The perfect card for frequent travelers

Spend in multiple currencies.
Get your card to spend in the local currency, wherever you are. With a better exchange rate and lower fees than your bank.
You’re always in control.
Freeze and unfreeze your card whenever you like. And with PIN reminders and instant transaction notifications, you can stay in the know.
Works worldwide.

Use your card in more than 200 countries and withdraw money from 2.3 million ATMs. Tap or swipe anywhere — and use Google Pay and Apple Pay in supported countries.
--
Shopping through overseas online stores
Pay at the real exchange rate.
Avoid sneaky bank exchange rate markups and high foreign transaction fees. Pay only a low upfront conversion fee, and no annual card fee.
Always pay in the local currency.
If you’re shopping online, always choose to pay in the currency of the country you’re buying from. If you don’t have it in your account, the card will automatically convert to it from the account that’s cheapest for you. You’ll avoid Dynamic Currency Conversion fees.
xauusd signal
Pay online securely with instant notifications.
Authorise payments with 3-D Secure authentication. Receive instant notifications when you spend.
Spend abroad without the hidden fees.
Use a card in 200 countries, spend with Apple and Google Pay, and withdraw anywhere.

No transaction costs for currencies included in the card
You can hold and convert money in 53 currencies. It only takes a few seconds to open a new account in the currency you need.
CHF – USD – EUR – JPY – GBP – AUD – CAD – SEK – HKD – NOK – DKK – AED

Argentine peso
Australian dollar
Bangladeshi taka
Botswana pula
British pound
Bulgarian lev
Canadian dollar
Chilean peso
Chinese yuan
Costa Rican colón
Croatian kuna
Czech koruna
Danish krone
Egyptian pound
Euro
Georgian lari
Ghanaian cedi
Hong Kong dollar
Hungarian forint
Indian rupee
Indonesian rupiah
Israeli shekel
Japanese yen
Kenyan shilling
Malaysian ringgit
Mexican peso
Moroccan dirham
Nepalese rupee
New Zealand dollar
Nigerian naira
Norwegian krone
Pakistani rupee
Philippine peso
Polish złoty
Romanian lei
Russian ruble
Singapore dollar
South African rand
South Korean won
Sri Lankan rupee
Swedish krona
Swiss franc
Tanzanian shilling
Thai baht
Turkish lira
UAE dirham
Ugandan shilling
Ukrainian hryvnia
Uruguayan peso
US dollar
Vietnamese dong
West African franc

----
Receive money from around the world
Get paid like a local.
UK account number, Euro IBAN, US routing number, and more. All in one account. Receive your salary, invoice payments, pension and profit from shares.
Work anywhere and link your account to Amazon, PayPal and more.
Use your account details to receive and manage your earnings. Invoice like a local and manage your earnings from various online platforms and storefronts.
Convert your money in seconds.
Receive payments from anywhere, and convert them to 53 currencies. You’ll always get the real exchange rate, and the low fees we’re known for.
xauusd forecast
The cheap, fast way to send money abroad.
Over 13 million customers
FCA regulated

Send money cheaper and easier than old-school banks.
Send money at the real exchange rate with no hidden fees.
Receive payments like a local in 10 currencies.
Get your own UK account number, Euro IBAN, US routing number, and more.
Convert and hold 53 currencies.
Hold multiple currencies in cash or stocks, and get the real exchange rate when you convert.

Wise account
Free multi-currency account that can hold 50+ currencies
Unique local bank account details for the US, Eurozone, UK, Australia, New Zealand, Singapore, Turkey, Hungary and Romania to receive payments in these currencies free of charge
Convert between balances at the mid-market exchange rate and low fees
forex signal

Wise is a London-based financial technology company founded by Estonian businessmen Kristo Käärmann and Taavet Hinrikus in January 2011.
Stock price: WISE (LON) 360.00 GBX
24 May, 5:53 PM GMT+1 - Disclaimer
Founded: March 31, 2010, London, United Kingdom

Headquarters: United Kingdom
Revenue: 421 million GBP (March 2021)
Type of site: Publicly listed company
Read more on
https://www.gold-pattern.com/en
https://www.gold-pattern.com/en/paid-forex-signals
https://www.gold-pattern.com/en/forex-signals.html
https://www.gold-pattern.com/en/gold-signals.html
https://www.gold-pattern.com/en/gold-forecast-prediction
https://www.gold-pattern.com/currency-signals.html
https://www.gold-pattern.com/gold-signals.html

Market Indicators vs. Technical Indicators
Like a technical indicator, a market indicator is a series of data points derived from a formula. With market indicators, however, the formula for market indicators is applied to the price data for multiple securities within the market, instead of just one security. Price data can come from open, high, low or close points for the securities, their volume or both. This data is entered into the indicator formula, producing the desired data point.
Unlike technical indicators, market indicators are not charted above or below the chart. Market indicators are what is being charted, and as such have their own ticker symbols. There are often many symbols that apply the same market indicator formula to different markets; for example, the $BPSPX and $BPNDX track the Bullish Percent Index for the S&P 500 and the NASDAQ 100, respectively.
Best Signals
Market Breadth Indicators
Breadth indicators measure the number or percentage of stocks in the group that are participating in a trend. Market breadth indicators are typically based on the price data of the stocks in the group. For example, the Advance-Decline Line is calculated using the number of stocks in the group that increased in price (“advancers”) vs. the number that decreased in price (“decliners”). The Net New 52-Week Highs indicator measures the difference between the percentage of stocks making new 52-week highs and those making new 52-week lows.
paid forex signals
Popular market breadth indicators include the Advance-Decline Line, McClellan Oscillator and Net New 52-Week Highs
Sentiment Indicators
gold signals

Not all market indicators measure market participation using price and volume. Sentiment Indicators are used to measure whether investors feel bullish or bearish about the market, which is referred to as investor sentiment. The data used to calculate these indicators varies more widely than traditional market breadth indicators: it is often a count of the investors themselves, or the volume of money they are investing, rather than price and volume. For example, the DecisionPoint Rydex Ratio is calculated using the amount of money invested in bullish and bearish mutual funds. The AAII sentiment indicators are based on poll results of investors.
Read more on
https://www.gold-pattern.com/en
https://www.gold-pattern.com/en/best-signals
https://www.gold-pattern.com/en/paid-forex-signals
https://www.gold-pattern.com/en/gold-signals.html
https://www.gold-pattern.com/en/forex-signals.html

Perfect Cycle

Once identified and understood, cycles can add significant value to the technical analysis toolbox. However, they are not perfect. Some will miss, some will disappear and some will provide a direct hit. This is why it is important to use cycles in conjunction with other aspects of technical analysis. Trend establishes direction, oscillators define momentum and cycles anticipate turning points. Look for confirmation with support or resistance on the price chart or a turn in a key momentum oscillator. It can also help to combine cycles. For example, the stock market is known to have 10-week, 20-week, and 40-week cycles. These cycles can be combined with the Six Month Cycle and Presidential Cycle for added value. Signals are enhanced when multiple cycles nest at a cycle low.

A cycle is an event, such as a price high or low, which repeats itself on a regular basis. Cycles exist in the economy, in nature and in financial markets. The basic business cycle encompasses an economic downturn, bottom, economic upturn, and top. Cycles in nature include the four seasons and solar activity (11 years). Cycles are also part of technical analysis of the financial markets. Cycle theory asserts that cyclical forces, both long and short, drive price movements in the financial markets.

