by  Robin Williams

It is much easier said than donewhen you hear people giving you advice as how you should be managing yourfinances so that you are never in debt. However, debt helps you tobecome financially alert and if you are aware of the consequences of having adamaged credit rating, chances are that you will not allow your finances to goberserk. 

by Martin Shao

By not paying attention to a few simple steps, many Canadians who apply for mortgages end up losing money because of these costly mistakes.

Procrastination

To some extent, we all procrastinate. And occasionally we benefit from it. This doesn’t apply when arranging for a mortgage. Believe it or not, some apply for a mortgage just days before their closing or mortgage renewal dates. This is simply wrong.

As soon as you start thinking about buying, you should talk to your bank or mortgage broker. This process is called getting a pre-approved mortgage. This guarantees the best rate for up to 120 days even though the rate may fluctuate higher during that time. If during this time you find a better rate elsewhere, you can also apply for it. The pre-approval is not an obligation to borrow; it is the lender’s obligation to provide you with the best rate. 

by Andrew Neitlich 

Business Owners of the World: Unite! Over a century ago, the famous words "Workers of the world, unite!" called for a revolution. Today, we need to change that statement to "Entrepreneurs of the world, unite!"

More and more every day, government is overstepping its boundaries and threatening to take over - or maybe take down - our capitalist system. 

Meanwhile, the news media, movies, and television shows tend to vilify business leaders as corrupt and evil. 

It is time to remind the world about how essential, creative, and vital we are.. 

by Sas Svetlana

While I like to keep things short and simple when it comes top technical indicators, I continue to look for tools that help interpret the charts. Recently I have been spending time with a momentum indicator that I am finding to be quite useful. Being a New Toy junkie I have to be very careful about indicators because they all have a niche and or specialty. Paralysis of analysis can set in quickly if you are not careful. Having swung way too far in the past, I gained perspective when I began to see the tremendous overlap and redundancy of most indicators. At that point I narrowed my focus and priorities to:

1. The picture. ie. The chart itself (lines, patterns, moving averages etc.) 2. Overbought and oversold characteristics i.e. Stochastics and Wilder's Relative Strength Indicator (WRSI) 3. Divergence i.e. Moving Average Convergence Divergence (MACD) 4. Candlesticks and Volume

These cover just about every reasonable angle you may want to evaluate. I have held tightly to this simplified and efficient team and it has served myself and my students well. So why branch out now? I have been a fan of Wells Wilder (WRSI) for some time and when I began to look closely at his Directional Indicators I became intrigued. I have played with them for while now and would like to introduce you to them. My advice is still to keep it simple. There are well over a hundred indicators and studies out there and you have to be careful of the "Camel's Nose in the Tent" if you know what I mean.