Expatriate Forums in Middle East

JOBS VACANCIES ANNOUNCEMENTS-TOTAL ENERGY PETROCHEMICAL

Mrs. Belinda — Mon Sep 07, 2009 8:37 pm

Author: Mrs. Belinda

Posted: Mon Sep 07, 2009 8:37 pm

Hello Everyone,
We take this opportunity to publicly make this last announcement to every liked minded individual, that the TOTAL ENERGY PETROCHEMICAL COMPANY (UK) PLC. Is hereby announcing jobs vacancies/ training programme 2009 in United Kingdom . We need the services of able men and women around the globe to fill in the jobs gap placement in our company in United Kingdom. Below are the summaries
list of jobs vacancies with Total Energy Company as follow :- Accounting / Audit / Taxation Jobs, Administration / Clerical Support / Service, Jobs, Banking, Business Analysis / Data Analysis Jobs, Business Consultancy Jobs, Business Development Jobs, Call Centre Jobs, Civil Services Jobs, Company Secretary Jobs, Customer Service Jobs, Design Jobs, Documentary Credit / Bills Processing, Energy / Natural Resources / Oil & Gas, Engineering Jobs, General Management Jobs, Hospitality / Hotel Services Jobs, Human Resources / Recruitment Jobs, Information Technology (I.T.) Jobs, Insurance Jobs, Junior Executive Jobs, Legal & Compliance Jobs, Inventorying, Marketing / Public Relations Jobs, Merchandising Jobs, Order Processing & Operation / Setting, Others Jobs, Petroleum / Petrochemical Jobs, Procurement / Purchasing / Sourcing
Jobs, Research & Development (R&D) Jobs, Research / Survey Services Jobs, Sales Jobs, Student / Fresh Graduate / No Experience, Telecommunications Jobs, Top Executives (CEO, CFO, CTO, GM, Manager, Tourism / Travel Agency Jobs, Trading Jobs, Transportation / Shipping / Freighting, and many more jobs place available.

Thanks for your audience to read this publication message.
Mrs. Belinda Clifford
(Chief international Announcement officer).
Total Energy Company Plc London - United

Unearth Egyptian treasure

ntwoelectronics — Tue Jun 02, 2009 5:03 pm

Author: ntwoelectronics

Posted: Tue Jun 02, 2009 5:03 pm

If you want to own an effective and accurate detector for your need in gold hunting you are just 1 click away, we, NTWO ELECTRONICS LLC a dubai based company, an authorise distributor or leading gold and metal detectors such as Minelab, Lorenz, Whites, Electroscopes, Garrett, Fitzgerald, Avant Garde, Anderson Rods.

We are offering a very good price as low as manufacturers price, we have GPX- 4500, Deepmaxx3, Pulse Induction (PI 1.0), PMR III, Examiner, Gravitator, DFX and GTI 2500 to name a few. If you want to know more our product range specification and prices you can contact us at ak@ntwo.ae, pg@ntwo.ae or call us +97150 4200270, +9714 2967644.

We are here to serve YOU

Costume Party Themes

nuaniobasming — Sat May 02, 2009 4:08 am

Author: nuaniobasming

Posted: Sat May 02, 2009 4:08 am

Have you ever been to a themed party where you dressed up accordingly?

Every year we have a themed party which includes costumes, food, music, backdrops to match.
Over the years we've had the following themes: China, Under the Sea, Colours, Out of Space, Countries, Black & White, Hawaii, History, Fairy Tales... Can't think of anymore.

Anyway they are real fun, seeing what everyone dressed up as and how they interpredted the theme idea.

Costume Party Themes

nuaniobasming — Mon Apr 27, 2009 11:30 am

Author: nuaniobasming

Posted: Mon Apr 27, 2009 11:30 am

Have you ever been to a themed party where you dressed up accordingly?

Every year we have a themed party which includes costumes, food, music, backdrops to match.
Over the years we've had the following themes: China, Under the Sea, Colours, Out of Space, Countries, Black & White, Hawaii, History, Fairy Tales... Can't think of anymore.

Anyway they are real fun, seeing what everyone dressed up as and how they interpredted the theme idea.

Visa To Egypt / Egypt Immigration Guide

sharmstart — Sat Apr 11, 2009 1:37 am

Author: sharmstart

Posted: Sat Apr 11, 2009 1:37 am

Superior Co.
Career advices, Job opportunities

Professional staffing services in Sinai and Red Sea
SHARM EL SHIKH – DAHAB – HURGHADA - NUAWBAA – TABA - MARSA ALAM

We provide expert recruitment, staffing consultations and solutions for all levels.
please visit: www dot hrredsea dot com

Nhon Trach City Center (NTCC)

siewlee26 — Wed Apr 01, 2009 2:26 pm

Author: siewlee26

Posted: Wed Apr 01, 2009 2:26 pm

Nhon Trach City Center (NTCC)

International Future City of Vietnam
Nhon Trach City Center (NTCC); the first satellite township concept in Nhon Trach District, Dong Nai Province; incorporates housing, commercial and recreational complexes to present the opportunity for the elite in Vietnam to experience luxury life where home, work, business and play are all within reach in a secured environment. With the essence of design contributed by specialists with hands-on housing scheme development experiences in Hong Kong, China, India, Australia and Malaysia, NTCC is shaped to be the International Future City of Vietnam!

