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What Types of Real Estate?

Real estate is the property, land, buildings, air rights above the land and underground rights below the land. The term real estate means real, or physical, property. “Real” comes from the Latin root res or things. … The U.S. Constitution initially restricted voting rights to only owners of real estate.

There are four types of real estate:

  • Residential real estate: These includes both new construction and resale homes. …
  • Commercial real estate: These includes shopping centres and strip malls, medical and educational buildings, hotels and offices. …
  • Industrial real estate: …
  • Land:


House flipping means buying a house, increasing its value and making a profit on it, essentially buying low and selling high. There are two ways to do this: you can either make repairs, upgrade the decor and furnishings, or you can wait until the housing market increases by a certain percentage to recoup your money.

What is the 70 rule in house flipping?

The 70 per cent rule states that an investor should pay 70 per cent of the ARV of a property minus the repairs needed. The ARV is the after repaired value and is what a home is worth after it is fully repaired.21 Aug 2019


Is land considered real estate?

Land primarily refers to the surface of the ground and all-natural objects within it or on top of it. … Real estate is land and any additions and improvements, such as buildings, sewers, sidewalks, and anything else considered permanently attached to the land.


Commercial real estate is any non-residential property used for commercial profit-making purposes. Commercial real estate includes stores, malls, office buildings, and industrial parks.6 Jun 2019

What is considered industrial real estate?

Industrial real estate includes : All land and buildings either utilized or suited for industrial activities. Such activities are defined as: Production, Manufacturing, Assembly, Warehousing, Research, Light Storage, Distribution and some related Office requirements of tangible goods rather than service-related users.


What is the difference between commercial and industrial real estate?

Commercial Real Estate primarily refers to buildings or land intended to generate profit: industrial and retail are merely sub-categories of commercial real estate. Industrial property is a property used for actual manufacturing and can be considered as a factory or a plant.


Renting out property


Buy-to-let is a British phrase referring to the purchase of a property specifically to let out, that is to rent it out. A buy-to-let mortgage is a mortgage loan specifically designed for this purpose.


buy to let property (sometimes referred to as ‘buy to rent‘ or ‘BTL') is a type of property investment, in which the investor becomes a landlord and rents out the property for profit. A buy to let mortgage is a loan secured against one of these properties.


Rent to Buy is a government scheme that was set up to help you own your first home, even if you can‘t afford a deposit at the moment. … While paying 20% less in rentyou may be able to build up a deposit to buy the property or another one after the seven years is up.27 Dec 2018


To avoid income taxes, you could have your self-directed IRA or 401K be the purchaser of the asset in the first place; those are tax-sheltered. Then there is the notion of “trading” property using the 1031 exchange; the 1031 exchange allows for the deferral of capital gains on property held as an investment.1

How many buy to lets can I have?

All lenders set different limits on the number of mortgages you can have with them – it depends upon their appetite for risk. Many of the mainstream buy to let lenders set a limit of around three to five mortgaged properties (or maximum borrowing amount with them, i.e. £1m).


How much tax will I pay on my rental income? Your rental profits are taxed at the same rates as income you receive from your business or employment – 0%, 20%, 40% or 45%, depending on which tax band the income falls into.

Carrying two mortgages at once

Buyers who have enough income can carry two mortgage payments at once if they still meet the debt-to-income ratios required by their lenders. … You, then, might be able to qualify for two mortgages at once, if your credit score and job status are also strong.29 Feb 2016



What is Airbnb stand for?

It stands for Air-bed and breakfast, or Airbnb (“Air-b-n-b“) for short. Airbnb is an online community marketplace that connects people looking to rent their homes with people who are looking for accommodations.


How does Airbnb workAirbnb is an online marketplace which lets people rent out their properties or spare rooms to guests. Airbnb takes 3% commission of every booking from hosts, and between 6% and 12% from guests.

The best situation is a host will be nearby but not stay at the property with you (some hosts intend to stay in the residence with you, which I find unnerving).


On average, hosts make $924 a month, but those numbers vary. Some hosts even buy or lease a number of apartments or homes and rent them out full time, creating what could be a six-figure income.

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How You WIN Trades!


I've seen some awesome things in my years trading Forex.

