Do Stock Market Cycles Exist

A question that has plagued investors, shareholders and brokers since the dawning of the market, is whether any cycles exist that might help them to predict future activity. Since the time of the Old Testament, business cycles have been documented – but is there any real truth to their existence, and more importantly, do they possess any usefulness?

What is a Cycle?

In its most basic form, a cycle is a chain of events that repeats itself over an estimable time. The outcome need not be identical on each occasion, but events will share many similar characteristics.

One of the most easily understandable examples of how cycles work is the seasons. Each year, summer follows spring, autumn follows summer, and winter follows autumn. We know that this will happen, and we can assign typical behaviors to each quarter, such as colder winters and warmer summers. However, not every summer will be exactly the same, despite each of them being the same phase of the seasonal cycle. Factors such as temperature, rainfall and humidity may all vary to quite a dramatic degree year-on-year.

Why do Cycles Matter?

With regards to the stock market, cycles are highly important. They indicate patterns of behavior that will be repeated, thus offering an insight into how future markets may perform. Longer-term cycles give us an indication of upcoming market trends, whilst short-term cycles can be used to identify strategic entry and exit points from the stock market.

The Kondratieff Cycle

We know that business and economic cycles have been in existence since at least the time of the Old Testament, where a 50-year cycle is referenced.

The most famous economic cycle was identified in the 1920s by Russian economist Nikolai Kondratieff. Kondratieff studied wholesale prices, interest rates, wage levels and production indexes from the period 1780 to 1920, and found a cycle in the western world that lasted between 48 and 60 years.

In his paper, ‘The Long Waves in Economic Life’, he identified five distinct phases:

1.    The First Decade, a recovery period
2.    The Second Decade, a boom period
3.    The Third Decade,  the peak and a transition period
4.    The Fourth Decade, economic collapse
5.    The Fifth Decade, the trough and transition period.

Opinions and statistics suggest that the western world is currently in the Fourth Decade – a period of collapse.

Does a Stock Market Cycle Exist?

There are two primary models on the existence of a stock market cycle. The first is that of Edward R Dewey, who used data stemming from the 1830s onwards in the formulation of his theory. In his book, ‘Cycles’, he proposed that a 9.225-year cycle exists within the stock market, with only a 1 in 5,000 chance that the documented patterns could be down to pure coincidence.

Stock market cycles have also been identified by Veryl L. Dunbar in 1947, who suggested that a 46-month cycle existed, and John Hurst, who identified 12 dominant cycles within the stock market.

For a better understanding of market cycles and how they might influence your investment choices, take a look at this video from Killik & Co.

When it comes to making an investment, it is impossible to predict with 100 per cent accuracy how the market will perform. There will always be risks involved in investing capital in an unknown entity, but do your research, and at the very least you may improve your chances of investing successfully.

How to Avoid Emotions in your Financial Life

As many people are there in the world as many emotions they can express. Different life situations make us react with the whole specter of emotions. Sometimes we are happy, but there can always be some time when you feel completely tired and a depression is coming. Such situations are not good for your life and your organism, as well as for your financial state.

Everyone knows that money does not like emotions, and you always need to be calm dealing with it. Today even some financial services understood this and try to persuade their costumers to take financial decisions in good mood and to prevent such emotions like greed and fear from controlling their thoughts.
The latest research shows that people have some fear that does not let them take right financial decisions. For example people are afraid when prices in the market decrease and they sell all shares. And when the price is the highest they tend to buy shares. So we can see that people do the direct opposite movements due to the fear they have.

The other problem of many people is that they do not even know what they want. They can have some regular necessary things to do, but they do not see the whole picture, they do not have any plans for their life. However if you set some goal and make steps to it, you will receive what you want. Such approach can completely change your life, because you will not just drift in the life stream.

