Posted on Leave a comment

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:

Posted on Leave a comment

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.












Posted on Leave a comment

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













Posted on Leave a comment

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.

Posted on Leave a comment

Apiary Fund – funded

Mission statement

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

From previous discussion we have looked at forex training and how you can learn to trade forex currencies.

However, how to go from novice to funded member may seem impossible. This is what I thought prior to being introduced to the Apiary Fund, back in April 2016.

It is for this reason I am writing one of many Apiary Fund Reviews that can be found on search engines. The reason I have decided to write about my experience with The Apiary Fund is that mine is a positive experience and the start of a new episode in my life.

An introduction to The Apiary Fund

Back in 2016, I received an email with a 30-day free trial of the Apiary Fund trader development program. I have checked and the 30-day free trial is still current you can find it here :

The Easy-Money Referral Program.

The development program

I checked out the program and was able to see first hand the mentoring programme and have the chance to make some trades on a demo platform to try out the different trading styles available. The program is broken down to different levels and each level has modules, videos, and discussions to enable you to pass through the different levels.

Live Trading Platform

The trading platform is live feed so you are practising with up-to-the-minute currencies market without the risk to your own money.

Once you understand from your studies the different trading styles, you can practice with different indicators and time frames. It does not matter which country or state you live as The Apiary Fund is open to:

Worldwide Stock Exchanges

  • The London Stock exchange from 08.00 to 17.00 hours GMT,
  • The New York Stock exchange from 12.00 to 21.00 hours GMT
  • Sidney Stock Exchange from 22.00 to 07.00 GMT
  • Japan 23.00 to 08.00 GMT.
As you can see from above there is an overlap between the different stock exchanges and this often results in volatility causing the markets to move more quickly than other times in the trading day.

Risk Management

It is essential to have risk management in place to prevent large loss to your trading account.

The Apiary Fund is very thorough in their risk management training and teaches position sizing and stop loss and take profit, which can be preset on the platform to save time and save you from forgetting and setting your trade up to possible drawdown, particularly in volatile markets.

Completion of your Trading

Having worked through the different levels of the training and successfully building your account size in your working demo account, your account will be analysed by the Risk Manager. He will look at your stats and in particular your risk management strategy. If this meets with his approval you will be made up to a Gold member and you will be rewarded with a funded account.

Funded Accounts

Gold members continue with their trading, only now they are trading with real money moving from a demo account to a real live account. They continue to trade following their trading strategy and within their trading plan only now they receive a percentage of what they accrue in their account within that month. This percentage increases as their account size increases.

Building a Business

Once you start receiving monthly commissions you may wish to start your own business, here you can claim back business expenses, one of which can be any training fees, or equipment needed to perform your business. You will definitely want an accountant who knows his business and one you can trust.

Financial Success

Good luck with your new business venture. Your Apiary Training is your first step to preparing for your new financial success. I hope you find Apiary Fund Reviews helpful in making your decision.

The Easy-Money Referral Program.




Posted on Leave a comment

Forex Trading Training

Mission statement

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

Where to start?

starting on the ladder

I believe you need to ask yourself several questions if you have an interest in forex trading training.

  1. Have you thought how you wish to take up forex trading training?
  2. Are you a complete novice?
  3. Are you looking for free training?
  4. If not what is your budget?
  5. What time do you have to study


Choices of accessing forex trading training can be either from physically reading a book, an e-book online, a webinar, again from online or signing up with a reputable forex trading training company.


If you are a complete beginner you may start your studying from a physical book/ or e-book. You may be invited to attend webinars online.  You could purchase a DVD course but eventually, you are going to find that you will have to engage with a forex trading training company.

This would ensure an all-round education and probably save yourself money,  learning what to avoid doing to make costly mistakes in your training. If you sign up with a reputable company, of which there are many may improve your chances of success.

In my previous post, I discussed terminology used in forex trading and this may assist you in your research for forex trading training and I also give a brief outline of different topics included within forex trading.

My intention with these posts is to gradually build on the information available to provide you with the basis from which to build your forex trading knowledge to give you choices on what you would like to pursue.


Free training is available in that you could take out books from your local library and this could be the beginning of your training. It is possible to access free training from the internet but at some time you will need to practice what you have learned by trading on a platform.

Again this can be free in that there are some platforms that offer demo accounts for you to practice on or you could sign up to a brokerage company and be given a demo account.

A demo account is where you are given play money to work with, for example, $10,000 this gives you what is called paper money to try out your trading strategies to find what works best for you without risking your own money until you feel confident enough to trade.

However, it does not test your emotions, until you are trading real money you will not fully understand risk management and greed.