However, nothing compares to what Michael Nurok has put together for you…

…including a FREE trading system for you to implement the trading secrets he’s giving away.

So jump in right now while you can still get everything for free.

You can put these principles into action immediately and bank some easy cash.

At least watch Michael’s video before you do anything else:


You'll discover three time-tested Forex principles that, when combined, make your success virtually guaranteed.

In addition to the free trading system, over the next three days, you will get THREE trading reports and a full manual showing you how to generate an income using the free system.


This trading strategy has proven itself over and over again for the lucky people who are already using it to generate a sustainable income from home.

You will find everything you need right here:


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Free Forex Strategy

You really don't want to miss this free Forex strategy session…

…because you'll learn three consistently profitable techniques that no one else is teaching right now.

If you are brand new to Forex trading, or if you’re unhappy with the results of your trading so far…

…you owe it to yourself to see how this pro-Aussie trader keeps losing trades down to an absolute minimum while maximizing the returns of his winning trades.
The link below will give you free instant access:

None of the so-called trading gurus ever mention this.

But now you can learn the best method I've seen that could generate a reliable and consistent income, even if you’ve never placed a trade-in your life.

And not only that…

You will also receive an entire, proven trading system FOR FREE, as an extra bonus at the end of the strategy session.

Make sure you watch this 100% free presentation today…

What he is teaching you could allow you to make consistently profitable trades every week, even if you're an inexperienced trader who's YET to see any real returns from your trading.

Watch this today before the page is taken down:

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Buy Gold Invest Gold

Real physical gold.

This is gold that you store yourself or at a trusted vaulting company. This is gold that you can actually hold in your hands. This is the gold that is demanded at record levels by central banks around the globe.


Pretend Gold

This is the domain of the bullion banks. They offer futures contracts, unallocated accounts, and ETFs…all as an alternative to the real thing and as a way of increasing the total supply of “gold” in what amounts to modern-day alchemy.


What are Futures Contracts

futures contract

A precious metals futures contract is a legally binding agreement for delivery of gold or silver at an agreed-upon price in the future. A futures exchange standardizes the contracts as to the quantity, quality, time, and place of delivery. … The great majority of futures contracts are offset before the delivery date.

Unallocated Gold



is a bookkeeping device by which a bank or other enterprise provides you with notional gold. The gold is a liability to you on their balance sheet. It is synonymous with gold ‘accounts' and its holders are unsecured creditors.

Gold ETFs


A gold ETF, or exchange-traded fund, is a commodity ETF that consists of only one principal asset: gold. Exchange-traded funds act like individual stocks, and they trade on an exchange in the same manner. However, the fund itself holds gold derivative contracts that are backed by gold.  Gold ETFs are a convenient, liquid way for individual investors to buy and hold gold.

The investment world allows a physical price to be determined through the trading of the pretend alternative.there's demand for the real thing: physical gold.

One great story in 2019 was how the Polish central bank purchased—and then demanded immediate delivery of—about 100 metric tonnes of physical gold. The Poles are no dummies, and they apparently wanted no part of the unallocated promises from the London Bullion Market.

Central bank demand for gold will exceed 670 metric tonnes in 2019. This follows what was a 50-year record demand of 641 metric tonnes in 2018. This from the World Gold Council at the end of 3rd Quarter 2019:  Price rose by 18% in 2019, a logical conclusion would be that this was due to strong physical demand,  that conclusion would be mostly correct.

Surging demand often leads to higher prices, price is not determined through the exchange of fiat currency for physical metal.  Price is determined through the trading of gold derivatives and futures contracts—pretend gold,

Last year saw the global central banks demand delivery of 670 metric tonnes of physical gold, while at the same time, the global bullion banks oversaw an increase in the supply of 1024 metric tonne gold.


  • Central Bank physical demand: 21,500,000 ounces
  • Global physical mine supply: 90,000,000 ounces
  • Bullion Bank pretend gold supply: 78,616,600 ounces

With the price of gold rallying from $1280 to $1520 in 2019, a move of 18%, which factor had the largest impact?

Demand for physical gold or the supply of pretend gold? all of these trends will continue in 2020, and as such, the price trends will continue, too.