Strategic Location
The position of NTCC in the would-be administrative center of Nhon Trach; which is about 60km from the bustling HCMC, in close proximity to numerous established industrial parks, namely Nhon Trach Industrial Park I-VI; benefits our tenants / owners in taking advantage of all the current and future planning for either Nhon Trach or its neighbouring cities in the south, collectively known as Southern Key Economic Zone.

Office Tower - NTCC’s kick off!!
NTCC will begin with the construction of our 15-storey Office Tower (Block H) which will be the first international standard high-rise office building in the heart of Nhon Trach. The elegance of the featured façade coupled with the creatively designed floor spaces shall fulfill every discerning owners’ differing investment requirements. Still hesitating? The following facts may help you decide:

- Total net floor area : approx. 16,448 m2 with typical sizes of about 76 m2 to 699 m2 / unit, or up to 1,480 m2 / floor.
- Spacious parking lots in basement and open car parks.
- Floor to ceiling height of 2.6m to 4.0m spreads out high-end visuals.
- Central air-conditioning system.
- 3 high speed passenger lifts and 1 service lift.
- Round-the-clock security services with CCTV surrounding the building.
- Managed by Professional Property Management Company.

Our elegant and first ever Office Tower in Nhon Trach is now opened for registration. It’s only 15 floors. Hurry and be amongst pioneer new owners!! For more details and registration, please contact us via :-

Marketing Hotline : +84 (933) 268 968

Полезные блоги

effoxemiexy — Sat Feb 28, 2009 5:15 pm

Author: effoxemiexy

Posted: Sat Feb 28, 2009 5:15 pm

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catsgirls — Tue Aug 05, 2008 1:17 am

Author: catsgirls

Posted: Tue Aug 05, 2008 1:17 am

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Confirmed: iPhone Coming to Japan this Year

Merfilin — Thu Jun 05, 2008 11:24 am

Author: Merfilin

Posted: Thu Jun 05, 2008 11:24 am

According to a press release from SoftBank Mobile, the Japanese service provider has secured an agreement with Apple to bring the iPhone to Japan this year. The deal will ensure the iPhone’s first official access in Japan’s market.

chow calamity spreads across the globe.

wbondarmunw — Thu May 01, 2008 3:19 am

Author: wbondarmunw

Posted: Thu May 01, 2008 3:19 am

Opportune day!
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Riots make erupted in Egypt, Haiti and Bangladesh in excess of soaring stuffs guerdons.
People fought one another in excess of bags of rice in West Africa.
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Iif not tough and you make your conception on this, cheer come back, I am least interested to catch your theory.
See you later!
P.S. Sorry for my english.

for sale brand new mobilephons at good rate

samuel — Sat Feb 17, 2007 8:58 pm

Author: samuel

Posted: Sat Feb 17, 2007 8:58 pm

brand new nokia n93

phone is New.

Device Features

Voice
Contacts: advanced contacts database with support for multiple phone and e-mail details per entry, also supports thumbnail pictures and groups
Integrated hands-free speaker
Speaker independent name dialing (SIND)
Speed dialing
Automatic redial
Voice commands
Voice recorder3
Talking ring tone
Call Logs: keeps lists of your dialed, received, and missed calls
Automatic answer (works with compatible headset or car kit only)
Supports fixed dialing number, which allows calls only to predefined numbers
Conference call

Multimedia Messaging Service
Text messaging: supports concatenated SMS, picture messaging, SMS distribution list1
Multimedia messaging: combine image, video, text, and audio clip and send as MMS to a compatible phone or PC; use MMS to tell your story with a multi-slide presentation1,14
Automatic resizing of your megapixel images to fit MMS (max. 300 KB attachment size depending on the network)
Predictive text input

Camera and Video
3.2 megapixel (2048 x 1536 pixels) camera, Carl Zeiss Vario-Tessar lens, 3x optical zoom
Direct connection to compatible TV via Nokia Video Connectivity Cable (CA-64U, included in box) or wireless LAN/UPnP19
Sub camera, CIF (352 x 288) sensor
Integrated flash (operating range up to 1.5m)
Flash modes: on, off, automatic
Still image file format: JPEG/EXIF
Auto focus/Auto exposure - center weighted
Exposure compensation: +1 ~ -1EV at 0.5 step
Focal length 4.5 mm (Wide) /12.4 mm (Tele) 34.25 - 94.1 mm (35mm equiv.)
Focus range 10 cm ~ infinity
Macro focus distance 30 cm (macro @ Wide) 10 cm (macro @ Middle to Tele)
Shutter speed: Mechanical shutter: 1/2400~1/3 s
White balance: automatic, sunny, cloudy, incandescent, fluorescent
Scene: automatic, user, close-up, landscape, night, night portrait
Color tone: normal, sepia, black & white, negative
Still zoom (optical/digital) 3x / up to 20x
Rotating gallery
Online album/blog: photo/video uploading from gallery1
Lifeblog support
Video and still image editors
Movie director for automated video production
Video resolutions: up to VGA (640x480) at 30 fps
Digital stereo microphone
Audio recording: AAC stereo, 48kHz
Digital video stabilization
Video clip length: max. 60 min per clip
Video file format .mp4 (default), .3gp (for MMS)
White balance: automatic, sunny, cloudy, incandescent, fluorescent
Scene: automatic, night
Color tones: normal, sepia, black & white, negative
Video zoom: (optical / digital) 3x / up to 8x

Music Features
Digital music player - supports MP3/AAC/AAC+/eAAC+/WMA with playlists and equalizer
One click CD ripping, converting and transferring music to your device using Nokia Music Manager
Share playlists with your friends over Bluetooth wireless technology, MMS, or e-mail1,22
Integrated speaker
Synchronize PC music library with Windows Media Player
OMA DRM 2.0 support for music
Stereo FM radio (87.5-108MHz) with Visual Radio support

*Stereo sound can only be heard with a compatible stereo headset.

