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Money Savings Tip #24

Gold awaits US data, eyes higher finish

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Gold prices advanced towards its biggest weekly gains in two months as traders await a key US data for more clues. Gold for immediate delivery was seen trading at $ 1195.43 an ounce at 12.00 noon Singapore time while U.S. gold futures for December delivery was at $1198 an ounce. on the comex division of Nymex.

Analysts said the US data on employment is likely to show negative results that could benefit the precious yellow metal to end the week on a high note. Meanwhile ETF holdings rose for the first time since mid-July on a weak dollar and high wheat prices that triggered concerns of inflation worries.

The world's largest gold-backed exchange-traded fund, SPDR Gold Trust said its holdings rose to 1,282.746 tonnes by August 5 from 1,281.834 tonnes on Aug 4. The holdings hit a record 1,320.436 tonnes on June 29. Silver for immediate delivery was little changed at $18.345 an ounce and platinum traded at $1571.90 an ounce after falling as much as 0.6 per cent to $1,563 an ounce. Palladium declined 0.3 per cent to $495.75 an ounce

On Thursday, Gold extended its gains to settle higher for a seventh straight day as physical buying on China's decision to expand its market for the metal and weak U.S. jobs data made it an attractive safe haven. Gold for December delivery, the most actively traded contract, settled up $3.40, or 0.3%, at $1,199.30 an ounce.

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Money Savings Tip #23

Gold stays up on bargain hunting

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Gold prices edged up in Asian trade Thursday but holdings on the ETF fell marginally.Gold for immediate delivery was seen trading at $1194.77 an ounce at 12.00 noon Singapore time while U.S. gold futures for December delivery was at $1,196.5 an ounce on the comex division of Nymex.

The world's largest gold-backed exchange-traded fund, SPDR Gold Trust, said its holdings fell to 1,281.834 tonnes by August 4 from 1,282.279 on July 28. The holdings hit a record at 1,320.436 tonnes on June 29.Analysts said the precious yellow metal edged up on bargain hunting after prices slipped below $1,200 an ounce but firm stock markets were likely to weigh.

However, they said traders await the release of more data from the United States, particularly the payrolls report, which will offer clues on the health of the economy.The greenback was mostly higher in Asia on Thursday after U.S. economic data beat the market's low expectations and sparked a bout of short-covering, though the overall mood remains bearish into the key payrolls report.

Gold has weakened 5.6 per cent since reaching a record $1265.30 an ounce on June 21 as investor interest in the metal moderated amid signs of improvement in the global economy.On Wednesday, gold rose, capping the longest rally since November, on speculation that China's plans to relax rules on trading will bolster demand.

Gold futures for December delivery rose $8.40, or 0.7 per cent, to close at $1195.90 on the Comex in New York.Silver futures for September delivery slipped 14.4 cents, or 0.8 per cent, to $18.278 an ounce in New York, after reaching $18.70, the highest price since June 30.Platinum futures for October delivery dropped 90 cents, or 0.1 per cent, to $1586.20 an ounce. Palladium futures for September delivery declined $6.30, or 1.2 per cent, to $500.15 an ounce.

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Money Savings Tip #22

World looks towards India for Jewelry boom !

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China's extreme economic growth rates were met by both cheerleaders and detractors, many of whom were afraid that the real estate expansion was just another repeat of the US growth from 2002-2007. One of the key elements of the Chinese economic situation is its impact on precious metals, with many analysts stretching the news to say that a Chinese slowdown is bad for metals. But how? The greater impact on metals comes from India.

India remains as one of the leading buyers of foreign gold and silver for use in its jewelry operations. The key ingredient to the demand, however, is largely dependent on natural factors, not on economic factors.The annual monsoons are important piece of the Indian economy. Weak rains mean poor farm business, while strong rains from the wild winds bring economic prosperity. This year, India hit the jackpot, and silver demand in the second half and later looks to be better than ever.

Traders now expect that the Indian market will buy more than the 1,000 tons of silver purchased in 2009, and expectations are as lofty as 1,200-1,500 tons. Such a volume of growth, particularly in a fixed supply market like silver, often brings higher prices.

To Indian consumers and investors, gold and silver are more than your average aluminum foil. Everyone from the ultra-wealthy to sustenance farmers view precious metals as something sacred and beautiful, and most of them also view it as an attractive investment that has a strong hedge against inflation and economic fallout.The summer months usually bring weak consumption numbers, as farmers divert resources to purchasing pieces of equipment and seeds to plant their farms. This year, however, it wasn't internal growth that buoyed India's precious metals trade. In fact, India's jewelry exports in June 2010 rose by a whopping 30.4% in June alone. This type of growth, especially if it is later sustained by internal consumption, is all the better for precious metals investors.

Where Investment Theory Fails Metals

Investors have long believed that it is not so important to pick individual winners as it is to be in the right sectors or places at the right time. That kind of thinking has run rampant in recent years, as exchange-traded funds and niche products push investment dollars away from individual picks and plays and into whole baskets of funds that target specific countries and sectors.While investors lay on the sidelines worried about what may happen with Chinese real estate and consumer-level growth, precious metals investors are poised to pick up the profits regardless of what happens.

As it is, India is exponentially more important to silver and gold than China, and the two countries, despite being neighbors in the Asian arena, aren't all that interconnected. Indo-China trade accounts for roughly $60 billion annually compared to a total productive output in India of $1.16 trillion. Even a near collapse in the Chinese economy (which is still growing, despite recent weakening) would have only a minor effect on the stability of the Indian economy, as well as the demand for silver and gold. Fear the news...it is lying to you.