  1. 1. Central bank demand for physical gold will continue unabated as foreign currency reserves are gradually shifted from fiat currency to sound money.
  2. 2. Institutional demand for physical gold will increase as fiat currencies are devalued and global interest rates trend lower.
  3. 3. Personal demand for physical gold will increase as investors increase the asset allocation to our under-utilized sector.
  4. 4. Bullion bank supply of pretends gold will increase as these banks defend their established and underwater short positions. (Keep in mind that these Bank shorts positions are not constrained by the same factors that face Spec longs. These Banks are deemed “too big to fail” and thus will always have access to enough cash to meet perceived margin requirements. Additionally, these Banks are rarely forced to actually deliver physical gold against their short positions, as the Spec longs rarely demand physical delivery.)


The bullion bank control over the pricing scheme grows more tenuous by the month. Each ounce of physical gold that is demanded globally removes it from the over-leveraged hands of the Banks. So keep the pressure on in 2020.

The Advice of Craig Hemke from the Gold Eagle is:

” Buy gold and demand immediate delivery. And then let's see if we can finally begin to see prices reflect true physical gold demand and not fabricated pretend gold supply”.







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How to Start Investing

When asking how to start investing for beginners you should include your reason for wanting to start investing.

What has made you think that investing is a possibility?


An investment is a gamble: instead of the security of guaranteed returns, you're taking a risk with your money. The hope is that you make a lot more than you put in but there's the possibility you end up with less.


It may be a good idea but is it something that you have researched.

You may have seen something on social media declaring that you can make a lot of money investing in any number of investment ideas but does that investment have any foundation.


So many people have had their life savings stolen from investment scams, you really do need to research any investment promotions offered to you before giving away a single penny.

If it sounds too good to be true, it probably is.

There are so many ways of investing some that may be suitable for you and some that definitely will not be.

You can invest in almost anything.


  • Forex Market
  • Options
  • Stocks and Shares
  • Government bonds
  • UK property market
  • Businesses
  • Vintage cars
  • Wine
  • Fledgeling technology firms
  • Art, including, paintings, sculptures

How are you going to finance your investment?

Do you have a lump sum or a pension you wish to invest?

What is your time scale for wanting to receive profits from your investments?

Checking trade direction

ALWAYS remember the five golden rules of investing:

  1. The greater the return you want, the more risk you'll usually have to accept.
  2. Don't put all your eggs in one basket. Try to diversify as much as you can to lower your risk exposure, ie, invest in different companies, industries and regions.
  3. If you're saving over the short term, it's wise not to take too much of a risk. It's recommended you invest for at least five years. If you can't, it's often best to steer clear of investing and leave your money in a savings account.
  4. Review your portfolio. A share might be a dud or you might not be willing to take as many risks as you did before. If you don't review your portfolio regularly, you could end up with a share account which loses money.
  5. Don't panic. Investments can go down as well as up. Don't be tempted to sell or buy shares just because everyone else is.

Your Circumstances

How old are you, have you finished your education or at college, are you just starting your working career.

Have you started a family and looking to invest to protect your family or to support your children through college or buying their own home.

All these questions will need answering before deciding on committing your money and then there is the question of what sort of investment have you in mind.

I personally follow the writings of Robert Kiyosaki the author of Rich Dad Poor Dad. Unfortunately, I have only come into contact with his work in the last couple of years when planning on my retirement. He writes that schools do not teach about money and finances but how to prepare for getting a job.

Robert advocates keeping 10% of your earnings to invest for your future. 10% may be a lot to some people. I remember my father informing me when I first went out to work, 1/3 for board and keep, 1/3 for me and 1/3 for savings. It worked whilst I was living at home, but as soon as I moved out when I got married, everything went into the household kitty.

What goes around comes around. I am now semi-retired and with my pension pot decided I wanted to invest. So I was where you are now.

Invest in yourself First

As I said earlier, there are so many ways to invest your money but you need to educate yourself first. You need to invest in yourself first by researching what is available and then sign up to learn all there is to know in the field of investment you are interested in. You can earn while you learn but just be careful you do not lose all your money before you have mastered the basics.

How much should I set aside to put in?

