learn forex first

If you have learnt how the Forex Market operates and are ready to invest your own money into the market but don’t know which trading system to use then you may want to look into obtaining a Forex Expert Advisor. An expert advisor is a piece of software for the MetaTrader trading platform, which once installed; is designed to automatically trade the market for you. That doesn’t mean you have to follow the system blindly, you could use it alongside your own system to increase profits or just learn a few things from it and create your own system. Nonetheless expert advisors can be completely automated and if used properly they can save you a lot of time, relive stress, and help you make some nice profits from Forex Trading.

However looking for a profitable expert advisor is no easy task and for a beginner its pretty easy to get confused and possibly even mugged out of your money by the many scammers out there, if you are not careful. The market for Forex trading systems is heavily saturated with expert advisors that make amazing claims and offer dream results, but most of these sites can never provide legitimate info to back up their claims. These sites usually contain over emphasized sales letters along with pictures of Ferrari’s and mansions, they are pretty obvious to spot out and if you happen to encounter one of them, please do yourself a favor and stay well away from them.

Although with that being said there are a few legitimate expert advisors available on the market, that can make you money, and they are a great tool to have in your trading arsenal if used with proper money management techniques. All you need to do on your part is know how to find them and then pick which one is suited to your trading style and experience level. I have used a few of the top commercially available expert advisors on the market today and have traded them with some level of success. So I am going to let you in on a few essential things to look for and consider when looking for a profitable Forex expert advisor. It should help you differentiate the scammers from the real deal and hopefully help you make some good money off the Forex Market.

Factors To Consider When Looking For A Profitable Forex Expert Advisor

There are a few key things to look for when picking out a good Forex Expert Advisor and they are:

1. Always look for Forward test statements. Backtest statements and results are pretty much useless and can be easily forged so their no good. Forward testing is very important as it lets you know how the expert advisor will trade and react in different (LIVE) market conditions. Forward-testing is the major factor in your decision to purchase an expert advisor and in determining whether or not an expert advisor is reliable and profitable enough to trade with real money — it’s as close as you can get to seeing how the EA will perform in the live market.

2. Make sure the seller of The EA is the creator and an email contact is offered for any inquiries. Also the website and creator shouldn’t hesitate to provide you with extra info on how the systems works and elaborate on its strategy without pushing for a sale.

3. Provide regular ongoing after sales support - this is absolutely essential as the Forex Market is continually evolving and all EA’s need to be adjusted in order to adapt to market conditions. The creators are well aware of this fact therefore they are always upgrading their EA’s to remain profitable, and they will offer their customers free lifetime updates. Also by offering after sales support it lets you know that the seller is serious about his business, and is committed and dedicated to helping his customers make money with his Trading Systems.

Therefore if you’re looking for an expert advisor to automate your trading decisions then stick to the basic guidelines I have mentioned above. According to the info provided you should be able to give any expert advisor a thorough examination and in turn be able to find a good trading system that you can use for a long time to come which can help you make some easy money off the Forex Market.

It is no secret that in order to succeed in the world of Forex Trading You must follow a good trading system and adhere to strict money management techniques. An Expert Advisor can seriously simplify the process and get you well on your way. If you wish to automate your Forex Trading Decisions by using a Forex Expert Advisor then check out this Collection of The best Expert Advisors available for Forex Trading.

There are a mind boggling number of forex brokers available to choose from. Choosing the right broker is the most important decision you can make for your forex venture. Here is a checklist of what you need to be looking for.

1. Regulation. Just because a broker is available does not mean they are regulated. You may want to check first what country your broker is registered in. Some countries have lax laws regarding forex brokers. In the US, brokers are regulated by the Commodity Futures Trading Commission or the National Futures Association. If a broker is regulated, then they must regularly submit financial reports to these organizations. If these reports are not submitted, then they can be fined, or shut down. Any person can view these financial reports (similar to publicly traded companies). This regulation also give the investors avenues to pursue if there are any issues with the broker.

2. Company customer service. Check and see if there are any complaints about the forex broker with the Better Business Bureau. If there were complaints, see how the company resolved these complaints. Call or email the broker with any questions. You should not feel uncomfortable doing this, as they will be holding your money. The broker should be courteous and respond quickly to any and all questions. Does this particular broker have a lot of discrepancies between the price the trade was requested at and the actual value? This is called ’slippage’ and can lead to the loss of funds if it is rampant. Some brokers will compensate you for the slippage, others do not.

