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A Step-by-Step Guide to Choosing an Online Degree Online Programs At one time, online colleges were rarely available – and when they were, the programs couldn’t hold a candle to traditional schools. Today, you can get an online degree in anything from business to history to nursing, and virtual programs provide you with a quality education. ow does Forex work? At the beginning of their trading career, there are many aspiring traders who will have trouble wrapping their mind around how Forex trading works or if Forex trading works at all. These questions point to the very heart of the problem – they are taking the wrong approach. False motives, unrealistic goals, greed, inappropriate haste, lack of effort and insufficient knowledge are the main reasons why many of those who try jump-starting a trading career leave disappointed and empty handed. Before you do anything, sit back and think about how much there is behind the Forex market and how it works. Ask yourself the following questions: What do I know about the basic principles of price formation for every asset in the world? What is the underlying structure of the trading industry? What is the nature of international economic interactions? What are the key principles of fundamental and technical schools of market analysis? What are the psychological intricacies of being a trader? What actually happens when a trader presses a button? Let's start from the beginning. First, there was supply and demand In economics, supply and demand is a model that explains price formation in a free competitive marketplace. The price of goods is settled at a point where the quantity demanded by consumer is balanced by the quantity supplied by producer. Let's say you are out there one day doing grocery shopping. You need apples and there happens to be only a single vendor with just the right amount of apples. You negotiate, agree on the price and make the exchange – a set amount of money for a set amount of apples. Both you and the vendor made a trade, getting what you wanted. The next day, you are out there again looking to buy the same amount of apples, only now there are two vendors, both having the amount of apples you need. This means that there is higher supply of apples then there is demand for them. The competition between vendors will push the price of apples down since both of them realise you will probably go for the cheaper apples, assuming all other things are equal. A new price will be set and you will make a deal with whichever vendor you see fit. Alternatively, if that day you came with a friend who is also interested in apples, but only one vendor was there, there would be more demand for apples than supply. A vendor would recognise this and up the price of his apples, knowing that both you and your friend will definitely buy all of his apples. This is the ABC of economics and it is absolutely vital that you, as an aspiring trader, understand the simple logic of how does this little apple-market works, since it will help you understand how the Forex market works. Things may start to get more complicated from here on. Applying the apple market scenario to the foreign exchange market, every time a particular currency is bought, surplus demand is created on the market, throwing the price off balance and pushing it higher. Similarly, every time a particular currency is sold, a surplus supply is created – again, throwing the price off balance and pushing it down. The amount of impact is directly proportionate to the trading volume per deal. Big players, like national banks, for example, can cause a lot of disequilibrium by tampering with the supply of their home currency. Small players, like retail traders, can only influence the market ever so slightly, but still do through their sheer numbers. The ever-changing supply and demand of currencies is what makes Forex charts tick. The philosophy of price balancing is key to understanding how online Forex trading works, since all the economic events in the world are relevant to the market only in terms of how much they influence the supply and demand of an asset. Or, it is worth mentioning, how much they influence the projected supply and demand of an asset. Using our apple market as an example, if one of the apple vendors went bankrupt this season, both you and your friend can expect the price of apples to rise before you even show up at the market. Draw a mental map of the industry before you get lost When considering how the Forex market works it is best imagined as an ever-changing ocean. There are plenty of fish in that ocean, from big to small depending on their buying power. There are multi-billion leviathans like national banks, multinational companies and hedge funds. Their monetary policy and trading decisions make the biggest waves, throwing prices off balance the most. There are mid-sized fish – private investors, companies in need of hedging and private banks. Then there are the small players – financial brokers, smaller banks and smaller investors. Most of the abovementioned market participants have direct access to the Forex interbank, which is the market place where all the currency exchanging magic happens. They are allowed to, simply because they are over a certain threshold of funds at hand. This means they can trade with each other without having to go through middlemen. The smallest players, who can be viewed as the plankton of the financial ocean, trying to survive long enough to grow big is the retail Forex trader, which of course includes you. The buying power of a casual trader is usually so small