Too many people think you need to have a load of cash to be able to invest in the stock market – you don't, and many smaller investors who ‘drip-feed' in small sums on a regular basis can do much better than those who simply dump a big lump sum into the market.

You should never invest more than you can afford to lose. In the event of a stock market crash, you could face losing a huge chunk of your wealth if you have too much of your money invested. Many financial advisers would suggest you invest for at least five years.


If you have little savings and are heavily indebted, gambling on stock markets could be bad for your financial health. However, If you've built up a nest-egg and are fed up with low savings rates, the stock market could be a decent way to try to earn bigger returns.

Many fund managers allow you to invest a regular small monthly sum which will help build up a larger sum over time, as well as being more manageable for your finances).

My own experience

The areas of investment that I have assessed myself are Forex Trading, Options Trading, Stock Trading, Cryptocurrencies and Blockchain and Startup Investments. I am looking into physical gold. I have been into Property investment in the past, buying properties and renovating and selling on but have not looked at doing this again as I would have to buy in trades to complete the work and this cuts into the profits drastically. This is just my personal position at this time.

You can access information about forex trading, options trading, stock trading, gold trading, real estate trading in a previous post of mine at:

Startup crowdfunding is a new phenomenon and until recently it was not allowed for companies to accept investments from regular people.

Only wealthy people were allowed to invest in private companies. Thanks to Republic and recently updated laws, you can now gain access to the new asset class and be an angel investor in startups.

The law requires that before you invest, you first understand the risks and the rules of investing in startups.

If you would like to know more about startup crowdfunding you can find out more here

I am a member and have invested in several new startups myself

If you are interested in any of the information about please leave a comment or question below and I will help in any way I can.

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How the Rich keep their Cash

Every day I learn something new about the financial world. And Robert Kiyosaki has been helping me understand money in a way that no one ever has before.

Many people wonder how the rich keep getting richer while everyone else is financially stagnant…

Today, Robert teaches us how they’re keeping it up by using tax codes in their favor.

Let’s get started…

A report published in The New York Times last month detailed how Trump’s core businesses of casinos, hotels and apartment buildings had lost $1.17 billion over a decade, allowing him to avoid paying income taxes for eight of those 10 years.

In short, the many credits and breaks that are found in the tax code are there precisely because the government wants you to take advantage of them. For instance, the government wants cheap housing.

Because of this, there are many tax credits for affordable housing that developers and investors can take advantage of that minimize their tax liability, put more money in their pocket and in turn create affordable housing.

Everyone wins.

There are many scenarios like this in the tax code that incentivize investors and entrepreneurs to do activities the government is looking for while rewarding those who take those actions with lower or zero-tax burden.

Because of this, limiting your tax liability actually means you’re doing what the government wants you to do through the tax code. And that is the most patriotic thing you can do.

For more information on keeping your money you cannot go wrong but to research what Robert Kiyosaki has to say on the matter


Please leave a comment below:

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How to invest in physical gold


Gold bullion should be viewed as an essential part of everybody’s investment portfolio.

For myself, one of my mentors and investment guru's, Robert Kiyosaki Editor, Rich Dad Poor Dad advises gold, real estate and oil.

I choose a network of investment professionals to guide me in my investment decisions.

There are many ways to invest in gold:

You can buy gold directly in the form of bullion or coins.

You may also purchase stock in a company that produces gold.

You could buy gold futures or gold options

You may decide to invest in a gold ETF

However, for this post I am going to discuss ‘how to invest in physical gold' and so you would buy gold directly in the form of bullion or coins.


Your next question should be when is the best times to buy gold? and historically this has been the beginning of January, early April or early July.

Where to buy physical gold

It is possible to buy physical gold from a coin shop located close to your main town which can be convenient. You must do your research as to the purity of the gold before making a transaction but that’s also where you will pay the highest premiums. You should also consider the safety of walking around with gold on your person.

Do you wish to buy your gold over the phone or would you prefer to buy online with a company specialising in buying and selling gold bullion and gold coins who has built a strong track record of honesty and reliability.


Questions you need answering is

How to fund your account?

This will depend on the company you choose to deal with. More often than not you would fund your account by a check, bank wire or ACH transfer.

What is the minimum investment?

