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Tuesday, September 11, 2007
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   Tuesday, September 11, 2007

Decoding The National Average Credit Score
The model which is used to find the average credit score is to the advantage of the consumer rather than the commonly used middle score one. In many cases in the USA the average credit score is mainly used by sub-prime lenders. These sub-prime lenders lend money to people who have a credit rating other than an A or A-. With the middle credit score model your lender looks at the 3 scores in your report and looks directly in the middle. For example if you have scores of 720, 676, and 660 the lender takes the 676 number and then your loan conditions are based on the 676 number.
The national average in the USA seems to be anywhere in the 580-650 range for credit scores. Even with the national average you can generally still qualify for loans or credit cards with an average score. Some things that can taint an average score though is missing payments and definitely a past bankruptcy. Having an average credit score by no means you will not qualify for loans or credit cards.
The rating you have can be changed over time, for bad or worse, it all depends on how you pay your bills. Obviously you will get better interest rates on loans and credit cards if you have an above average credit rating. If you are on the lower side of the average credit score than you need to be careful not to dip down too much or it could seriously hurt your credit and defiantly the chance for lower interest rates. Keep on top of your credit rating and make sure to check it at least one time a year so you know where you stand in terms of your credit.
Having an average credit score is by no means a bad thing as you can still qualify for many things but there is always room for improvement as with a better credit score comes more financial advantages.

Dean Iggo is the webmaster of www.ezcreditscore.net - Learn why your credit report is so important and simple steps to repair bad credit


Stock Market Screening
Wouldn't it be great if we had a magic crystal ball that would tell us just what was going to happen to the price of a stock over the next two years so that we did not have to conduct any stock market screening. Well we don't have a crystal ball that will predict the future all though we do have the opposite, the past "HISTORY". Due to the powers of the internet you and I have the ability to obtain effective stock market research position by conducting positive stock market screening. With the correct stock market screening you can download, for free, years of financial data on any company that is traded publicly. Although this is the opposite of the future if approached correctly utilizing the principles of investment strategies and stock market screening this can be used to our advantage to help establish an effective stock market research position.
The term "Lift-Off Stock" is a term that I use to describe a stock that is ready to take off in price and continue to do so over the next year or two. What is ironic about the term is the fact that while lift-off stocks do exist how do we conduct stock market screening to identify them at the beginning of their price increase? Well I bet I know what you are thinking. Now that you have this huge power of access to financial company data you can down load all the historical financial data for hundreds of companies that are all traded publicly. Then you would use the theories of stock portfolio management to identify all the companies that have had lift-off to the price of their stock. Once you have completed this you would find what they all had in common with their financial data just before and prior to lift-off. I bet you are now thinking "FANTASTIC" well make sure that you call me as soon as you finish compiling all your data. You see the problem with this plan is the amount of time, man-power, money and resources you or I would need to accomplish this is simply way beyond my means.
There is an individual though who I assume had the same idea, Investors Business Daily publisher "William J. O'Neil". And there is one huge difference between Mr. O'Neil and myself, and that is that he did have the time, man-power, money and resources at his disposal to accomplish this because that is exactly what he did. Mr. O'Neil & Co. had been analyzing stock since the 1950s with the use of computers. Due to this he had compiled a huge amount of fundament and financial data on thousands of stocks. Mr. O'Neil took the data of these stocks from the years 1953 through 1993 and identified 500 stocks that had the highest gains during this 40 year period. He then analyzed the data to identify what all these stocks had in common before they started, what I previously defined as "Lift-Off".
Now I will get back to Mr. O'Neil's findings later in this article but first I what to point out the importance the principles of investment strategies carry with regards to stock portfolio management. When we purchase stock we are purchasing a percentage of ownership in that entity. Just as a mortgage company will check our credit before lending us the money for that purchase, we should also check the credit of a company that is a candidate for future investment prior to investing. And just as a credit company has set up guidelines that determine whether or not they will lend you money so should you set up guidelines that any entity must meet before you will invest in them. If you do this with a quality amount of research and thought based on your personal financial situation you will greatly improve your return while reducing your risk for that ultimate goal of optimum return vs. risk formulation. Now there are several very good stock portfolio management strategies that have been developed and you should by all means know them fundamentally, Mr. O'Neil has developed one of them that we are going to cover. What you must do is identify which principles of investment strategies will best fit your personal financial goals and status with as little tweaking as possible. It is ok to adjust our chosen stock portfolio management strategy to fit our personal situation as long as we monitor them and make adjustments for those tweaks that are not effective. This process of adjustments is covered in my Successful Online Portfolio Management e-course in which the simple process of setting up and analyzing your investments with Excel spreadsheets is explained.
Now back to Mr. O'Neil and his findings. O'Neil identified seven characteristics that were all found in the top stock performers and then combined them all into a strategy he call "CANSLIM". He first introduced CANSLIM in his best-selling book, "How to Make Money in Stocks", I believe now to be in its 3rd edition. The foundation of CANSLIM is based on a momentum investment strategy. A momentum strategy is one that consists of fast earnings growth with a strong price chart. But O'Neil also included several requirements that are not associated with a momentum strategy. The seven financial requirements for the CANSLIM investment screening strategy are as follows:
C - (Current Quarterly Earnings) Current quarterly earnings compared to the same quarter of the previous year must have a growth of 18% or more.
A - (Annual Earnings Growth) A stock must have an annual earnings growth of 25% or more over the previous year.
N - (New High Price/Share) The stock selling price must be at or close to a new share price high.
S - (Supply VS. Demand) Shares of stock outstanding must be no more than 25 million.
L - (Leader in Industry) 12 - Month Relative Strength must be 80 or higher.
I - (Institutional Ownership) Institutional Ownership is the percentage of shares of stock outstanding owned by institutions i.e. mutual funds, pension plans, insurance companies, etc. O'Neil wanted percentage of shares outstanding held by institutions to be low, although he does not give a parameter for this I would suggest anywhere from 5% to 35%.
M - (Market Direction) O'Neil advises against using the CANSLIM strategy in a weak market because momentum stocks go down when the market drops. There are several theories on what determines a weak market for momentum stocks and you should come to your own conclusion. One that I particularly like is using the Russell 2000 Index 200 day average as a benchmark. If the Russell 2000 is trading below its 200 day average then it is considered a weak market if above it is a strong market.
This is a stock portfolio management screening strategy that I like, with a few alteration, to use when looking for lift-off stocks. If you would like to know more about the CANSLIM principles of investment strategies read the book "How to Make Money in Stocks" by William J. O'Neil in which these strategies are covered in much more detail. One thing that I would like to point out is this, while the CANSLIM strategy is a very legitimate strategy worth your time to look at, there are several other very legitimate strategies also and you should develop a basic understanding of them as well to ensure that you develop a strategy that is based on your personal financial situation. Remember we should have a portfolio of diversification which not only includes different entities classifications but also different risk structures based on what our individual goals are and how our personal financial structure is composed.
Scott G. Henderson and Strategic Resolutions, LLC do not have nor have had any affiliation with Investors Business Daily and the CANSLIM organization and does not represent any entity associated with them. The contents of this article are entirely the opinions of Scott G. Henderson and he has received no compensation from these entities or any entity associated with them.
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Scott G. Henderson, BSEE/MBA, has written many articles about the subject of financial portfolio management. He holds a Bachelor of Science degree in Electroninc Engineering and a Masters degree in Business Administration. After years of personal experience, education and research he spent over 18 months writing and developing the educational curriculum Successful Online Portfolio Management. You can visit his web site at http://www.OnlineInvestmentGuide.com