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Money Savings Tip #21

Gold steadies in thin Asian trade

"SEARCH MCX NCDEX TRADING TIPS BLOG" IN GOOGLE FOR COMMODITY TIPS
Gold steadied in thin Asian trade Tuesday as reports of economic recovery and strong stocks countered weak dollar.Spot gold was seen trading at $1182.18 an ounce at 12.30 p.m Singapore time while US futures for December delivery hardly moved at $1,185 an ounce.Silver for immediate delivery decreased 0.2 percent to $18.3375 an ounce, and palladium climbed 0.5 percent to $511.30 an ounce. Platinum fell 0.7 percent to $1,590.75 an ounce.Earlier, the yellow metal rose to near a 1-week high as a weak dollar spurred buying from investors, while jewellers were also expected to snap up the metal ahead of the festive season.

However, analysts said trading was thin ahead of a trail of U.S. data such as June personal income.The greenback was hovering near a three-month low against a basket of currencies on Tuesday on worries the U.S. growth outlook is deteriorating and could force the Federal Reserve to keep interest rates low.

Meanwhile, world's largest gold-backed exchange-traded fund, SPDR Gold Trust, said its holdings were unchanged at 1,282.279 tonnes, down nearly 3 percent from a record of 1,320.436 tonnes in late June 29.On Monday, spot gold rose as high as $1,190.40 an ounce.U.S. gold futures for December delivery settled up at $1,185.40.

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Money Savings Tip #20

Technical View on Nifty(22nd July ‘10)

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Nifty is trading in the horizontal trading range from last few trading sessions. In the downside it is getting good support close to the level of 5350. Closing below this support may further create some weakness in it. Still technically it is looking strong & one may expect the up trend to continue in the market. For trading strategy we already recommended that one should buy Nifty Future at every dip until it close below 5300 for the targets of 5450, 5500.

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Money Savings Tip #19

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Technical View on Nifty(21st July ‘10)

Nifty witnessed a correction from the higher levels & in the end closed near to the support zone of 5350 to 5355. In the downside the next crucial support zone seems to be around the levels of 5290 to 5300. Decisive closing below this support zone may drag it till the lower levels of 5200 to 5205 in near term. We recommend that until it close below 5300 one may go for buy on dips in it for the upside targets of 5450, 5500 in near term.

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Money Savings Tip #18

WEEKLY AGRI REPORT (JUL 12- JUL 17)
Spices Gain On Fresh Buying!
DEMAND IMPROVE MARGINALLY IN JEERA
Improved domestic demand will keep the prices firm in the near term. Significant demand from the overseas is expected to be placed if the Jeera prices of Syria are quoting at higher rates. This will support prices to strengthen in the short term (till July). Reduced stocks of Jeera at the NCDEX warehouses are also supporting the prices. Jeera price quotesoffered by Syria, Turkey and India in the international market will determine the price trend in the medium term to long term (August) onwards. Further, prices will depend on the demand from the overseas and domestic buyers and stocks of Jeera with the major producers.Jeera prices in the intraday will trade bullish due to improved buying by the market participants. In the short term (till July), trend will depend on Jeera price parity of various origins in international market. In the medium to long term (August onwards) prices are likely to take cues from stocks with major producing nation such as India, Syria and Turkey.
GUAR LOOKS FIRM THESE DAYS
Reports of inadequate rainfall in the some of the major Guar growing areas are providing support to the prices. According to the market participants expected shift by the farmers to other crops such as pulses and Bajra (due to increase in the MSP and high profits earned in the last year) will provide support to Guar prices in medium term. Further,scarcity of Guar and Guar gum due to lower production of Guar in the previous year will support prices in the medium term. Sowing of Guar commences in July following the first showers of monsoon in June. Rajasthan contributes around 50% of the total production while Haryana has a share of 25% and remaining 25% comes from Gujarat, Punjab, Madhya Pradesh and Uttar Pradesh. Thus, in the long term prices will takes cues from sowing progress and crop status in the above major growing areas. Guar seed futures in the intraday are likely to trade sideways to bullish on account of inadequate rainfall in the major guar growing areas. Short term (till July), prices will depend on the advancement of monsoon into the interior parts of India. In the medium to long term (August onwards), prices will depend on the sowing progress of Guar and demand from the overseas buyers for Guar gum.
SOYBEAN FALL ON BETTER RAIN FALL
August Soybean futures ended in red due to monsoon rain in major parts of Madhya Pradesh amid better carry over stock of Soybean with farmers are in favor of bears. As per market participants (farmers,traders and stockists) Soybean sowing acreage picked-up rapidly and it will caps the prices on higher side. CBOT August Soybean futures ended higher at $ 9.67/bushels on Wednesday, up 27 cents/bushels as compared to previous close. CBOT August Soybean meal futures ended higher at $ 293.70/tonnes on Wednesday, up $7.00/tonnes ascompared to previous close. As per US traders, Soybean futures surged sharply due to deterioration in the US Soybean crop in the USDA's latest Crop Progress report. In the intraday, Soybean prices are expected to open higher due to firm overseas market on account of adverse weather for soybean in US, which is largest producer in the world. However, monsoon rain in major producing states picked up in sowing acreage amid favorable weather and better carry over stock this year as compared to last year may keep selling pressure in medium term.
CHANA MAY GAIN ON BOTTOM PHISHING
Llower price quotes of Chana in the domestic market may induce stockists to go for improved buying at lower levels. This will support prices to strengthen in the coming weeks (till July). Prices in medium term (till August), will trade sideways to bullish due to demand from the domestic buyers ahead of festival season. However, rains in Maharashtra in previous week will boost the acreage towards other pulses particularly Urad and Tur. This will be unfriendly for the Chana price trend in long term (October onwards). Also, in the long term bumper crop of Chana in the year 2009-2010 coupled with good carryover stocks will cap the upside in prices. Production of Chana in 2009-2010 is estimated at 7.38 million tonnes as compared to 7.06 million tonnes in 2008-09. In the intraday Chana futures are likely to trade sideways to bullish due to buying by the local stockists. Prices in the short term (till July), will depend on the crop growth status in Canada, one of the major suppliers of yellow peas and demand from the local stockists as prices are quoting at lower levels. In the long term (August onwards), prices may take cues from the prices of other pulses.