3. Trading options. Not all forex brokers offer the same types of platforms, spreads or leverage. You need to decide which options are the most important to you. Some things to think about regarding options are: Commissions - does the broker take a commission and a spread? Make sure the spread is small enough to compensate for the commission. Spread - what spread is offered? Does the spread vary depending on the time of day, or is it always constant? Margin - is there a maximum amount of leverage allowed by the broker? Scalping - what is the broker’s policy on scalping? Some brokers will put your account on manual execution if you scalp. This means that all your transactions have to go through a live person to be executed, which will slow down your trades and possibly keep you from getting some trades. Platform - what type of platform does the broker offer. Is it easy to use and understand? Does the platform perform quickly enough to execute trades instantly?

4. Demo account. Does the broker offer a demo account to practice with? And does the demo platform perform exactly like the live version? A demo account is a great way to test the platforms and see if you like the features the platform offers before actually sending them any funds.

Running a checklist on all the brokers you want to check out should narrow down your options and help you choose the best broker for you!

Michael Russell
Your Independent guide to Forex Trading

For a Forex software review to provide valuable, comprehensive and cost effective information to the end user the most critical factor is the neutrality of the evaluator. In other words, if a site offers only one or two reviews of Forex software you have to wonder if they are really offering an unbiased review or attempting to sell a product. Next, the person or team actually testing the product really needs to be professional Forex traders. And finally, you need to determine if they really tested the product for an extended period or just briefly looked to the item.

Below are a few short but valuable tips to consider when attempting purchasing Forex software. I have so many people emailing me and asking the same question that I decide to write an article about it. The questions is the following, “which is the best automated robot Forex software system that you can just turned on and walk away from and it is going to make me rich?” For that reason and that reason alone I went out and bought a very large heavy frying pan and I am now researching how to send it back to them through email and make sure it hits them on the head. If I have said this one time, I have said it a thousand times, none of those systems WORK! I will say it a different way, you will LOSE your money if you attempt to use one. Let’s try to say the same in differently fashion just to make sure I get the point across, they STINK, they are BAD, they are SCAMS, and finally they just are AWFUL! Do you get the point now? Is there anything else that I really need to add?

Hopefully that is well understood now, but of course not, tomorrow I will have at least twenty emails asking the same question and I am going to just send out this article, along with the frying pan. The principle reason for purchasing a Forex software package is to utilize it as a TOOL to help you trade and NOT a decision maker. The FX software packages for the most part do a good job of gathering information and interpreting it to the point it is useful to the user as a helpful tool to facilitate the decision making process. That is essentially what they do, and to be frank with you, that is all they do good. They really can’t do anything else. Understand now, I hope so!

I am sure your saying to yourself, if that is all they do are they worth the money? Have you lost your mind for even asking that question, they are worth ten, twenty times what they actually cost, if not way more. These systems are able to quickly and effectively capture data and evaluate in a fashion no human could ever do. Most professional private traders employ at least two packages simultaneously. The big time traders all have some kind of trend system as well as a software package that sends them signals. The pros them might add some kind of specific formula based system they have found useful in identifying profitable trades. For that matter, they might much more than one formula based system working with there main trend and signals systems

A good Forex software review can certainly help you with the buying process. A few points to remember are, first there is NOT an automated robot that works. Second, you pretty much are a fool if you are attempting to trade the Forex markets without a high quality trend and signals based Forex software systems. And finally if you purchase a top tier rated product you can be pretty sure you’re getting something that is going to beneficial and make you money.

We have researched, tested & reviewed 100s of Forex Courses, Software Systems and Brokerage Firms which we only list our TOP 10 to help you LEARN FOREX TRADING. For 100s of FREE FOREX TUTORIALS please visit LEARN CURRENCY TRADING. Good Luck! I look forward to seeing you on the trading floor making money! William R. Alheim, Jr., CPA, MA

Automated forex signals services provide online forecasts of the forex market through subscription websites or emails. The owners of these forex services claim to have developed a sophisticated algorithm that calculates signals for entry or exit based on analysis of chart data. The promise to you, is a fast, guaranteed way for anyone to make money in the forex market - but only if you subscribe to their service! I will show you why almost all of these services are scams, and how the scam works.