compared to the big fish that he needs a Forex broker or a bank to provide a financially leveraged trading account and access to the market via trading servers. Understanding how the Forex market works as well as one's position in the scale of things will inspire the necessary caution needed when trading. Educational Webinars What does any of this have to do with the powers that be? Forex is the currencies market, as you should be aware by now, and currencies, unlike most other tradable assets, are economic tools as much as they are economic indicators. Roughly speaking, if countries were companies, currencies would be their stock. Policy makers at central banks are the biggest tweakers of money supply, which makes their monetary policy decisions a major price-influencing factor on Forex trading and how it works. The most obvious and simple example would be the interest rates set by the national bank of every country in the world that has one. Since the US dollar, euro, British pound and Japanese yen are the most traded currencies in the world, the Federal Reserve Bank, European Central Bank, Bank of England and Bank of Japan are respectively the biggest fish in the ocean. Understanding how this can affect the economy will help you understand how the Forex market works. When interest rates are increased, and they can be solely on the national bank's word, it gets more expensive for market participants to borrow that currency from that bank. Momentarily, this causes a shortage in currency supply and pushes the currency price up. Which is a good thing, right? Who wouldn't want a strong national currency? Well, not really. Short term, this means less money to play with for business developments, less expendable household income and, ultimately, a slower rate of economic growth. However, this slows down inflation and slows down the inevitable build up of debt – which, in the long term, is a very good thing. Alternatively, when interest rates are cut, all market participants borrow more money. Momentarily, a surplus money supply is created and the currency price goes down. Short term, this means business expansions, increased household spendings and a growing economy. Sounds really good? Well, again, not really. The more money that is borrowed means the more money that is owed. In the long run, the accumulated bank credit comes down on everybody's head like a big storm creating a financial crisis. This is called the macro economic cycle. This pinnacle is common to all capitalistic-type economies. National banks are continually trying to balance the scales by periodically raising and lowering interest rates. This is called the micro economic cycle. These economic cycles are much like climate change cycles - slow, unstoppable and very dangerous to the market participants that can't see them coming. Analysis is the key Analysis is not only the key to success in trading, analysis, to some extent is the only thing that makes Forex trading really work. The two principal schools of market analysis are fundamental analysis and technical analysis. Fundamental analysis is an evolved form of financial audit, only on the scale of a country or, sometimes, the world. This is the oldest form of price forecasting that looks at the various elements of an economy – its current stage in the cycle, relevant events, future prognosis, and the weighted possible impact on the market. Fundamental analysis deals with a country's GDP and unemployment rates, interest rates and export amounts, war, elections, natural disasters and economic advancements. Impact is weighted in terms of influence on supply and demand. For example recent advancements in shale oil drilling technologies are promising a steady and increased supply of oil now and in the near future, which has driven oil prices to their decade low in winter 2014/15. Fundamental analysis requires an understanding of international economics and deals with factors as yet unaccounted for by the market. This school of anaylsis works for investing and long-term trading. The drawback of this type of analysis is the element of uncertainty that so many inputs create. The advantage of fundamental analysis is that when done correctly, it predicts fundamental price movements that can help generate profit over a prolonged period of time. Technical analysis is a younger form of market analysis that deals only with two variables – the time and the price. Both are strictly quantifiable, accounted for by the market and are both undeniable facts. This is why for many, Forex trading works better when studying charts rather than making economic inquiries. Whether you are drawing support and resistance lines, identifying key levels, applying technical indicators or comparing candlestick formations - you are figuring out how online trading Forex works without looking into causes for supply and demand. Technical analysis can be used for both short and long term trading purposes. It is the only thing available to quick-style traders like scalpers, who make their profit from the infamous daily volatility on Forex rather than trend following. The strength of the technical approach is in analysing quantifiable information precisely as it has been accounted for by the market. The drawback is that it has already affected the market. To trust the outcomes of technical analysis one should subscribe to the notion that price formations in the past may have an effect on price formations in the future, which to many fundamentalists seems ridiculous. Putting it simply, fundamental analysis is an economic detective with elements of future forecasting, while technical analysis is