For More Updates, Search “MCX NCDEX TRADING TIPS BLOG” In google .

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Money Savings Tip #17

WEEKLY COMMODITY REPORT Jul (12-17)

Base Metals Up On Higher Equities, Euro!

"GOLD RISES 1.5 PCT, CONSISTENT SELLING CAPS HIGH"

U.S. Gold futures finished Friday at their highest close in four days, but gains were held in light volumes and sellers at $1,210 an ounce. Gold briefly rose 1.5 percent to four-day highs $1,210 an ounce on Friday, but selling around that level kept price gains capped. Uncertaint surrounds the global economy and slow summer trading sessions kept prices, both in precious metals as well as correlated markets such as equities in check. Spot Gold advanced to $1,209.05 an ounce from previous session's late quote in New York at $1,196.48 an ounce. Earlier, it touched $1,213.35, its highest since July 5 against $1,196.48 late Thursday trade. U.S. gold futures for August delivery firmed $13.70 to settle at $1,209.80 on the New York Mercantile Exchange's COMEX division, and earlier hit a four-day high at $1,214.10. Holdings of the world's largest gold- backed exchange-traded fund, New York's SPDR Gold Trust, slipped again on Thursday, dipping 0.445 tonnes to 1,316.036tonnes. The fund's holdings have retreated 4.4 tonnes from the record 1,320.436 tonnes they stood at in late June, as the safe haven-related inflows seen in recent months dried up.

"OIL TOPS $76 IN CHOPPY TRADING, POSTS WEEKLY AGAIN"
Oil prices topped $76 per barrel on Friday on demand optimism, posting the biggest “OIL TOPS $76 INweekly increase since late May after a choppy low volume trading session. U.S. Crude fo August settled up 65 cents or 0.86 percent to $76.09 per barrel in a volatile session,closing the week with a 5.5 percent gain -- the biggest weekly jump since the week to May 28. Prices jumped as much as $1 to $76.48, the highest intra-day price since Jun 30, slipping in and out of negative territory before settling up. Trading volumes for the front-month contract were at their lowest levels since early last week. U.S. equities markets closed up as investors eyed corporate earnings season that unofficially kicks off on Mondays. The S&P 500 index closed up 0.72 percent while the Dow Jones Industrial average rose 0.58 percent, helping the principal U.S. stock indices post an increase of more 5 percent for the week their best week in a year. Investors often see rising equities markets as a sign of economic growth, which generally spurs demand for oil. U.S. Crude was still below a 19-month peak above $87 reached in early May, having rebounded sharply from a trough below $65 on May 20. Crude inventories in the United States dropped 5 million barrels last week, more than twice as much as expected, the Energy Information Administration said. Markets awaited Chinese trade data, to be published on Saturday, for further price direction. Year-on-year import and export growth probably slowed last month from the sizzling pace set in May, in large part reflecting a higher base of comparison as the global recovery gained strength around the middle of last year.

"U.S. COPPER ENDS AT 2-WK TOP, EYES CHINA IMPORT DATA"
U.S. copper futures closed up a two-week top on Friday, driven by improving economic sentiment and expectations that demand from China, the world's biggest consumer remained robust in June. Copper for September delivery rose 3.80 cents, or 1.3 percent,to finish at $3.0535 per lb on the COMEX metals division of the New York Mercantile Exchange. Market momentum additionally fueled by expectations of rising copper imports into China before scheduled release of data on Saturday. London Metal Exchange metal stocks fell by 2,100 tonnes to 436,900 tonnes, their lowest since November 2009. Deliverable copper inventories in warehouses monitored by the Shanghai Futures Exchange fell 6 percent to117,459 tonnes from 124,558 tonnes a week earlier.Copper stocks on warrant down 1,226 tonnes to 26,245 tonnes. COMEX Copper inventories declined 47 short tons to 101,235 short tons as of Thursday. Copper gains buck weaker tone in euro versus dollar, after round of profit-taking in the single currency from more than 2-month peak. LME copper for three-month delivery closed at $6,769 per tonne from Thursday close at $6,610 a tonne.

For More Updates , Search "MCX NCDEX TRADING TIPS BLOG" In Google .

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Money Savings Tip #16

NIFTY
Mode-Flat
RESISTANCE-5038/5056/5085
SUPPORT-5002/4984/4955
SENSEX
Mode-Flat
Resistance-16798/16854/16947
Support-16686/16630/16537
Above resistance= Strong
Below support =Weak
If NIFTY breaches 5056 and stays above 5038 with good volume then NIFTY may see 5080.If Nifty breaches 4984 and stays below 5002 then NIFTY trend is bearish.Then expected lower target is 4960.
If SENSEX breaches 16854 and stays above 16798 with good volume then possible upper target is 16940.If Sensex crosses 16630 and stays below 16686 level then Sensex trend is bearish.Then expected lower target is 16540.

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Money Savings Tip #15

Trackash.com:

Best way to manage money..
2)trackash helps to manage money and keep within budget and also saves money
3) We can record expenses easily..
4) We can manage expenses with trackash
5) we can record the expenses as soon as we make them
6) we can save time(we don’t need to spend extra hours in spending time to record receipts and preparing reports because everything u spend can be recorded as soon as you make them..
7) Save money: as soon as we spend money we can record them and so with a copy of your budget handy there will be no more forgetting of cash expenses and submitting late reports or invoices
8) Keep the list handy.. and export to PDF which is very easy for viewing sending or printing easier
9)export to RSS and you can keep up to date with anything involving money..