Nokia XpressPrint
Print digital photos directly from the device to compatible printers
Transfer photos directly to compatible printer or kiosk via Bluetooth wireless technology, memory card, wireless LAN (UPnP) or directly to PictBridge-compliant printer via USB cable1,22
Built-in application is quick and easy to use; no installation, no fuss
Order prints online1

Nokia XpressShare solution
Easy sharing of captured photos and videos directly from the gallery or straight after capture via e-mail or Bluetooth wireless technology while retaining full image quality or via MMS with automatic resizing of 3.2 megapixel images to fit MMS22

Nokia XpressTransfer solution
Transfer and organize photos and videos between your device and compatible PC4,5,22
Connect to compatible PC and images are automatically transferred with Nokia Image Store feature in Nokia PC Suite, photo albums created on the device are saved in similar albums on the PC
Organize and edit photos and videos on PC with Adobe Photoshop Album Starter Edition
Deletion or resizing of the images and videos transferred from the device. Resizing means you can carry a large collection of photos and videos on your device and full quality versions are stored on the PC
Gallery view of photos and videos transferred to PC

Display and User Interface
Internal Display:
320 x 240 pixels, up to 262,144 colors
Active matrix 2.4" QVGA color screen
Wide 160° viewing angle
Automatic brightness control
External Display:
Large 1.1" screen
128 x 36 pixels, up to 65,536 colors
Twist and Shoot form factor
4 modes:
Imaging mode for capture
View mode for reliving memories
Fold open mode for talking
Fold closed mode for carrying
Outside: 5-way scroll key, camera mode key and flash key
Inside: 5-way scroll key, selection keys, menu key, edit and clear keys, call and end keys
Dedicated keys for capture and zoom
Multimedia key for quick access to your favorite content
Additional selection keys for landscape mode
Active standby screen
User Interface: S60 3rd Edition

Connectivity
Integrated wireless LAN (802.11 b/g) and UPnP (Universal Plug and Play)1
Nokia Web Browser with Mini map1,2,12
Web feeds support (RSS)1
Easy-to-use e-mail client with attachment support for images, videos, music and documents1
Compatible with Nokia Wireless Keyboard (sold separately)
Send and receive images, video clips, graphics, and business cards via Bluetooth v.2.0 wireless technology22
USB 2.0 via Pop-Port™ interface and mass storage class support to support drag and drop functionality4
TV out support (PAL/NTSC)
Nokia PC Suite connectivity with USB, Infrared and Bluetooth wireless technology4,5,22
Local synchronization of contacts and calendar to a compatible PC using compatible connection4,5,22
Over-the-air download of Java-based applications and games
Remote over-the-air synchronization1

Data
Dual Transfer Mode (DTM) support for simultaneous voice and packet data connection in GSM/EDGE networks. Simple class A, multi slot class 11, max speed DL/UL: 177.6/118.4 kbits/s1
EGPRS class B, multi slot class 32, max speed DL/UL= 296 / 177.6 kbits/s1,15

*Actual achieved speeds may vary depending on network support.

Organization
Personal Information Management (PIM)
Advanced S60 PIM features including calendar, contacts, to-do list, and PIM printing
Settings Wizard for easy configuration of e-mail, push to talk and video sharing1
Data transfer application for transfer of PIM information from other compatible Nokia devices
Adobe Premiere Elements 2.0 software gives you the power to edit great movies on your compatible PC and create a DVD to relive special moments again and again (requires Windows XP operating system)

Memory Functions
Up to 50 MB internal dynamic memory for messages, ring tones, images, video clips, calendar notes, to-do list and applications�
Expandable memory: 128 MB miniSD card*
Memory card slot supporting up to 2 GB miniSD memory cards

*Please note that the memory capacity of the miniSD in the sales package may vary depending on the market and/or your network operator/service provider

Personalization & Fun
Play video, music and photos on home media network - compatible TV, stereo and PC over WLAN/UPnP1
Full-screen video playback to view downloaded, streamed or recorded video clips
Supported video formats : MPEG-4 , H.264/AVC , H.263/3GPP, RealVideo 8/9/10
Java MIDP 2.0, CLDC 1.1 (Connected Limited Device Configuration (J2ME))