Price and time cycles are used to anticipate turning points. Lows are normally used to define cycle length and then project future cycle lows. Even though there is evidence that cycles do indeed exist, they tend to change over time and can even disappear for a while. While this may sound discouraging, trend is the same way. There is indeed evidence that markets trend, but not all the time. Trend disappears when markets move into a trading range and reverses when prices change direction. Cycles can also disappear and even invert. Do not expect cycle analysis to pinpoint reaction highs or lows. Instead, cycle analysis should be used in conjunction with other aspects of technical analysis to anticipate turning points.

The Perfect Cycle and stock signals
The image below shows a perfect cycle with a length of 100 days. The first peak is at 25 days and the second peak is at 125 days (125 - 25 = 100). The first cycle low is at 75 days and the second cycle low is at 175 days (also 100 days later). Notice that the cycle crosses the X-axis at 50, 100 and 150, which is every 50 points or half a cycle.

Cycle Characteristics and Best Signals

Cycle Length: Lows are usually used to define the length of a cycle and project the cycle into the future. A cycle high can be expected somewhere between the cycle lows.

Translation: Cycles almost never peak at the exact midpoint nor trough at the expected cycle low. Most often, peaks occur before or after the midpoint of the cycle. Right translation is the tendency of prices to peak in the latter part of the cycle during bull markets. Conversely, left translation is the tendency of prices to peak in the front half of the cycle during bear markets. Prices tend to peak later in bull markets and earlier in bear markets.

Harmonics: Larger cycles can be broken down into smaller, and equal, cycles. A 40-week cycle divides into two 20-week cycles. A 20-week cycle divides into two 10-week cycles. Sometimes a larger cycle can divide into three or more parts. The inverse is also true. Small cycles can multiply into larger cycles. A 10-week cycle can be part of a larger 20-week cycle and an even larger 40-week cycle.
XAUUSD signal

Nesting: A cycle low is reinforced when several cycles signal a trough at the same time. The 10-week, 20-week, and 40-week cycles are nesting when they all trough at the same time.

Inversions: Sometimes a cycle high occurs when there should be a cycle low and vice versa. This can happen when a cycle high or low is skipped or is minimal. A cycle low may be short or almost non-existent in a strong uptrend. Similarly, markets can fall fast and skip a cycle high during sharp declines. Inversions are more prominent with shorter cycles and less common with longer cycles. For instance, one could expect more inversions with a 10-week cycle than a 40-week cycle.
Forex trading Signals
Data Categories
The data points on a price chart can be split into three categories: trending, cyclical or random. Trending data points are part of a sustained directional move, usually up or down. Cyclical data points are recurring diversions from the mean. Diversions occur when prices move above or below the mean. Random data points are noise, usually caused by intraday or daily volatility.
best signals

Cycles can be found by removing trend and random noise from the price data. Random data points can be removed by smoothing the data with a moving average. The trend can be isolated by de-trending the data. This can be done by focusing on movements above and below a moving average.
Read more on
https://www.gold-pattern.com/en
https://www.gold-pattern.com/en/best-signals
https://www.gold-pattern.com/en/gold-signals.html
https://www.gold-pattern.com/en/forex-signals.html
https://www.gold-pattern.com/en/stock-signals

Investor Behavior
In 2001, Dalbar, a financial-services research firm, released a study entitled "Quantitative Analysis of Investor Behavior," which concluded that average investors consistently fail to achieve returns that beat or even match the broader market indices. The study found that in the 17-year period to December 2000, the S&P 500 returned an average of 16.29% per year, while the typical equity investor achieved only 5.32% for the same period—a startling 9% difference!2 It also found that during the same period, the average fixed-income investor earned only a 6.08% return per year, while the long-term Government Bond Index reaped 11.83%.

In a 2015 follow-up of the same publication, Dalbar again concluded that average investors fail to achieve market-index returns. It found that "the average equity mutual fund investor underperformed the S&P 500 by a wide margin of 8.19%. The broader market return was more than double the average equity mutual fund investor’s return (13.69% vs. 5.50%)."2 Average fixed income mutual fund investors also consistently underperformed—returning 4.81% less than the benchmark bond market index.

Why does this happen? Behavioral finance provides some possible explanations.

Fear of Regret and stock signals
Fear of regret, or simply regret theory, deals with the emotional reaction people experience after realizing they've made an error in judgment. Faced with the prospect of selling a stock, investors become emotionally affected by the price at which they purchased the stock.3 So, they avoid selling it as a way to avoid the regret of having made a bad investment, as well as the embarrassment of reporting a loss. We all hate to be wrong, don't we?

What investors should really ask themselves when contemplating selling a stock is: "What are the consequences of repeating the same purchase if this security were already liquidated and would I invest in it again?" If the answer is "no," it's time to sell; otherwise, the result is regret in buying a losing stock and the regret of not selling when it became clear that a poor investment decision was made—and a vicious cycle ensues where avoiding regret leads to more regret.

Regret theory can also hold true for investors when they discover that a stock they had only considered buying has increased in value. Some investors avoid the possibility of feeling this regret by following the conventional wisdom and buying only stocks that everyone else is buying, rationalizing their decision with "everyone else is doing it."

Oddly enough, many people feel much less embarrassed about losing money on a popular stock that half the world owns than about losing money on an unknown or unpopular stock.

stock signals and Mental Accounting Behaviors
Humans have a tendency to place particular events into mental compartments, and the difference between these compartments sometimes impacts our behavior more than the events themselves.

Say, for example, you aim to catch a show at the local theater and tickets are $20 each. When you get there, you realize you've lost a $20 bill. Do you buy a $20 ticket for the show anyway? Behavior finance has found that roughly 88% of people in this situation would do so.4 Now, let's say you paid for the $20 ticket in advance. When you arrive at the door, you realize your ticket is at home. Would you pay $20 to purchase another? Only 40% of respondents would buy another. Notice, however, that in both scenarios, you're out $40: different scenarios, the same amount of money, different mental compartments. Pretty silly, huh?

An investing example of mental accounting is best illustrated by the hesitation to sell an investment that once had monstrous gains and now has a modest gain. During an economic boom and bull market, people get accustomed to healthy, albeit paper, gains. When the market correction deflates investor's net worth, they're more hesitant to sell at the smaller profit margin. They create mental compartments for the gains they once had, causing them to wait for the return of that profitable period.
Forex trading Signals

Prospect Theory and Loss-Aversion
It doesn't take a neurosurgeon to know that people prefer a sure investment return to an uncertain one—we want to get paid for taking on any extra risk. That's pretty reasonable. Here's the strange part. Prospect theory suggests people express a different degree of emotion towards gains than towards losses. Individuals are more stressed by prospective losses than they are happy from equal gains.5

An investment advisor won't necessarily get flooded with calls from her client when she's reported, say, a $500,000 gain in the client's portfolio. But, you can bet that phone will ring when it posts a $500,000 loss! A loss always appears larger than a gain of equal size—when it goes deep into our pockets, the value of money changes.
Read more on
https://www.gold-pattern.com/en