visual price-time archaeology, combined with statistics. Fortune favours the prepared Lack of preparation is the very reason why so many aspiring traders fail before they ever manage to figure out how Forex trading works. Numerous books are written about the trader's psychology and how to avoid the pitfalls that a trader's mind is keen on slipping into. Again, the problem is the approach and it is easy to get confused when everything is new. Some Forex brokers, due to the nature of their business, often pitch Forex as a pseudo-scientific gambling attraction that is basically like flipping a coin only with a somewhat better methodology. As a result of such marketing, newcomers come with little or no training, expecting to make fortunes out of $10 in a few decisive clicks of a mouse. They jump into the market full of hope and the market spits them back out, disappointed and empty handed. The majority of Forex traders lose money and their broker's business model is well adjusted to that trend. This is neither good, nor bad –this is the reason thanks that the market exists. Every time you close with profit, somebody else has to close with a loss. Getting back to our point about being prepared, there's nothing that would prepare you better than demo trading – a risk-free way of trading in real-time conditions to get a better feel for the market. It is highly recommended to immerse yourself in demo trading first and only then moving on to live trading. The results will speak for themselves. Risk free demo account How does Forex trading work from a practical standpoint? A currency value is measured through how much of another currency it can buy. This is called a price quote. There are always two prices in a price quote - bid and ask. The ask price is used when buying a currency, while the bid price is used when selling. Note that the ask price of any financial instrument is at all times higher than the bid price. Thus, a bank will always buy your currency a bit cheaper and sell it to you at a higher rate. The difference between bid and ask is called the spread. Both bid and ask prices are communicated between market participants almost instantaneously at all times except when the market is closed. A trader receives quotes via the internet from the brokerage firm who provided the trading account for him. In turn, the broker firm receives price quotes from its liquidity providers – banks. Generally speaking, the more liquidity, the tighter the spread, which is better for everybody. Usually trading is ongoing, conducted smoothly and liquidity is plentiful. However there are times, like during major news releases, when price gaps occur due to major price shifts over the shortest periods of time. The rest is simple Forex mechanics. Trading takes place on the chosen Forex platform at the click of a mouse. When, for example, a buy order is placed on EUR/USD pair, a portion of funds from the trader's account is used to purchase the pair's base currency – in this case the euro – and sells the pair's quoted currency – US dollar. The broker does this and it is called placing a buy order. The order is placed either with the broker (Market Maker) or communicated directly to the Forex interbank market (ECN execution), where the big players are. It is important to understand that a trader can place an order to sell a currency that he does not 'own'. Next, depending on the trading strategy, a trader waits until the purchased currency grows in value, relative to the sold one. When the accumulated profit is satisfying to the trader, he closes the order and the broker does the opposite set of transactions - sells euros and buys dollars. A reverse process takes place when a trader places a sell order. The concepts of buying and selling in Forex can be confusing at first, since in every trade one currency is exchanged for another, meaning there is always both buy and sell in every trade. For a beginner trader, it might be easier to think of a currency pair as an abstract financial instrument to which a price is assigned by the market. Now you know the main driving forces of the market, its underlying structure in terms of key players, two main schools of market analysis and how online Forex trading worls from a practical standpoint. Source: https://admiralmarkets.com/education/articles/forex-basics/how-does-forex-work?#c!=1 © Admiral Markets










Acne Treatment Solutions - A Comprehensive Review Acne plagues thousands of people around the world. From teenagers to adults on the wrong side of middle age, it is a skin disorder that is extremely common as well as very unpleasant. It is painful, distressing, and often leaves scars even after it is treated. There are hundreds of skin-care products that claim to treat acne. Finding the right treatment for you is almost like finding a needle in a haystack. To make things a little easier for you, here is a comprehensive review of five of the best acne treatment solutions as per popular ratings. The reviews are accurate, based on substantiate research, and are aimed at helping you make a healthy and informed choice. The five products being reviewed here are Murad Acne Complex, Proactive Acne Solutions, Clinique Acne Solutions, Clear Skin Max and Exposed Skin Care. Murad Acne Complex The Murad Acne Complex consists of a three-step process, which consists of a Clarifying Cleanser, an Exfoliating Acne Treatment Gel, and lastly a Skin Perfecting Moisturizer. It was developed by Howard Murad and has been a popular product for treating acne breakouts. The product has yielded mixed reviews from viewer ratings and is different from most other acne treatment