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One of the most expensive areas of attending college seems to be the cost of the text books these days. Since most colleges only use a particular book for a year or two it is very hard to purchase them in advance. Yet there are some good ways you can catch a break when it comes to paying for the text books you need. Almost all colleges have bulletin boards so you can place an ad for the various books you need. Hopefully individuals who have just finished the course will gladly part with the book for much less than they paid for it.

If you have text books from courses you have finished you may be able to trade what you need for what someone else needs. If you are in a particular type of program such as business or education you will likely find other students who need to take the same classes as you. Setting up a text book swap is a great way to maximize the amount of money that you do spend on text books.

It can be very frustrating to get the newest edition of a particular text book and then find out it hasn’t changed very much at all from the previous edition. Take to your instructor as they will likely have gone through the new edition and make comparisons to the old one. Most instructors are fine with you using an older edition of the same book. You can save a substantial amount of money if you are able to do so.

Another frustration can be to find out after your purchase such a text book that you won’t need it very much as the instructor mainly teaches from notes. If this is the case consider purchasing a book with a classmate and splitting the cost. This won’t work well if you will have a great deal of text book reading or assignments to complete though.

Check to see if the college library offers copies of text books rather than purchasing them. Most libraries that offer this option don’t allow the text books to be checked out but you can use them in the library as you need to. If you choose this option make sure you start on assignments as quickly as possible so that you don’t have to stress about someone else already using the book.

Some book stores offer to place used text books on consignment for students. These are often placed in the bookstore with the new books on the shelves. While they may have some wear and tear as well as highlighting they will serve the purpose of a one semester course. These consigned books generally sell fast so make sure you go to the bookstore at the very end of the semester. As students complete their finals they will take their books into the bookstore.

On the back of each textbook is an ISBN number. It is generally found above or underneath the bar code on the book. You can use this number to search for the text book on the internet. There are several places where you can purchase new and used textbooks at a price that is much less than what you will pay for it at the college campus bookstore.

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You have the house, you have the loan, and you have everything set in place. You know that it feels great to have a place to call home. However, there is something that is not fitting quite right. Maybe your home feels like it needs more investment or maybe you want to find a different way to approach your loan. If you are looking at options for improvement, refinancing is the way to turn.

Refinancing is a step that you can take if you want to put in a little extra investment to your home. Whether it is to feel more comfortable or to get more out of your investment when you sell, refinancing is a great option for building up your home investment. Not only will it be good for you to invest more and get more in return, but it can also help you to build credit from the investment.

Usually, refinancing will begin with you applying for a second loan or mortgage. Home equity loans are one way to help with refinancing your home. There are also lines of credit and other considerations that you can make in order to get some extra money into your home. The advantage of this is that when you go to sell your home, you will be able to value the price higher than it would have been with just the regular loan.

If you are deciding on whether to refinance your home, you will want to consider several parts of the refinancing. First, you will want to make sure that you are not taking your home out of the market. You can determine this by researching to see what the market value of the area is and how this relates to your home. If you are using a refinancing loan in order to consolidate bills or improve your credit, make sure that your finances are stable enough to allow you to pay off the refinancing loan.

If you begin to refinance at the right time and with the right idea in mind, you can benefit off of a second mortgage and with some home improvement. Polishing the floors and removing the old to put in the new can be beneficial not only for your check book, but also for your future.

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I have been having a blast trading this last week. I made $7,300 on KKD, $1,700 on FRX, $2,000 on QQQQ and am doing well in my open trade entering FRX to the downside.

I am putting a day of my commentary here for you to see the value of using THE DEDICATED TRADER website as a trading tool.

One thing I learned, when I decided to trade in the stock market, is how important it is to learn from someone that is actually walking the walk and trading. Let me clarify that even more, making money in the market!

I have been shocked to find out how many people out there that are big name authors in the stock market that do not trade or have a negative trading record. What I mean is the rumor is they are no good at trading!