10)We can learn how to financially smart
11)Trackash helps and gives u tricks and tips to save money and keep in budget..
12)Trackash helps to track the expenses spent on usual things..this is very helpful to track the expenses to stay in budget..
13) We can make recording, organizing and analyzing the expenses easier and also conveniently..
14)tools helps you to log and categorize each expense..it automatically summarizes expenses and allow to review expenses

Its basic functionalities are free but to get advance futures we need to upgrade the account

Shared by: Trackash
1

Money Savings Tip #14

If you enjoy a glass or two in these tough times (and who doesn't?), instead of expensive champagnes to entertain your guests - try some sparklers from Italy. Their vines have been around for a long time & they have the passion & knowledge to make great fizzy. Whilst they don't have snob value, many taste delicious. If you shop at Tesco Wines, search for special offers, you will often get your hands on some great bottles at 50% off. Cheers!

Shared by: mejstone1
0

Money Savings Tip #13

Most directory enquiries services charge to find you a telephone number. However, if you dial 0800 100100 from a landline, you will get it for free – you just have to listen to a short ad before you get the number.

Shared by: sestone
0

Money Savings Tip #12

Travel insurance renewal is due so one would normally just renew for convenience but why do that if you are not going on holiday just yet? You are wasting cover which you are not going to use. Wait until you have a holiday booked before you renew your policy and always phone and say you have a better deal elsewhere and they will need to improve on their premium to keep you as another vlaued customer for a further year.

Shared by: sestone
0

Money Savings Tip #11

Check your bank account statement every week. Most people don't, but, trust me, banks make mistakes and over charge with alarming frequency. Just 10 minutes a week will ensure that you never lose your hard earned cash. It is easy to set up online statements with most banks & this way you won't get charged an admin. fee.

Shared by: mejstone1
0

Money Savings Tip #10

Pay off your most expensive credit card first. The one with the highest APR. When that's paid off, work your way back. You'll be amazed how much you'll save.

Shared by: Snow Angel
1

Money Savings Tip #9

Grocery shopping online - this is not just convenient, it saves you money too. After choosing all your items, you can then confirm your order before you pay and it is at this point that you can make sure you are on budget for what you can afford that week. If you have over spent, simply deselect a few of those luxury items or choose a cheaper supermarket own brand option (for non food items I have found these to be just as good). By shopping this way, it gives you the chance before you proceed to 'checkout' to buy what you can afford. You cannot do this at a check out in a supermarket!

Shared by: sestone
0

Money Savings Tip #8

Times are tough but if you can, over pay on your mortgage. If you are used to the pain of your monthly mortgage but have seen payments fall dramatically in recent months, resist the temptation to fritter away the saving each month. Instead, continue the payment as it was say a year ago. You will be amazed how you start to chip away at your mortgage & could save yourself thousands of pounds in the long run. Let's face it, you will earn next to nothing in a savings account at the moment.

Shared by: mejstone1
0

Money Savings Tip #7

Write things down! Sounds basic but how many people actually do a budget of monthly out goings v income? Do a list of mortgage / rent, council tax, gas, elec etc and put the amount next to it. You will then have a clear indication from your monthly income, minus these costs, what you have left each month to spend on extras, going out etc. This will help you stay in budget, hopefully! Put the budget sheet in a visible place such as the fridge door, notice board so it is there to remind you of your budget.

Shared by: sestone
1

Money Savings Tip #6

Have you met any poor Accountants recently? No, I thought not. So, follow their advice. When they buy a car they frequently go for what's called a Personal Contract Purchase (PCP). Here's how it works: It's designed to be a personal contract for private individuals. It's therefore classed as a conditional sale agreement & offers you protection under the Consumer Credit Act. In a nutshell, it's a great way to avoid the dreaded depreciation trap. This is when a car's value plummets, the minute you drive out of the showroom & wipes that grin off your face! A PCP agreement allows you to set up a contract term, with monthly payments. At the end of the term, you have the flexibility to either purchase the vehicle, take out a new agreement or simply hand it back & walk away. It allows you to budget, as you have fixed costs; haggle, as the dealer wants you to take up the deal & enjoy your motoring, as you won't fall foul of the evil Dr Depreciation!

Shared by: mejstone1
2

Money Savings Tip #5

If you are thinking about that new car purchase whilst deals are good, timing is everything. Most dealers work to quarterly targets. Not always, but typically, Q1 - end of March, Q2 - end of June etc. Car manufacturers have targets too from their parent company as factories have to keep the car production lines running. So, approach a dealer in the last month of a quarter and be prepared to haggle! If your new car sale is the one to clinch the dealer's quarterly target, you are in luck - your friends will be green with envy at your savvy powers.

Shared by: mejstone1
1

Money Savings Tip #4

If you are a Tesco clubcard holder and receive your reward vouchers quarterley, do not spend them in the store as you receive more reward spend for your vouchers by spending with one of Tesco's reward partners. As an example, if you receive £10 tesco clubcard vouchers and want to treat yourself to a meal, for every £10 of Tesco vouchers gives you £40 worth of clubcard reward tokens for restaurants such as Pizza Express. Log on to www.tesco.com/clubcard and select 'spend my vouchers / reward partners' for a list of where you can spend.

Shared by: sestone
1

Money Savings Tip #3

If your car or home insurance is coming up for renewal, instead of going through to the renewal section, go through to cancellations and say you have had a better deal elsewhere. This department will then offer better discounts on your renewal as they do not want to lose you as a customer, so 9 times out of 10 you save more money on your renewal premium.