Cognitive psychology
Cognitive psychology involves the study of mental processes, including perception, attention, language comprehension and production, memory, and problem solving.[87] Researchers in the field of cognitive psychology are sometimes called cognitivists. They rely on an information processing model of mental functioning. Cognitivist research is informed by functionalism and experimental psychology.
Baddeley's model of working memory
Starting in the 1950s, the experimental techniques developed by Wundt, James, Ebbinghaus, and others re-emerged as experimental psychology became increasingly cognitivist and, eventually, constituted a part of the wider, interdisciplinary cognitive science.[88][89] Some called this development the cognitive revolution because it rejected the anti-mentalist dogma of behaviorism as well as the strictures of psychoanalysis.
gold signals
Albert Bandura helped along the transition in psychology from behaviorism to cognitive psychology. Bandura and other social learning theorists advanced the idea of vicarious learning. In other words, they advanced the view that a child can learn by observing his or her social environment and not necessarily from having been reinforced for enacting a behavior, although they did not rule out the influence of reinforcement on learning a behavior.[90]
The Müller–Lyer illusion. Psychologists make inferences about mental processes from shared phenomena such as optical illusions.
Technological advances also renewed interest in mental states and mental representations. English neuroscientist Charles Sherrington and Canadian psychologist Donald O. Hebb used experimental methods to link psychological phenomena to the structure and function of the brain. The rise of computer science, cybernetics, and artificial intelligence underlined the value of comparing information processing in humans and machines.
A popular and representative topic in this area is cognitive bias, or irrational thought. Psychologists (and economists) have classified and described a sizeable catalogue of biases which recur frequently in human thought. The availability heuristic, for example, is the tendency to overestimate the importance of something which happens to come readily to mind.
Forex trading Signals
Elements of behaviorism and cognitive psychology were synthesized to form cognitive behavioral therapy, a form of psychotherapy modified from techniques developed by American psychologist Albert Ellis and American psychiatrist Aaron T. Beck.
On a broader level, cognitive science is an interdisciplinary enterprise involving cognitive psychologists, cognitive neuroscientists, linguists, and researchers in artificial intelligence, human–computer interaction, and computational neuroscience. The discipline of cognitive science covers cognitive psychology as well as philosophy of mind, computer science, and neuroscience.[92] Computer simulations are sometimes used to model phenomena of interest.
Social psychology is concerned with how behaviors, thoughts, feelings, and the social environment influence human interactions.[93] Social psychologists study such topics as the influence of others on an individual's behavior (e.g. conformity, persuasion) and the formation of beliefs, attitudes, and stereotypes about other people. Social cognition fuses elements of social and cognitive psychology for the purpose of understanding how people process, remember, or distort social information. The study of group dynamics involves research on the nature of leadership, organizational communication, and related phenomena. In recent years, social psychologists have become interested in implicit measures, mediational models, and the interaction of person and social factors in accounting for behavior. Some concepts that sociologists have applied to the study of psychiatric disorders, concepts such as the social role, sick role, social class, life events, culture, migration, and total institution, have influenced social psychologists.
Biological
Main article: Cognitive neuroscience
stock signals
False-color representations of cerebral fiber pathways affected, per Van Horn et al.[V]: 3 
Psychologists generally consider biology the substrate of thought and feeling, and therefore an important area of study. Behaviorial neuroscience, also known as biological psychology, involves the application of biological principles to the study of physiological and genetic mechanisms underlying behavior in humans and other animals. The allied field of comparative psychology is the scientific study of the behavior and mental processes of non-human animals.[66] A leading question in behavioral neuroscience has been whether and how mental functions are localized in the brain. From Phineas Gage to H.M. and Clive Wearing, individual people with mental deficits traceable to physical brain damage have inspired new discoveries in this area.[67] Modern behavioral neuroscience could be said to originate in the 1870s, when in France Paul Broca traced production of speech to the left frontal gyrus, thereby also demonstrating hemispheric lateralization of brain function. Soon after, Carl Wernicke identified a related area necessary for the understanding of speech.
The contemporary field of behavioral neuroscience focuses on the physical basis of behavior. Behaviorial neuroscientists use animal models, often relying on rats, to study the neural, genetic, and cellular mechanisms that underlie behaviors involved in learning, memory, and fear responses.[69] Cognitive neuroscientists, by using neural imaging tools, investigate the neural correlates of psychological processes in humans. Neuropsychologists conduct psychological assessments to determine how an individual's behavior and cognition are related to the brain. The biopsychosocial model is a cross-disciplinary, holistic model that concerns the ways in which interrelationships of biological, psychological, and socio-environmental factors affect health and behavior.[70]
Evolutionary psychology approaches thought and behavior from a modern evolutionary perspective. This perspective suggests that psychological adaptations evolved to solve recurrent problems in human ancestral environments. Evolutionary psychologists attempt to find out how human psychological traits are evolved adaptations, the results of natural selection or sexual selection over the course of human evolution.[71]
The history of the biological foundations of psychology includes evidence of racism. The idea of white supremacy and indeed the modern concept of race itself arose during the process of world conquest by Europeans.[72] Carl von Linnaeus's four-fold classification of humans classifies Europeans as intelligent and severe, Americans as contented and free, Asians as ritualistic, and Africans as lazy and capricious. Race was also used to justify the construction of socially specific mental disorders such as drapetomania and dysaesthesia aethiopica—the behavior of uncooperative African slaves.[73] After the creation of experimental psychology, "ethnical psychology" emerged as a subdiscipline, based on the assumption that studying primitive races would provide an important link between animal behavior and the psychology of more evolved humans.
Find trading signals on https://www.gold-pattern.com/en

chart patterns
There are hundreds of thousands of market participants buying and selling securities for a wide variety of reasons: hope of gain, fear of loss, tax consequences, short-covering, hedging, stop-loss triggers, price target triggers, fundamental analysis, technical analysis, broker recommendations and a few dozen more. Trying to figure out why participants are buying and selling can be a daunting process. Chart patterns put all buying and selling into perspective by consolidating the forces of supply and demand into a concise picture. As a complete pictorial record of all trading, chart patterns provide a framework to analyze the battle raging between bulls and bears. More importantly, chart patterns and technical analysis can help determine who is winning the battle, allowing traders and investors to position themselves accordingly.

In many ways, chart patterns are simply more complex versions of trend lines. It is important that you read and understand our articles on Support and Resistance as well as Trend Lines before you continue.

Chart pattern analysis can be used to make short-term or long-term forecasts. The data can be intraday, daily, weekly or monthly and the patterns can be as short as one day or as long as many years. Gaps and outside reversals may form in one trading session, while broadening tops and dormant bottoms may require many months to form.

An Oldie but Goodie
Much of our understanding of chart patterns can be attributed to the work of Richard Schabacker. His 1932 classic, Technical Analysis and Stock Market Profits, laid the foundations for modern pattern analysis. In Technical Analysis of Stock Trends (1948), Edwards and Magee credit Schabacker for most of the concepts put forth in the first part of their book. We would also like to acknowledge Messrs. Schabacker, Edwards and Magee, and John Murphy as the driving forces behind these articles and our understanding of chart patterns.

forex signals Pattern analysis may seem straightforward, but it is by no means an easy task. Schabacker states:

The science of chart reading, however, is not as easy as the mere memorizing of certain patterns and pictures and recalling what they generally forecast. Any general stock chart is a combination of countless different patterns and its accurate analysis depends upon constant study, long experience and knowledge of all the fine points, both technical and fundamental, and, above all, the ability to weigh opposing indications against each other, to appraise the entire picture in the light of its most minute and composite details as well as in the recognition of any certain and memorized formula.</box>
Even though Schabacker refers to “the science of chart reading”, technical analysis can at times be less science and more art. In addition, pattern recognition can be open to interpretation, which can be subject to personal biases. To defend against biases and confirm pattern interpretations, other aspects of technical analysis should be employed to verify or refute the conclusions drawn. While many patterns may seem similar in nature, no two patterns are exactly alike. False breakouts, bogus reads, and exceptions to the rule are all part of the ongoing education.

Careful and constant study are required for successful chart analysis. On the AMZN chart above, the stock broke resistance from a head and shoulders reversal. While the trend is now bearish, analysis must continue to confirm the bearish trend.

