Monday, April 30, 2012

Do You Sell or Hold After Your Stock Has Dropped?

Do you sell or hold a stock that has had a big drop? Is it too late to sell? Whether your stock has had a big loss or small loss should not make a difference. Judging a loss by its magnitude is an arbitrary approach to risk control. For example, it would be a more rational way to control risk to base decisions on abnormal stock behavior, an inability of a moving average, trendline, or other line of support to keep a stock from falling below that support, or on a change in trend. Sometimes a switch to another stock makes much more sense than to continue to hold a declining stock.

Let's say you paid 0 per share for 100 shares of a stock that subsequently falls to . Traders would never permit a big loss like that, but people who have not learned how to control risk might. To simplify these comments, assume that you have only one stock. Thus, your portfolio has dropped in value from ,000 to ,000. If this stock is still declining, to continue to hold would be to invite further loss. You have a choice. You can hold the stock, determined not to sell unless you have a profit, or you can switch to another stock that is already moving up in value. People who keep holding a declining stock after a 20% drop are apparently overlooking the fact that it is possible for a stock to decline to less than a dollar and remain there for several years before it recovers, if it ever does recover (even great companies sometimes go out of business).

Some people say, "I'll just wait until the stock gets back to where I bought it." However, the stock does not "know" what you paid, nor does it care. For practical purposes, it only "knows" where supports and resistances are (regions of demand and supply in the market for that stock). Your personal gain or loss is of absolutely no consequence to the stock. Though you may suffer some loss by selling a declining stock that is below your purchase price, you actually improve your portfolio by moving to a stock that is currently in a rising trend rather than declining. Even moving out of the stock and into cash would be an improvement, because the cash is not losing value.

We do not want to sell stocks in reaction to normal day-to-day fluctuations. However, if a stock declines with enough energy that it breaks through its underlying support, or if the stock's trend changes direction, continuing to hold the stock can be disastrous. A person who lets his stocks fall more than 20% really does not have a risk-control system. In fact, he may not even have a sell strategy. That is asking for financial pain and suffering. Many investors use moving averages to get a clear picture of a stock's trend. It may be okay under some circumstances to ignore changes in the very short-term trend of a stock, but ignoring a change in the long-term trend is foolish. If you are a beginner with no sell discipline at all, there is a simple strategy that can save your financial neck when you are unsure of how to respond intelligently to market turmoil.

For long-term investors, we suggest averaging the price of a stock for about 30 weeks (150 market days) and plotting this average on a daily basis. When this trend starts to turn down, it is a warning that the average performance of the stock for the most recent 150 days (ending today) is evidencing significant deterioration relative to the 150-day performance of the stock. This means that the deterioration in performance being witnessed goes beyond the mere day-to-day fluctuations experienced by every stock. Why is that? When we average price activity over 30 weeks or 150 days, the normal day-to-day fluctuations of the stock (which wave theorists refer to as "noise" because they obscure the more significant underlying waveforms) are reduced to insignificance (they are effectively factored out). This enables a person to see more clearly the underlying pattern of a stock's price movement.

There is another reason for using the 150-day moving average. One of our stockdisciplines.com traders has tested all single moving averages from the 3-day moving average to the 200-day moving average as the basis for a trading discipline. Tests were performed covering many years and thousands of stocks. Results for all stocks were combined for each moving average system. While the 200-day moving average does offer more support for a declining stock, trading with the 150-day moving average was the most profitable. It simply gave a greater amount of total profit (accumulating profits and losses from all stocks over many years) when we based buy and sell signals on this moving average. There are, of course, variations on other moving averages, combinations of moving averages and completely different systems that produce better results. However, all things being equal and considering only single moving averages (simple and exponential), the 150-day simple moving average was the most profitable in our tests.

What is the strategy? Buy when the stock is closing above the 150-day moving average and the 150-day moving average first turns up. Sell when the stock is closing below the 150-day moving average and the 150-day moving average first turns down. Instead of using the closing price relative to the 150-day moving average, you could use a 10-day moving average in order to reduce the number of false signals. Thus, you could buy when the 10-day moving average crosses above the 150-day moving average and the 150-day moving average begins to rise. You could sell when the 10-day moving average crosses below the 150-day average and the 150-day moving average begins to decline.

