WHAT IS A.I BASED FOREX TRADING


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From the previous decade, Forex markets have created at an enormous pace. The days when traders accumulated at exchange floors and yelled their solicitations are currently gone. As of now, around 99% of the traders use the electronic trading stage utilizing an E.C.N based system, despite the fact that veterans would agree that they may never have imagined this to happen. From exorbitant full-advantage merchants to markdown operators, from Manual requesting exchange to Algorithmic trading, from Tape peruses to Automated Charting programming’s and stages – various things have changed. Counterfeit consciousness based Forex trading system is required to be a fundamental piece of bleeding edge trading. Savvy machines would supplant any kind of manual mediation. AIS Forex technique is expected to beat the risks of energetic parts of trading like eagerness, dread, and feelings.

These machines would gain from each exchange they execute and intensely change their essential basic leadership limits. They would be set up to catch up on all the monetary circumstances. Multi-display capacities: These elements permit to altogether decrease the season of dealing with, where the CPU assets are not utilized as to a great extent as some time recently. This is particularly useful, as the limit of using various models as a piece of one same procedure is radically extended. Also, the cost for executing is diminished, as the more models to reenact and expectation of graph and example conduct, the more robotized the trading is. The probabilities of taking Forex exchanges are currently almost observed. At this moment, in perspective of the models, the traders must make a direct benefit with a precision of 75-80 %. We use all ai based systems to serve our managed account trading

There are cons and masters of computerized reasoning trading framework, however, later on, it can possibly progress. A counterfeit consciousness trading framework is an authoritative kind of bend fitting, and it is awesome at finding plans where the human’s eye can’t. The computerized reasoning trading frameworks can’t decipher or distinguish where the bona fide resistance and bolster lines are, as it is altogether more than fundamentally finding the highs and lows. In addition, these sorts of frameworks can’t recognize the effects of joined money related news discharges. Another vital dis-favourable position is that the greater part of these systems requires devoted servers which great SSD storerooms so that the projects can run easily and thus if the web association is some – how intruded on, this would likewise endanger the framework.

 

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Factoring Vs A-R Financing – What’s the Difference?

In today’s tight credit environment, more and more businesses are having to turn to alternative and non-bank financing options to access the capital they need to keep the gears of their business running smoothly.

There are a number of different tools available to owners of cash-strapped businesses in search of financing, but two of the main ones are factoring and accounts receivable (A/R) financing. Sometimes, business owners lump these two options together in their minds, but in reality, there are a few slight differences that result in these being different financing products.

Factoring vs. A/R Financing: A Comparison

Factoring is the outright purchase of a business’ outstanding accounts receivable by a commercial finance company, or “factor.” Typically, the factor will advance the business between 70 and 90 percent of the value of the receivable at the time of purchase; the balance, less the factoring fee, is released when the invoice is collected. The factoring fee-which is based on the total face value of the invoice, not the percentage advanced-typically ranges from 1.5-5.5 percent, depending on such factors as the collection risk and how many days the funds are in use.Under a factoring contract, the business can usually pick and choose which invoices to sell to the factor-it’s not usually an all-or-nothing scenario. Once it purchases an invoice, the factor manages the receivable until it is paid. The factor will essentially become the business’ defacto credit manager and A/R department, performing credit checks, analyzing credit reports, and mailing and documenting invoices and payments.

A/R financing, meanwhile, is more like a traditional bank loan, but with some key differences. While bank loans may be secured by different kinds of collateral including plant and equipment, real estate and/or the personal assets of the business owner, A/R financing is backed strictly by a pledge of the business’ assets associated with the accounts receivable to the finance company.

Under an A/R financing arrangement, a borrowing base of 70 to 90 percent of the qualified receivables is established at each draw against which the business can borrow money. A collateral management fee (typically 1-2 percent) is charged against the outstanding amount and when money is advanced, interest is assessed only on the amount of money actually borrowed. Typically, in order to count toward the borrowing base, an invoice must be less than 90 days old and the underlying business must be deemed creditworthy by the finance company. Other conditions may also apply.

Features and Benefits

As you can see, comparing factoring and A/R financing is kind of tricky. One is actually a loan, while the other is the sale of an asset (invoices or receivables) to a third party. However, they act very similarly. Here are the main features of each to consider before you decide which one is the best fit for your company:

Factoring:

· Offers more flexibility than A/R financing because businesses can pick and choose which invoices to sell to the factor.

· Is fairly easy to qualify for. Ideal for newer and financially challenged companies.

· Simple fee structure helps the company track total costs on an invoice-by-invoice basis.A/R financing:

· Is usually less expensive than factoring.

· Tends to be easier to transition from A/R financing to a traditional bank line of credit when the company becomes bankable again.

· Offers less flexibility than factoring because the business must submit all of its accounts receivable to the finance company as collateral.

· Businesses will typically need a minimum of $75,000 a month in sales to qualify for A/R financing, so it may not be available for very small companies.

Transitional Sources of Financing

Both factoring and A/R financing are usually considered to be transitional sources of financing that can carry a business through a time when it does not qualify for traditional bank financing.

After a period typically ranging from 12-24 months, companies are often able to repair their financial statements and become bankable once again. In some industries, however, companies continue to factor their invoices indefinitely-trucking is an example of an industry that relies heavily on factoring to keep its cash flowing.

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Alternative Financing Can Help Offset Cash Flow Challenges Presented By Slow-Paying Customers

The statistics may say that the U.S. economy is out of recession, but many small and mid-sized business owners will tell you that they’re not seeing a particularly robust recovery, at least not yet.