Advantages of Online forex trading training

If you have a budget to put into your forex trading training, you can actually save time, money and effort by signing up to a reputable company offering mentors to guide you through a specific pathway to ensure that you access all the different trading strategies.

This will enable you to understand each area of trading before moving on through the training process. You will also be able to paper trade to test your skills, risk management and gain experience.

An introduction to The Apiary Fund

Back in 2016, I received an email with a 30-day free trial of the Apiary Fund trader development program. I have checked and the 30-day free trial is still current you can find it here :

The Easy-Money Referral Program.

The development program

As said before paper trading is totally different to trading real money when emotions can take over and cause you to take bigger risks and lose your account completely or at least take a significant loss which will be difficult and take a lot of time to recoup.

Forex trading training can fit in with any full-time employment in that you can train at different times in the day to suit any working schedule.

In your training, you will be able to access different forex trading markets all over the world primarily the London stock exchange, the New York Stock exchange and the Asian market, Australia and Japan.

Another advantage of online forex trading training is that it can be completed from a laptop from anywhere in your home or outside of the home. You can take your laptop out and about so you are not tied to a room in your house.

Woman trading currencies online on forex trading platform.

You will obviously need a secure network once you start trading with real money to protect your account but while you are training with paper money the risk is reduced.

I personally take my laptop with me where ever I go and have invested in a dongle to allow me WiFi access wherever there is a mobile signal. I can trade sitting in the car, in the library, while visiting family. As long as I keep my passwords safe I have a mobile business.

Man trading on the beach.


Online forex trading is an ideal business to get into if you are looking to make money online. It is something that you can develop while still working full time while you take on the intense training and then consolidate your training and gain experience.

This enables you to develop your trading account before you make the decision to make this your full-time business. If you day trade or trade long term you only need to check your trades at the end of the day and make the necessary changes to ensure your trades are following the trend and your profit is growing.

Obviously, if the trade looks as though it is going in the wrong direction you would allow some wiggle room but exit a trade that is losing you money.

Checking trade direction

You will learn risk management during your forex trading training to protect your account and I discuss this in previous posts.

I wish you good luck should you decide to take on a forex trading business, but please ensure you have undertaken a reliable training programme before trading with real money.


Posted on Leave a comment

What is forex trading

Mission statement

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

As promised from my previous post, I will be concentrating this post on Forex Trading.

Woman trading currencies online on forex trading platform.

I would like to commence with a look at the history of the forex market. Approximately 500 years ago the forex market was first established in Amsterdam.

  • Money was in the shape of metal objects.
  • Jump forward to the year 1875 when the Gold standard was introduced. Jump forward again to 1970s and before the internet.

If you were an investor wishing to trade the forex market you had to call a brokerage firm. You had to rely on the broker accepting a phone call as and when the trader wanted to trade. Voice brokerage trading still exists but the majority of forex trading is carried out online. So ‘What is forex trading online about'?

Forex, also known as foreign exchange or FX trading is conducted over the ‘interbank market', which is the top-level foreign exchange market where banks exchange different currencies. The banks can either deal with one another directly or through electronic brokering platforms


Forex is one of the largest trading markets, with a global daily turnover estimated to exceed $5 trillion US dollars and approximately equivalentto£4.2 trillion GB sterling.

Traders who work with pairs based on the dollar will find the most volume in the US trading session. However, the London stock exchange is the largest of all the stock exchanges. The forex market opens on Sunday evening 2100 GMT and closes on Friday at 2100 GMT.

There are three sessions

1 European markets

2 United States markets

3 Asian markets

The sessions are broken down as follows.

The London Stock Exchange commences at 0800-1700 hrs overlapping with the New York Stock Exchange 1300 pm to 2100 pm GMT,

Australia 2200 – 0600 GMT

and Japan 2300-0700 GMT.

Time frames on forex exchange platforms allow the trader 1 minute, 5 minutes, 15 minutes, 1 hour, 4 hourly, daily, weekly and monthly periods to trade depending on their trading plan and their trading strategy. Forex traders will record their trades in their trading journal.

Currency Pairs

All currency trading is done in pairs. You have to buy one currency and sell another currency. Here are the 3 groups of pairs,

  1. Major pairs: These pairs include AUD/USD, EUR/USD, GBP/USD, NZD/USD, USD/CAD, USD/CHF and USD/JPY
  2. Minor pairs of currency pairs that do not include the US dollar IE EUR/JPY
  3. Exotic pairs of currency pairs of the developing countries.
    Forex trading

There are people trading from all walks of life. Until recently the volume came from professional traders, from large companies but as currency trading platforms have improved more retail traders have found forex to be suitable for their investment goals.