Market strategists know that it is wise to avoid investing in a stock against its prevailing trend because trends tend to persist. When the trend turns down on a stock, it may not turn up again until after the stock falls below . Why wait to see how far it will drop? Why not simply improve the position while you still have most of your money? Selling at a 20% loss and immediately moving on to a better situation may involve a little pain, but it is preferable to holding on to a declining stock that eventually loses 50% (and then to continue holding on to it for an additional two years while it recovers). Using the former approach, we could break even in six months or less. Using the latter approach, we might break even in two or three years (assuming that the stock indeed recovers). Therefore, we are suggesting for those who are not traders and who have no defined sell strategy, that they consider using a sell strategy based on the 150-day moving average and to use 20% as the maximum loss. If the system based on the 150-day moving average gets you out before a decline of 20% occurs, so much the better. If it does not get you out before the decline reaches 20%, then perhaps it is time to pull the plug anyway.

The 20% maximum loss is based on the assumption that the investor has at least 10 positions in his portfolio. That way, a 20% drop in any individual stock will cost the portfolio no more than 2%. Of course, you may decide to modify both the moving average system and the maximum allowable decline so that they better suit your own investment objectives and tolerance for risk. However, our own position is that risk is reduced when losses are kept small, because it is much easier to recover from a small loss than from a large one.

By using a strategy like the one outlined here, you have an answer to the original question. You will have a sell discipline that will get you out of a position most of the time before the loss becomes too great. However, if it does not, you will have a backup sell discipline that takes over. The market is sometimes quite confusing. The strategy outlined here will help you do what is necessary under the prevailing conditions. You may learn after the fact that the action you took was the wrong one. However, no system exists that is always right. Investors have to learn to accept the fact that wrong decisions are made by even the best traders. There is, however, one thing the best traders agree on and have in common. They all have a well-defined discipline, and they do not second-guess it.

Copyright 2012, by Stock Disciplines, LLC. a.k.a. StockDisciplines.com

Sunday, April 29, 2012

Teens Spending Money

Teenagers are big spenders. They see something they want, they have to have it. If they want a new computer, there's no stopping them from getting it. The problem with this is that it makes it harder for them to understand the difference between a need and a want.

If they get everything they want when they are younger, they might think it's a need when they are older. Or worse, they might not think of the important expenses such as bills as any more important then getting a brand new car. They need to understand what is important.

Teach your kids and teens how to manage their money

Teaching your kids how to manage their money is one of the best gifts you can give your kids. It can mean the difference between living a sound life without worrying about money and living paycheck to paycheck with a mountain of debt.

Money management is much more beneficial to them than simply deciding they just need to make a lot of money. Even people making six figures a year are in debt. It's our spending habits that get us into trouble, not the amount of money we make.

Teach them to plan

If you don't have the money, you can't buy something. When your teen get's his license, he'll want a car. Instead of just buying it for him, have him save for it. You can even decide to match what he'll save. In order for him to be able to afford this car, he'll need to plan out his purchase.

For big expenses and monthly expenses, teach your kids how to budget so that they can avoid taking out credit cards and building debt. If you don't have a budget yourself, make one so that you can be a good example and show your kids how to do it.

Teach them to track their expenses

With the Visa Buxx Card, your teens can track what they spend their money on. It's important that they know how they spend their money so that they can adjust it when they are planning. For example, if they need to save an extra per month to save for a new computer, they might notice that they spend that much on snacks that they don't really need to be buying.

Teen Spending is hard to get a hold of, but when you teach them right now, they can get off to a good start.

Home Equity Loans: How To Make The Most Of Your Equity

There is a myth that a mortgage simply drains income and traps homeowners into a long-term debt. But having a mortgage, and the home it was obviously used to buy, does not freeze your financial options. The commitment can lead to home equity loans to further enhance life and living.

