Use A Debt Checklist To See Where You Stand

Written by David Wilding


A Debt Checklist allows you to look at items and areas of your financial life. You need to examine these to gauge how you stand. Even if you believe you are in good shape take a close look at these areas to be sure.

  • Your Budget   Almost nobody likes this word, which is why so many people have problems with their finances and debt. You need to know how and where your money is being spent. In addition, you should be sticking to a spending plan.

  • Your Savings Account   You should pay yourself each month. To do this you need have an account in place, in which you keep your funds. At least until you can move them to an account with a higher rate of return. Visit your bank or credit union to set one up.

  • Your Use Of Credit   You need to review your use of credit to see how, what, and where you are using it. Using credit to pay your bills or buying groceries is a recipe for trouble.

  • Your Percentage Of Income For Debt   Nothing makes it harder to stay with your spending plan than credit card payments. You are paying for your past while trying to purchase your present. If your percentage of income going toward debt exceeds 15 you could be headed for trouble. Any amount over 20 percent, you need to put onrepparttar brakes.

  • Your Minimum Payments   These add up. If you are torepparttar 112090 point where you ca only make minimum payments on your debts, you will stretch your indebtedness far intorepparttar 112091 future. You don’t want to extended like this. Find ways to add extra to one payment each month. Then when you pay one off moverepparttar 112092 extra payments to another.

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.

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