Some analysts might have labeled this Novellus (NVLS) chart as a head and shoulders pattern with neckline support around 17.50. Whether or not this is robust remains open to debate. Even though the stock broke neckline support at 17.50, it repeatedly moved back above its support break. This refusal might have been taken as a sign of strength and justified a reassessment of the pattern.
stock signals
Continuation Patterns vs. Reversal Patterns

Two basic tenets of technical analysis are that prices trend and that history repeats itself. An uptrend indicates that the forces of demand (bulls) are in control, while a downtrend indicates that the forces of supply (bears) are in control. However, prices do not trend forever and as the balance of power shifts, a chart pattern begins to emerge. Certain patterns, such as a parallel channel, denote a strong trend. However, the vast majority of chart patterns fall into two main groups: reversal and continuation. Reversal patterns indicate a change of trend and can be broken down into top and bottom formations. Read more on https://www.gold-pattern.com/en

Understanding Fear
When traders get bad news about a certain stock or about the economy in general, they naturally get scared. They may overreact and feel compelled to liquidate their holdings and sit on the cash, refraining from taking any more risks. If they do, they may avoid certain losses but may also miss out on some gains.
Traders need to understand what fear is: a natural reaction to a perceived threat. In this case, it's a threat to their profit potential.
Quantifying the fear might help. Traders should consider just what they are afraid of, and why they are afraid of it. But that thinking should occur before the bad news, not in the middle of it.
Free Forex Signals

Fear and greed are the two visceral emotions to keep in control.
By thinking it through ahead of time, traders will know how they perceive events instinctively and react to them, and can move past the emotional response. Of course, this is not easy, but it's necessary to the health of an investor's portfolio, not to mention the investor.
Overcoming Greed
There's an old saying on Wall Street that "pigs get slaughtered." This refers to the habit greedy investors have of hanging on to a winning position too long to get every last tick upward in price. Sooner or later, the trend reverses and the greedy get caught.
Greed is not easy to overcome. It's often based on the instinct to do better, to get just a little more. A trader should learn to recognize this instinct and develop a trading plan based on rational thinking, not whims or instincts.
forex signals

Setting Rules
A trader needs to create rules and follow them when the psychological crunch comes. Set out guidelines based on your risk-reward tolerance for when to enter a trade and when to exit it. Set a profit target and put a stop loss in place to take emotion out of the process.
In addition, you might decide which specific events, such as a positive or negative earnings release, should trigger a decision to buy or sell a stock.
It's wise to set limits on the maximum amount you are willing to win or lose in a day. If you hit the profit target, take the money and run. If your losses hit a predetermined number, fold up your tent and go home.
https://www.gold-pattern.com/en
Snap Decisions
Traders often have to think fast and make quick decisions, darting in and out of stocks on short notice. To accomplish this, they need a certain presence of mind. They also need the discipline to stick with their own trading plans and know when to book profits and losses. Emotions simply can't get in the way.

Habits exist to save our brains effort
“Habits, scientists say, emerge because the brain is constantly looking for ways to save effort. Left to its own devices, the brain will try to make almost any routine into a habit, because habits allow our minds to ramp down more often.”
Biologically, we form habits to save energy, so anything we do regularly will become a habit.
Cue, routine, reward
“This is how new habits are created: by putting together a cue, a routine, and a reward, and then cultivating a craving that drives the loop.”
“Cravings are what drive habits. And figuring out how to spark a craving makes creating a new habit easier.”
Habits are a simple action loop that consists of a cue, a routine, and a reward. For example, waking up in the morning might be the cue that drives the routine of brushing our teeth, which yields the reward of having a clean and refreshed feeling in our mouth. The habit loop is driven by cravings. For instance, we might crave the feeling a clean and refreshed mouth, which will lead us to go through the routine of brushing our teeth when we get the cue of waking up. To understand and change our existing habits, in addition to creating new ones, it’s essential we understand the cue, routine, reward habit loop.
gold signals
The Golden Rule
“The Golden Rule of Habit Change: You can’t extinguish a bad habit, you can only change it.”
Habits are hard-wired into our brains. So while it would be nice to be able to erase this hard-wiring, it’s not possible. So we have to be intentional about changing our bad habits into good ones, rather than focusing on eliminating the bad ones from our system.
How to change habits
“Rather, to change a habit, you must keep the old cue, and deliver the old reward, but insert a new routine. That’s the rule: If you use the same cue, and provide the same reward, you can shift the routine and change the habit. Almost any behavior can be transformed if the cue and reward stay the same.”
“However, to modify a habit, you must decide to change it. You must consciously accept the hard work of identifying the cues and rewards that drive the habits’ routines, and find alternatives. You must know you have control and be self-conscious enough to use it”
If we want to change our habits, we should keep the cue and reward the same, but change the routine. For example, imagine that we smoke a cigarette every time we drink coffee in the morning. The coffee is the cue, smoking a cigarette is the routine, and the high we get from the cigarette is the reward.

To change this behavior, we need to first consciously choose to do so and then identify the cues and rewards around the routine we would like to change. For instance, we can replace the smoking a cigarette routine with something else when we drink our morning coffee. We might, for example, do a short exercise routine after we drink our coffee that releases endorphins and gives us a high that feels as good as the high from cigarettes.
توصيات الذهب

Keystone habits
“…some habits have the power to start a chain reaction, changing other habits as they move through an organization. Some habits, in other words, matter more than others in remaking businesses and lives.”
“Keystone habits transform us by creating cultures that make clear the values that, in the heat of a difficult decision or a moment of uncertainty, we might otherwise forget.”
Keystone habits are habits that have the power to change habits in other areas of our lives. For instance, exercise is a keystone habit. When we start exercising regularly, we often start doing other healthy behaviors naturally. If you get done with a good workout, instead of grabbing the usual cheeseburger and french fries, we’re more likely to grab a healthier snack, such as a protein shake.
We also are more likely to get better sleep and feel happier due to the endorphins that are released from exercise. Collectively, these changes will likely make us more successful in our personal and professional lives. If you want to improve your life, identifying keystone habits that move you in the direction you want to go is a great way to do so.
Forex trading Signals
The importance of agency
“When people are asked to do something that takes self-control, if they think they are doing it for personal reasons—if they feel like it’s a choice or something they enjoy because it helps someone else—it’s much less taxing. If they feel like they have no autonomy, if they’re just following orders, their willpower muscles get tired much faster.”
“Simply giving employees a sense of agency—a feeling that they are in control, that they have genuine decision-making authority—can radically increase how much energy and focus they bring to their jobs.”
If we need to do something that requires self-control, our sense of agency has an important role in how taxing that activity is on our brains. For activities we feel that we have chosen, it requires less willpower to accomplish the activity
Read signals on https://www.gold-pattern.com/en

The 4 Crucial Beliefs Of Successful Investors
If you don’t believe in yourself as an investor and have absolute faith in your methodology, trading the markets will be like trying to nail Jello to the wall.