Nokia N93 Sales Package Contents
128 MB miniSD card MU-17*
Nokia Battery BP-6M
Nokia Stereo Headset HS-23
Nokia Travel Charger AC-4
Nokia Charger Adapter CA-44
Nokia Connectivity Cable CA-53
Nokia Video Connectivity Cable CA-64U
Protective Pouch CP-83
Wrist Strap CP-84
DVD-ROM with PC software - (containing Nokia PC Suite, Lifeblog, Adobe Photoshop Album Starter Edition, Adobe Premiere Elements 2.0, Home Media Server software)
User guide, Quick Start guide, Get Connected guide and Add-on Application guide

for you to buy contact ........tmsplaza@hotmail.com

Description

Item Specifics - Cell Phones
Phone Brand: Nokia Camera: 3+ Megapixels
Phone Model: N95
Carrier: -- Features: --
Technology: GSM Condition: New, Never Opened

Introduction / Preview

Nokia N95, an all-in-one multimedia computer with a pioneering 2-way slide concept, integrated GPS functionality, a 5 megapixel camera and support for high-speed mobile networks, making it easier to watch and record videos, listen to songs, take high-quality photos, browse the internet, or catch up on email while on the move.

The innovative 2-way slide concept makes it easy to switch between different modes, going from reading maps to watching a video with a simple slide. A numeric keypad slides out from one end of the device while dedicated media keys slide out from the opposite direction, converting the display into full screen landscape mode. With powerful 3D graphics, the Nokia N95 has a stunning user interface that makes it intuitive to find the features and services you want.

With its integrated GPS at your fingertips, finding your way just got easier. The Maps application includes maps for more than 100 countries, enabling users to explore the world, find specific routes or locate services such as restaurants and hotels and covering more than 15 million points of interest. You can also purchase additional features, such as city guides and voice guided navigation.

With the Carl Zeiss optics on the 5 megapixel camera, you can capture print quality photos and DVD-like quality video clips. Photos and video clips can be enjoyed on a compatible television thanks to the device's TV out feature and support for Universal Plug and Play (UPnP) technology.

Designed for High Speed Downlink Packet Access (HSDPA) networks and with support for WLAN, EDGE and WCDMA networks, the Nokia N95 provides excellent coverage and speeds wherever you may be. In HSDPA networks, browsing the internet, reading email, streaming video and downloading large files can be carried out up to 10 times faster than with 3G.

The Nokia N95 also offers a first class entertainment experience with the combination of a large 2.6" QVGA 16 million color display, impressive 3D graphics, built-in stereo speakers offering a 3D stereo effect, standard 3.5 mm audio jack, support for compatible microSD cards and mini USB for convenient data transfer. Browsing the internet on the Nokia N95 is a pleasure using the Nokia Web Browser with Mini Map, with new features such as a floating toolbar, password manager and auto complete, as well as web feeds with support for Atom and auto update.

The Nokia N95 is based on the world's leading S60 software on Symbian OS, enabling you to personalize your device from a wide choice of compatible applications that can be downloaded to the Nokia N95, including games, navigation, entertainment, productivity and creativity. The Nokia N95 comes out of the box ready to create, connect, consume and interact with some of the internet's most popular services. Use Yahoo! Search to search for and find most anything on the web, scroll though a book with Amazon's MobiPocket Reader or snap a photo and send it directly to your Flickr site.

Nokia N95 Specs:

Operating Frequency
Dual mode WCDMA/GSM and triband GSM coverage on up to five continents (EDGE/GSM 900/1800/1900 + WCDMA 2100 MHz networks)
Automatic switching between bands and modes

Dimensions
Volume: 90 cc
Weight: 120 g
Length: 99 mm
Width: 53 mm
Thickness (max): 21 mm

Memory Functions
Up to 160 MB internal dynamic memory for messages, ringing tones, images, video clips, calendar notes, to-do list and applications
Expandable memory: 128 MB miniSD card**
Memory card slot supporting up to 2 GB miniSD memory cards

Power Management
Battery: Nokia Battery (BL-5F) 950mAH
Talk time: up to 190min (WCDMA), up to 390 min (GSM)*
Stand-by time: up to 233 hours (WCDMA), up to 228h (GSM)*/div> * Operation times may vary depending on radio access technology used, operator network configuration and usage.

Displays
Large 2.6" QVGA (240 x 320 pixels) TFT display with ambient light detector and up to 16 million colors

User Interface
User Interface: S60 3rd Edition
Dedicated music keys
Active standby screen

Call Management
Contacts: advanced contacts database with support for multiple phone and e-mail details per entry, also supports thumbnail pictures and groups
Speed dialing
Logs: keeps lists of your dialed, received, and missed calls
Automatic redial
Automatic answer (works with compatible headset or car kit only)
Supports fixed dialing number, which allows calls only to predefined numbers
Conference call
Push to talk (PoC)

Data Transfer
WCDMA 2100 with simultaneous voice and packet data (PS max speed UL/DL= 384/384kbps, CS max speed 64kbps)
Dual Transfer Mode (DTM) support for simultaneous voice and packet data connection in GSM/EDGE networks. Simple class A, multi slot class 11, max speed DL/UL: 177.6/118.4 kbits/s
EGPRS class B, multi slot class 32, max speed DL/UL= 296 / 177.6 kbits/s

Connectivity
Integrated wireless LAN (802.11 b/g) and UPnP (Universal Plug and Play)
Integrated Bluetooth wireless technology v.2.0
USB 2.0 via Pop-Port™ interface and mass storage class support to support drag and drop functionality
3.5 mm stereo headphone plug and TV out support (PAL/NTSC)
Nokia PC Suite connectivity with USB, Infrared and Bluetooth wireless technology
Local synchronization of contacts and calendar to a compatible PC using compatible connection
Remote over-the-air synchronization
Send and receive images, video clips, graphics, and business cards via Bluetooth wireless technology

Java Applications
Java MIDP 2.0, CLDC 1.1 (Connected Limited Device Configuration (J2ME))
Over-the-air download of Java-based applications and games

Other Applications
Personal Information Management (PIM)
Advanced S60 PIM features including calendar, contacts, to-do list, and PIM printing
Settings Wizard for easy configuration of e-mail, push to talk and video sharing.
Data transfer application for transfer of PIM information from other compatible Nokia devices.