Shared by: sestone
1

Money Savings Tip #2

Only spend what you can afford - don't over spend.

Shared by: Talk About Money
0

Money Savings Tip #1

Always open your bank statements and bills. Sounds crazy, but lots of people don't.

Shared by: Talk About Money
0

Money Savings Tip #6

Have you met any poor Accountants recently? No, I thought not. So, follow their advice. When they buy a car they frequently go for what's called a Personal Contract Purchase (PCP). Here's how it works: It's designed to be a personal contract for private individuals. It's therefore classed as a conditional sale agreement & offers you protection under the Consumer Credit Act. In a nutshell, it's a great way to avoid the dreaded depreciation trap. This is when a car's value plummets, the minute you drive out of the showroom & wipes that grin off your face! A PCP agreement allows you to set up a contract term, with monthly payments. At the end of the term, you have the flexibility to either purchase the vehicle, take out a new agreement or simply hand it back & walk away. It allows you to budget, as you have fixed costs; haggle, as the dealer wants you to take up the deal & enjoy your motoring, as you won't fall foul of the evil Dr Depreciation!

Shared by: mejstone1
2

Money Savings Tip #15

Trackash.com:

Best way to manage money..
2)trackash helps to manage money and keep within budget and also saves money
3) We can record expenses easily..
4) We can manage expenses with trackash
5) we can record the expenses as soon as we make them
6) we can save time(we don’t need to spend extra hours in spending time to record receipts and preparing reports because everything u spend can be recorded as soon as you make them..
7) Save money: as soon as we spend money we can record them and so with a copy of your budget handy there will be no more forgetting of cash expenses and submitting late reports or invoices
8) Keep the list handy.. and export to PDF which is very easy for viewing sending or printing easier
9)export to RSS and you can keep up to date with anything involving money..

10)We can learn how to financially smart
11)Trackash helps and gives u tricks and tips to save money and keep in budget..
12)Trackash helps to track the expenses spent on usual things..this is very helpful to track the expenses to stay in budget..
13) We can make recording, organizing and analyzing the expenses easier and also conveniently..
14)tools helps you to log and categorize each expense..it automatically summarizes expenses and allow to review expenses

Its basic functionalities are free but to get advance futures we need to upgrade the account

Shared by: Trackash
1

Money Savings Tip #10

Pay off your most expensive credit card first. The one with the highest APR. When that's paid off, work your way back. You'll be amazed how much you'll save.

Shared by: Snow Angel
1

Money Savings Tip #7

Write things down! Sounds basic but how many people actually do a budget of monthly out goings v income? Do a list of mortgage / rent, council tax, gas, elec etc and put the amount next to it. You will then have a clear indication from your monthly income, minus these costs, what you have left each month to spend on extras, going out etc. This will help you stay in budget, hopefully! Put the budget sheet in a visible place such as the fridge door, notice board so it is there to remind you of your budget.

Shared by: sestone
1

Money Savings Tip #5

If you are thinking about that new car purchase whilst deals are good, timing is everything. Most dealers work to quarterly targets. Not always, but typically, Q1 - end of March, Q2 - end of June etc. Car manufacturers have targets too from their parent company as factories have to keep the car production lines running. So, approach a dealer in the last month of a quarter and be prepared to haggle! If your new car sale is the one to clinch the dealer's quarterly target, you are in luck - your friends will be green with envy at your savvy powers.

Shared by: mejstone1
1

Money Savings Tip #4

If you are a Tesco clubcard holder and receive your reward vouchers quarterley, do not spend them in the store as you receive more reward spend for your vouchers by spending with one of Tesco's reward partners. As an example, if you receive £10 tesco clubcard vouchers and want to treat yourself to a meal, for every £10 of Tesco vouchers gives you £40 worth of clubcard reward tokens for restaurants such as Pizza Express. Log on to www.tesco.com/clubcard and select 'spend my vouchers / reward partners' for a list of where you can spend.

Shared by: sestone
1

Money Savings Tip #3

If your car or home insurance is coming up for renewal, instead of going through to the renewal section, go through to cancellations and say you have had a better deal elsewhere. This department will then offer better discounts on your renewal as they do not want to lose you as a customer, so 9 times out of 10 you save more money on your renewal premium.

Shared by: sestone
1

Money Savings Tip #24

Gold awaits US data, eyes higher finish

Search "Mcx Ncdex Trading Tips Blog" In Google

Gold prices advanced towards its biggest weekly gains in two months as traders await a key US data for more clues. Gold for immediate delivery was seen trading at $ 1195.43 an ounce at 12.00 noon Singapore time while U.S. gold futures for December delivery was at $1198 an ounce. on the comex division of Nymex.

Analysts said the US data on employment is likely to show negative results that could benefit the precious yellow metal to end the week on a high note. Meanwhile ETF holdings rose for the first time since mid-July on a weak dollar and high wheat prices that triggered concerns of inflation worries.

The world's largest gold-backed exchange-traded fund, SPDR Gold Trust said its holdings rose to 1,282.746 tonnes by August 5 from 1,281.834 tonnes on Aug 4. The holdings hit a record 1,320.436 tonnes on June 29. Silver for immediate delivery was little changed at $18.345 an ounce and platinum traded at $1571.90 an ounce after falling as much as 0.6 per cent to $1,563 an ounce. Palladium declined 0.3 per cent to $495.75 an ounce

On Thursday, Gold extended its gains to settle higher for a seventh straight day as physical buying on China's decision to expand its market for the metal and weak U.S. jobs data made it an attractive safe haven. Gold for December delivery, the most actively traded contract, settled up $3.40, or 0.3%, at $1,199.30 an ounce.