We use to joke that my high school buddy, Brian Maxwell, was a force of nature – so much so that the weather would follow him wherever he went. In truth, it was his beliefs that fueled his behavior. Brian was a world-class marathon runner. When he created PowerBar, he believed beyond the shadow of a doubt that its formulation would allow him to break through the inevitable 21-mile wall that all runners hit in a marathon race. His absolute belief in his PowerBar formulation allowed him to aggressively run to 21 miles knowing he would blast through “the wall”. The faith he had in his methodology facilitated his near-evangelical zeal as he pedaled PowerBars out of his van at numerous race events. His beliefs resulted in the building of a 300-person company that he eventually sold to Nestle for $375 million.
Ask yourself this: what do you believe?
Similar to my friend Brian, I know that my beliefs in four crucial areas determine how my trading profits will stack up at the end of the year. These are the four “touchstones” I ask myself each week:
Do I still believe 100% in the methodology I have written down in my trading plan?
Do I believe I still have the ability to control my emotions and produce the appropriate behavior necessary to trade the market?
Is my faith in my tools and indicators still unwavering such that I can confidently risk my capital based on their readings?
Do I still believe in the “law of probabilities” and that by consistently executing my system, I’ll earn a profit?
In embracing these four beliefs, I see myself as part trapeze artist and part quarterback. As a trapeze artist, I am able to let go of the bar trusting that a partner will be there to catch me; as quarterback, I throw the ball to X believing that the receiver will be where he should be. My beliefs become my trading partners.
gold signal
In my experience, it’s been uncanny how my beliefs and my ability to envision certain outcomes – both athletically and professionally – have contributed to events becoming reality.
Bottomline: As an investor, you must be intimately in tune with your beliefs at all times and be aware of those symptoms that might suggest your beliefs are drifting off course. Understanding your own beliefs about investing will empower you to produce consistent profits in a manner no other personal attribute can do.
In his Market Wizards books, Jack Swagger interviews an outstanding collection of renowned investors, traders and money managers. The single most common thread that each mentions as being a major contributor to their success is their money management skills.

The challenge is to understand what they mean by money management. The internet is full of definitions, ranging from simplistically useless to overly complex and potentially harmful. In past years, I’ve surveyed my classes for their personal definitions. On two separate occasions a decade apart, we constructed in class definitions that I believe accurately capture what these market wizards meant when they attributed their success to their money management skills.
gold trading strategy

What both groups of the investors I surveyed agreed upon was the notion that money management is a process. In its most basic form, it involves setting goals, getting organized and executing a written investing plan. Both groups also agreed that money management is very personal and individualistic in nature. It will change over time as the investor’s needs shift, but honesty and candor are essential ongoing ingredients in any effective written money management plan.
My first investor group formulated a money management process consisting of 8 issues constructed as questions that challenged each individual investor to answer in writing in a manner most appropriate for him or herself.
How do you get your money? What are the sources of your cash flow and are they dependable or variable?
How do you feel about money? Did you inherit your wealth and see money management as a burden or part of your lifestyle? What is your tolerance for risk?
Where do you move your money? What percentage of your assets are you comfortable placing in various asset baskets? Do you see yourself as an investor, a trader or a watcher?
How do you move your money? What are your investment analysis routines and which trading methodology do you employ?
gold signals
Why do you move your money? How will you decide it’s time to invest?
How do you protect your money? What sell disciplines do you have in place? Have you adequately insured yourself and your family to protect all your assets?
How do you spend your money? What are your lifestyle priorities? How much money will you invest, spend and distribute?
When will you spend your money?

The 10 Essential Fundamentals for Both Car Enthusiasts and Investors
To make a broad generalization, European cars lust after curvy roads. American cars are more about the power, rumble and straight line 0 – 60 speed. There are key parallels between investors and car buffs, but clearly there exist cars for every possible taste, just as there are limitless options of investment methodologies for every investor. Having said that, there are essential commonalities amongst all car enthusiasts and all successful investors without which disequilibrium inevitably results.
توصيات الذهب
The famous Hollywood director Orson Welles was so captivating that it is said he could hold an entire audience in his hand by simply reciting a grocery list. It’s no secret that I’m captivated myself by the power of lists. I’m a “listaholic” of sorts because concise clusters of pithy ideas are relatively easy for me to memorize. When I discover a worthy list, I find that transitioning items from memory and integrating them into my trading methodology simply requires regular practice until they eventually become second nature and part of my trading intuition – which was the objective all along.
So how do I best lubricate the transition from memorizing these pithy ideas and effectively folding them into my daily trading intuition? I’m a car guy, so that’s easy. I use automotive metaphors.
1. SAFETY FIRST: You wouldn’t buy a car without airbags. As an investor, first take care of protecting your assets with insurance, estate planning, tax strategies and the like before you trade equities. After you begin trading, you should once again put safety first by utilizing proven money management skills and stops.
2. SERVICE & SUPPORT: I wouldn’t buy a Saab today because the maintenance and support are fading. Despite what some may believe, investing is not a solo gig. You should have the moral support of your family and the intellectual support of your trading circle. A supportive network increases the probability of success whether you are talking trucks or trades.
3. HONESTY: If you’re 6’5” tall and believe a Miata sports car is the car for you, you’re delusional. As an investor, if you can’t be honest with yourself, you’ll be blind to your weaknesses and investing will be a brief negative passage along the highway of life.
4. YOUR VISION: You have four teenage kids, you’re working two jobs and you put down a deposit for a new Corvette. Anything wrong with this vision? Think mini-van or SUV. Similarly, investors must do an inventory of their circumstances as well and personalize their trading vision to fit the trading time frame that matches their situation. Ask yourself these kinds of questions: Which markets will I trade? How am I planning to trade? How long do I plan to hold positions? Treat investing like a business.
5. توصيات العملات
6. CONFIGURE YOUR METHODOLOGY: I used to have a Mini Cooper S. They claim that with the number of options they offer, it’s possible to configure over a million different Minis. Investors, too, are offered a smorgasbord that’s much larger in scope, and because of it, they have the power to thoroughly overcomplicate their trading methodology. If it were a car, it would never even start! Focus on clarity and simplicity and you will build a profitable trading system.
7. SET GOALS: Dream big and motivate yourself. I was inspired to work especially hard last year because I wanted to buy a Porsche. We all have different hot buttons. I stayed engaged emotionally, mentally and physically in the markets, motivated in large part by that goal. True, some days were just work but I know “from whence my passion springs!”
8. توصيات الاسهم الامريكية
9. NEGOTIATION & EXECUTION: Here’s the hard part. It’s where the pedal meets the metal, where the rubber meets the road. Can you pull the trigger and do the trade? If you don’t have an action-oriented ability to execute your trades (or your dreams), investing should be farmed out to the professionals.
10. READ THE MANUAL: These days, one can’t truly enjoy and experience the full potential of a Porsche or a BMW without reading the manual. (Sorry, guys!) Whether you are a car enthusiast or an investor, you must be capable of embracing this new reality. I used to drive a 1971 Volkswagen Beetle. No manual required. Today, investors must continually embrace change, take classes, find mentors, and participate in seminars. In other words, read the manual. You won’t figure out “launch control” without it!
11. DISCIPLINE & SELF MOTIVATION: Racing school will shock and awe you as to the capabilities of your modern car. To achieve self-mastery on the road or within your brokerage account, you’ll need practice. Consistently applying yourself and pushing from within the framework of high performance routines will result in the stock market mastery you seek. If you maintain your passion for the stock market, your own capabilities over time will awaken that same sense of shock and awe.
12. DETERMINATION: Cars get tired. Investors get tired, too. Just try not changing the oil in a car for 30,000 miles or ignoring that red light on the dashboard! Traders will have tough days and tough weeks. They’ll have 3-4-5 losses in a row. But then you change the oil, get a tune-up, do whatever you need to do to get re-energized and believe in yourself and your methodology again.
13. https://www.gold-pattern.com/en
Investing requires determination and faith, as well as all of the nine preceding fundamentals.

