30 Year Mortgage Rate At All Time Record Low For Four Consecutive Weeks
Freddie Mac's recent Primary Mortgage Market Survey shows that the 30-year fixed-rate mortgage slipped to 3.78 percent yesterday, a slim drop from the averaged 30-year fixed-rate mortgage of last week which was 3.79 percent.In the meantime, the 15-year fixed-rate mortgage remained unchanged from last week's average 15-year fixed-rate mortgage at 3.04 percent, this according to Freddie Mac."Mortgage rates were virtually unchanged this week with fixed-rate loans remaining at record lows and helping to drive homebuyer affordability," Frank Nothaft, vice president and chief economist of Freddie Mac, in a statement said.Two home affordability indexes, the National Association of Home Builders/Wells Fargo Housing Opportunity Index and National Association of Realtors (NAR) Housing Affordability Index, show record high home affordability in the U.S.The home affordability index of the National Association of Home Builders/Wells Fargo shows that 77.5 percent of the existing and new homes that were sold in the nation from January to March this year were affordable to families earning the national median income of $65,000.The composite quarterly housing affordability index of NAR, meanwhile, shows that the housing affordability index jumped to 205.9 in January to March of this year.NAR reported that this is the first time that the composite quarterly housing affordability index hit the 200 mark since 1970, the start of housing affordability index recordkeeping.NAR's index is based on the relationship of these three factors: median home price, average mortgage interest rate and median family income."For those with good credit, we've never seen better housing affordability conditions or market opportunities than we see at present," NAR President Moe Veissi, in a statement said.Barry Rutenberg, chairman of the National Association of Home Builders, in a statement said, "Homes in this year's first quarter were more affordable than they have been at any time in more than 20 years, yet many potential sales are not happening because of overly tight lending conditions that are keeping hardworking families from obtaining a suitable mortgage."The chairman of the National Association of Home Builders added, "Without this (tight lending condition) significant hurdle, the housing and economic recovery could be proceeding at a much stronger pace."

The word which routinely attracts each and every person is 'Free'. In case of share market this single word can make people richest or ruin too. People who have already started doing an investment in share market have gained much insight about the market and its related pros and cons. But those who want to invest first time in share market try to gain much of the knowledge about shares tips through various resources and through the people who are already in this field from a long time. Many people dream of making money from share market, but have no idea how to go about it. The most common method is through the use of advertising. If you trade in the right way, and entering the stock market will doubtless be the best and most profitable investment you will ever make. Even into the millions. One important thing should have to keep in mind, the best stock tips that you should commit to memory is to keep your calm always. Many companies offer free bulk shares tips. To get free leads, you actually have two options. One is by subscribing to websites that give free leads to people. Another way to obtain free leads is by creating your own. Investment is the biggest risk that a person takes in his life time. Bulk of the companies offers trading tips. Some of them provide 2 days free trial, 7 days free trial and so on. Now come to the basics of trading, here we discuss Day Trading or Intraday trading, Swing Trading and Positional Trading. These are the strategies used in share trading to earn money. Day Trading- Also known as 'Intraday', positions are usually entered & exited within the same trading day. Obviously scalping fits into this category. Traders in general are interested in quicker, smaller amounts and making multiple trades per day. Swing Trading- Swing trading is typically a short to intermediate term trend following system lasting anywhere from 1 to 30 days. Traders who swing trade typically look for trend reversals & retracements for their entry/exit points. Position Trading- Position trading, also known as 'trend trading', can best be described as a 'buy and hold' method. Positions can be open for a few days, a few weeks, and a few months or longer. They are also held during periods of minor retracement with the expectation that they will eventually continue trending in the desired direction. But in subject of free trial Intraday trading is much more beneficial than Swing Trading and Positional trading. In Intraday there is "Smaller take profit target = Smaller risk per trade". In Swing there is "Manageable take profit and stop losses."In Positional there is "The most forgiving type of trading - small mistakes are more easily absorbed in market movement and the size of your eventual profit." Lastly conclusion for all these may lead to a disastrous condition for the person as he would be the only one who is responsible for the decision he has taken. You have to get stock tips free trial from a reliable resource so that you get satisfaction in investing money.