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0

Money Savings Tip #23

Gold stays up on bargain hunting

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Gold prices edged up in Asian trade Thursday but holdings on the ETF fell marginally.Gold for immediate delivery was seen trading at $1194.77 an ounce at 12.00 noon Singapore time while U.S. gold futures for December delivery was at $1,196.5 an ounce on the comex division of Nymex.

The world's largest gold-backed exchange-traded fund, SPDR Gold Trust, said its holdings fell to 1,281.834 tonnes by August 4 from 1,282.279 on July 28. The holdings hit a record at 1,320.436 tonnes on June 29.Analysts said the precious yellow metal edged up on bargain hunting after prices slipped below $1,200 an ounce but firm stock markets were likely to weigh.

However, they said traders await the release of more data from the United States, particularly the payrolls report, which will offer clues on the health of the economy.The greenback was mostly higher in Asia on Thursday after U.S. economic data beat the market's low expectations and sparked a bout of short-covering, though the overall mood remains bearish into the key payrolls report.

Gold has weakened 5.6 per cent since reaching a record $1265.30 an ounce on June 21 as investor interest in the metal moderated amid signs of improvement in the global economy.On Wednesday, gold rose, capping the longest rally since November, on speculation that China's plans to relax rules on trading will bolster demand.

Gold futures for December delivery rose $8.40, or 0.7 per cent, to close at $1195.90 on the Comex in New York.Silver futures for September delivery slipped 14.4 cents, or 0.8 per cent, to $18.278 an ounce in New York, after reaching $18.70, the highest price since June 30.Platinum futures for October delivery dropped 90 cents, or 0.1 per cent, to $1586.20 an ounce. Palladium futures for September delivery declined $6.30, or 1.2 per cent, to $500.15 an ounce.

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Money Savings Tip #22

World looks towards India for Jewelry boom !

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China's extreme economic growth rates were met by both cheerleaders and detractors, many of whom were afraid that the real estate expansion was just another repeat of the US growth from 2002-2007. One of the key elements of the Chinese economic situation is its impact on precious metals, with many analysts stretching the news to say that a Chinese slowdown is bad for metals. But how? The greater impact on metals comes from India.

India remains as one of the leading buyers of foreign gold and silver for use in its jewelry operations. The key ingredient to the demand, however, is largely dependent on natural factors, not on economic factors.The annual monsoons are important piece of the Indian economy. Weak rains mean poor farm business, while strong rains from the wild winds bring economic prosperity. This year, India hit the jackpot, and silver demand in the second half and later looks to be better than ever.

Traders now expect that the Indian market will buy more than the 1,000 tons of silver purchased in 2009, and expectations are as lofty as 1,200-1,500 tons. Such a volume of growth, particularly in a fixed supply market like silver, often brings higher prices.

To Indian consumers and investors, gold and silver are more than your average aluminum foil. Everyone from the ultra-wealthy to sustenance farmers view precious metals as something sacred and beautiful, and most of them also view it as an attractive investment that has a strong hedge against inflation and economic fallout.The summer months usually bring weak consumption numbers, as farmers divert resources to purchasing pieces of equipment and seeds to plant their farms. This year, however, it wasn't internal growth that buoyed India's precious metals trade. In fact, India's jewelry exports in June 2010 rose by a whopping 30.4% in June alone. This type of growth, especially if it is later sustained by internal consumption, is all the better for precious metals investors.

Where Investment Theory Fails Metals

Investors have long believed that it is not so important to pick individual winners as it is to be in the right sectors or places at the right time. That kind of thinking has run rampant in recent years, as exchange-traded funds and niche products push investment dollars away from individual picks and plays and into whole baskets of funds that target specific countries and sectors.While investors lay on the sidelines worried about what may happen with Chinese real estate and consumer-level growth, precious metals investors are poised to pick up the profits regardless of what happens.

As it is, India is exponentially more important to silver and gold than China, and the two countries, despite being neighbors in the Asian arena, aren't all that interconnected. Indo-China trade accounts for roughly $60 billion annually compared to a total productive output in India of $1.16 trillion. Even a near collapse in the Chinese economy (which is still growing, despite recent weakening) would have only a minor effect on the stability of the Indian economy, as well as the demand for silver and gold. Fear the news...it is lying to you.

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Money Savings Tip #21

Gold steadies in thin Asian trade

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Gold steadied in thin Asian trade Tuesday as reports of economic recovery and strong stocks countered weak dollar.Spot gold was seen trading at $1182.18 an ounce at 12.30 p.m Singapore time while US futures for December delivery hardly moved at $1,185 an ounce.Silver for immediate delivery decreased 0.2 percent to $18.3375 an ounce, and palladium climbed 0.5 percent to $511.30 an ounce. Platinum fell 0.7 percent to $1,590.75 an ounce.Earlier, the yellow metal rose to near a 1-week high as a weak dollar spurred buying from investors, while jewellers were also expected to snap up the metal ahead of the festive season.

However, analysts said trading was thin ahead of a trail of U.S. data such as June personal income.The greenback was hovering near a three-month low against a basket of currencies on Tuesday on worries the U.S. growth outlook is deteriorating and could force the Federal Reserve to keep interest rates low.

Meanwhile, world's largest gold-backed exchange-traded fund, SPDR Gold Trust, said its holdings were unchanged at 1,282.279 tonnes, down nearly 3 percent from a record of 1,320.436 tonnes in late June 29.On Monday, spot gold rose as high as $1,190.40 an ounce.U.S. gold futures for December delivery settled up at $1,185.40.

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Money Savings Tip #20

Technical View on Nifty(22nd July ‘10)

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Nifty is trading in the horizontal trading range from last few trading sessions. In the downside it is getting good support close to the level of 5350. Closing below this support may further create some weakness in it. Still technically it is looking strong & one may expect the up trend to continue in the market. For trading strategy we already recommended that one should buy Nifty Future at every dip until it close below 5300 for the targets of 5450, 5500.