Digital Services
Java and Symbian applications available from Nokia Software Market
Return to top
See New - Mobile Photography and Video
Imaging and Video
Up to 5 megapixel (2592 x 1944 pixels) camera, Carl Zeiss optics, Vario-Tessar lens, MPEG-4 VGA video capture of up to 30 fps
Direct connection to compatible TV via Nokia Video Connectivity Cable (CA-64U, included in box) or wireless LAN/UPnP
Front camera, CIF (352 x 288) sensor
Video call and video sharing support (WCDMA network services)
Integrated flash
Digital stereo microphone
Flash modes: on, off, automatic
Rotating gallery
Online album/blog: photo/video uploading from gallery
Nokia Lifeblog 2.0 support
Video and still image editors
Movie director for automated video production

Mobile Video
Video resolutions: up to VGA (640x480) at 30 fps
Audio recording: AAC stereo
Digital video stabilization
Video clip length: limited by available memory
Video file format .mp4 (default), .3gp (for MMS)
White balance: automatic, sunny, cloudy, incandescent, fluorescent
Scene: automatic, night
Colour tones: normal, sepia, black & white, negative
Zoom: (optical / digital) 1x / up to 10 x (VGA up to 4x)

Mobile Photography
Image resolution: up to 5 megapixel: (2592 x 1944 pixels)
Still image file format: JPEG/EXIF
Auto focus
Auto exposure - center weighted
Exposure compensation: +2 ~ -2EV at 0.5 step
White balance: automatic, sunny, cloudy, incandescent, fluorescent
Scene: automatic, user, close-up, landscape, night, night portrait
Colour tone: normal, sepia, black & white, negative
Zoom (optical/digital) 1x / up to 20x (5 megapixel up to 6x)

Camera Specifications
Sensor: CMOS, 5 megapixel (2592 x 1944)
Carl Zeiss Optics: Vario-Tessar lens
Focal length 5.6 mm
Focus range 10 cm ~ infinity
Macro focus distance 10-50 cm
Shutter speed: Mechanical shutter: 1/1000~1/3 s

Music Features
Digital music player - supports MP3/AAC/AAC+/eAAC+/WMA with playlists and equalizer.
Integrated handsfree speaker
OMA DRM 2.0 support for music
Stereo FM radio (87.5-108MHz /76-90MHz) with Visual Radio support
Return to top
Do New - Mobile Computing and Connectivity
Navigation
Built-in GPS

E-mail
Easy-to-use e-mail client with attachment support for images, videos, music and documents
Compatible with Nokia Wireless Keyboard (sold separately)

Browsing
Nokia Web Browser with Mini map

Digital home
Play video, music and photos on home media network - compatible TV, stereo and PC over WLAN/UPnP

RealPlayer media player
Full-screen video playback to view downloaded, streamed or recorded video clips
Supported video formats : MPEG-4 , H.264/AVC , H.263/3GPP, RealVideo 8/9/10

Sales Package Contents
Nokia N95
Nokia Video Connectivity Cable CA-75U
Nokia Connectivity Cable DKE-2
Nokia Stereo Headset HS-45, AD-43
Nokia Battery BL-5F
Nokia Travel Charger AC-

for you to buy contact ........tmsplaza@hotmail.com

FX Currency Trading / Forex FX Trading Online - Know More

admin — Mon Sep 18, 2006 12:30 pm

Author: admin

Posted: Mon Sep 18, 2006 12:30 pm

Forex Trading – FX Trading

Foreign Exchange
This short introduction explains the basics of trading Forex online, a brief explanation of the markets and the major benefits of trading Forex online. There are also two scenarios describing the implications of trading in a bear as well as bull market to better acquaint you with some of the risks and opportunities in the largest and most liquid market in the world.

As an additional aid for those who are new to Forex, there is also a glossary at the bottom of this text which explains some of the terms used in connection with currency trading.

Overview
Foreign exchange , forex or just Forex are all terms used to describe the trading of the world's many currencies. The forex market is the largest market in the world, with trades amounting to more than $1.5 trillion every day. This is more than one hundred times the daily trading on the NYSE (New York Stock Exchange) . Most forex trading is speculative , with only a few percent of market activity representing governments' and companies' fundamental currency conversion needs.

Unlike trading on the stock market, the forex market is not carried out by a central exchange, but on the "interbank" market , which is thought of as an OTC (over the counter ) market. Trading takes place directly between the two counterparts necessary to make a trade, whether over the telephone or on electronic networks all over the world. The main centres for trading are Sydney, Tokyo, London, Frankfurt and New York. This worldwide distribution of trading centres means that the forex market is a 24-hour market.