I do what I teach! I am one of very few stock market authors who not only talks the talk, but I walk the walk. I place my trades on my daily commentary for you to learn from. And this has been very valuable for my readers.

In addition to my commentary, I have a mentorship program called TRADERS TALK, where you can pay to spend four hours a week in a private Webshop with me. We go over any trades or whatever you want to learn, including my trades. It is very powerful, and I have been able to watch people go from a beginner level to about three years experience in just a few sessions.

Here is my commentary for Friday, June 6th:

Market Notes - Friday, June 06, 2003:

COMPLETION OF QQQQ TRADE: 3PM EST

I closed my QQQQ trade from a few hours ago using a GTC I set about 1/2 hour ago to just take 50 cents. I was filled for $2.95 on my 40 contracts listed below for a profit of $2,000 before commissions. Not bad for a Friday.

My other trades are going well - RED, RED, RED…I love the downside.

TRADES: 12:00 EST

1. I purchased 15 contracts of FRX puts. August $60 puts $5.90 FHATL. I will stop out if it breaks the high of today at $55.90 if it does not head back down right away. I will then trail it down to around $52 to profit.

2. I just purchased 40 contracts of the July $33 QQQQ puts for $2.45 QAVSG. I will stop out with an alarm if it breaks the high of today at $31.47 and does not turn back down right away. It gapped up today on Intel’s good earnings report but is getting weak as I type. I usually do front or next month out on the QQQQ. I will trail it down for profits.

Good MORNING & Happy FRIDAY!

The markets are looking very green at the market open, and my trades for today are all down ones (that is if the markets were down). Perhaps in a few minutes we will get a reversal????? I doubt it!

Anyway here were my candidates if the market was down:

DOW: AA AXP DD XOM

NASDAQ: CMVT INTU JNPR MOLX NXTL SANM SPOT

I had no up trades. We seem to be in the middle of a trend for most stocks, and we are in a very sweet uptrend.

That is about all for today. If I do place a trade I will put the comments above this section later today.

So even though this message is short, it is a powerful one…BE CAREFUL WHO YOU LISTEN AND LEARN FROM!

The stock market is very powerful. If you learn how to trade, and do not short change yourself by trying to trade without necessary tools, you can have TIME & MONEY FREEDOM beyond your wildest dreams. I would love to help you!

Last, I just want to mention my trade on the QQQQ’s. It is one of my favorite things to trade. It is an EXCHANGE TRADED FUND that actually owns all of the NASDAQ 100 stocks in it. MSFT is the heaviest weight so I do watch what MSFT is doing for a direction. It obviously follows the NASDAQ market.

But as you can see by my trade listed above, I was able to buy 40 contracts at $2.45 a share for a cost of $9,800 and my delta was .71. The stock only moved about 77 cents to take a profit of 50 cents – making me $2,000 in about two hours. SWEET!

What I love about the QQQQ’s is that they have strike prices every one dollar! That means the July 33 calls I got when the stock was at $31.30 were only $2.45 with a delta of .71. That is incredible. You see, I could spend $5 - $8 per share on regular stocks to try and get that high of a delta, but it is so cheap on the QQQQ!

A lot of people miss the boat, thinking the QQQQ does not move enough to make it worth trading! What a mistake! I love trading this, and it only needs small moves to profit – but your investment is so small compared to trading stocks.

If you had only done 10 contracts that would have been a $500 gain from $2,450 before commission which is 20%! In a few hours 20% is phenomenal!!

All you need to do is pretend the QQQQ are a stock. Look at support and resistance the same way you do already, and choose a strike price with a delta of .70 or higher for a short term trade and trade it up on support and down on resistance.

I will be doing a course on this soon. I will probably offer a free one hour class on my site to introduce you to it. I think you can see why I am so excited about it, and I hope you might catch the fever.

I teach a two day class twice a month, check it out on my site! I will be in Atlanta on June 19 -20th…come see why students say I was their miracle they needed to become a better trader!

Happy Trading!

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