Part-time traders are operating out of different rooms of their homes quite often after a day’s work, something that only became possible with the proliferation of the internet.


One of the reasons Forex trading is so popular with hobbyist investors is that the markets are open pretty much 24 hours a day, following the different countries’ time zones allowing people from all over the globe to be trading at some time or another.

There are accumulations of these part-time forex traders losing money day after day, they are largely self-taught.

It’s essential that would-be traders don’t invest money they can’t afford to lose as forex trading without an understanding of risk management and position sizing is fraught with risk.

New entrants to the market face a bewildering array of options, platforms and terminology not to mention whether they study fundamental trading or technical trading.

Risk Management

Risk management is essential to help protect a trader from losing all of his or her money in their forex account. This can be put in place by position sizing, setting stop losses and take profit levels to remove profits from the trade safely back into the account.

Position sizing

Position size should be considered before entering into a trade. This will depend on the account size. Should the position size be too large the trader is putting their account into too much risk. When the position size is too small the trader will grow their account more slowly.

In forex trading, the position size is measured in pips and lots.

Lot Sizes

1 A micro lot is 1,000 units of currency;

2 A mini lot is 10,000 units; and

3 A standard lot is 100,000 units you buy or sell in a trade.

Most professional traders risk 1% or less of their account. A pip, which is short for “percentage in point” is normally the smallest part of a currency price that changes.

Stop losses.

A stop-loss closes out a trade if it loses a certain amount of money. It is how you make sure your loss does not exceed the account risk loss.

Its location is also based on the pip risk for the trade. However, in a volatile market, there are times when you can be whip lashed out of a trade and lose more than you had planned for.

This can quite often happen following a news flash that may affect the market you are trading in.

Take profits

There are several ways to decide where to place your take profit position. One way to take profit in a successful trade is to put an order in to close a position when the next support or resistance level is reached.


We will discuss support and resistance levels in a later post.

Another common and an extremely simple way to take profit is to simply close the trade at the end of the day, known as day trading. Sometimes I have woken to a nice profit when trading goes into the Asian market, however, sometimes I wake to find the profits I had, disappeared when the trade peaked and changed direction.

Alternatively, you may wish to set your take profit by taking your stop loss size and setting your take profit at 2 times risk. In long term trading, this could increase to 3 times or 4 times risk, this is possible in weekly or monthly trading.

Preparation comes before Action

This post has looked at the history of the forex market. It has discussed the opening of the markets, the sessions available to trade. It has described the different trading times on a forex platform. Currency pairs and risk management have also been described.

The purpose of this post was to look at the question So ‘What is forex trading online about'?

I have introduced you to just some terminology a trader will need to study and inwardly digest before signing up to a forex trading platform or risk your hard-earned savings. There is so much more to discuss and in greater depth.

Subsequent writing will break down the information required before any potential trader should consider entering into a forex trading environment.

If you wish any further topics covered within forex trading please leave a comment below



Posted on Leave a comment

Trading and Investing

Mission statement

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

This introduction to financial trading and investing is aimed at the person first looking for information on this subject.

This initial post ‘financial trading and investing' will be very broad and basic and will then dig down in future posts to discuss in greater depth.

You may be someone who has an interest or a passion who is looking to take this idea online that could potentially lead to a profitable income to enable you to leave the 9-5 grind of your working week.

Learning to trade is not something you are going to want to rush into but to find an area of trading that suits your personality and wallet because you will want to undertake a serious study of one of the many styles of trading.

I will discuss the trading styles that I myself have undertaken in the order that I have undertaken them.

Forex Trading

I came upon forex trading when looking online for making money back in 2015. I was planning to retire in 2018 and had already looked at affiliate marketing but started getting emails and adverts showing me forex trading:

Forex trading

Forex trading is the buying and selling of currencies, for example, the British pound and the United States dollar GBP/USD. There are 8 major currencies traded and 24 minor currencies and then there are the exotic pairs.

Then there are different time frames to trade, short time for scalping, intermediate and long term. The next post will concentrate on Forex Trading.

Stock Trading

This is Financial trading and investing in shares of stocks. This means buying and selling of stocks Normally a minimum of 100 shares. Again this can be short term intraday or long term several days, weeks, months or even years.

Some stocks pay dividends, another way of profiting from your stocks. Stocks can either be bought from a broker over the phone or online via a stock trading platform. We will look into this form of trading in more detail in later posts.

Option Trading

Is the right but not the obligation to buy or sell shares of a stock not belonging to you but being able to profit from the move of the stock. They are bought as contracts of a minimum of 100 shares.