Whether an applicant has a poor credit score or the perfect credit history, equity provides a highly valuable source of security when the need for large funds arrives. And because of the enthusiasm with which lenders greet equity as a form of collateral, the potential for securing loan approval on very large sums (say ,000 to 0,000) is actually extremely high.

However, criteria, conditions and limits also apply to these loans. Securing financing through home equity can have a positive impact but, as with all loans, must be repaid too. So, there are some issues that need to be understood before it is possible to make the most out of the opportunity.

What is Equity?

The first step to tapping into the full potential of a home equity loan is knowing what equity actually is. Equity is basically the share of the value of a property that is not accounted for by the mortgage, or any other loan.

For example, if a home is priced at 0,000, and a 10% down payment is made, then the required mortgage loan is 0,000. The equity on the home therefore, starts at ,000. This share of the home can then be used as collateral later on to help bad credit borrowers in securing loan approval.

And because the value of property is generally retained, financing through home equity is seen as the most reliable route to the funds that are needed.

Two Methods of Raising Equity

One of the biggest advantages of equity is that, unless there is a catastrophic occurrence in the property market, it continually grows. This means that regardless of the size of a home equity loan taken out, within a few years, more equity exists to help deal with any further problems.

There are two main ways in which equity grows. The most obvious is through the repayment of the mortgage loan. With each repayment made, a certain amount of the principal is bought back by the homeowner, thus increasing their equity on the home. So, the potential for securing loan approval returns every few years, once a large enough share of the mortgage is repaid.

The second way is through developments in the property market. For example, a home worth 0,000 in 2005, may be worth 0,000 today. So, the equity has increased over time, ensuring that financing through home equity is always possible.

Best Way to Find the Right Lender?

Of course, the terms and conditions that borrowers have to accept depend greatly on the lender that is chosen. While home equity loans are pretty straightforward to secure, there must be a proven ability to repay. Lenders generally charge low interest rates, so the repayments are always highly competitive.

But it is in the small print that the true value of a loan lies. Securing loan approval is half the battle, but if the right lender is found, the rest is made simple. Online lenders are easy to find, with comparison sites allowing fast analysis of the best offers available. It is a good idea to make a shortlist of four or five, then look more closely at what they have to offer.

Also, be sure to check their reputation with the Better Business Bureau before financing through home equity with them.

Saturday, April 28, 2012

Student Auto Loans With No Credit History Are Realistic Options

The idea that student loans only relate to college fees is not actually accurate. The fact is that students require many of the amenities and services that everyone else needs. Getting a car is sometimes necessary to get to and from campus, and the availability of student auto loans with no credit history required makes buying one possible.

As far as lenders are concerned, auto loans approved to students is a lot riskier than auto loans approved to the fully employed. But there are clear benefits in providing this kind of financing - not least the fact that these young students will be fully employed in the future, and be a valuable customer in the long run.

Of course, given the fact that approval on loans is never guaranteed, student auto loans without a credit score can only be secured if the application is properly prepared. There are also some compromises necessary.

What Having No Credit History Means

First of all, understanding what it is to have no credit history is important. It might seem that student auto loans with no credit history are a fantasy, but the fact is that no high school graduate has a credit history anyway. They have not taken out credit cards independently, but may have them only through their parents. Nor have they applied for a loan before since the law does not permit loans to individuals under the age of 18.

What this means is that there is no history of debts, so no history of debt repayments. Therefore, the credit agencies do not have a file on them. It might seem then that, in such circumstances, auto loans approved to students are a major risk. But different lenders take differing viewpoints.

On the one hand, students have no black marks against them, so there is little reason not to offer guaranteed student auto loans without a credit score. But on the other hand, these applicants have not proven their reliability, and so the risk is high.

Why Approval is Possible

For those lenders who see no evidence that a student applicant cannot be trusted, offering student auto loans with no credit is a fair business transaction. However, there are both positive and negatives to the whole deal.

The principal positive is that statistically, first time borrowers are more intent on starting on the right foot. Therefore, the likelihood of auto loans approved to students being repaid on time is quite high. It is a leap a faith, but there is a general recognition that everyone needs to start somewhere.