products in the sense that it does not contain benzoyl peroxide, which is a leading ingredient used in most acne treatments. The product claims to remove all signs of acne in just 4 weeks. While this is not exactly accurate, results are often visible within the second month, depending on the severity of the condition. Pros While the purging period does see some aggravation of the condition, the product pulls through and actually gives visible results. The moisturizer smells pleasant and does not stick. The Pore Cleansing mask that the treatment comes with is quite helpful and has a lot of positive reviews. It uses a lot of natural extracts such as bitter orange oil, tea tree extracts, camellia leaf extract, menthol along with known acne fighters such as salicylic acid that help in curing acne without causing much damage to the skin. Spot sulfur treatment that it includes has also given positive results among a large number of users. Cons The purging period is extremely painful and itchy. The acne increases considerably before it is healed, if at all. Moreover, the product does not work for all skin types, and the moisturizer is not enough to help soothe the roughness and pain. Reviews have revealed that the system leaves the skin oily and shinier and that acne takes a lot of time to heal, especially if it is in its moderate or severe phase. Verdict The Murad Acne Complex might or might not work for you. It has mixed user ratings and though it can be helpful for minor to moderate acne, it has reportedly shown less impressive results for severe cases of acne. However it might work if you have oily skin. Proactive Acne Solution Proactive Acne Solutions is an extremely popular, three-step acne treatment system that consist of cleansing, toning and acne repairing. A new product that Proactive recently added to its acne treatment list is a Refining Mask. The product was first manufactured in 1988 by Guthy-Renker, and has been a popular treatment since. According to the instructions, only a dime sized amount of cleaner, a cotton ball of toner and a pea sized amount of repairing treatment is to be used twice daily for the system to work. Pros The system covers blackheads, pimples, whiteheads and cures immediate acne breakouts. It reduces the visibility of pores and leaves the skin fragrant. It works well for some and leaves skin soft and supple, if the instructions are followed exactly as given. The Refining Mask is very useful for drying up pimples since it consists of sulfur as an active ingredient, which is known to effectively kill acne causing surface bacteria. A Tea tree Moisturizer is also available as part of the kit and should definitely be used along with the system which is known to leave skin soft and dry. Cons The products are extremely harsh and may not yield good results, even aggravate the condition sometimes. The treatment causes excessive drying of the skin, and skin peeling has also been reported, though the exact cause of the peeling could not be determined. Proactive is expensive, and often does not yield positive results, sometimes even after 8 weeks of regular usage. It is also not recommended for dry to normal skin at all since it completely dries out the skin and leaves it reddened and irritated. Verdict All in all, even though Proactive might work for some, most users have reported negative results, with no improvement in the condition whatsoever. Despite this, it continues to be a popular product. You can try it for the sheer popularity of the product. Clinique Acne Solutions Clinique is a well known brand and has allergy tested and medically approved skin care products that are very effective in treating skin problems. Clinique Acne Solutions Skin Care Treatment uses gentle exfoliation and cleansing to unclog the clogged pores of your skin to reduce the dirt build up which causes acne. It is gentle on the skin, and does not contain any oily or smelly substances that could affect the skin negatively. Pros It uses salicylic acid as its main ingredient for acne treatment, which is popular for its anti-acne properties. The system consists of a cleanser, a gentle exfoliator and a lotion, which contains benzoyl peroxide. It clears acne by reducing oil secretion and improves the complexion with repeated use. The supplementary skin care products that Clinique offers are helpful in reducing blemishes and scars left by acne. "Even Better" is one such product that specializes in treating acne. The company also has spot treatment products that zap away almost all the pimples in the shortest possible time. The product claims to remove acne in 6 weeks, and leave skin softer and clearer. Cons 6 weeks is a longer period than that is promised by most acne treatment solutions. Most treatments claim to yield results within the first month of usage. There is no clear list of all anti acne ingredients used in this product since no official description or list is provided. It is good for curing sudden breakouts but does not hold out well in the long run. Salicylic acid and benzoyl peroxide are both not enough to treat acne in its core and there are no other primary anti acne agents, natural or otherwise in the system. Verdict The product sells on its brand name however does not live up to expectations. The product website does not give any detailed description of the anti-acne treatment, or about the ingredients that are used for making it. There are variety of other products in the market that might offer better results at lower prices and are all-natural. While Clinique works to remove a pimple here and a zit there, it fails to target the core problem of acne break