Options can also be traded short term, intra-day, daily, weekly or monthly, however, options will be affected by time delay and can sometimes expire worthless but again I will go into greater depth in future posts.

Futures Trading

I have not ventured into Futures trading at this time however I can give a brief outline of what they involve and again go into greater depth later.

In financial trading and investing, a futures contract is a standardised forward contract, a legal agreement to buy or sell something at a predetermined price at a specified time in the future, between parties not known to each other. The asset transacted is usually a commodity or financial instrument.Wikipedia


The aim of investing is to build wealth. This can be as simple as saving money in a bank or building society to earn interest.

Sadly the rate of interest paid from a bank or building society nowadays is negligible. Investing can include the buying and selling of real estate or property.

If you bought a property and improved it by renovation and then sold the property or rented out the property the difference minus tax is the profit. It would be seen as an asset, either in the rental from the property or the cash made, over and above the money laid out for the purchase of the property and the renovation costs.


However, if you bought a property to live in then this could be seen as liability initially as there would be ongoing cost in maintaining the property and possibly a loss in market value.

When the property is finally sold or valued in later years if the property has gained value in the market place then it will have proved to be an asset.

Investing for Retirement

You may feel you have been investing in your retirement by taking out a pension or be in a workplace pension. On retirement, you will possibly receive a lump sum plus a pension paid monthly in some circumstances or you may have a lump sum that you now need to invest in an annuity to receive the monthly income from that pension.


Other than my own experience in retiring from the national health service and receiving the lump sum and a monthly pension I do not know enough about annuities to comment here.

We talked earlier about stocks and options, stock and option investing can be rewarding but also carries risk.

Investors buy shares of stocks or options in a company. If this particular company pays dividends, then they will be rewarded regardless as long as you keep your stocks in their company.

Another way of being involved in a company is by being an angel investor.


This is where you are involved at the start of the company and invest an amount of money while the company is developing and before they get involved in the stock exchanges or may remain a private company.

Your money will grow as the company grows. It should be realised that more companies than not fail to reach this point, for every 10 companies starting out 70% approximately will fail. Of the other 30%, very good profits can be made but this is not a short term investment and could take at least 5-10 years.

Gold Trading

Investing in Gold and precious metals is another way of investing. Gold prices go up and down as with most investments but overall they can be a good stable investment.


Buying physical Gold can be bought as bullion or coins depending on your means. Gold coins for the smaller investor are more convenient, gold bullion for the more affluent and experienced investor. We will look at this in later posts as to the buying and storage of the gold.

Investing in ourselves

The greatest investment we can make is in ourselves. Financial education, knowledge and experience gained from this are one of the most important investments we can make.

It is not only about making money but also about keeping your money. Being aware of the tax liabilities and also legal tax deductions.


Finding the right accountant for this speciality can save you and your financial investments. It can be the difference in success or failure.

There is also an investment in our health and mental well-being to be able to enjoy the profits from our financial trading and investing.

If you are interested in any form of investing and would like more information please comment below:

Posted on 2 Comments

About Gwendoline

Hi and welcome to my Financial Trading and Investing Website. I started to be interested in trading in 2015 having received an email offering ‘a way to make money and grow rich in the forex market'. From there I continued to invest in myself by learning all I could in the forex market and over the years I have diversified into options, stocks, cryptocurrency, gold and more recently angel investing.

The start of investing in myself

In the beginning I knew nothing of the forex market but started to look at different companies dealing with forex trading. Needless to say I lost more than I made without formal training but I did not give up but looked to find a mentor to learn from. Having completed my in depth training with that company I was given a funded account to work with and have been growing this having ups and downs but continue to learn and grow.

Having Retired from full time employment

I retired from my full time employment in July 2018 with a pension pot and monthly pension. Prior to retiring I had prepared for retirement by attending webinars and reading information to do with stocks and options and opened a trading account to commence trading. Again I joined a well-known mentor to ensure that I had the information to make sound investments, nothing guaranteed but also to avoid throwing money away. As I mentioned earlier I have diversified to other investments some long term some shorter term and I do this for myself and for my family/children and grandchildren.

My purpose for this website it to offer resources to allow you to invest in yourself, your future and your children's future and to bring you financial and investment information that you may not have access to without a network of financial experts.

Financial trading and investing it not only for the rich

This website will not be giving stocks or investment recommendations but aims to give you the resources needed to find your own network of financial experts and mentoring into the many financial areas available to you. The only area I have not assessed myself it real estate but that it not to say that I will not be working towards this in the future.
Financial trading and investing is not only for the rich. Investing in yourself with financial information it an important first step. It something that can be started at any age.

All the very Best.