The chief negative aspect is that lenders will still protect their investment as best as they can, usually through collateral (the car) but often through a cosigner. So, as long as their money is guaranteed, student auto loans without a credit score are fine.

Terms to Watch Out For

Of course, the terms of any loan are highly important. For lenders offering student auto loans with no credit history, this is doubly important as terms can vary quite wildly. Generally, their credit score starts out on the low side, so auto loans approved to students will often have higher interest rates, while the sum available to borrow is also often quite low.

Still, because of competition between lenders, some special offers short of actual guaranteed student auto loans without a credit score are available. These can include cosigner-free terms, lower interest rates and even a delayed repayment scheme.

Be careful of the small print before signing any loan agreement, but getting student auto loans with no credit history is certainly not the fantasy some believe.

Friday, April 27, 2012

Get Yourself The Maximum Tax Benefit Under Section 80d Now!

If you want to know the answer to 'How do I benefit under section 80D?' - well, here it is. Prior to 2008, a tax payer was entitled to a deduction of Rupees 15,000/- for tax purposes for the actual premium of health insurance paid for a year for your family and parents. According to the amendments made in the 2008-2009 budget, taxpayers are now eligible to get a deduction of Rupees 15,000/- for your family and yourself, as well as an additional deduction of Rupees 15000/- for your parents. This amount can even go up to Rupees 20,000/- in case any of your parents are above 65 years of age.

Any individual can make a premium payment for himself, spouse and children, as well as their parents. Each single member of a family is entitled to enjoy health benefits and tax saving options for HUF as well.

Now, how can you avail this benefit? Well, health insurance premium payments offered by the General Insurance Corporation and sanctioned by the Central Government, or from any other IRDA approved general insurance company are allowed for deduction. You can get a health insurance policy from any company in the market, as long as they clearly mention that their policies are eligible for 80D benefits. You can buy your health insurance policy online with credit cards. The tax deduction would differ from policy to policy as they are concocted differently. Choose a policy which allows you maximum deduction.

Any pointers to keep in mind while buying a health policy? You can buy your health insurance policy online and save on money. Get an instant quote and calculate your premium rates through the tax calculator. See how much tax gains you can make on your policy.

The floater plan is ideal for families. Some insurance companies have innovative policies such as the family floater plan, which covers every single member of the family under the same sum insured. One single policy for the entire family! Sounds great isn't it?

Look out for unique coverages offered. The insurance companies are now providing unique coverages, apart from the standard mediclaim covers. example, there are policies covering dental expenses, outpatient department expenses etc.

You can save tax by purchasing a medical policy like Health Advantage Plus. Apart from offering good coverage options for your family, the Health Advantage Plus scheme gives you the maximum tax benefit you can avail u/s 80D. The premium of this policy has been designed to remain the same at RS 15,000 or Rs 20,000 with the sum insured changing every year calculated on determining factors. This way, you can get 100% deduction benefit under section 80D with a policy like this.

Thursday, April 26, 2012

Business Finance Problems and Solutions

One of the most important duties of a business owner is to solve problems. Some of these obstacles will be more critical than others, and prioritizing problems properly might be as important as formulating business solutions. Identifying problem areas accurately in the first place can also make the entire process more productive. No matter how successfully problems are identified and prioritized, the final test will require that they be solved in a timely and effective manner. But problem-finding, prioritizing and solving each have an important role in reducing the potential negative impact of business finance problems.

Of course some business owners might choose to employ the "putting out fires" strategy. With this approach there will not be a perceived need to identify and prioritize problems. Instead there will be a reactive action taken to each problem (the "fire") as it appears on the scene. Because there are fewer hands to do everything in smaller businesses, this haphazard method of tackling problems tends to be seen more regularly in a small business environment. However, as larger companies continue to go through one downsizing round after another, this practice is gradually creeping into the forefront in more business situations because of fewer and fewer employees to handle everything. While this might represent problem-solving in its least favorable light, it might also turn out to be what the majority of companies are forced to do by default.