Before I go further, I want to point out that there are legitimate algorithms to find forex trading signals. But successful forex trading systems usually generate a small margin of profit. For example, a real, successful automated forex system may provide the correct prediction only 55% of the time. This is enough to make a profit over the long run, although small-time investors face the risk of Gambler’s Ruin, which I will discuss in a future article.

There is a very simple scam, though, to create the illusion of a forex signals service with an incredible success rate, and many online forex forecast services employ this method. The scam works as follows. Say that a company advertises an automated forex trading signal service with a high success rate. 1000 people sign up to try it. The forex services send signals to 500 subscribers to go long on EUR/JPY and 500 subscribers to go short on EUR/JPY. Let’s assume that the forex market in fact goes long for EUR/JPY. Now 500 people are happy, and 500 people are mad. The 500 mad people may quit the service (or they may give it a try for longer).

Next month, the automated forex service takes the 500 happy people, and signals 250 to go long on EUR/USD and 250 to go short on EUR/USD. Again, let’s assume that the forex market goes long. Now, 250 are happy, and 250 are mad. Of course, the 250 mad people may still stick around, but the end result is, that the forex service has made 2 months worth of subscriptions from 500 people just by using the “flip-the-coin” algorithm. I would say that is a scam, wouldn’t you?

New traders sign up for the forex signals service each month, and not everyone quits after a poor signal, so the scam can continue indefinitely, profiting the forex trading service, and not you.

To summarize, be very wary of forex services promising to send you automatic trading signals. You are really no better off than gambling your money away. Some people will profit from these forex scams, purely through luck, while others will lose money. Be sure to research any forex product before you make a purchase.

Instead of hoping someone will give you a hands-free, mind-free way of making money in the forex market, the best investment is learning yourself how the forex market works. You will not be scammed if you understand and test the forex market yourself.

Visit http://www.squidoo.com/forexpowerstrategyreview to find out about forex lessons online.

Yanik Silver

Yanik Silver is a well respected copywriter and consultant who specializes in selling tools to marketers. Before Yanik Silver got involved with direct marketing, he sold medical equipment. Yanik Silver has a great reputation in the world of marketing. Yanik Silver also provides excellent customer service unlike many others. Unlike a lot of the big players, Yanik answers his emails in a timely manner and he’s very polite. He actually answers questions himself which is unheard of in this industry. It’s nice to see a marketing instructor who is actually humble these days like Yanik. Yanik didn’t just pop up on the internet overnight and get instant success. Actually, he was already an excellent copywriter before he even arrived to the internet scene. Yanik Silver ran quite a few successful marketing campaigns back when he was selling medical products offline.

Since he already had plenty of copywriting expertise, Yanik just got a brilliant idea to create his famous products. Yes, Yanik Silver is the one who produced the very successful Instant Sales Letters website. At that site Yanik uses fill-in-the-blank style templates to help even beginners create effective sales letters, or for people that just can’t stand writing. There, he uses his most successful sales letters that received the greatest response so that you can be almost guaranteed the same great results he got from them. Yanik Silver has written several internet marketers strategies books each of them selling thousands of copies.

Corey Rudl

Corey Rudl (1970-2005) was a Canadian, and founder and President of The Internet Marketing Center. He was also an author, speaker, and software producer. Rudl started his first online business in 1994, turning it into a multi-million-dollar business based on Internet marketing strategies. In response to the demand for his advice, Corey founded the Internet Marketing Center, where he taught techniques and strategies that stemmed from his own experience. His Internet marketing guide is sometimes described as the “Internet Marketing Bible”. Rudl’s articles appeared in publications such as Entrepreneur.com, the U.S. Small Business Administration’s, the Direct Marketing Association, Marketing Profs, Opportunity World, Money ‘n’ Profits, Dig-IT Now, and Home Business Journal.

Rudl had an untimely death as a motocross driver, winning a 2002 Vancouver Molson Indy sports car event. On June 2nd, 2005, Rudl rode in a 2005 Porsche Carrera GT driven by Benjamin Miles Keaton, on a San Bernardino county track that was also being used by a local Ferrari sports club. When Keaton tried to avoid a queued car, the Porsche went out of control, left the inside track and careered onto the grass, hit a barrier at an estimated speed of 100mph and caught fire at 10:40 a.m. Rudl was the passenger and died at the scene. The driver, Benjamin Miles Keaton, 39, was airlifted to Loma Linda University Hospital, where he died about an hour later. Both men were not burned but died of crash injuries, even though both were wearing helmets and safety belts.

