Your Means

Creating a budget will help you to live within your means. You know how much income is coming into your home, but you may not be aware of how much is going out. Taking a hard look at your monthly bills is the first place to start. 

There may be places that you can work to save some money. Evaluate the services that you’re receiving and determine if you can qualify for any discount programs. Many companies will offer you incentives in order to stay with your service provider.

Obtain Adequate Insurance

Insurance may seem like a waste of money until you really need. This includes health insurance, home owners insurance, and car insurance. Something terrible could occur and you would be on the hook for all of the bills that were associated with it. 


Start by getting several quotes so that you can find an insurance plan that will fit within your budgetary restraints. For example, getting an auto insurance quote from several different companies may vary widely in the price range that’s available to you.

Watch Your Expenditures

You have your set monthly expenses which include things like your bills, but there are also other expenditures that can start to add up. For example, dining out and entertainment costs can blow your budget if you don’t keep an eye on them. 

Set a limit on how much you can spend in these areas. There are always free forms of entertainment available for families that could help you to get out of the house without having to break the bank.

Save Each Month

Setting monthly saving goals will help to secure your financial future. This can be more difficult when you’re first starting out because you’re used to spending more each month on other items. 

Slowly scale back so that you don’t feel as though you’re having to make large sacrifices. For example, setting a goal of twenty dollars a week is more doable than trying to save it all at the end of each month. This money could come from giving up going out to coffee each day.

Being smarter about your money starts by examining your spending habits. Use these guidelines so that you can secure your family’s finances.

How to Apply for a Credit Card: Need to Follow These 5 Quick Steps

Credit cards are fast becoming one of the most preferred types of plastic currency in India. Between January 2017 and January 2018, almost 7.39 million new credit cards were issued, pushing the number of total cards in circulation to 36.24 million. This sharp rise is thanks to the host of benefits cards available today, along with an easy to meet credit card eligibility criteria.

Many financial institutions also accept online application for credit cards, which helps save time and hassle of extensive paperwork. You only have to follow some quick steps to apply for a credit card.

5 quick steps to easily apply for a credit card

Know your eligibility –

A borrower has to meet some specific credit card eligibility criteria for application. Various factors like age, income, credit score, etc. play a crucial role in determining whether a lender will sanction a card or not. Although it varies between the financial institutions, following are some of the standard requirements.

• Age – Your age must be between 25 to 65 years.
• Credit history – You should have a good credit history to apply for a credit card. A defaulter will be treated as a risky borrower, and the lender might not grant the application.
• Credit score – Most financial institutions require a minimum credit score of 750 to issue a credit card.

These are some of the general credit card eligibility criteria that you have to meet. Other than this, you must be an Indian residence and a salaried or self-employed professional.

Search for a suitable lender

The next step to apply for a credit card online should be a thorough search to find a lender that suits your requirements. You should pick a financial institution which offers the maximum set of varying benefits and features. You should also look at various loyalty programs before zeroing-in on one credit card provider.

After you define your requirements, check the details of a credit card plan. Remember to check the following –

• Joining and annual fees.
• Welcome bonus and reward programs.
• Complimentary features.
• Acceptance with various merchants and point-of-sale outlets.

You should also consider the different types of credit cards that a financial organisation has to offer. For example, Bajaj Finserv RBL Bank SuperCard has 6 variants that you can choose from- Platinum Choice SuperCard, Platinum Choice First Year Free SuperCard, Platinum Plus SuperCard, Platinum Plus First Year Free SuperCard, World Prime SuperCard and World Plus SuperCard. These different variants come with somewhat different benefits to better suit your unique requirements.




SuperCard brings the features of 4 different cards in one. It is a credit card, cash card, EMI card, and a loan card, packed in a single package. You can enjoy several industry-first features with this card.

Bajaj Finserv also has pre-approved offers for credit cards, personal loans, home loans, business loans, and a range of financial products and services. These offers help you save time by simplifying the process of financing. You only have to provide some necessary details online to check your pre-approved offer.

Collect the necessary documents

After you select a lender, contact them for further information on what you will need to apply for a credit card. You can also check their website to know how to apply for a credit card online. Every financial institution will also have a list of documents they require to approve an application. Here are some of the most common and essential documents.

• Identity proof like passport, driving licence, Voter ID, PAN card, Aadhaar card, etc.
• Address proof. This can include some of the above-mentioned documents and various utility bills including electricity bills, telephone bills, etc.
• Recent passport-sized photograph.

You will have to submit all the required documents at the time of applying for a credit card. A missing paper can void your application.

Online application process

After you meet all credit card eligibility criteria, find a suitable lender who provides with an online application process. Visit their website and fill the application details with the necessary information.