Again this depends on the company you deal with. Some companies state no minmum purchase required or offer $100 to open your account and regular monthly subscriptions to purchase 1oz gold bars

Will you be charged Sales Tax?

If you are a United States citizen, depending on your state of residence, it is your obligation to report and pay sales tax on any metal you purchase for delivery. You may also be responsible for taxes on any realized gains made in your positions, depending on the type of account you’ve chosen.

Will you pay VAT?

VAT is not applicable for metal going into storage or delivered to a US address. However, if you have your metals delivered to an overseas address, VAT may apply, depending on local laws and the storage location your order was sent from. Be sure to consult local tax laws before taking delivery.

Storing your precious gold

  1. Keeping it at home
  2. Bank safety deposit box
  3. Third party storage firm

Keeping it at home

If you keep your gold at home where is it going to be safe?, if you hide it too well from possible intruders, will you remember where you have hidden it. A home safe is another option. One that’s built into your house and concealed is best. If you buy a safe, you should buy it with cash, and install it yourself as best you can, the fewer people know you are buying gold and storing it on your property, the better. Also you need to ensure you have the gold insured for loss.

Another problem with storing gold at home is the liquidity factor. If you choose to sell your coins or gold bars you may need to get them to a dealer to sell them and also you may need to have them refined so that the dealer can verify the gold content and all this takes time and incurs costs. You could keep a few coins at home for an emergency, but more than that and your next step is going offsite for storage.

Bank safety deposit box

Bank safety deposit box's are relatively inexpensive and come in different sizes. The bank doesn’t insure the contents of a safety deposit box, you have to buy separate insurance, which can be expensive, and it’s hard to get for precious metals in safe deposit boxes. You also have the security risk going to and from the bank.


Bank hours are limited, as is your opportunity to get to it. However, again it is a question of liquidity and whether you can get access to the box for a quick resale. American Eagles, gold bullion coins are guaranteed by the federal government, have inherent liquidity because they are bought and sold by coin dealers, banks and commercial dealers without question.


Third party storage firm

Once your gold holding outgrows your safety deposit box or the amount you hold, signals it’s time to diversify, the next step is to consider the most secure storage of all: a private, precious metals vaulting facility, known as a depository.

In addition to benefiting from secure, specialised bullion vaults that are insured, you obtain good geographic and political diversification for your gold and have exceptional liquidity because you can sell your metal 24/7 and have the proceeds wired the same day to your bank account anywhere in the world.

Most Important

Investors should always ask if their investment is being held on or off of the holding company's balance sheet. If held off the company's balance sheet, investor assets are held separate and apart from those of the company, and thus, they will not get tied up in bankruptcy proceedings should the company fail.

I will be reviewing different physical gold trading companies in future posts so please bookmark this site for more in-depth information on how to buy physical gold.

If you have any comments or questions please leave them below.












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Fine Wine Investment

When looking at investing we normally think of stocks, shares, gold and real estate. However, I have recently been introduced to ‘fine wine investment' and it is this topic that I wish to discuss today.

wine collection

“It has become quite a common proverb that in wine there is truth,” 1st-century A.D. Roman scholar, Pliny the Elder.

The fine wine market – worth some $5bn-$6bn per year globally – consistently outperforms other financial instruments, making it an attractive option for a wide range of investors

wine investment portfolio

Introduction to wine

Wine has a history of over 9000 years. It is mentioned in the bible. It starts with the soil. Weather plays an important part as does the wine maker. Generations of families protecting their craft.mountain vine yard


The Ideal Soil appears to be sandy loam as the best soil type for growing grapes. This type of soil offers the best blend of characteristics.

A crumbly mix of sand, silt, and clay when blended with other soils in the right amounts offers the ideal soil type for grape growing.

It drains well but contains a moderate amount of nutritious organic matter and generally lies within the preferred pH range.

A healthy vine will take up a minimum of about 50 square feet of arbor space, and vigorous varieties or vines grown on deep, rich soil should be given 75 to 100 square feet or more.



It is important to consider the environment before taking up grape growing. Grapes generally require a hot and dry climate where temperatures range from 60-105˚ F (15-40˚C). The climate should experience mild winters, little humidity and limited annual rainfall.

