Moving Average Convergence Divergence ( MACD ) Charts

Written by Steven T. Ng


The Moving Average Convergence Divergence charts, or MACD charts for short, are a technical indicator that is derived fromrepparttar more simple moving average.

The MACD charts are oscillating indicators, meaning that they move above and below a centerline or zero point. As with other oscillating and momentum indicators, a very high value indicates thatrepparttar 112089 stock is overbought and will likely drop soon. Conversely, a consistently low value indicates thatrepparttar 112090 stock is oversold and is likely to climb.

THE 12-DAY AND 26-DAY EMAS

The MACD charts are based on 3 exponential moving averages, or EMA. These averages can be of any period, thoughrepparttar 112091 most common combination, andrepparttar 112092 one we will focus on, arerepparttar 112093 12-26-9 MACD charts.

There are 2 parts torepparttar 112094 MACD. We will focus first onrepparttar 112095 first part, which is based onrepparttar 112096 stock's 12-Day and 26-Day EMA. The 12-Day EMA isrepparttar 112097 faster EMA whilerepparttar 112098 26-Day is slower.

The logic behind using a faster and slower EMA is that this can be used to gauge momentum. Whenrepparttar 112099 faster (in this case 12-Day) EMA is aboverepparttar 112100 slower 26-Day EMA,repparttar 112101 stock is in an uptrend, and vice versa. Ifrepparttar 112102 12-Day EMA is increasing much faster thanrepparttar 112103 26-Day EMA,repparttar 112104 uptrend is becoming stronger and more pronounced. Conversely, whenrepparttar 112105 12-Day EMA starts slowing down, andrepparttar 112106 26-Day begins to near it,repparttar 112107 stock movement's momentum is beginning to fade, indicatingrepparttar 112108 end ofrepparttar 112109 uptrend.

THE MACD LINE The MACD charts use these 2 EMA by takingrepparttar 112110 difference between them and plotting a new line. Very often, this new line is depicted as a thick black line inrepparttar 112111 middle chart.

Whenrepparttar 112112 12-Day and 26-Day EMA are atrepparttar 112113 same value,repparttar 112114 MACD line is at zero. Whenrepparttar 112115 12-Day EMA is higher thanrepparttar 112116 26-Day EMA,repparttar 112117 MACD line will be in positive territory. The furtherrepparttar 112118 12-Day EMA is fromrepparttar 112119 26-Day EMA,repparttar 112120 furtherrepparttar 112121 MACD line is from its centerline or zero value.

THE 9-DAY EMA

This line on its own doesn't tell much more than a moving average. It becomes more useful when we take into account its 9-Day EMA. This isrepparttar 112122 third value when we talk of 12-26-9 MACD charts. Note thatrepparttar 112123 9-Day EMA is an EMA ofrepparttar 112124 MACD line, not ofrepparttar 112125 stock price. This EMA (the thin blue line alongsiderepparttar 112126 MACD line) acts like a normal EMA and smoothesrepparttar 112127 MACD line.

Credit Counseling Questions.

Written by David Wilding


 When you find yourself thinking about using a credit counseling service, you need to be very careful. You need someone who will help you, not just some pushy sales associate who wants only to sign you up for their service. The debt industry has grown dramatically asrepparttar American consumer has taken on an increasing load of debt. This increased competition forrepparttar 112088 debt dollar has attracted some charlatans torepparttar 112089 industry. You need to be very careful you know with whom you are dealing. You are about to place your financial life in someone else’’s hands. Make sure you haverepparttar 112090 answers to some questions before you do. Then make sure you likerepparttar 112091 answers to your questions. Here are some for starters:
    Isrepparttar 112092 counseling agency affiliated with major industry groups? There are two major debt industry groups, The National Foundation for Credit Counseling andrepparttar 112093 Association of Independent Consumer Credit Counseling Agencies. Affiliation with one of these is no guarantee you have a good agency but these groups do have a set of standards which need to be followed, so it is a start. Are there large up front fees? The credit counseling agency will usually charge a small fee to set up your account. They then will charge a fee to administer your plan each month. If a large fee is required to begin your plan, watch out. Some companies have charged large up front fees and then disappeared withrepparttar 112094 clients money. You need to be surerepparttar 112095 money you are paying is going to your debts and not being syphoned intorepparttar 112096 pocket of your credit counselor. Can you really do that for me? Some credit counseling agencies make unrealistic promises. If statements made seem too good to be true, you need to pin them down. Settling your debts for little money or without harming your credit rating are not realistic. If they insist they can, ask forrepparttar 112097 promises in writing. Chances are they will not be willing to do this if they cannot deliver. If they do put it into writing, at least then you will have something to use for evidence if legal action becomes necessary. Which of my creditors have you worked with inrepparttar 112098 past? You have a list of your creditors. You want to compare it torepparttar 112099 creditors they have worked with inrepparttar 112100 past. Have they been successful working with your creditors in reducing payments,lowering interest, and eliminating fees? You need to know not all creditors will work with credit counselors. If all, or most, of your creditors have, or will, you should investigate these services further. If not, credit counseling

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