Just as each manager probably has a different tolerance for risk, there are many different ways to approach problems. Ultimately it can be viewed as a test of how to manage resources that include both time and money. Creativity can play an important role because the old solutions are frequently not the best solutions. Creative approaches to problem solving can also help to minimize the impact of time and cost constraints. Business creativity can be especially helpful in rapidly-changing circumstances which produce new problems requiring new solutions.

Finding the problem areas is probably an under-rated management function. This particular task takes on a new level of importance when the external and internal environments are both changing in ways that are not familiar to even the most experienced managers. The bad news is that is precisely the chaotic kind of financial and economic circumstances which seem to be impacting most industries currently. Does that mean that many problems are now unsolvable because of what might appear to be unforeseen changes?

The most candid answer is a qualified "Probably not", although it should be acknowledged that a "moving target" is likely to be more difficult to hit than a stationary one. Companies will increasingly need to consider a wider range of alternative problem-solving strategies as the challenges become more complex and unpredictable. Even the appearance of unpredictability should not dissuade managers and business owners from continually searching for a better solution. Peter Drucker once observed that "The best way to predict the future is to plan it" because he felt that effective business planning could overcome even the unknown elements that will impact businesses in the future. With this mindset, the management goal would change from "putting out fires" to anticipating the fires and avoiding the fires.

Tuesday, April 24, 2012

Jewish Lawyers: A Legacy of Hard Work and Education

The recent nomination of Elena Kagan to be the newest Supreme Court Judge received criticism from conservative commentator Pat Buchanan, who questioned President Barak Obama's selection of Kagan, solely because she is a Jewish.

If Kagan is confirmed, Jews, who represent less than two percent of the U.S. population, will have 33 percent of the Supreme Court seats, Buchanan stated in a column for WorldNetDaily.

Although the comments from the former Nixon-advisor could be spun as anti-Semitic, there is no argument that Buchanan stumbles into an old stereotype; there are a lot of Jewish lawyers.

Before proceeding any further, it is important to stress the difference between the phrase sterotype and prejudice. A stereotype is a commonly held public belief about a specific group of people. It can be either true or false, and does not have to be one or the other. Prejudice is a prejudgment, preconceived opinion made without reason, and is more commonly negative due to high levels of ignorance. Therefore, while suggesting that there are a lot of Jewish lawyers, as this article intends to, may be interpreted as a stereotype, it in no way, shape, or form, could be interpreted as an anti-Semitic prejudice, and to suggest that it is would be in itself, overly sensitive and ignorant.

Now, back to the point: that there are a lot of Jewish lawyers. Ben Brafman, the attorney for Sean Combs, Plaxico Burress, and the late Michael Jackson, is Jewish. Marcia Clark, the prosecutor in the O.J. Simpson trial, is Jewish. The late Roy Cohn, the chief attorney for Joseph McCarthy, was Jewish. Even Judith Sheindlin, more commonly known as Judge Judy, is Jewish.

Additionally, there have been seven Jews on the United States Supreme Court (not including the likely-to-be-confirmed Kagan). So with recent Census totals estimated the Jewish-American population at under seven-million, which would equal approximately 2% of the entire United States population, it does not seem unreasonable to ask why have such a disproportionate number of American Jews become lawyers?

The high number of Jewish lawyers is typically attributed to the same reasoning behind the stereotype that a strong majority of Jews become doctors, government officials, and business executives: The Torah.

At a very young age, Jewish children are taught the importance of learning, a message emphasized in the Jewish Bible. The Torah commands for the people of Israel to be a light unto the nations, and one way that that is achieved is by seeking professional prominence, often times through the study and mastery of the Law.

The high number of Jewish lawyers has also been attributed to the centuries of being forcibly relocated from their homes. After all, knowledge and intellect are the rarest of things, for the reason that they cannot be taken away. With a long history of being at risk, the Jewish people have adopted a mentality that certain trades and professions will always be in need, regardless of the environment, and have therefore pushed themselves to strive for such professions.