Self-control

Self-control, an aspect of inhibitory control, is the ability to regulate one's emotions, thoughts, and behavior in the face of temptations and impulses.[1][2] As an executive function, it is a cognitive process that is necessary for regulating one's behavior in order to achieve specific goals.[2][3]

A related concept in psychology is emotional self-regulation.[4] Self-control is thought to be like a muscle. According to studies, self-regulation, whether emotional or behavioral, was proven to be a limited resource which functions like energy.[5] In the short term, overuse of self-control will lead to depletion.[6] However, in the long term, the use of self-control can strengthen and improve over time.[2][6]
gold trading strategy

Self-control is also a key concept in the general theory of crime, a major theory in criminology. The theory was developed by Michael Gottfredson and Travis Hirschi in their book titled A General Theory of Crime, published in 1990. Gottfredson and Hirschi define self-control as the differential tendency of individuals to avoid criminal acts independent of the situations in which they find themselves.[7] Individuals with low self-control tend to be impulsive, insensitive towards others, risk takers, short-sighted, and nonverbal. About 70% of the variance in questionnaire data operationalizing one construct of self-control had been found to be genetic.
Counteractive
Desire is an affectively charged motivation toward a certain object, person, or activity, but not limited to, that associated with pleasure or relief from displeasure.[9] Desires vary in strength and duration. A desire becomes a temptation when it impacts or enters the individual's area of self-control, if the behavior resulting from the desire conflicts with an individual's values or other self-regulatory goals.[10][11] A limitation to research on desire is the issue of individuals desiring different things. New research looked at what people desire in real world settings. Over one week, 7,827 self-reports of desires were collected and indicated significant differences in desire frequency and strength, degree of conflict between desires and other goals, and the likelihood of resisting desire and success of the resistance. The most common and strongly experienced desires are those related to bodily needs like eating, drinking, and sleeping.[11][12]
توصيات الاسهم الامريكية

Desires that conflict with overarching goals or values are known as temptations.[11][10] Self-control dilemmas occur when long-term goals and values clash with short-term temptations. Counteractive Self-Control Theory states that when presented with such a dilemma, we lessen the significance of the instant rewards while momentarily increasing the importance of our overall values. When asked to rate the perceived appeal of different snacks before making a decision, people valued health bars over chocolate bars. However, when asked to do the rankings after having chosen a snack, there was no significant difference of appeal. Further, when college students completed a questionnaire prior to their course registration deadline, they ranked leisure activities as less important and enjoyable than when they filled out the survey after the deadline passed. The stronger and more available the temptation is, the harsher the devaluation will be.[13][14]

One of the most common self-control dilemmas involves the desire for unhealthy or unneeded food consumption versus the desire to maintain long-term health. An indication of unneeded food could also be over expenditure on certain types of consumption such as eating away from home. Not knowing how much to spend, or overspending one's budget on eating out can be a symptom of a lack of self control.[15]
توصيات الذهب

Experiment participants rated a new snack as significantly less healthy when it was described as very tasty compared to when they heard it was just slightly tasty. Without knowing anything else about a food, the mere suggestion of good taste triggers counteractive self-control and prompted them to devalue the temptation in the name of health. Further, when presented with the strong temptation of one large bowl of chips, participants both perceived the chips to be higher in calories and ate less of them than did participants who faced the weak temptation of three smaller chip bowls, even though both conditions represented the same amount of chips overall.

Weak temptations are falsely perceived to be less unhealthy, so self-control is not triggered and desirable actions are more often engaged in, supporting the counteractive self-control theory.[16] Weak temptations present more of a challenge to overcome than strong temptations, because they appear less likely to compromise long-term values.[13][14]
https://www.gold-pattern.com/en
Satiation
The decrease in an individual's liking of and desire for a substance following repeated consumption of that substance is known as satiation. Satiation rates when eating depend on interactions of trait self-control and healthiness of the food.

Beta and Passive Risk Management
Another risk measure oriented to behavioral tendencies is a drawdown, which refers to any period during which an asset's return is negative relative to a previous high mark. In measuring drawdown, we attempt to address three things:

The magnitude of each negative period (how bad)
The duration of each (how long)
The frequency (how often)
For example, in addition to wanting to know whether a mutual fund beat the S&P 500, we also want to know how comparatively risky it was. One measure for this is beta (known as "market risk"), based on the statistical property of covariance. A beta greater than 1 indicates more risk than the market and vice versa.

Beta helps us to understand the concepts of passive and active risk. The graph below shows a time series of returns (each data point labeled "+") for a particular portfolio R(p) versus the market return R(m). The returns are cash-adjusted, so the point at which the x and y-axes intersect is the cash-equivalent return. Drawing a line of best fit through the data points allows us to quantify the passive risk (beta) and the active risk (alpha).

The gradient of the line is its beta. For example, a gradient of 1.0 indicates that for every unit increase of market return, the portfolio return also increases by one unit. A money manager employing a passive management strategy can attempt to increase the portfolio return by taking on more market risk (i.e., a beta greater than 1) or alternatively decrease portfolio risk (and return) by reducing the portfolio beta below one.
توصيات الاسهم الامريكية

Alpha and Active Risk Management
If the level of market or systematic risk were the only influencing factor, then a portfolio's return would always be equal to the beta-adjusted market return. Of course, this is not the case: Returns vary because of a number of factors unrelated to market risk. Investment managers who follow an active strategy take on other risks to achieve excess returns over the market's performance. Active strategies include tactics that leverage stock, sector or country selection, fundamental analysis, position sizing, and technical analysis.

Active managers are on the hunt for an alpha, the measure of excess return. In our diagram example above, alpha is the amount of portfolio return not explained by beta, represented as the distance between the intersection of the x and y-axes and the y-axis intercept, which can be positive or negative. In their quest for excess returns, active managers expose investors to alpha risk, the risk that the result of their bets will prove negative rather than positive. For example, a fund manager may think that the energy sector will outperform the S&P 500 and increase her portfolio's weighting in this sector. If unexpected economic developments cause energy stocks to sharply decline, the manager will likely underperform the benchmark, an example of alpha risk.
توصيات الذهب

The Cost of Risk
In general, the more an active fund and its managers shows themselves able to generate alpha, the higher the fees they will tend to charge investors for exposure to those higher-alpha strategies. For a purely passive vehicle like an index fund or an exchange-traded fund (ETF), you're likely to pay one to 10 basis points (bps) in annual management fees, while for a high-octane hedge fund employing complex trading strategies involving high capital commitments and transaction costs, an investor would need to pay 200 basis points in annual fees, plus give back 20% of the profits to the manager.
gold trading strategy

The difference in pricing between passive and active strategies (or beta risk and alpha risk respectively) encourages many investors to try and separate these risks (e.g. to pay lower fees for the beta risk assumed and concentrate their more expensive exposures to specifically defined alpha opportunities). This is popularly known as portable alpha, the idea that the alpha component of a total return is separate from the beta component.

For example, a fund manager may claim to have an active sector rotation strategy for beating the S&P 500 and show, as evidence, a track record of beating the index by 1.5% on an average annualized basis. To the investor, that 1.5% of excess return is the manager's value, the alpha, and the investor is willing to pay higher fees to obtain it. The rest of the total return, what the S&P 500 itself earned, arguably has nothing to do with the manager's unique ability. Portable alpha strategies use derivatives and other tools to refine how they obtain and pay for the alpha and beta components of their exposure.
https://www.gold-pattern.com/en

What Is a Retracement?
A retracement is a technical term used to identify a minor pullback or change in the direction of a financial instrument, such as a stock or index. Retracements are temporary in nature and do not indicate a shift in the larger trend.