John Fagan is a top internet marketer who works with industry leaders from around the world. He has a passion for helping others achieve their goals, dreams and aspirations. To learn more about John Fagan and his team, and a Click Here.

You’ve probably seen the ad slogans from many cash advance companies - “Get up to $500 before your next payday!” “Get up to $1,000 within minutes!” “No faxes or credit checks necessary!” Going beyond the slogans, obtaining a cash advance is often a very simple process.

The requirements for obtaining a cash advance are far less strict than with traditional financial institutions that provide consumer loans. For starters, your current credit score is insignificant to companies. These lenders don’t bother to check your credit since many lenders already assume you have bad credit.

If you have bad credit you’ll be considered to have a subprime credit rating. As a subprime borrower you’re only likely to be approved for credit with very high interest rates, which is exactly what a cash advance is.

If you need a cash advance, the company you deal with may use the TeleTrack credit reporting service to see if you have any outstanding debts from other subprime lenders. A credit check processed through TeleTrack will not be recorded by any of the three national credit bureaus and will not lower your existing credit score.

If you pass the TeleTrack credit check, qualifying for a cash advance is usually quite easy if you’re employed and have regular income. Many companies will also require you to earn a minimum income of around $1,000 a month and have a checking account in your name.

Traditionally, cash advance companies required you to mail or fax in a blank check, most recent bank statement and your most recent pay stub from your employer. To prevent fraud, many of these companies also required a copy of your driver’s license and telephone bill.

Today, with many companies going online, you can find out if you’re approved in a matter of minutes. Many lenders now contact your employer by phone to verify your employment information. Lenders are very discrete so you don’t have to worry about your employer finding out about your need.

Once approved, all you usually need to do is provide a valid checking account number as well as a routing number to have funds transferred into your account within an hour of approval. If your loan is approved after your bank’s business hours the funds should be transferred no later than the next business day.

If you’re ever in a desperate cash crunch, a cash advance can get you the money you need fast and easy. If you ever need to pay for sudden auto repairs or some other emergency you didn’t budget for you’ll definitely appreciate it.

John Campbell is the writer and editor of CashBuzz, A financial portal with the latest articles on money management and links to credit cards for bad credit as well as other loan products for the under-served credit market. This article may be reprinted on your Web site if the copyright, author information and active link are included.

Months after the auction rate securities (ARS) market collapsed following a broker-dealer pullout, investors across the United States are still waiting for liquidity to return to investments they once thought were safe places to park their funds. Though some issuers of municipal bonds have made efforts to refinance their debt, holders of student loan backed auction rate securities have only a 99% auction failure rate to look forward to.

The story of the ARS market collapse, like many others involving the finance industry, is one mired in conflict of interest.

For much of the ARS market’s history, broker-dealers like UBS, Merrill Lynch, and Lehman Brothers had “shored up” their auctions by submitting bids on their own behalf. These bids ‘of last resort’ provided extra demand for auction rate stocks and bonds, ensuring that there was a buyer for all shares exposed for sale at auction. For years, this practice appeared immensely successful; the market thrived and investors were attracted by the liquidity of the ARS system.

But by late 2007, major investment firms and broker-dealers were well aware that the ARS market bubble was about to burst, as internal e-mails and reports to state governments show. This was a serious concern to broker-dealers, many of whom had accumulated billions of dollars in auction rate paper. These concerns were swiftly conveyed to several state governments, encouraging municipal borrowers to refinance their debt - a gesture not of broker-dealer goodwill, but of self-interested survival, as evidenced by the fact that such a warning was never given to the countless investors who also held ARS.

However, even such a move was not enough to satisfy executives at major financial institutions; they needed some way to quickly unload ARS that they knew were doomed. But who in their right mind would want to purchase the securities in the months before a market crash?

Faced with a conflict of interest between preserving immediate profits and ensuring the well-being of their customers, broker-dealers predictably chose to save their own money. Though they knew that auction rate securities were soon to become illiquid, they aggressively marketed the securities to unsuspecting investors as “safe, liquid, cash-equivalent” investments.

What investors didn’t know:

- The securities they were purchasing were held by broker-dealers who were eager to unload paper whose value and liquidity were due for a fall.