So, to respond to traditionalist Catholic Pat Buchanan, yes, there are a lot of Jewish lawyers. Of course, stating that being Jewish is the one and only thing that Justice Stephen G. Breyer and soon-to-be Justice Kagan represent is ignorant, foolish, and a clear example of what it means to think like a bigot.

But yes, there are a disproportionate number of Jewish lawyers, and there will continue to be in the future. This is not a result of such anti-Semitic stereotypes such as greed, money-grubbing, or power-hungry assumptions. It is simply a compliment to the strong work ethic and importance in education preacher to young Jews through the Torah.

Monday, April 23, 2012

How to Counter Recession

While everyone lament shortage of money during recession, one sure shot way to be financial comfortable is often not heeded. The way is to reduce the expenses and needless purchases. The expenses may include foreign trips, home makeover or any new gadgets. Any purchase that is not essential and can be put off should be put off for the future when the cash flow is much better.

For most people, these times are trying and hard. The economy is not going to get better anytime soon and in fact, we may see a double dip very soon. So while government does it part to manage economy, we can help ourselves to make our lives tad easier in this downturn economy.

1) Love your Job: First casualties in recession are new jobs. Companies stop hiring new recruits and in fact lay off many jobs. At this time the best job is the job you are holding. So, stay put where you are working right now and work hard. Banish any thoughts of finding job in any other company and cement your position in your current job.

2) Cost Cutting: Cost cutting is just not for corporates. You too should avoid lifestyle purchases like new smart phones, laptops, play station etc.

3) No new Loans: Do not make any purchases which mean new Loans. New cars or house are a strict NO when there is no job guarantee. EMI may mean additional strain on your budget. In a scenario where you can be laid off or you may face salary cuts, this is suicidal.

4) No Risky Investments: This is a time for conserving your resources. Do not invest in risky avenues like equity. Only invest considering your risk appetite. If you are in a business, then hold off your business expansion plans. Slow market may mean that you won't get returns soon or as expected.

5) Insure yourself: Even in downturn you need health and term Life Insurance Plans. Make sure that in your absence, your family can live comfortably without any fear of future. One basic rule is to have a minimum of 12 times the annual income as life cover in a term plan.

6) Continue SIP: During the recession, the stock market also will be low. This is the time when you can get best shares at cheapest prices. Keep faith in SIP to minimize your loss. Do not stop systematic insurance plans as you will loss the advantage of cost averaging. Cost averaging has two facets - buying more when the market is low; growing all when the market is high. We buy more units for the same investment, as the units of the mutual funds at a lower NAV (Net Asset Value). By stopping the SIPs we loss out at the buying more stage. This will also mean that you lose out during grow-all stage as you will not have adequate units in your hands for them to grow.

7) Learn: During downturn, it's the survival of the fittest. Companies want the best people to maximize their expenses. Also, educating yourself all the while makes you much more prepared for the upturn.

A Magento Developer India Can Help In Building A Successful E-commerce Store

Magento is a latest open source ecommerce platform that can be customized as per your requirements. It offers flexibility and control over the functionality and appearance of an online store. Magento is the best ecommerce platform and is highly admired by merchandisers. With a good magento developers India one can built the best Ecommerce platform that helps in taking online business to its next level. Being an open source Magento is cheap and has rich features eCommerce solution that offers complete flexibility and control over the appearance and functionality of an online store.

magento development has taken on a large scale in India. Below listed are a few features that Magento has:

1.Site Management:
-> It can manage multiple stores and sites from one admin panel.
-> Supports multiple currencies
-> Supports localization
-> Upgrades with just one click
-> CMS for informational pages
->Flexible management of tax rates that supports both US and other international markets

2.Marketing promotions and tools
-> SEO friendly URL's
-> URL rewrites
-> Easy to view recently viewed and compared products
-> Upselling in shopping cart
-> Cross selling on product pages
-> Newsletter management
-> Polls
-> Bundled products
-> Discount and other flexible coupons that can be restricted to stores or to certain products and categories.
-> Auto generated site maps