You will have to submit the documents mentioned above. You will get a notification from the lender for updates or follow-ups.

Knowing the status of your application

After your application is accepted, you will find a response on your application and credit card status. These are categorized accordingly –

• Under process – It means that the financial institution is still handling the application.
• Dispatched – After a lender issues a card and sends it to you via post, it will show as dispatched.
• On hold – Any discrepancy in the application process will cause the application to show an on-hold status.

Thanks to the easy to meet credit card eligibility, quick application process, and attractive features and benefits, credit cards are now the preferred mode of cashless transactions in the country. Applying for a credit card is easier. Go ahead with a pending application today.

Author Bio:

Gaurav khanna is an experienced financial advisor, digital marketer and writer who is well known for his ability to predict market trends. You can find Gaurav on Linked

Performance Anxiety? 3 Tools To Guide Your Company Towards Profit

Many businesses struggle to survive for the long term. According to statistics, about 50 percent of companies fail to survive past their fifth year in existence. Numbers like that can certainly be sobering for entrepreneurs. 

Thankfully, if you are a business owner worried about your company’s performance, there are certain tools you can take advantage of to help improve your business’s long term prospects. Below are three.

Business Analytics Software

Technology is one thing that can certainly help steady the ship that is your company so you can stay profitable. One piece of business tech you should consider investing in is business analytics software. There are four general kinds of data analytics you can perform with your business data. 

Descriptive analytics helps you determine what happened with past business performance. Diagnostic analytics helps determine why you performed that way. Predictive analytics helps you predict how your business will perform in the future. Lastly, prescriptive analytics helps to prescribe actions that can be taken to best improve future performance.

Financial Counseling

Many of the largest companies in the world were started by complete amateurs. Steve Jobs, for example, started Apple out of his parents’ garage. It is not expected that new business owners will be experts at all aspects of running a business. This is why it’s a good idea to sometimes get outside help and input from experts. 




You may, for example, require financial counseling to help you create a better plan for getting your company into the black permanently. Something you may find beneficial is a financial bench marking service. Such a service can help you better match standards in your industry used by successful competitors so you can replicate that success in your own company.

A Solid Business Plan

Every business should have a business plan. Despite this, many entrepreneurs operate without one. Just because you may not need to get a loan from a lender to start your business does not mean you should go without a business plan. 

A business plan can be thought of as a blueprint for how you will make a profit from day to day and achieve your company’s long term goals. If you are failing to make a profit, there are issues you may have overlooked that would have been addressed in a solid business plan.

Just because your company is struggling now does not mean you can’t turn around your fortunes. In certain cases, doing so may require investing in the right tools, obtaining outside help or rethinking your overall plans for making a profit. Many successful business owners went through this process. Don’t be disheartened.

How You Benefit from Auto Insurance as a Good Driver

While some drivers repeatedly are ticketed for moving violations and are in accidents every few years or even more frequently, others have not received a ticket in years and may have never been involved in an accident. If you fall into the latter group of drivers, paying a regular auto insurance premium may seem like an unnecessary waste of money. 

In fact, you may have paid auto insurance premiums for years without every filing a claim against your coverage. While auto insurance may seem unnecessary, it actually provides every driver with these benefits.

Legal Compliance

The most basic type of auto coverage is liability auto insurance. Each state has unique minimum auto insurance requirements, but liability coverage is required by law in most areas. Without meeting your state’s minimum requirements, you may not be able to drive legally. While maintaining the minimum amount of coverage required in your state, it may make sense for any driver to purchase additional coverage.

Protection against Financial Loss

Even the safest drivers can be involved in an accident. Bad weather conditions as well as incidents with other drivers who are not quite as skilled behind the wheel can result in tremendous damage as well as medical expenses. You may need coverage to pay for your vehicle repairs as well as medical expenses for yourself or for other people. 

You are required to pay for damages you cause regardless of whether you are insured or not. Insurance provides you with a convenient and affordable way to cover those expenses. Keep in mind that you may still be required to pay off an auto loan even if your car is totaled and must be replaced.

Peace of Mind

While accidents are one cause of automotive loss, theft, bad weather and other issues could also cause loss. A comprehensive policy provides you with peace of mind that your losses from any type of automotive event may be covered. Your safe driving abilities and clean record behind the wheel may qualify you for competitive auto insurance rates, but driving history and skills are not enough to ensure that you will never have a loss.

It makes sense to avoid buying things that are not necessary, but you can see that auto insurance is essential for any driver regardless of your history on the road Because of your great driving history, you may qualify for competitive rates. Shop around to compare rates and to find a great deal on your coverage.