Trading Forex
A currency trade is the simultaneous buying of one currency and selling of another one. The currency combination used in the trade is called a cross (for example, the Euro/US Dollar, or the GB Pound/Japanese Yen.). The most commonly traded currencies are the so-called "majors" - EURUSD, USDJPY, USDCHF and GBPUSD.

The most important forex market is the spot market as it has the largest volume. The market is called the spot market because trades are settled "immediately" or on the spot. In practice this means within two banking days.

Trading on Margin
Trading on margin means that you can buy and sell assets that represent more value than the capital in your account. Forex trading is usually done with relatively little margin since currency exchange rate fluctuations tend to be less than one or two percent on any given day. To take an example, a margin of 2.0% means you can trade up to $500,000 even though you only have $10,000 in your account. In terms of leverage this corresponds to 50:1, because 50 times $10,000 is $500,000, or put another way, $10,000 is 2.0% of $500.000. Using this much leverage gives you the possibility to make profits very quickly, but there is also a greater risk of incurring large losses and even being completely wiped out. Therefore, it is inadvisable to maximise your leveraging as the risks can be very high. For more information on the trading conditions at Saxo Bank, go to the Account Summary on your Client Station and open the section entitled "Trading Conditions" found in the top right-hand corner of the Account Summary.

Why trade Forex?

24 hour trading
One of the major advantages of trading forex is the opportunity to trade 24 hours a day from Sunday evening (20:00 GMT) to Friday evening (22:00 GMT). This gives you a unique opportunity to react instantly to breaking news that is affecting the markets.
Superior liquidity
The forex market is so liquid that there are always buyers and sellers to trade with. The liquidity of this market, especially that of the major currencies, helps ensure price stability and low spreads . The liquidity comes mainly from large and smaller banks that provide liquidity to investors, companies, institutions and other currency market players.
No commissions
The fact that forex is often traded without commissions makes it very attractive as an investment opportunity for investors who want to deal on a frequent basis. Trading the "majors" is also cheaper than trading other crosss because of the high level of liquidity. For more information on the trading conditions at Saxo Bank, go to the Account Summary on your Client Station and open the section entitled "Trading Conditions" found in the top right-hand corner of the Account Summary.
50:1 Leverage
With a minimum account of USD 10,000, for example, you can trade up to USD 500,000. The USD 10,000 is posted on margin as a guarantee for the future performance of your position.
Profit potential in falling markets
Since the market is constantly moving, there are always trading opportunities, whether a currency is strengthening or weakening in relation to another currency. When you trade currencies, they literally work against each other. If the EURUSD declines, for example, it is because the U.S. dollar gets stronger against the Euro and vice versa. So, if you think the EURUSD will decline (that is, that the Euro will weaken versus the dollar), you would sell EUR now and then later you buy Euro back at a lower price and take your profits. The opposite trading scenario would occur if the EURUSD appreciates .

Important Forex Trading Terms

Spread
The spread is the difference between the price that you can sell currency at ( Bid ) and the price you can buy currency at ( Ask ). The spread on majors is usually 5 pips under normal market conditions. For more information on the trading conditions at Saxo Bank, go to the Account Summary on your Client Station and open the section entitled "Trading Conditions" found in the top right-hand corner of the Account Summary.
Pips
A pip is the smallest unit by which a cross price quote changes. When trading forex you will often hear that there is a 5-pip spread when you trade the majors. This spread is revealed when you compare the bid and the ask price, for example EURUSD is quoted at a bid price of 0.9875 and an ask price of 0.9880. The difference is USD 0.0005, which is equal to 5 "pips". On a contract or position, the value of a pip can easily be calculated. You know that the EURUSD is quoted with four decimals, so all you have to do is the cancel-out the four zeros on the amount you trade and you will have one pip. Thus, on a EURUSD 100,000 contract, one pip is USD 10. On a USDJPY 100,000 contract, one pip is equal to 1000 yen, because USDJPY is quoted with only two decimals.

Trading Scenario - Trading Rising Prices
If you believe that the Euro will strengthen against the dollar you'll want to buy Euro now and sell it back later at a higher price.

You buy Euro	We quote EURUSD at Bid 0.9875 and Ask 0.9880, which means that you can sell 1 Euro for 0.9875 USD or buy 1 Euro for 0.9880 USD. In this example you buy Euro 100,000, at the quote price of 0.9880 (ask price) per Euro.
The market turns	Later the market turns in favour of the Euro and the EURUSD is now quoted at Bid 0.9894 and Ask 0.9899.
Now you want to sell your Euro and get the profit	You sell Euro at a Bid price of 0.9894.
The profit is calculated as follows:	Sell price-buy price x size of trade (0.9894 minus 0.9880) multiplied by 100.000 = $140 Profit (Note that the profit or loss is always expressed in the secondary currency )

Trading Scenario - Trading Falling Prices
If, on the other hand, you believe that the Euro will weaken against the dollar, you'll want to sell EURUSD.