Cash flow is an on-going challenge for independent retailers, as it is for many small businesses. Sales growth remains modest at best, and credit remains largely unavailable to many independent retailers. That puts many squarely behind the eight ball.Here are 6 tips that can help you drive more dollars to the bottom line:1. Focus your marketing on your proven customers. These are the customers who have demonstrated already that they value what you do and the merchandise you sell. (What else can you offer them?) These are customers who have shared their email addresses with you. This is your List, and it's one of the most valuable assets you have. Marketing to these customers is much less expensive (and more productive) than marketing more broadly using expensive traditional media, like newspapers and magazines.2. Turn your inventory. Having more doesn't mean you'll sell more, especially when the extra inventory is in unnecessary depth of stock or in items at the fringes of assortments. Lean inventory, closely aligned to support prudent sales plans, promotes a greater sense of urgency with customers to buy now, when they first see it, rather than wait for when it might go on sale. Replenish more frequently, in smaller quantities, continually bringing in new, fresh, exciting merchandise.3. Don't compete with yourself. Most independent retailers should adopt a Better-Best or a Best-Only pricing structure. Offering too many options where customers can trade down to a less expensive item leaves money on the table and slows the turn on the higher priced offerings, thus lessening their perceived value. If consignment merchandise is part of your mix, make sure they complement rather than compete against your assortments.4. Get paid for what you sell. Sales and promotions melt away cash flow, not to mention the fact that they lessen the perceived value of your offering and encourage customers to wait for the next sale. Getting paid also requires, however, that you fully mark up your merchandise in the first place. Markups tend to naturally erode as wholesale costs increase and retail prices don't fully keep up, unless you actively manage your markups to keep them where you need them.5. Make payroll a manageable expense. For most independent retailers, payroll is the largest cash outflow after merchandise payables. A payroll that is primarily made up of salaried and full time hourly employees may provide a level of stability but can be pretty inflexible and can create significant cash flow challenges, particularly during slower periods. A more balanced payroll, between salaried and full-time hourly employees and part-time employees, provides the flexibility to more closely align payroll dollars with when they are truly needed.6. Stop doing things the way you've always done them. Familiarity is comfortable, but it leads inevitably to diminishing returns. Customers thrive on newness; on new merchandise, presentations and experiences. Repetition breeds staleness, and that will drive customers elsewhere. The most successful independent retailers are always re-inventing themselves, testing new items, programs, presentations and concepts.After all that we've been through, how much cash flow is enough? It's not enough just to be cash flow positive. The challenge is to generate exceptional cash flow from the sales revenue you are generating, even as you work to grow revenues even further.Copyright ?? 2012 Ted Hurlbut

It is a Known Fact That American Society Has Become Increasingly Unequal
Of the entire consumer purchases, 37% are made by 5% of those Americans who are in the highest income group as per a study of Moody's Analytics. It should not be a surprise to anyone as it is a known fact that American society has become increasingly unequal.With the bulk of the income moving upwards, the middle class lack sufficient purchasing power to keep running the economy without sinking more into deeper debt; everyone has seen where that leads to. The economy is dependent on the spending power of only few persons and naturally this exposes it to bigger booms and bursts. The rich are prone to speculate and splurge when their own savings are performing well. But when the value of their own assets takes a tumble they withdraw. This leads to wild fluctuations.The economy of the country will not get back on rails until this push towards inequality moves in the reverse gear. Even if Obama manages another stimulus and even if Bernanke keeps rates of interest near zero - neither of these moves can perform a miracle without the middle class having the spending power. Pumping becomes a solution only if the well is holding sufficient water.Looking back into history covering a hundred years, this pattern emerges. During the days when the super rich took a reduced proportion of the total income (1947 to 1977 - the great prosperity years) the nation in its entirety grew speedily and median wages spiked. A virtuous cycle was generated by which the continuously growing middle class had the capacity to consume greater supply of goods as well as services; this in turn led to the creation of more jobs and better jobs that led to further fueling of demand. This rising tide did in reality lift up all the boats.But during those days when the proportion that the super rich pocketed (1918 to 1933 and again starting from the time of the Great Regression in 1981 till today) the speed of growth became slow, median wages began to stagnate and the country suffered mega downturn. Thus it is not accidental that over the past century the share of the top earners of the nation peaked in 1928 and again in 2007. These two years preceded the biggest tanking of the economy.

Most of the companies today, irrespective of their size are listed on the stock exchange; others are still trying. The stock of a company is listed on the exchange are open for public to decide if they want to buy. For those who are trying for London Stock Exchange Listings, read the below instructions for getting it soon: Instructions: If you want your company to be listed on the GXG Stock Exchange , choose a reputed investment bank to partner with and do business. The bank handles most of the tasks to get you listed on the exchange. Since you have started a new business, it is advisable to partner with the bank and let it handle the listing process. Discuss the terms of the agreement with the investment bank carefully and in detail. They generally want to know what security you are offering. If it's a stock. Then, there are two types of guarantees - firm guarantee and best efforts agreement. Work closely with the investment bank and plan out things. The registration with the stock exchange is important. The registration includes information on management, insider holdings, for what purpose will the money be used and additional information that will attract investors in buying your company's stocks. Fix the price per share, contact and get assistance from major investors. Set your price range to medium. Since too high or too low stock price refrains investors from investing in your stocks. In this case, even the bank may help you in fixing the price per share. The bank will help you determine the best price to be charged per share depending on the market performance. Watch the up and won movements of your stock. Investors buy and sell stocks in seconds depending upon their profit. If all goes proper, money will flow into your business helping you further expand it. Investment is stock exchange is a risky decision, which every investor has to make. Risky, because the price and condition fluctuates every second. Consult reputed or professional stock broker to make the right investment decision. If the market is bull phase, you can expect double of what you have invested. If the market is in a bear phase, the stock price falls and you may not even get the invested amount. Examine the market before investing in the stocks. More research, more profit and returns. Invest with care!