Applying all this to the financial part of our life we must understand our attitude to money and exclude emotions from our budget and other financial occasions. Some services now provide new option that is going to help people make thoughtful decisions being in difficult life situations. According to this option specialists have some plan that helps them to reveal clients necessity and help them to create a good financial plan.
The other financial service that can help people to survive in some emergencies is online service for getting payday loans fast. It will help you to find appropriate lender and set the best terms and conditions especially for you. The service does not charge any fees, so you will benefit in any way.

Specialists in money management now understand that each person needs to have some type of budget and make financial decisions. But not everyone is ready to do this. We just have no corresponding knowledge that is why there are some special services that can help people manage with the finance.

All of us have some really difficult problems, like divorces, death of close person or just missing the job. And all these occasions make us depressed and we really need the professional help in order not to lose money or not to have some debts. And this is a normal situation that is why you should never be afraid or embarrassed to ask for help.

Here I can give some easy steps to lead normal financial life with no emotions involved:

1. You should make a picture of your goal, no matter if it is a new car or visiting Barcelona. In such case your thoughts and desires will help you not just to save money, but also to create a clear understanding of your plans.

2. If you have a partner you should discuss your goals, because they may differ and you do not even guess. Of course you may have independent own plans for life, but if you are going to make a family with this person you should find some golden center that will satisfy both of you.

3. Calculate your spending. You should always know what part of your budget the spending takes and reduce some unnecessary purchases in order to save money.

4. Make a plan of what you want and what you need to do to fulfill your dreams. This will help you to see the reality.

5. You may talk with your friends about your goals. They will support you and you will be sure to start acting. But you should remember that friends have their own lives, and you can listen to them, but make your own decisions.

What Exactly Is A Bridge Loan

If you are looking for extra cash to help with a personal financial need or the financial need of a company you might be interested in learning more about a bridge loan.

What Is a Bridge Loan

There are many common definitions of a bridge loan. However the most common definition is that it is a short-term loan to be used to meet a current financial need. This is not to be used for a future financial need. A bridge loan can be taken out by a person or a business that can be used until a more permanent financing solution can be put into place. It is called a bridge loan because it bridges the time period gap from when the financing is needed until the time that the permanent financing is in place. Bridge loans are also known as interim financing or gap financing.

The repayment terms of a short-term bridge loan can last for up to one year but usually not any longer. And can be much more expensive than a conventional loan. The interest rates are typically very high even if the loan is secured with some type of collateral. However if you are in need of cash quickly these bridge loans $1000 can be arranged quickly and usually without any hassles.

Why Would You Need A Bridge Loan

There can be a number of reasons why but it is basically used as a type of financing that is temporary for business professionals or even an individual. This temporary financing is used until a permanent source of financing is put into place.

An example of when a bridge loan might be used is when you want to purchase a home. The bridge loan can be used when you find a house but you still have to sell the home you currently have. The bridge loan can help “bridge” the gap between time periods so that you do not lose out on the house of your dreams. This loan will not last forever but will help to get you the house you want to purchase while your current house is still for sale.
Another example of using a bridge loan is when a developer wants to carry on a project during the time the project is being approved. Because the banks typically will not give real estate loans because of the risk involved you might need to involve a bridge loan to start on the project while you are working on other types of financing.


If a bridge loan sounds like the loan that will be suit your financial needs or the financial needs of your business you will want to research not only the lenders but what kind of interest rates and repayment programs that will be involved. All lenders will involve a different process but if you research you will know exactly what the loan involves ahead of time and there will be no surprises in the end.

Could You be Successful as a Stock Broker

Trying to predict the market is a tough job. And with the existence of online brokers like Fidelity or Etrade, it’s not just limited to a select group of people anymore. Everyone and their grandma’ is jumping on board. Sometimes you get lucky, but mostly people who are successful have researched the companies they invest in and have developed sound strategies like portfolio diversification, buying and holding and so on.

If you’ve dabbled in the stock market for a little while and have seen some success, is it possible that you might be able to accumulate more wealth faster if you’re full-time job were evaluating securities?