- The liquidity of the ARS market was dependent on the same broker-dealers who were trying hard to exit the market.

For more information about the ongoing auction rate securities crisis, visit the website of ARS lawyers at http://www.auctionratesecuritieslawsuit.com.

Joseph Devine

As forex traders we cannot live without them! They are our magic bridge between humble living and the vast world of forex market. And in order to survive in forex market you have to make sure that the forex broker you have picked is honest and reliable.

To everyone’s regret, not all forex brokers are reliable though. So in order to avoid “I can’t live with or without my broker” situation you have to 4x every term and condition of the forex broker you have picked. Don’t let any condition or extra fee catch you by surprise. The more you know about your forex broker, the better!

In my opinion, the first thing you should check is support. 4x trading you can run into technical problems, find yourself asking trading questions or even be unable to locate your trading history. Forex broker should provide a fast and professional support to every question that might arise via chat, email or phone call. I think the best way to check this is to open a demo account and see how fast support answers your requests. After all, if a forex broker doesn’t take a good care of potential traders what will happen when you turn into a real client? A professional forex broker will give an outstanding support, especially in technical area.

Second thing that I would check in a forex broker is leverage options. Just a reminder for those who forgot - leverage is like a loan. For example a leverage of 1:100 will turn your $1000 into $100,000. But, of course, never ever forget that there is a great risk involved with this trading option. I suggest not drooling over high leverage option. It might just be a perfect trap where you loose all your savings!

One more thing that is crucial in choosing the right forex broker is the spread. You might ask why to care about spread? If the spread is how forex brokers are getting paid for their service why would I care about it? Just a quick reminder, spread is a difference between buying and selling price. So the bigger the spread is, the more the exchange rate has to rise in your favor to break even. To make things short - avoid high spreads! Whenever you see spreads higher then, let’s say, 6 pips, RUN!

Let’s not forget the trading platform. There are two options web-based and download trading platforms offered by forex brokers. Which one is better? This is something you should decide for yourself. Whether download or web-based, make sure that the trading platform has every trading tool you need, including charts, news, available currencies etc.

Just to summarize - investigate, interrogate and cross-examine your forex broker before you jump in! Test your forex broker with demo accounts and make sure to read those extremely boring terms and conditions. Oh, and one more thing, don’t miss anything written in tiny letters in beige font - it might just be another “invisible” extra fee.

There, I said it all. Here is the list of forex brokers: http://www.forexexplore.com/top-forex-brokers.html that I believe to be honest and reliable, big thanks to ForexExplore Team.

Check out more forex articles, tutorials and forex brokers reviews at http://www.forexexplore.com

Back in 1997 major financial slump rocked number of countries in Asia, an event that became known as “Asian currency crisis”. Effected countries included Taiwan, Thailand South Korea and others. One of the memorable comments of the time came from one of leading Thai politicians. He blamed this whole mess on speculators, with George Soros being the main culprit. The remarks went so far as to public statement of “not being able to guarantee his safety if he visited Thailand”. Quite ominous.

The fallout in South Korea was brutal. The US Dollar has about doubled in value against the Won, with USD-KRW moving from just above 800 in early 1997, to 1600 by the year’s end. Local stock market suffered similar fate, as did all areas of economy. Perhaps most telling was an enormous spike in unemployment, as the jobless rate soared to almost double digits, with about 9 million people out of work.

This author observed the aftermath first hand, during one of his business trips to South Korea at that time. Collapse of once high flying conglomerate Daewoo under burden of debt. The sight of many construction projects suspended or stopped all over Seoul and Pusan. Daily failure of scores of small business. It was good time to visit South Korea, due to low prices, but very difficult period for residents.

The country has rebounded nicely since then and became one of Asia’s most dynamic economies. KRW strengthen considerably reaching level 900 against USD in 2007. The stock market has recorded double digit gains in four of the last five years, gaining 32% in last year alone. Korean companies like Samsung Electronics Co, and Hyundai Motors Co, have established themselves as some of the world’s leading corporations.

Things have changed in 2008. Challenges like high oil prices, inflation, external debt and account deficit have shaken investors confidence. While many countries have seen outflow of funds into the dollar, this process became especially painful in South Korea. The Won has become the Asia’s worst performing currency, loosing 20% to date. Stock market was no better, falling 25%, with farther sell off of equities expected.