You sell Euro	We quote EURUSD at a Bid price of 0.9875 and Ask price of 0.9880 and you decide to sellEuro 100,000 at a Bid price of 0.9875.
The market moves in your favour	The Euro weakens against the dollar and the EURUSD is now quoted at bid 0.9744 and ask 0.9749.
Now you buy back your Euro	You buy EUR at an ask price of 0.9749.
Your Profit/loss is then	Sell price-buy price x size of trade (0.9875 minus 0.9749) multiplied by 100.000 = $ 1260 Profit

Remember that trading EUR 100,000 as we have done in our examples, does not mean that you have to put up Euro 100,000 yourself. It means that you have to deposit 2.0% of Euro 100,000, which is Euro 2,000 on margin as a guarantee for the future performance of your position.

Further Reading
To see how you can trade the forex market and benefit from our toolbox of information and live quotes, please proceed to our Forex Quick Start found under the Trading menu on the toolbar, under Forex.

Glossary

Appreciation	Anincrease in the value of a currency.
Ask	Theprice at which you can buy. Traders also speak of an ask price,the price requested. This usually indicates the lowest price aseller will accept.
Basecurrency	Thecurrency that the investor buys or sells (i.e. EUR in EURUSD).
Bear	Someonewho believes prices are heading down. A bear market is one inwhich there is a sustained fall in prices and which does not looklike it will recover quickly.
Bid	Theprice at which you can sell. Traders also speak of a bid price,the price offered. This usually indicates the top price apurchaser will pay.
Bid/Ask	TheBid rate is the rate at which you sell. The Ask (or offer) rate isthe rate at which you can buy.
Bull	Someonewho is optimistic about the market. A bull market is characterisedby enthusiastic and sustained buying.
cross	Whentrading currencies, the investor buys one currency againstanother. These two currencies form the cross: for example, EURUSD.
Crossrate	Anexchange rate that is calculated from two other exchange rates.
Depreciation/decline	Afall in the value of a currency.
Exchangerate	Whatone currency is worth in terms of another, for example the $Amight be worth 58 US cents or 70 yen. Currencies traded freely onforeign-exchange markets have a spot rate (applying to tradessettled 'spot', ie, two working days hence) and a forward rate.Countries can determine their exchange rates in a variety of ways:a floating exchange rate system where the currency finds its ownlevel in the market; a crawling or flexible peg system which is acombination of an officially fixed rate and frequent smalladjustments which in theory work against a build-up of speculationabout a revaluation or devaluation; a fixed exchange-rate systemwhere the value of the currency is set by the government and/orthe central bank.
EURUSD	Meansthat you trade EUR against dollars. If you buy Euro you pay indollars and if you sell Euro you receive dollars.
FX,Forex, Foreign Exchange	Allnames for the transaction of one currency for another, e.g. youbuy £100.00 with $150.25 or sell $150.25 for £100.00.
Interbank	Short-term(often overnight) borrowing and lending between banks, as distinctfrom banks' business with their corporate clients or otherfinancial institutions.
Interestrate differential	Theyield spread between two otherwise comparable debt instrumentsdenominated in different currencies.
Leverage(gearing)	Inthis case leverage means that the investor only funds part of theamount traded.
Long	Tobuy.
Longposition	Aposition that increases its value if market prices increase.
Liquid(-ity)	Thecapacity to be converted easily and with minimum loss into cash.Ultra-short-dated treasury notes are an example of a liquidinvestment. A liquid market is one in which there is enoughactivity to satisfy both buyers and sellers.
Margin	Theinitial amount or deposit required when entering into a position.Margin is a guarantee for future performance.
NYSE	Acomputerised system providing brokers with the prices of sharesand securities traded on the New York stock exchange and over thecounter. The quotes are published in real-time.
Openposition	Aposition in a currency that has not yet been offset. For example,if you have bought 100,000 USDJPY, you have an open position inUSDJPY until you offset it by selling 100,000 USDJPY.
"Overthe counter"	Whentrading takes place directly between two parties, rather than onan exchange.
Pips	Apip is the smallest unit by which a cross price quote changes. Soif EURUSD bid is now quoted at 0.9767 and it moves up 2 pips, itwill now be quoted at 0.9769.
Position	Money-market,futures, foreign-exchange and sharemarket traders talk of 'takinga position' which simply means buying or selling one currencycross. 'Position' can also refer to a trader'scash/securities/currencies balance, whether he or she is short ofcash, has money to lend, is overbought or oversold in a currency,etc.
Risk	Tryingto control outcomes to a known or predictable range of gains orlosses. Risk management involves a set of steps which begin with asound understanding of one's business and the exposures or risksthat have to be covered to protect the value of that business.Then an assessment should be made of the types of variables thatcan affect the business and how best to protect against unwelcomeoutcomes. Consideration must also be given to the preferred riskprofile - whether one is risk- averse or fairly aggressive inapproach. This also involves deciding which instruments to use tomanage risk, and whether a natural hedge exists that can be used.Once undertaken, a risk-management strategy should be continuallyassessed for effectiveness and cost.
Secondarycurrency (variable currency or counter currency)	Thecurrency that the investor trades the base currency against (i.e.USD in EURUSD).
Shortposition	Aposition that benefits from a decline in market prices.
Short	Tosell.
Speculative	Buyingand selling in the hope of making a profit, rather than doing sofor some fundamental business-related need.
Spot	ASpot rate is the current market price of an asset.
Spotmarket	Thepart of the market calling for spot settlement of transactions.The precise meaning of 'spot' will depend on local custom for acommodity, security or currency. In the UK, US and Australianforeign-exchange markets, 'spot' means delivery two working dayshence.
Spread	Thedifference between the bid and the ask rate.