The truth is, as long as you have a solid work ethic and follow good principles, you can be successful as a stock broker. Just look at Chris Gardner, the homeless stock broker who worked at Bear Stearns & Company with full custody of his child. He would consistently make at least 200 calls a day until he eventually passed the licensing exam on his first attempt. This allowed him to finally be a full-time employee of the firm. He now has a networth of about $60 million.

To know whether you’d be good as a stock broker, it’s important to answer these questions:

  • Can you assess risk accurately
  • Do you believe you can sell a security or financial product to a client
  • Are you good with your own finances?

These are basic questions that can serve as a starting point when trying to determine your qualification to becoming a stock broker.

How do Stock Broker’s get Paid?

Depending on the firm and location, a stock broker salary can range in value. For example, some brokerage firms pay commissions plus salary while other simply pay salaries. Brokerage firms with commission can be lucrative depending on which financial product they are selling. Typically, insurance and variable annuities earn brokers higher commissions than if they sold the same amount of securities like stocks or bonds. According to Reuters, about 7% more.

Keep it in Perspective

Of course, you don’t have to totally change careers in order to make money in the stock market. But if you’re fresh out of high school and are interested in a career in the financial market. As long as you can positively answer the questions listed above and have developed an interest in the markets, then you might fare well as a stock broker. Also, there are plenty of sources where you can learn more about becoming a stock broker on the internet if interested in learning on your own.

How to Settle Down your Debt Related Problems

Nowadays high interest Debts are big problem in our life. As we try to enjoy more, our spending has increased a lot these days. People have so many debts these days like payday loans, high interest rate multiple credit card debts and other unsecured loans but paying to these on time sometimes becomes a little difficult for some people and as the interest rate is very high of these kind of loans or debts, the amount of debt increases very quickly and it becomes more and more difficult for them. Many people spend sleepless nights once the debts get too high to manage.

Now how to pay off the debts or get out of the debts become the biggest questions to them. This requires a little sincere effort from the person who is in debt. There are different ways to get out of the vicious cycle of debt. If you are in neck high debt, you can try to resolve the problem or you can even seek help from experience financial professionals. It is sometimes difficult to manage these debts on your own. So there is no harm to seek professional help but you may have to pay some extra dollars to them for their service.

There are many debt settlement and debt consolidation companies out there in the market who are providing good service to their debt ridden customers. You can enroll with such a company and they will take care of your debts. The company will then negotiate with your creditors or the credit card companies on behalf of you to either decrease the rate of interest or the amount of debt. Debt settlement or debt consolidation has similar goal to achieve. Both of these programs will help you to manage your debt better and if these are used properly, saves your some dollars.

One thing that you need to check before enrolling of any kind of these companies, you should be absolutely sure that you are able to pay off the debt. If you cannot make the payment once it is settled then you might be end up still remaining in debt and paying more money. So hope for the best and remain focused to pay off the debts first.

Second Mortgage – A Wiser Option to Choose in Need

We all must have heard about the term second mortgage. Now what is it? This is a secured loan against the home while there is already a primary mortgage against the home. Sometimes this is a good option to choose while someone is in need of big bucks and he has built up good amount of equity on the home or in case of raising the price of the home.

In case someone has built up enough equity, he should not have much difficulty to find lenders to offer a second mortgage. He can even ask the primary mortgage lender for the second mortgage if the lender can offer him low interest rates and better terms. Here I should inform that the interest rate of second mortgage is generally higher compared to the primary or first mortgage for the simple reason that second mortgage is a little risky for the lenders too. In case you default, then the first mortgage will be paid first.

There are different reasons for which people may choose a second mortgage. They may want to improve their home by using the equity that they have built up or want to pay off the high interest rate debts but second mortgage is also a little risky for the borrowers as if he cannot pay the second mortgage the lender can foreclose and take away his property. So he should be bit careful and make sure that his equity is being used for the right purpose.