There are various reasons for the slow pace of recovery among small businesses, but one is becoming increasingly apparent: A lack of cash flow caused by longer payment terms instituted by their vendors. Dealing with slow-paying customers is nothing new for many small businesses, but the problem is exacerbated in today’s sluggish economy and tight credit environment.

This is ironic given the fact that many big businesses have accumulated large cash reserves over the past couple of years by increasing their efficiencies and lowering their costs. In fact, several high-profile large corporations have announced recently that they are extending their payment terms to as long as four months, including Dell Computer, Cisco and AB InBev.

So here’s the picture: Many large corporations are sitting on huge piles of cash and, thus, are more capable of paying their vendors promptly than ever before. But instead, they’re stretching out their payment terms even farther. Meanwhile, many small businesses are struggling to stay afloat, much less grow, as they try to plug cash flow gaps while waiting for payments from their large customers.

How Alternative Financing Can HelpTo help them cope with these kinds of cash flow challenges, more small and mid-sized businesses are turning to alternative financing vehicles. These are creative financing solutions for companies that don’t qualify for traditional bank loans, but need a financial boost to help manage their cash flow cycle.

Start-up businesses, companies experiencing rapid growth, and those with financial ratios that don’t meet a bank’s requirements are often especially good candidates for alternative financing, which usually takes one of three different forms:

Factoring: With factoring, businesses sell their outstanding accounts receivable to a commercial finance company (or factor) at a discount, usually between 1.5 and 5.5 percent, which becomes responsible for managing and collecting the receivable. The business usually receives from 70-90 percent of the value of the receivable when selling it to the factor, and the balance (less the discount, which represents the factor’s fee) when the factor collects the receivable.

There are two main types of factoring: full-service and spot factoring. With full-service factoring, the company sells all of its receivables to the factor, which performs many of the services of a credit manager, including credit checks, credit report analysis, and invoice and payment mailing and documentation.

With spot factoring, the business sells select invoices to the factor on a case-by-case basis, without any volume commitments. Since it requires more extensive controls, spot factoring tends to be more expensive than full-service factoring. Full recourse, non-recourse, notification and non-notification are other factoring variables.

Accounts Receivable (A/R) Financing: A/R financing is more similar to a bank loan than factoring is. Here, a business submits all of its invoices to the commercial finance company, which establishes a borrowing base against which the company can borrow money. The qualified receivables serve as collateral for the loan.

The borrowing base is usually 70-90 percent of the value of the qualified receivables. To be qualified, a receivable must be less than 90 days old and the underlying business must be deemed creditworthy by the finance company, among other criteria. The finance company will charge a collateral management fee (usually 1 to 2 percent of the outstanding amount) and assess interest on the amount of money borrowed.

Asset-Based Lending: This is similar to A/R financing except that the loan is secured by business assets other than A/R, such as equipment, real estate and inventory. Unlike factoring, the business manages and collects its own receivables, submitting a monthly aging report to the finance company. Interest is charged on the amount of money borrowed and certain fees are also assessed by the finance company.Overcoming Fears and Objections

Some businesses shy away from alternative financing vehicles, due either to a lack of knowledge or understanding of them or because they believe such financing vehicles are too expensive.

However, alternative financing is not hard to understand-an experienced alternative lender can clearly explain how these techniques work and the pros and cons they may offer your company. As for cost, it’s really a matter of perspective: You have to ask whether alternative financing is too expensive compared to the alternatives?

If you’re in danger of running out of cash while you wait to get paid by large customers and you don’t qualify for a bank loan or line of credit, then the alternative could be bankruptcy. So while factoring does tend to be more expensive than bank financing, if this financing isn’t an option for you, then you must compare the cost to possibly going out of business.

Most business failures occur because the company lacked working capital, not because it didn’t have a good product or service. Unfortunately, this problem is currently magnified for many small businesses dealing with ever-longer payment terms from their large customers. Alternative financing is one possible solution to this common cash flow problem.

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Use Lawsuit Financing For Auto Accident Lawsuits

Stanley was certainly at the wrong place and at the wrong time. He had been driving home from work using the normal route. While on the highway, the car in front of him suddenly swerved left resulting in a collision. As a result, Stanley was severely injured and was unable to report to work for two months.

Not only was his income affected, but he could barely afford to pay for his medical treatment.

He filed for a lawsuit through his personal injury lawyer against the reckless driver, so that he would be compensated for his lost income, medical fees and pain and suffering. Pending the lawsuit settlement, Stanley fell into a financial crisis and could not pay for rent. The legal expenses were mounting.Because of his temporary loss of income and average credit rating, the bank declined his application for a loan.

The above is a familiar story that happens to many victims of auto accidents. People like Stanley file a lawsuit to be compensated for their loss resulting from the accident. But they end up in worse financial crisis due to the prolonged duration of the lawsuit. The loss of income, coupled with legal fees, medical fees, living expenses and critical bills, forces them to accept low ball settlements to shorten the lawsuit and get back to their normal lives.

Many people do not know that there is another option of financing or ‘loan’ for their lawsuits. This ‘loan’ does not involve the bank and is often called lawsuit loan or lawsuit financing.

Lawsuit financing is a cash advance from the lawsuit financing company, which allows the plaintiff to pay for their living expenses during the litigation. This lawsuit cash advance need not be repaid if the lawsuit is lost or abandoned. This means the cash advance need only be repaid with a fee if the plaintiff receives settlement from the lawsuit.In addition, the conditions for applying for a lawsuit ‘loan’ are different from getting a bank loan. Lawsuit financing companies are not interested in your credit ratings or employment history. Instead, they review your case and advance you cash based on the likelihood of winning.

In most cases of auto accident injuries, the plaintiff would receive the settlement eventually. So, there should be no problems applying for a lawsuit cash advance.

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