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Money Savings Tip #19

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Technical View on Nifty(21st July ‘10)

Nifty witnessed a correction from the higher levels & in the end closed near to the support zone of 5350 to 5355. In the downside the next crucial support zone seems to be around the levels of 5290 to 5300. Decisive closing below this support zone may drag it till the lower levels of 5200 to 5205 in near term. We recommend that until it close below 5300 one may go for buy on dips in it for the upside targets of 5450, 5500 in near term.

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Money Savings Tip #18

WEEKLY AGRI REPORT (JUL 12- JUL 17)
Spices Gain On Fresh Buying!
DEMAND IMPROVE MARGINALLY IN JEERA
Improved domestic demand will keep the prices firm in the near term. Significant demand from the overseas is expected to be placed if the Jeera prices of Syria are quoting at higher rates. This will support prices to strengthen in the short term (till July). Reduced stocks of Jeera at the NCDEX warehouses are also supporting the prices. Jeera price quotesoffered by Syria, Turkey and India in the international market will determine the price trend in the medium term to long term (August) onwards. Further, prices will depend on the demand from the overseas and domestic buyers and stocks of Jeera with the major producers.Jeera prices in the intraday will trade bullish due to improved buying by the market participants. In the short term (till July), trend will depend on Jeera price parity of various origins in international market. In the medium to long term (August onwards) prices are likely to take cues from stocks with major producing nation such as India, Syria and Turkey.
GUAR LOOKS FIRM THESE DAYS
Reports of inadequate rainfall in the some of the major Guar growing areas are providing support to the prices. According to the market participants expected shift by the farmers to other crops such as pulses and Bajra (due to increase in the MSP and high profits earned in the last year) will provide support to Guar prices in medium term. Further,scarcity of Guar and Guar gum due to lower production of Guar in the previous year will support prices in the medium term. Sowing of Guar commences in July following the first showers of monsoon in June. Rajasthan contributes around 50% of the total production while Haryana has a share of 25% and remaining 25% comes from Gujarat, Punjab, Madhya Pradesh and Uttar Pradesh. Thus, in the long term prices will takes cues from sowing progress and crop status in the above major growing areas. Guar seed futures in the intraday are likely to trade sideways to bullish on account of inadequate rainfall in the major guar growing areas. Short term (till July), prices will depend on the advancement of monsoon into the interior parts of India. In the medium to long term (August onwards), prices will depend on the sowing progress of Guar and demand from the overseas buyers for Guar gum.
SOYBEAN FALL ON BETTER RAIN FALL
August Soybean futures ended in red due to monsoon rain in major parts of Madhya Pradesh amid better carry over stock of Soybean with farmers are in favor of bears. As per market participants (farmers,traders and stockists) Soybean sowing acreage picked-up rapidly and it will caps the prices on higher side. CBOT August Soybean futures ended higher at $ 9.67/bushels on Wednesday, up 27 cents/bushels as compared to previous close. CBOT August Soybean meal futures ended higher at $ 293.70/tonnes on Wednesday, up $7.00/tonnes ascompared to previous close. As per US traders, Soybean futures surged sharply due to deterioration in the US Soybean crop in the USDA's latest Crop Progress report. In the intraday, Soybean prices are expected to open higher due to firm overseas market on account of adverse weather for soybean in US, which is largest producer in the world. However, monsoon rain in major producing states picked up in sowing acreage amid favorable weather and better carry over stock this year as compared to last year may keep selling pressure in medium term.
CHANA MAY GAIN ON BOTTOM PHISHING
Llower price quotes of Chana in the domestic market may induce stockists to go for improved buying at lower levels. This will support prices to strengthen in the coming weeks (till July). Prices in medium term (till August), will trade sideways to bullish due to demand from the domestic buyers ahead of festival season. However, rains in Maharashtra in previous week will boost the acreage towards other pulses particularly Urad and Tur. This will be unfriendly for the Chana price trend in long term (October onwards). Also, in the long term bumper crop of Chana in the year 2009-2010 coupled with good carryover stocks will cap the upside in prices. Production of Chana in 2009-2010 is estimated at 7.38 million tonnes as compared to 7.06 million tonnes in 2008-09. In the intraday Chana futures are likely to trade sideways to bullish due to buying by the local stockists. Prices in the short term (till July), will depend on the crop growth status in Canada, one of the major suppliers of yellow peas and demand from the local stockists as prices are quoting at lower levels. In the long term (August onwards), prices may take cues from the prices of other pulses.

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Money Savings Tip #17

WEEKLY COMMODITY REPORT Jul (12-17)

Base Metals Up On Higher Equities, Euro!

"GOLD RISES 1.5 PCT, CONSISTENT SELLING CAPS HIGH"

U.S. Gold futures finished Friday at their highest close in four days, but gains were held in light volumes and sellers at $1,210 an ounce. Gold briefly rose 1.5 percent to four-day highs $1,210 an ounce on Friday, but selling around that level kept price gains capped. Uncertaint surrounds the global economy and slow summer trading sessions kept prices, both in precious metals as well as correlated markets such as equities in check. Spot Gold advanced to $1,209.05 an ounce from previous session's late quote in New York at $1,196.48 an ounce. Earlier, it touched $1,213.35, its highest since July 5 against $1,196.48 late Thursday trade. U.S. gold futures for August delivery firmed $13.70 to settle at $1,209.80 on the New York Mercantile Exchange's COMEX division, and earlier hit a four-day high at $1,214.10. Holdings of the world's largest gold- backed exchange-traded fund, New York's SPDR Gold Trust, slipped again on Thursday, dipping 0.445 tonnes to 1,316.036tonnes. The fund's holdings have retreated 4.4 tonnes from the record 1,320.436 tonnes they stood at in late June, as the safe haven-related inflows seen in recent months dried up.