KEY TAKEAWAYS
A retracement is a minor pullback or change in the direction of a financial instrument, such as a stock or index.
The term, used by technical analysts to analyze the price of securities, refers to a short-term change in a stock's price relative to an overarching trend.
Once a retracement is over, there should be a continuation of the previous trend.
Retracements are not the same as reversals—with the latter, the price of the security must breach support or resistance levels.
Understanding a Retracement

A retracement refers to the temporary reversal of an overarching trend in a stock's price. Distinct from a reversal, retracements are short-term periods of movement against a trend, followed by a return to the previous trend.

The chart below illustrates the share price of General Electric Co. It is showing that the stock is in a downtrend. However, there are points on the chart that indicate that the price is rising, which would be considered a retracement.

gold trading strategy


A retracement by itself does not say much. However, when combined with other technical indicators it can help a trader identify if the current trend is likely to continue or if a significant reversal is taking hold.


A retracement should be used with other technical indicators and never alone. If not used correctly, it could cause the analysis to be misguided.
Retracement vs. Reversal
It is essential to determine the difference between a reversal and a short-term retracement. A retracement is not easy to identify because it can easily be mistaken for a reversal. Even worse is if a reversal is mistaken for a retracement.
gold signals



The chart below shows the S&P 500 during 2018 when a significant uptrend took place between April and October. There are three retracements identified on the chart, although there were a series of smaller ones as well, as the S&P 500 was rising to record highs.

What is most important is that the retracements never breached the uptrend. However, in October what appeared to be a retracement became a reversal after the index did finally fall below the uptrend, leading to a sharp decline.

توصيات الذهب


Again, it is important to remember that a retracement is a minor or short-term pullback in the price of a stock or index. What is key is that the stock does not breach a critical level of support or resistance nor breach the uptrend or downtrend. Should the price fall below or rise above support or resistance, or violate an uptrend or downtrend, then it is no longer considered a retracement but a reversal.

https://www.gold-pattern.com/en

Personality tests
There are two major types of personality tests, projective and objective.

Projective tests assume personality is primarily unconscious and assess individuals by how they respond to an ambiguous stimulus, such as an ink blot. Projective tests have been in use for about 60 years and continue to be used today. Examples of such tests include the Rorschach test and the Thematic Apperception Test.

The Rorschach Test involves showing an individual a series of note cards with ambiguous ink blots on them. The individual being tested is asked to provide interpretations of the blots on the cards by stating everything that the ink blot may resemble based on their personal interpretation. The therapist then analyzes their responses. Rules for scoring the test have been covered in manuals that cover a wide variety of characteristics such as content, originality of response, location of "perceived images" and several other factors. Using these specific scoring methods, the therapist will then attempt to relate test responses to attributes of the individual's personality and their unique characteristics.[51] The idea is that unconscious needs will come out in the person's response, e.g. an aggressive person may see images of destruction.
gold trading strategy


The Thematic Apperception Test (TAT) involves presenting individuals with vague pictures/scenes and asking them to tell a story based on what they see. Common examples of these "scenes" include images that may suggest family relationships or specific situations, such as a father and son or a man and a woman in a bedroom.[52] Responses are analyzed for common themes. Responses unique to an individual are theoretically meant to indicate underlying thoughts, processes, and potentially conflicts present within the individual. Responses are believed to be directly linked to unconscious motives. There is very little empirical evidence available to support these methods.[53]

Objective tests assume personality is consciously accessible and that it can be measured by self-report questionnaires. Research on psychological assessment has generally found objective tests to be more valid and reliable than projective tests. Critics have pointed to the Forer effect to suggest some of these appear to be more accurate and discriminating than they really are. Issues with these tests include false reporting because there is no way to tell if an individual is answering a question honestly or accurately.
توصيات الاسهم الامريكية


The Myers-Briggs Type Indicator (also known as the MBTI) is self-reporting questionnaire based on Carl Jung's Type theory.[54][12] However, the MBTI modified Jung's theory into their own by disregarding certain processes held in the unconscious mind and the impact these have on personality.

Personality theory assessment criteria
Verifiability – the theory should be formulated in such a way that the concepts, suggestions and hypotheses involved in it are defined clearly and unambiguously, and logically related to each other.
Heuristic value – to what extent the theory stimulates scientists to conduct further research.
Internal consistency – the theory should be free from internal contradictions.
Economy – the fewer concepts and assumptions required by the theory to explain any phenomenon, the better it is Hjelle, Larry (1992). Personality Theories: Basic Assumptions, Research, and Applications.
Psychology has traditionally defined personality through its behavioral patterns, and more recently with neuroscientific studies of the brain. In recent years, some psychologists have turned to the study of inner experiences for insight into personality as well as individuality. Inner experiences are the thoughts and feelings to an immediate phenomenon. Another term used to define inner experiences is qualia. Being able to understand inner experiences assists in understanding how humans behave, act, and respond. Defining personality using inner experiences has been expanding due to the fact that solely relying on behavioral principles to explain one's character may seem incomplete. Behavioral methods allow the subject to be observed by an observer, whereas with inner experiences the subject is its own observer
gold signals


Methods measuring inner experience
Descriptive experience sampling (DES): Developed by psychologist Russel Hurlburt. This is an idiographic method that is used to help examine inner experiences. This method relies on an introspective technique that allows an individual's inner experiences and characteristics to be described and measured. A beep notifies the subject to record their experience at that exact moment and 24 hours later an interview is given based on all the experiences recorded. DES has been used in subjects that have been diagnosed with schizophrenia and depression. It has also been crucial to studying the inner experiences of those who have been diagnosed with common psychiatric diseases.
https://www.gold-pattern.com/en

Articulated thoughts in stimulated situations (ATSS): ATSS is a

Understanding Trading Strategies
A trading strategy includes a well-considered investing and trading plan that specifies investing objectives, risk tolerance, time horizon, and tax implications. Ideas and best practices need to be researched and adopted then adhered to. Planning for trading includes developing methods that include buying or selling stocks, bonds, ETFs, or other investments and may extend to more complex trades such as options or futures.

Placing trades means working with a broker or broker-dealer and identifying and managing trading costs including spreads, commissions, and fees. Once executed, trading positions are monitored and managed, including adjusting or closing them as needed. Risk and return are measured as well as portfolio impacts of trades and tax implications.
توصيات الذهب


The longer-term tax results of trading are a major factor and may encompass capital gains or tax-loss harvesting strategies to offset gains with losses.
Developing a Trading Strategy
There are many types of trading strategies, but they are based largely on either technicals or fundamentals. The common thread is that both rely on quantifiable information that can be backtested for accuracy. Technical trading strategies rely on technical indicators to generate trading signals. Technical traders believe all information about a given security is contained in its price and that it moves in trends.
توصيات العملات

For example, a simple trading strategy may be a moving average crossover whereby a short-term moving average crosses above or below a long-term moving average.


Fundamental trading strategies take fundamental factors into account. For instance, an investor may have a set of screening criteria to generate a list of opportunities. These criteria are developed by analyzing factors such as revenue growth and profitability.
توصيات الاسهم الامريكية



There is a third type of trading strategy that has gained prominence in recent times. A quantitative trading strategy is similar to technical trading in that it uses information relating to the stock to arrive at a purchase or sale decision. However, the matrix of factors that it takes into account to arrive at a purchase or sale decision is considerably larger compared to technical analysis. A quantitative trader uses several data points—regression analysis of trading ratios, technical data, price—to exploit inefficiencies in the market and conduct quick trades using technology.

Special Considerations
Trading strategies are employed to avoid behavioral finance biases and ensure consistent results. For example, traders following rules governing when to exit a trade would be less likely to succumb to the disposition effect, which causes investors to hold on to stocks that have lost value and sell those that rise in value. Trading strategies can be stress-tested under varying market conditions to measure consistency.