These developments created widely spread comparisons to situation from 1997 and were quick to be picked by the press. International Monetary Fund disagrees with this assessment and expressed confidence by saying that South Korea is a mature and resilient economy with country’s fundamentals much stronger than a decade ago. Korean financial authorities, however, felt obligated to act by intervention on Wons behalf in the open market. This seemed to stop the bleeding for now.

What can be expected next? In all reality, 1997 type sell off is extremely unlikely. As South Korean economy is cooling down together with the rest of the world, Seoul might not be able to stop bleeding of the stock market but there is one thing they can do- keep intervening on behalf of its currency. Unlike before, there are huge foreign reserves, about 250 billion dollars worth of, and they can be used to support Won.

Very likely scenario, as of this writing, is continued fall of Korean equities, in tune with broader stock declines. The Won should also keep dropping, but in much more measured and steady pace. Central Bank has not mentioned what the comfortable level for USD-KRW is, but as we noticed over last few years, major trends are very powerful and can go through any “line in the sand’ drawn by anybody.

Current rate is around 1150. Even with expected interventions, Won can easily weaken to 1300 and maybe 1400, but far short of the previous low of 1600. Also, one shouldn’t look for a fast move, but rather steady depreciation, lasting a year or two. This is not a situation for active traders, but for those who prefer longer term positions current development might present good opportunity for farther selling of KRW.

Mike P. Kulej is a Chief Forex Strategist for Spectrum Forex LLC. He specializes in mechanical trading systems as explained on http://www.spectrumforex.com . Spectrum Forex LLC offers numerous services to individual traders. He also publishes trading blog http://www.fxmadness.com. With questions and comments e-mail him at kulej@spectrumforex.com

Have you ever thought about investing as a way to express the desires of your heart? A growing trend is to invest in socially conscious ways, like alternative energy investments to reduce global warming. This article is intended to be very general and give you something to think about. It is not specific advice nor a recommendation on a product to buy or an investment strategy to follow.

What is Alternative Energy?

Alternative energy generally includes renewable energy sources such as solar, wind, geothermal or bio fuel. Also included are technologies that enable these sources to be tapped, and services or technologies that conserve or enable more efficient use of energy.

Rising Global Demand

Growing worldwide demand for oil and its by-products are straining traditional energy resources. That demand for energy is expected to accelerate as emerging nations work to raise their own standards of living. The International Energy Agency predicts that global primary energy demand will increase by 50% between now and 2030.

Scarcity of Accessible Oil

Many of the world’s easy-to-reach supplies of oil have been tapped. While the rising cost of oil makes new and more expensive methods of oil production more viable, it also creates opportunities for competing energy sources. Increased investment in new technology will help drive down the development cost of alternative energies.

Why Invest in Alternative Energy

Alternative energy is a promising (or at least partial) solution to pressing issues like the United State’s dependence on foreign oil and global warming. Now may be a good time to put your money where your heart is and invest in alternative energy - both for your portfolio and for the world’s future.

What Options Do You Have?

You may invest directly in companies that provide renewable energy technology or you may purchase a mutual fund that invests in many of these types of companies. You will find investments based in both the United States and all across the world. Growing worldwide demand for energy presents a tremendous need and opportunity for investment in alternative energy.

Risks

Investments in a mutual fund or individual stock include many risks, not the least of which is the risk of loss of principal. You know because of recent stock market gyrations that individual sectors of the market (like energy) and the market as a whole can be very volatile and unstable. Energy related stocks have traditionally been more volatile than shares of other types of companies. Investments in foreign companies may also involve greater risk due to political, economic and currency fluctuations.

Take-Away Wisdom

Your investments can be a reflection of your heart’s desires and passions.

If you are passionate about energy conservation, alternative energy sources, solar or wind power and want to put your money where your heart is, please contact me for more information on alternative energy investments. joan@joangillesfinanicalcoach.com or 651/578-2961

Securities offered through The O.N. Equity Sales Company, Member FINRA/SIPC, One Financial Way, Cincinnati, OH 45242, (513) 794-6794

Joan Gilles is a wealth building strategist to the entrepreneur/small business owner/independent professional; building a bridge to your dreams and peace of mind. She can be reached by email at jmgilles@pressenter.com or through her website at http://www.JoanGillesFinancialCoach.com