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This is a common occurrence. You heard people say that 'the real estate sector is hot' or 'the internet sector is growing rapidly' or 'let's buy the oil sector now.

Energy price will rise again' next year. Sounds familiar? It is. This is because these people encouraged you to invest in specific sectors.What is wrong with sector investing? There is a common believe that rising tide will lift all boats. Therefore, when internet search is hot, then every companies in the field from Google to Looksmart will rise two to three folds, right? Wait a minute. Have you looked at the graph of Looksmart lately? If you haven't, here is the chase photocard two year graph of Looksmart Ltdchase photocard . Let me show you another example. Everybody knows about the rising energy price, most notably oil. Therefore, if you look at the five year chart of energy companies from Chevron and the like, you would expect similar upward trajectory movement, right? Wrong. Take a look at a five year chart of an energy company IvanHoe Energy Inc. here.So, should we look at sectors when investing? Absolutely. Sector search is very useful during your preliminary research. Auto sector is down. This might be a good place to find stock bargains, right? Yes. Should we blindly invest in any stocks in the auto industry? The answer is no. This goes back to the purpose of an investor. Investor exists to make the greatest return of assets possible while minimizing risk. The sensible way to do that is to compare investment alternative and pick the investment vehicles that may give investors the highest return. In the case of stock, we are looking chase photocard at the expected profit of a company with respect to its stock price. This is the basis of the return on investment of stock investors.Therefore, once you identify that the auto sector is a bargain, your homework continues. You should find companies that can give you higher return than the risk free ten year treasury bond. Currently, the ten year is yielding 4.52%. Since 4.52% is risk free, we need to find stocks that can yield more than 4.52% for the foreseeable future. Yield on a common stock can be calculated by dividing earning per share (EPS) with the stoc k price. If you invert this ratio, you will get the most commonly discussed ratio in the investment community, Price Earning (P/E) ratio.Sector search is very useful in identifying future investment prospect. However, do not just blindly invest in stocks in specific sector. In the long run, stock price is correlated with the amounts of profit it can produce. Stock price does not correlate to the performance of other peers in the industry. 2

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The Credit History report is like the Hall Monitor in the world of credit cards. The credit history report will serve as a security for credit card companies to screen out the bad weeds and the good weeds.

However, it might be hard for some of us to maintain that perfect credit history. This is because life is not perfect; some of us will encounter problems in our cash flow to pay off certain bills. When that happens, it damages your credit score more.

The lower credit score you have the harder time it is for you getting a credit card or even loans. Lower credit scores may even give you problems finding a job or an apartment.

To be on the fair side, credit card companies do look at other matters when you apply for a credit card. It will only serve as a consideration. The other thing they look at is your credit history. On your credit history, they will base how many times youíve paid late, how much debt you owe and how much is the credit still available. They will also look at the time you have spent with your job and if you have been earning a steady income with that job.

The lender will usually give consideration to person who has made late payments but has seen that the debt to income ratio is manageable. This means that you are able to make enough money that can pay off the debts you currently owe.

When also applying for a credit card. Limit your application to a few number of credit card companies. The more number of pending applications you have, the more damaging it could be to your credit score. Try to research before applying for a credit card. Check out the cards that are catered for people with low credit scores.

If you are afraid of all of the bad things and risk involved when getting a card also consider the benefits the credit card is able to provide. If you are a person who is repairing or improving your credit rating. You are most likely using all the cash you have to pay out those bills. Therefore making you have less money available for emergency purposes.

Having a card will give you the money you need. However do be responsible with the card and donít overcharge it. Also learn to pay the bill of card on time.

It is suggestible for people with bad credit rating to get secured credit cards. This cards work by making the user deposit certain amount of money to the card company. The limit you have is the amount you have deposited. When you use the card, the amount will be deducted to your deposit.

The good thing about this is, when you are not using the deposited money, the money will be earning form the interest. It also helps improve your credit rating.

The ever-increasing season ticket prices means a lot of fans struggle to watch all of their teamís matches. With the price of even just a championship season ticket being around £400 most fans can struggle to foot the bill, even if their team isnít in the expensive premiership. This will mean that footballís best fans wont be able to support their team, just simply because they canít afford it.

But football fans have been offered a new solution. Barclays bank (sponsor of the premiership) has offered a great way for you to buy your season ticket this year. If you purchase any football season ticket with the new Premiership Barclaycard ( ) and it costs more than £250, you'll benefit from 0% interest for as long as it takes to pay off.

The Premiership card also offers 10 pairs of tickets to be won each month during the football season, by just making a transaction on your football credit card each month to be entered into a prize draw.

And with more and more clubs from the premiership making it in to Europe fans can find it even more and more expensive to support their team. But, if your club does make it into Europe, donít you want to be there to see them! The Premiership credit card also offers help when you're abroad. You can use your credit card anywhere in the world, and if you lose your card whilst abroad, Barclays offer an emergency card replacement service, and you won't be charged a cash handling fee for the service.

But with having to work all week, and enjoying the football at the weekend, who has time to go and apply for a credit card? With Barclayís card you also have the option of ordering your credit card online ( ), which will save you time and give you more opportunity to keep up with the football stats.

With football becoming more and more about money at least we, the devoted fans, can still afford to do what matters to us Ė enjoy the football and support our team.

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