"OIL TOPS $76 IN CHOPPY TRADING, POSTS WEEKLY AGAIN"
Oil prices topped $76 per barrel on Friday on demand optimism, posting the biggest “OIL TOPS $76 INweekly increase since late May after a choppy low volume trading session. U.S. Crude fo August settled up 65 cents or 0.86 percent to $76.09 per barrel in a volatile session,closing the week with a 5.5 percent gain -- the biggest weekly jump since the week to May 28. Prices jumped as much as $1 to $76.48, the highest intra-day price since Jun 30, slipping in and out of negative territory before settling up. Trading volumes for the front-month contract were at their lowest levels since early last week. U.S. equities markets closed up as investors eyed corporate earnings season that unofficially kicks off on Mondays. The S&P 500 index closed up 0.72 percent while the Dow Jones Industrial average rose 0.58 percent, helping the principal U.S. stock indices post an increase of more 5 percent for the week their best week in a year. Investors often see rising equities markets as a sign of economic growth, which generally spurs demand for oil. U.S. Crude was still below a 19-month peak above $87 reached in early May, having rebounded sharply from a trough below $65 on May 20. Crude inventories in the United States dropped 5 million barrels last week, more than twice as much as expected, the Energy Information Administration said. Markets awaited Chinese trade data, to be published on Saturday, for further price direction. Year-on-year import and export growth probably slowed last month from the sizzling pace set in May, in large part reflecting a higher base of comparison as the global recovery gained strength around the middle of last year.

"U.S. COPPER ENDS AT 2-WK TOP, EYES CHINA IMPORT DATA"
U.S. copper futures closed up a two-week top on Friday, driven by improving economic sentiment and expectations that demand from China, the world's biggest consumer remained robust in June. Copper for September delivery rose 3.80 cents, or 1.3 percent,to finish at $3.0535 per lb on the COMEX metals division of the New York Mercantile Exchange. Market momentum additionally fueled by expectations of rising copper imports into China before scheduled release of data on Saturday. London Metal Exchange metal stocks fell by 2,100 tonnes to 436,900 tonnes, their lowest since November 2009. Deliverable copper inventories in warehouses monitored by the Shanghai Futures Exchange fell 6 percent to117,459 tonnes from 124,558 tonnes a week earlier.Copper stocks on warrant down 1,226 tonnes to 26,245 tonnes. COMEX Copper inventories declined 47 short tons to 101,235 short tons as of Thursday. Copper gains buck weaker tone in euro versus dollar, after round of profit-taking in the single currency from more than 2-month peak. LME copper for three-month delivery closed at $6,769 per tonne from Thursday close at $6,610 a tonne.

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Money Savings Tip #16

NIFTY
Mode-Flat
RESISTANCE-5038/5056/5085
SUPPORT-5002/4984/4955
SENSEX
Mode-Flat
Resistance-16798/16854/16947
Support-16686/16630/16537
Above resistance= Strong
Below support =Weak
If NIFTY breaches 5056 and stays above 5038 with good volume then NIFTY may see 5080.If Nifty breaches 4984 and stays below 5002 then NIFTY trend is bearish.Then expected lower target is 4960.
If SENSEX breaches 16854 and stays above 16798 with good volume then possible upper target is 16940.If Sensex crosses 16630 and stays below 16686 level then Sensex trend is bearish.Then expected lower target is 16540.

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Money Savings Tip #14

If you enjoy a glass or two in these tough times (and who doesn't?), instead of expensive champagnes to entertain your guests - try some sparklers from Italy. Their vines have been around for a long time & they have the passion & knowledge to make great fizzy. Whilst they don't have snob value, many taste delicious. If you shop at Tesco Wines, search for special offers, you will often get your hands on some great bottles at 50% off. Cheers!

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Money Savings Tip #13

Most directory enquiries services charge to find you a telephone number. However, if you dial 0800 100100 from a landline, you will get it for free – you just have to listen to a short ad before you get the number.

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Money Savings Tip #12

Travel insurance renewal is due so one would normally just renew for convenience but why do that if you are not going on holiday just yet? You are wasting cover which you are not going to use. Wait until you have a holiday booked before you renew your policy and always phone and say you have a better deal elsewhere and they will need to improve on their premium to keep you as another vlaued customer for a further year.

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Money Savings Tip #11

Check your bank account statement every week. Most people don't, but, trust me, banks make mistakes and over charge with alarming frequency. Just 10 minutes a week will ensure that you never lose your hard earned cash. It is easy to set up online statements with most banks & this way you won't get charged an admin. fee.

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Money Savings Tip #9

Grocery shopping online - this is not just convenient, it saves you money too. After choosing all your items, you can then confirm your order before you pay and it is at this point that you can make sure you are on budget for what you can afford that week. If you have over spent, simply deselect a few of those luxury items or choose a cheaper supermarket own brand option (for non food items I have found these to be just as good). By shopping this way, it gives you the chance before you proceed to 'checkout' to buy what you can afford. You cannot do this at a check out in a supermarket!

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Money Savings Tip #8

Times are tough but if you can, over pay on your mortgage. If you are used to the pain of your monthly mortgage but have seen payments fall dramatically in recent months, resist the temptation to fritter away the saving each month. Instead, continue the payment as it was say a year ago. You will be amazed how you start to chip away at your mortgage & could save yourself thousands of pounds in the long run. Let's face it, you will earn next to nothing in a savings account at the moment.

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Money Savings Tip #2

Only spend what you can afford - don't over spend.

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Money Savings Tip #1

Always open your bank statements and bills. Sounds crazy, but lots of people don't.

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