As it is said before that getting a second mortgage should not be very difficult if someone has built up good amount of equity as lender consider a second mortgage a safer option because this is collateral against his home. It is better to do a little bit of online research to get the best rates and terms available in the market.

Transferring Funds Online

The most recent pattern in cash exchanges is the Online Money Transfers. Under this, the cash is exchanged online starting with one record then onto the next. There are different methods for doing an online cash exchange.

Most banks offer this system. In the event that you have needed the Internet client ID and watchword for your record, you can exchange cash online from your record to the record of someone else. In any case, most banks permit cash to be exchanged just to an alternate record with the same bank because of security reasons. It is a protected and advantageous strategy if the client takes mind not to lose his secret key. You can also go for Bacs Transfer which is one of the best transfers available online and highly recommended.

The other manifestation of online cash exchange is utilizing your email account. Organizations like Paypal give offices to online exchange of cash. This is very much a cunning method for exchanging cash. Paypal obliges you to make a record utilizing your email ID. When your record is made, you can subsidize it utilizing either your Visa or your financial balance. The trusts in your record might be in a flash exchanged to an alternate Paypal record. Cash might be withdrawn from the Paypal record of the beneficiary either on the web, to the joined ledger or a check could be asked.

Banks and a ton of governments support online cash exchanges too. In such cases there is no physical cash evolving hands. This helps the economy of a country, as the administration does not need to use cash on printing and keeping up money notes. This sort of cash exchange is particularly gainful for long separation or universal exchange of cash crosswise over distinctive nations. Organizations, for example, Western Union, which have customarily been in the cash exchange business, likewise offer online cash exchanges. You can even  apply online payday loans. This is very easy and secure process.

As of late Visa organizations, for example, Visa and Mastercard have likewise presented online cash exchange administrations which permit the snappy exchange of cash from one credit or charge card record to an alternate.

Acquiring To Understand Appraisal Management Providers

Acquiring To Understand Appraisal Management Providers, Get Updated With Noida House News

In case you have a organization with regards to real estate or if you’d like to purchase, or promote your residence or residence, then you need to know about the efficient appraisal management solutions for your most correct evaluation of one’s property or asset. You may think that investing income for any actual estate agent is wastage of cash but, in the actual sense, this tiny investment will carry you more profits in your organization deal.

The appraisal management companies are most significant for determining the right worth of a certain property. Any particular person related on the real estate enterprise deal should go through the following discussion carefully to be able to understand the effective appraisal services correctly.

If you’re a buyer and wish to buy a whole new house for almost any explanation like personalized or industrial, then you certainly need to purchase the property with the most exact worth from the house. So, how will you estimate the worth on the residence? Effectively, the response is very straightforward. You ought to seek advice from with successful appraisal management services. The productive appraisal companies will examine each and every factor on the house or home that you simply are going to purchase and can provide an preliminary analysis report relating to that.

Aside from, the experienced appraisal companies maintain every one of the needed information regarding the price in the sold properties in the identical neighborhood. This data can help to create a better comparison about the cost of the houses in the very same area. You are going to also get to know the marketplace trend from the value on the residence sin that locality. You could also get a loan in the bank with the aid of effective appraisal companies, because they normally sustain very good relation with all the financial planner surrey institutions.

Noida would be the biggest planned industrial city in Asia. Hence, the city boasts of enormous demands for residential, industrial and retail units. The boom while in the Noida realty industry attracts large amount of potential investors who are all set to get large returns. So, should you be financial planning surrey to invest in realty market place, follow the Noida home information.

Update by yourself together with the Noida house news on daily basis. This would enable you to acquire an thought of the expanse from the marketplace and potential of earning income. You’ll be aware from the hot tasks and the prevalent price tag trends.