Adequate rainfall during the growing season is also important. While grapevines prefer rocky, sandy soil, they do need abundant water. Grapes like a soil pH of between 6 and 6.5, but can grow anywhere between a pH of 5 and 7.

Improve biodiversity and manage our land in a way that respects existing ecosystems where even the tiniest living organism plays a role in the cycle of life and especially that of the vine.


What are the different grapes used to make wine

There are over 10,000 varieties of wine grapes in the world. Often, certain types of grapes are popular in certain countries.

Many of these varieties have been developed by using grafting and other methods to produce new hybrids.

grape type


Types of Wine

  • White Wines. These being Riesling, Chardonnay, Pinot Grigio, Chenin Blanc, Sauvignon Blanc and Moscato. …
  • Rose
  • Red Wines Merlot and Syrah Cabernet Sauvignon, Pinot Noir,
  • Sweet
  • Sparkling Wines

wine types

Old world wine

Old world wine countries include: France, Italy, Spain, Portugal, Greece, Austria, Hungary, and Germany. Also, based on the definition, countries like Turkey, Georgia, Armenia, and Moldova are also able to be considered old world wine regions too!


New World Wine

New World wines are those wines produced outside the traditional wine growing areas of Europe and the Middle East, in particular from Argentina, Australia, Canada, Chile, New Zealand, South Africa and the United States (primarily California).

The most basic difference between Old World and New World wines is geographic: “Old World” refers to the traditional wine growing regions of Europe, while “New World” refers to everything else. … These wines are often made in a more highly extracted and oak-influenced style.

Enthusiasts have been seeking out the best wines since the invention of wine itself.


Oenophile a lover or connoisseur of wine.  Latin borrowed from the Greek to create a combining form that means “wine,” oeno-. Modern French speakers combined oeno- with -phile (Greek for “lover of”) to create oenophile before we adopted it from them in the mid-1800s. Oenophiles are sure to know as the science of wine making and oenologist for one versed in oenology.

wine casks

How do you get involved in fine wine investment?

The fine wine market – worth some $5bn-$6bn per year globally – consistently outperforms other financial instruments, making it an attractive option for a wide range of investors

Wine investment has existed for decades. It is no longer the sole preserve of luxury investors or high net worth individuals, and increasing numbers of people from all backgrounds are considering wine investment as a fruitful alternative to the usual commodities.

Wine investors see return on investment by capitalising on the balance of supply and demand.

Great vintages and highly sought-after bottles from the likes of Bordeaux and Burgundy are being bought all the time, decreasing supply leads to increased demand, which pushes up prices.

Those in possession of prize wines are then able to sell them on for an often very handsome profit. Investment-grade wines that come from the most esteemed winemakers in the world.

Wine tasting

A wine’s value involves a number of factors, such as the brand, vintage quality, availability and scores from critics

Seasoned collectors with a wealth of wine investment experience may be able to identify lucrative buying opportunities themselves using quantitative and qualitative analysis to determine which wines are in line for a price growth, or are currently undervalued and represent strong investment potential but many will engage the services of a trusted wine investment company

Fine wines that constitute the investment grade market are less than 1% of fine wine produced.

International banking firm Morgan Stanley has published a report on the status of the global wine market, concluding that a worldwide shortage of wine is imminent. Demand is already exceeding supply, and in 2012 the shortfall amounted to some 300 million cases.

wine cellar

As I stated earlier Investing in wine is probably not the first thing you think of when you are considering an investment portfolio however, increasing numbers of people from all backgrounds are considering wine investment.

If you would like to know more about the wine in your glass before considering which wines to invest in, a brand new video documentary is shortly going to be aired and this information is free to watch if you would like to click here

wine grapes picked













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What is Stock Trading?

Mission statement

‘To bring educational resources and personal experience to traders and Investors alike.  To save you time and improve your financial performance'

This brings up many questions just from the title ‘What is stock trading?'


First, we must ask what is stock?  A stock is a collection of shares, so what is a share?  A share is one of the equal parts into which a company's capital is divided. From here we can answer what is stock trading?  Stock trading is exchanging money to buy stocks in a particular company. Stocks can also be sold for a profitable investment.