3.Shipping:
-> With one order shipping can be done at multiple places
-> Tracking orders online
-> Flat shipping rates per order and per item
-> Rates as per weight of the product and destination

4.Catalog management :
-> Inventory management
-> Batch updates of products
-> Virtual products
-> Configurable as per color, size and brand.
-> Tax rates per location
-> Rewrites search results
-> Google base integration
-> RSS feed for low inventory alerts

5.Customer accounts:
-> Maintaining order status and history
-> Re-orders from account
-> Reviews of products submitted
-> Products tags submitted
-> Address book with unlimited addresses
-> Default billing
-> Default shipping addresses
-> Has newsletter subscription management
-> Order status
-> Order history
-> Ability to add comments

6.Product browsing:
-> Can view multiple products
-> Product reviews
-> Stock availability
-> Option for product selection
-> Has zoom in capability when it comes to product image
-> Upselling multi tier products

7.Payment:
-> Accepts checks
-> Accepts money orders
-> Accepts purchase orders
-> Integrated with Google checkout
-> Credit card method for offline payments

8.Offers payment extensions to:
-> Dibs payment
-> VCS
-> Safer
-> eWAY
-> Protx
-> Cybersource
-> Cash on delivery
-> Fontis secure pay
-> Ogone payment
-> Saferpay
-> Paybox
-> Servired
-> Bank Prepayment
-> VCS
-> Fontis paymate
-> Fontis SecurePay
-> Fontis Paymate Express
-> Fontis New Zealand

9.International support
-> Multi-lingual
-> Site registration
-> Supports multiple currencies
-> Has ability to specify each payment method

10. SEO friendly:
-> Google site map
-> Search engine friendly
-> Auto generated site map
-> Meta information on categories and products.

11.Customer service:

Apart from the above mentioned features a good Magento developer India also allows one to provide the best customer service by providing features such as:
-> Order status and history
-> Customizable order emails
-> Order tracking made easy from accounts
-> Order history
-> Contact us form and much more.

Magento development India has reached to its peak levels because there are companies that have a team of Magento developer India that helps in creating striking design that helps in building a successful ecommerce store that increases online business.

Friday, April 20, 2012

Payday loans no fax- Quick and easy financial support

Financial assistance with nothing to fax, no paper work, and no documents and with extremely fast approval, is it sounding unbelievable? It can be possible now with payday loans no fax. People who are staying on month to month salary and near the end of the month left with no money. The situation is not worth facing when your payday is still few weeks away and you necessitate cash urgently. Arrival of unexpected bills left you in bad situation. These loans provide you quick and hassle free financial assistance without any delay.

These loans can be available with online facilities to provide you prompt and fast execution. Many lenders provide payday loans no fax with ease of online mode. With this loan, you can arrange short term cash advance at the competitive rate of interests. You need to fill few minutes' application form with requisite details. The amount you have borrowed will directly get deliver to your checking account. The application is free of cost without any hidden charges.

With the short term and unsecured nature, you may need to pay higher interest rate compare to other sources. In the absence of collateral many lenders' demand larger interest rate for their benefit but you can search out the best deal online with lower interest rates.

If you are bothering about your credit history, do not worry as lender does not concern about your credit scores. You can now get rid of the hassle of credit screening criteria. Presence of any type of defaults doesn't matter with the approval like CCJ's, IVA, bankruptcy, insolvency, arrears, late payment and so on.

Whenever you are facing any unexpected emergency between the mid of the month and don't possess enough money, avail instant payday loans. The borrower can meet any of his needs without any obligation by the lender. Your expenses may include personal or professional such as:

-Unexpected medical treatment -Sudden car breakage -Small business expenses -Entertainment expenses -Paying child education fee -Grocery bills -Electricity bills etc.

These are small and short term loans which avail you rapid financial help. The amount you can avail can be in the range from 100 to 1500 pounds and repayment period is within 14- 21 days. You can benefit with the repayment extension but the interest rate will start roll on.

With payday loans no fax, you can find a great financial resort with easy financial service. You can sort out all your real cash problems and bridge your payday's gap with easy funding service.