Loans for People on Benefit
There is a big section of people in U.K, who even today believe that being on benefit is one of the worst aspects of one's financial part of life, and simultaneously if you fall into a situation when you have to borrow money then just adds to the woes. But, these are no more than a myth if you look into present scenario, as you can very easily find lenders in this competitive market who offer loan to people on benefit. In general benefits are granted to just fulfill your daily needs and you can anytime find yourself forced to get a loan in cases of emergency such as Medicare etc. Being under benefits can be due to underemployment per week or any physical ailments or due to some other relevant reasons. Whatever be the reason you need not be depressed by this condition as loans for people under benefit are there for your assistance.
Loan for people on benefit: figures and facts
You can borrow an amount starting from ?500 .The amount to be approved depends on your ability to pay back, or the collateral you provide. These loans are available in both kinds i.e. secured and unsecured. In case of secured loan you need to provide some collateral and the interest rate is a bit lower. However, the case is a lot different for the people on benefits who always prefer to go for an unsecured loan as there are risks of loosing the collateral in cases of defaults. So, unsecured form of this loan is a better option for such people. But, the interest rate quite obviously is higher in comparison to one offered in case of secured format. Interest rate is typically 7.7%APR variable. It can vary around 5%APR to 19.9%APR variable.
Loan for people on benefit: repayment
One thing which is very important for people on benefit who avail loan is the pre planning of repayment. As the repayment is going to be made from only the loan amount or the benefits it is very important to make a good assessment of your monthly expenditure and then decide on the repayment terms. You can't afford to make defaults at all because it will worsen your credit history and you will be almost ineligible for any loan in future.
Loan for people on benefit: application process
You can apply online and there are agencies that provide the services for forwarding your loan application to lenders who offer these kinds of loan. There are a number of lenders in the market who grant these loans. You have to look into their offers carefully and then with the use of all your wits you must decide about the best lender for you who satisfy all your requirements. Once you send back the completed form you become eligible for the loan in case of unsecured loan, however for secured loans there will be some time spent on the verification of your collateral's document and also its valuation.
Loans for people on benefit: types of loans available
Some of the popular kinds of these loans are tenant loan, crisis loan, budgeting loans, homeowner's loan etc. Consequently there are numerous purposes for which these loans can be used.
So, to sum up it can be said that loans for people on benefit are blessing for them. They can feel themselves a lot freer to meet out the special circumstances when they have no other option other than applying for a loan.
Scarlette started on a horse back and had a few falls herself. Therefore, she knows Financial decisions are to be made after
considerable thought and backed by good financial understanding. Her articles might introduce you to financial sense without any falls. She suffers from no injuries now. To find all types of loans for unemployed UK Residents Please visit http://www.loansforunemployed.co.uk