How to buy stocks


The investor would buy stocks in a company that they had an interest in through a broker. There are full-service brokers and online brokers. A full-service broker is a licensed financial broker-dealer firm providing a variety of services including research and advice, tax tips and retirement planning.

An online broker, on the other hand, is a broker that interfaces with customers over the Internet instead of face-to-face. It is a brokerage firm that people visit online, rather than in a physical office. They provide trading platforms so that the customer can place trades independently often with reduced commissions per trade.


Buyers of stock can be identified as traders, investors or speculators.

Stock traders are men or women who work for themselves or for a firm, buying and selling stocks. Stock traders typically focus on making profits by taking advantage of price fluctuations on individual stocks in the market.


There are different time frames that traders use namely intra-day trading, short-term trading, medium-term trading and long term trading.

For intra-day trading or short term, trading profits are taken at the close of the market. Medium-term traders often keep trades open for days and perhaps weeks when as long term trading keep trades open months and sometimes years.


Long term traders are also known as investors as they buy and hold positions in the stock market as said earlier for years and sometimes decades with the expectation that the commitment will return a profit, basing the decision on a reasonable judgement made after thorough research. The Investor has a strong belief that the endeavour has a good probability of success.



Speculators, on the other hand, buys or sells stocks or assets following what he feels is a calculated risk but this risk has a high probability of failure. The primary difference between investing and speculating is the amount of risk undertaken.


Stock Exchanges

There are sixteen stock exchanges in the world but the major stock exchanges are:

  • The New York Stock Exchange.
  • The NASDAQ Stock Exchange.
  • The London Stock Exchange.
  • The Amsterdam Stock Exchange & Euronext.
  • The Xetra/Börse Frankfurt Stock Exchange.
  • The Warsaw Stock Exchange.
  • The Tokyo Stock Exchange.


A stock exchange is a marketplace where stocks are traded throughout the day, stock market and stock exchange terms are used interchangeably. London is the biggest stock market with a history of 300 years originating in coffee houses in the City of London. London is the first to open trading from 0800 – 16.30 hours. New York commences trading at 09.30 to 16.00 local time (approx 12.30 MT). The Tokyo stock exchange 09:00 -15.00 p.m.

Trading Platforms

Trading platforms can be accessed from a desktop computer, or apps via pads, tablets or mobile phone. This makes the stock trader the ability to be mobile and not stuck behind a computer.


Some trading companies require the trader to download the platform onto their computer to run however many trading companies now provide trading apps to allow the stock trader to login and place trades without the need to download charts.

MetaTrader 4, also known as MT4, is an electronic trading platform widely used by online retail foreign exchange speculative traders Trading in forex trading and Futures trading.

E-Trade Financial Corporation offers an electronic trading platform to trade financial assets including common stocks, preferred stocks, futures contracts, exchange-traded funds, options, mutual funds, and fixed-income investments. Wikipedia

The 8 Best Options Trading Platforms of 2019

  1. Best Overall: TD Ameritrade. Courtesy of TD Ameritrade. …
  2. Best for No Commission: Robinhood. …
  3. Best for Experts: TradeStation. …
  4. Best for New Traders: Charles Schwab. …
  5. Best for Low Costs and No Minimums: Ally Invest. …
  6. Best Per-Trade Fees: Interactive Brokers. …
  7. Best Tiered Pricing: Lightspeed. …
  8. Best for Growing Your Skills: ETrade.

Stock Trading Mentors

Much successful stock trading entrepreneur offer training in their successful trading strategies. It is here that the novice trader can sign up with a reputable trading trainer of their choice for a membership fee. You may well be invited to join them from an invitation from an email or a sign up from a search on the internet.


It is also possible to learn independently from books but you will benefit from a trading platform to experience what you are reading. There are also free webinars offered again for different trading strategies.

Many trading platforms offer free tuition and a demo account to practice on with paper money to protect you from heavy losses by trading without a sound training education.


During this post, we have taken a look at the terminology used in stock trading. By asking these very basic questions and answering them in bite-size pieces we can begin to understand ‘What is stock trading' and build on this information.

I will be providing resources needed to fully understand stock trading and reviews on different products available that I have either bought and worked through or signed up with to give you a personal perspective for you to make an informed choice and hopefully save you time and money by learning from my mistakes.