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Financial Services, Planners, Offshore Banking - Know More

Anonymous — Fri Jan 06, 2006 11:53 am

Author: Anonymous

Posted: Fri Jan 06, 2006 11:53 am

Financial Services, Planners, Offshore Banking - Know More

Dear members & guests

Due to the continuous marketing approach of our expatriate community by mutiple financial planners services company, Allo' Expat has decided to provided you with some usefull imformation on the Expat Offshore Banking issue. Hope you'll invest wisely..... in the future

Financial Advisors - who are they?

Q1 - How do I get the best offshore financial advice?

The best offshore financial advice is probably given by Independent Financial Advisors. Independent financial advisors (or IFA's, as they are sometimes called) advise their clients on savings, investments and pensions. They may also provide Savings Plans for offshore investing to their clients.

When counselling a client, the best offshore financial advisors should complete the following steps:

* Step 1 - collect detailed information about a client's financial circumstances and requirements ? be they for retirement planning, retirement income, expat investment, or another purpose.

* Step 2 - check all the offshore tax havens for the best offshore plans.

* Step 3 - provide impartial advice as to which plan(s) best meet their client's needs (in the form of a written report).

* Step 4 - arrange for a client to buy the chosen offshore plan(s) on the best terms available.

You may want to complete your own research to ensure you know the right questions to ask your advisor.

When all these stages are completed, you can be confident you have received the best offshore financial advice.

Q2 - What is a Certified Financial Advisor?

Financial advisors may need a license to practice, issued by the Financial Services Regulator in their Country. Only these advisors may be called 'Certified Financial Advisors'.

It may be a condition that prospective certified financial advisors show their Regulator that they are:

* competent to advise

* impartial in their advice

* independent of Providers

* covered by professional indemnity insurance.

So it is important to check that your financial advisor is listed under:

* Certified Financial Advisors, licensed to advise in the Country where you live and

* Independent Financial Advisors - advising on a wide range of offshore plans from a full list of providers.

Now you should feel confident you are receiving the best offshore financial advice.

Q3 - How are offshore financial advisors paid?

Independent financial advisors (IFA's) earn their living from commissions they receive from plan providers. This is their income for the offshore financial advice they give.

The commission that advisors (IFAs) receive from offshore financial advice cases may range from hundreds to thousands of dollars.

Good offshore financial advisors should not be influenced by the amount of commission they receive.

Some clients prefer to pay fees to their financial advisors for advice to ensure impartiality. When this occurs offshore financial advisors refund commission received from a plan provider either in cash or as an increased allocation of contributions invested.

Q4 -How do I find a list of Independent Financial Advisors (IFAs)?

Search the web! Try searching using the search words independent financial advisors or certified financial advisors PLUS the name of the Country in which you live.

Personal recommendations are always helpful - ask your friends if they would recommend their offshore financial advisors. Always check that a recommended advisor is both certified and independent.

Offshore Investing - What do that mean

Q1 - What is Offshore Investing or Offshore Investment?

When we talk about Offshore investing plan opportunities it is like the savings plans available in many countries, except these plans:

* Are registered in tax havens and are regulated by their Financial Services Authorities.

* Can be used for investing by non-residents of the tax havens.

* Are sometimes more tax efficient than or have other advantages over domestic savings plans.

Q2 - Why would expatriates choose offshore investing?

Expatriate investment in the savings plans catalogued here and offering offshore investing opprotunities might be appropriate when:

* No local or Home Country tax free regular savings plans are available.

* No local or Home Country tax free lump sum investment plans are available.

* An expatriate is planning to retire to a third country.

If you fit any of these categories of expatriates you should investigate the offshore plans researched by Offshore Boffin and consult your Financial Advisor.

Q3 - Are there other people who might benefit from Offshore Invesment?

Yes. People who are not living abroad might find offshore investment attractive in the following circumstances:

* They have more cash available for savings than can be invested tax free in their resident countries' investment plans (perhaps because the amount they can invest each year is capped).

* They may live in countries which do not have domestic tax free savings plans.

* They live in countries which are not suitable long-term investment environments for political or economic reasons.

* They wish to limit the effects of inheritance tac on their estates.

Q4 - Is there safe offshore investing?

The answer is that All investors should remember that the value of ALL their investments can go down as well as up!

Safe offshore investing is more likely by choosing plans:

* From politically stable tax havens - the quality of tax havens varies.

* From well-regulated tax havens - the tax havens whose savings plans are catalogued here all regulate their financial services companies to avoid 'fly-by-night' companies.

* From reputable investment management and life assurance companies - whilst past performance is not always a guide to the future, the companies whose savings plans are listed here are all well-known names.

* Investing in 'mutual' or 'collective' funds. these funds are based on a simple idea. If a large number of investors pool their savings in - for example - an equity fund, the larger fund can be invested in shares in many companies, spreading each individual's risk.

For expat investment - and others - to be successful the best offshore investment opportunities must be found. For that you'll need a good Financial Advisors.

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