outs. It can be used as an effective immediate spot treatment solution though. Clear Skin Max A relatively new member of the anti acne treatment family, Clear Skin Max is still proving its mettle in the skin care industry. Till now it has had some very positive reviews due to its new and all natural approach towards fighting acne. Clear Skin Max was designed as an alternative for those who did not want to subject their already damaged skin to further chemical damage. It uses natural ingredients that help in reducing inflammation, acne, and irritation without causing any side effects or without excessive drying of the skin. Pros Since the skin is naturally sensitive and acne inflicted skin gets further damaged with chemical treatment, products with natural ingredients are always a plus. Clear Skin Max uses anti-acne tea tree oils to control acne which have been reported to show immediate results in reducing inflammation. Chamomile oil and bladder wrack are also used to treat acne without causing any harm to the skin. Not only does the product treat acne but it also leaves skin softer. Better still, it does not contain any harsh chemicals that cause drying of the skin. Chamomile oil is effective in reducing scars and blemishes left by acne and since it is also an anti-bacterial agent, it also prevents acne naturally by fighting bacteria. Another plus point of the system is that it contains bladder wrack which is known not only for its anti-acne properties but also because it restores elasticity to the skin, helping the skin remain youthful and smooth. It also uses natural products like hyaluronic acid, which is a known youth restorative, jojoba oil and others that maintains the moisture levels of the skin. These natural extracts not only fight acne but also strengthen the skin from inside and thus prevent breakouts, apart from clearing the skin of acne and its scars. Cons The ingredients are not used in high quantities in the product, which sometimes may not be enough to treat acne. Severe acne might not be easily treated with natural ingredients, since they require stronger ingredients that directly aim at reducing acne. Even though the 6-step system is designed to fight and destroy acne right from its roots, it will really take a long time to heal for those who suffer from severe cases of acne. The negative aspect of this point again depends on how patient the user is even though the product yields guaranteed results. Verdict Clear Skin Max is a complete product that not only helps fight acne but also helps to protect and strengthen the skin. It is great for mild to moderate acne as well as adult acne and has been reported to have minimal side effects. It uses natural ingredients that have no reported side effects and the product enjoys great reviews by most users. Exposed Skin Care Acne Treatment This acne treatment system consists of 6 different products, a facial cleanser, that cleanses and exfoliates the skin, a clearing tonic that claims to delve deep inside the clogged skin pores and opens them up so that the dirt and grime can escape. Then there is the Acne treatment Serum, which is the main repairing product that consists of benzoyl peroxide, a well-known anti acne element. A Clear Pore serum also comes with the system and is to be used at night; it works nocturnally to unclog your pores and clear skin. The last two products consist of a Clarifying mask which is to be used twice a week at most, and a Microderm scrub, that has anti oxidants for deep pore exfoliation. Pros It uses Azelaic acid, a known anti bacterial component as its primary ingredient, which clears acne by killing bacteria which is the main cause of acne. It also contains a 3.5% concentration of benzoyl acid, which is a popular ingredient in several anti-acne treatments. It deeply exfoliates skin to keep out all the unwanted oil and dirt from the pores. This enhances your skin and helps to keep it free from acne. Cons Azelaic acid has many known side effects such as skin irritation, and unwanted hair growth. Many users have reported an increase in the quantity of facial hair after repeated use of products containing high concentrations of azelaic acid. Also, the product lists tea tree oil as one of the leading ingredients, which can only be considered as a subsidiary product since it only aids treatment without playing any substantial role in the actual process. The 3.5% benzoyl peroxide concentration is not enough to fight acne, the standard requirement being 5% to 8% concentration. Severe cases of acne cannot be treated well with this range of products. Moreover the customer service is reportedly unresponsive, thus you might face a problem if you choose to pursue the money back guarantee at all. Verdict In conclusion, it can be said that this is a good product to use for those with mild acne but it does not work well for treating severe acne. Moreover many other products are available in the market that uses natural ingredients. Organic products are always a better option. This is another product that can be used to treat mild acne. However keep in mind that treating acne requires not just medication but also a healthy lifestyle. Proper diet, nutrition, exercise, sleep, hydration and hygiene are extremely important for a clear and healthy skin. Medications can only work when coupled with a healthy lifestyle. So if you are plagued with acne, first, change your lifestyle, and then clear your acne with the help of the perfect product for you, which you can pick with the help of these reviews. Article Source: http://EzineArticles.com/7083840
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