Important Financial Discussions to Have Before Marriage

Marriage is great! When two people who love each other decide to take the ultimate step and vow to be joined by this most binding of institutions (although the high rate of divorce in this country flies against that particular statement, we won’t open that can of worms though). I love weddings, the dancing, the laughing, the people, and most important the booze and the cake! What’s not to like, right? The bride and groom get all the fawning love and attention of their near and dear ones and a heap load of presents, too! It’s the most perfect way to embark upon this new, amazing journey that will last you a lifelong. Before you walk down the aisle however, you need to make sure you and your potential spouse have a few pertinent conversations. The usual stuff like whether or not they plan on having children, do they have a crazy stalker ex on a restraining order, whether they’re secretly spies, you know, stuff like that. The most important bit though, is having the ‘money’ talk.
The money talk is that conversation where you and your fiancé sit down, and discuss everything to do with finances. The reason this is important is because you don’t want to start off the wonderful new adventure with a crippling financial pit fall, so instead you show complete honesty and tell your significant other what’s what, and plan for a future properly.
Must have pre-marital financial conversations

•    Debts. Simple and straightforward, if you owe anyone any money, be it a student loan, a car loan, house loan, or even some cash borrowed from a friend or relative, disclose it now. This is the basic foundation of this conversation, you chart out all that you owe, who you owe it to, how much you’re paying as the installment, and when it is due. This way, you know how much money is guaranteed to go out of the house post-marriage, and the future can be planned accordingly.
•    Assets. The exact opposite of the first step, here you talk about all the financial assets you own. Whether it is a business, property, or even a really rare collectible Pokémon card. What your investment portfolio, if any, consists off, what your bank balance is, if you are owed any money, and how much you earn. Talk about the breakdown of your salary, what the basic pay is, what the bonuses are etc. If either of you own a business, share all details such as net profit/loss, assets held, the whole nine yards. This complete disclosure of current and future income will again form the building block of your financial future together.
•    Joint or separate. One of the most awkward topics of conversation to broach, and all the more necessary because of it. You need to decide, as a couple, whether you will merge your financial identities into a joint account, or you’ll stay independent in that respect. This is important because you do decide to open a joint account, the process needs to be gotten underway, and your personal accounts need to be taken care of. This kind of process does take time, and you don’t want to be interrupted about it when on your honeymoon!
•    Budget. If the running of the household costs X amount, you need to decide how X is split up between both parties. This is important regardless of whether or not you have a joint account. Decide, for example, who commits the physical act of actually paying the light bill, and whose pocket the money to pay it comes from. This way there’ll be no defaults on the assumption that the other person would deal with it.
•    Insurance. Your better half needs to know if there is an insurance policy drawn out on your name, whether it is a health insurance policy or life insurance, or even property insurance on your home. This way, there’ll be no overlap, and the spouses will both know what to expect if something untoward happens. Do not forget to disclose any insurance policy made on your behalf by your employer either, as these things tend to slip the mind.
If there are no policies taken out, consider getting at least life insurance policies, as your soon-to-be better half will come to depend on a higher combined salary that the two of you bring, or even the priceless effort that a stay at home spouse provides, and will need some security in case something goes wrong.
In fact, Byron Udell, CEO of AccuQuote recommends getting a life insurance policy long before you decide to get hitched. “Young people who have life insurance protection now can simply change the beneficiary to reflect their spouse and/or children once they’re married and need financial protection for their new family.”
Entering into a marriage without this discussion is like playing a blind hand at poker, you may not necessarily lose, but the odds drop sharply on this happening. Life isn’t a game of poker however, and should not be treated as such. Instead enter into the marriage with everything laid out on the table, and improve the odds of it being a more comfortable and blissful one.
Author Bio: Frank Mitchell has worked as a life insurance agent for 10 years. After an accident in 2011 that kept him at home for more than a year, Frank started offering advice on forums and other social media networks. He now works as financial advisor and in his spare time writes articles on subjects he is passionate about. On the weekends, you’ll find Frank dirt biking.

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