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Lower gas prices seen fueling U.S. consumer spending in fourth quarter

The impact of rising costs of energy on households and economy has become a matter of public concern and attention. The increasing price of natural gas and oil has become the newspaper headlines debate and a challenge for the government. The change in climate is one of the reasons for the rising energy costs. When summer and winter approaches people are happy in their energy efficient houses.
But one of the main concerns is that the impact of this falls heavily on low and middle income households. Rising price in fuel has already affected the common man in developing countries like India. Now it has become a rising concern for economists across the world. The main reasons for the rising costs are increasing population, increasing demand, urbanization and rising incomes. The westernization has a lot of effect in the rising costs of energy. It is shifting the eating habits from the staples of old to the livestock and dairy products. So it increases the demand of food. The fallout could be greater in a place like Asia where a most people survive on less than 2$ a day. It might have major implications for leaders hoping to keep the peace and avoid mass protests. The New York University economist who predicted the US financial crisis says surging food and energy costs are stoking emerging market inflation thats serious enough to topple governments.
The increasing energy prices are also impacting on business and the community. If you are looking for ways to lower your energy costs, here is a list of helpful tips on how to save and budget amid rising energy prices:
Maintain a Savings Account: You can maintain a winter heating savings account so that you can afford the higher heating bills in the winter. Deposit a certain amount of money each month and by the time winter arrives; you will have enough money to use for your heating costs.
Thermostat: When the heater is ON the whole day, it increases the power bill and consumes a lot of energy. You can reduce this wastage by turning your thermostat off or down when you go out or when you go to sleep. This will reduce your power bill to a great extent. If you want to save more money, you can turn the thermostat down earlier in the evening and put on a sweater if you start to feel cold.
Efficiency of the Furnace: A furnace has to work hard to heat the house and it increases your power bill. So you can improve your furnace by cleaning it regularly and the air filter will improve its efficiency. You should see that your furnace is not nearer to any cool drafts so it will not be constantly running.
Turn OFF the Lights: A lot of money can be saved if you turn off unnecessary lights. For example, you can turn off the lights before you leave that room. You can also use energy efficient bulbs which will help in cutting down the costs.

Lower gas prices seen fueling U.S. consumer spending in fourth quarter

Penny Stock UBIQ $0.53? 1/30/15

How To Paper Trade Stocks

Just as the name implies, paper trading stocks is trading stocks not in a real brokerage account but in some form of record-keeping e.g. a spreadsheet or a journal. So, there is no real money involved, only your imaginary investment funds will be traded. How To Paper Trade Stocks

Why Would Anyone Do This?

As expected, trading on paper offers plenty of benefits for both the novice and the veteran investor. You will learn the ropes of stock investing without jeopardizing your real money. You will be able to apply your entry and exit strategies in a ‘simulated’ environment. In addition, you will also be able to refine existing investment strategies, choose the most reliable source of information and monitor stocks with great potential for your portfolio.

Of course, your approach to paper trading and the benefits to be gained from it are affected by several factors.

First, your motives in paper trading must be clearly defined from the beginning. For example, the results will be different when you intend to just learn how to trade in stocks as against when you want to test a new investment strategy.

Second, your steps towards using the paper trade stocks will affect the success of the entire exercise. For example, if you approach it in a haphazard manner, you definitely cannot expect to learn as much as when you have taken the necessary steps in the right order eventually leading to successful trades.

Do It Right

One of the most important steps in ensuring success in paper trading is the establishment of parameters. You want to customize these parameters to conform to your investment goals, your real money available for investment and your personal preferences. How To Paper Trade Stocks

* Starting cash – This is the imaginary investment money poured into the stocks. Choose the amount that will closely approximate the real investment fund although it is a good idea to stay within the $10,000 to $20,000 range for starters.

* Time frame – Although you can play around with paper trade stocks forever, it is best to set a time frame for evaluation purposes.

* Screening Method – This can be done through setting of criteria for the stocks that will be invested on albeit in an imaginary manner. For example, it can be that trading is performed on a certain industry only or on certain penny stocks or on many types of stock so as to get a feel for the whole market.

* Trading prices – If you were trading in the real world, the prices of the paid shares of stick are easily available from your online broker. However, with trading in paper trade stocks, you will have to choose the meter on which to gauge stock prices. It can be the day’s closing or opening prices just as long as you choose one.

* Trading activity – You have to act as if the whole paper trading process is a real-life scenario. Thus, factor in broker’s commission, keep extensive notes on your moves and monitor your investments. This way, you have written notes to scan through when you are at a crossroads of decision-making for your real money investments.

Paper trading is one of the best tools available for stock investors who desire to gain experience in the markets without losing a single dime. So, starting today, do look into paper trade stocks and build your imaginary wealth. How To Paper Trade Stocks