Profitable trading strategies are difficult to develop, however, and there is a risk of becoming over-reliant on a strategy. For instance, a trader may curve fit a trading strategy to specific backtesting data, which may engender false confidence. The strategy may have worked well in theory based on past market data, but past performance does not guarantee future success in real-time market conditions, which may vary significantly from the test period.

Read more on :
Https://www.gold-pattern.com/en

Tiny Habits for Better Physical Health
1. Drink a glass of water first thing in the morning. We often don’t get enough water in our systems, and get so busy throughout the day that we don’t think about stopping to replenish our supply. Or we replenish with soda or coffee or tea but not water. Trigger yourself by leaving a big glass out on the counter or table. Or do what I do, and get a big travel mug with a lid. At night, I fill it up with a lot of ice and a bit of water, and in the morning it’s waiting for me: a nice, cool cup of water. Flush the toxins, kickstart your system, wake yourself up
2. Park as far away as you can from the door. Fight the effects of a sedentary lifestyle by getting more steps into your day whenever you can. In fact, simple things like a longer stroll from the car to the door might be more effective than a vigorous work-out at counteracting the effects of long hours at a desk.
3. Eat raw fruit or vegetables with every meal. Think: a green side salad, a slice of melon, some berries, a few carrot sticks and cucumber slices. Not only will you get more nutrients in, you will also be getting in more fiber and potentially helping your body lose weight, retain energy, and decrease hunger.
4. Stand up and stretch every hour, on the hour. Trigger yourself with a beep on your phone or watch (do people still wear those?) or computer. Sitting for extended time periods is a bad idea for both your body and your brain. You need a mental and physical break, and it doesn’t have to be a big deal. Just stop, when your on-the-hour beep sounds at you. Stand up where you are, reach over your head, take a deep breath, touch your toes, roll your shoulders.
5. Carry a small bag of nuts or beef jerky everywhere you go. Something protein-rich will help stave off hunger as well as keeping you from getting to that ravenous point when you’ll eat anything in sight, no matter what the calorie count is. Getting a little more protein in your diet can help boost your metabolism and build your muscle, as well.
توصيات العملات


Tiny Habits for Better Mental Health
1. Ask open-ended questions. Instead of throwing out questions just so you can insert your own opinion, ask bigger, better questions. Avoid asking questions that can be answered with a simple Yes or No. Try questions that start with “What do you think about…?” and “How would you….?” or “What is your experience with…?” Then listen to the answers with the attitude that you are here to learn. Having an open perspective and initiating deeper conversations will help you to relate with others, cultivate empathy, keep your own problems in perspective, make new friends, and learn new ways of approaching life. Imagine the wisdom you would gain in five or ten years if you just have one of these conversations every week.

توصيات الاسهم الامريكية


2. Keep a tray of art supplies out on your table/desk/shelf. Don’t force or even expect yourself to clock in a certain number of minutes or productions. Just keep them out, in reach, so that when you feel like doodling around with something artistic, it is effortless. Bonus points: switch the art medium out every week or month (pastels, crayons, watercolors, ink, clay, playdough, carving knife & wood block).
3. Sit in silence for a few minutes every day. We don’t have to call this meditation, because that might be a little too intimidating. You don’t have to sit cross-legged. You don’t have to close your eyes. You don’t have to be Zen-like in anyway. Your brain can be flying a hundred miles an hour, but don’t say or do anything. Just sit, comfortably, and breathe for a few minutes.
توصيات الذهب

4. Jot down everything on your mind for a few minutes at the end of the day. This is a brain dump in the easiest way possible. It’s not a big deal like a daily journal or to-do list or planner might feel. Keep a simple notebook by the bed, and give yourself a few minutes to pour out everything that’s on your mind before you go to sleep. Don’t edit. Let it all out, in any format, in any order. It doesn’t have to make sense, even to you. Studies show that this type of writing can reduce anxiety and depression. Alternative: use a voice recorder and simply talk, in unedited stream-of-consciousness style, for a few minutes into your recorder.
Read more on : Https://www.gold-pattern.com/en

Customer satisfaction

Despite all the effort and money poured into CX tools by companies, customer satisfaction continues to decline. In the United States, it is now at its lowest level in nearly two decades, per data from the American Customer Satisfaction Index (ACSI). Consumer sentiment is also at its lowest in more than two decades. This negative dynamic in the customer-centric ecosystem in which we now live creates the challenge of figuring out what is going wrong and what companies can do to fix it.

The short answer is that companies need to create an amazing customer experience. Customers no longer only compare companies to their competitors. They compare with the best companies and brands across industries. But satisfaction across the board is in decline! That begs the question: What customer satisfaction areas should companies tackle strategically to create greater profit at lower risk?

توصيات الاسهم الامريكية



We base our answer on research at the ACSI — analyzing millions of customer data points — and research that we conducted for our book, The Reign of the Customer: Customer-Centric Approaches to Improving Customer Satisfaction. For three decades, the ACSI has been a leading satisfaction index (cause-and-effect metric) connected to the quality of brands sold by companies with significant market share in the United States.

Here are the top 10 areas to focus on to satisfy customers and create greater profit at lower risk:

Customer Satisfaction is a Strategic Asset

The American Customer Satisfaction Index defines customer satisfaction as a strategic company asset that should be optimized. Satisfaction should not be maximized but also not ignored; optimization is the key. Companies thrive by delivering on customers’ satisfaction expectations in combination with quality, value, and complaint handling. The focus should then be to manage the optimization of satisfaction relative to customer expectations and company resources used.
توصيات الذهب

It is important to understand this optimization of customer satisfaction since there is a complicated — and ultimately negative — relationship between satisfaction and market share. That is, while high and improving satisfaction in smaller companies drives market-share growth, maintaining high satisfaction once the market share is larger becomes more difficult. This is because with a larger market share typically comes a more heterogeneous customer base and more diverse customer behaviors, which makes delivering high satisfaction more difficult.

Understand What Customers Expect
توصيات العملات



What type of demands do customers have relative to their experiences with companies? Let’s start with the misnomer of sky-rocketing expectations. For the past 12 years, using ACSI data, customer expectations have been relatively steady at the macro level (across industries and companies), scoring between 79 and 82 on a 100-point scale (where 100 represents the highest expectations). Now, companies in the auto industry like BMW, Mercedes, and Toyota, seemingly always have much higher expectations than average (>90) from their customers that they have to manage.

Despite the steady cross-industry expectations, the popular choice for many businesses is to aim higher and higher, and at least to “always exceed customer expectations.” Is this the future trend in customer expectations? Practically, it is a flawed argument since companies should avoid promising to “always exceed expectations,” as attempting such a strategy is not sustainable. Companies can and should delight the customer with an amazing experience but with realistic aims.

Quality Performance Matters

How have customers’ quality perceptions evolved (brands, products, and services)? Important in this context is what constitutes quality. Quality, as measured within the ACSI, refers to reliability and customizability, but customizability dominates reliability as a driver of satisfaction. At the macro-level, for the past 12 years quality has been residing in the 79 to 83 range on a 100-point scale (where 100 is the highest quality). For example, Quaker has impressive scores on overall quality, with BMW and Publix peaking in product and service quality, respectively.

A key issue moving forward is likely to be strategies for improving satisfaction in the absence of gains in perceived quality for many companies. Contrary to what managers often think, quality trumps price. More broadly, quality also trumps value as a driver of customer satisfaction across most economic sectors and industries. Plus, we live in a “mass customization” economy, which is reflected in satisfaction being more sensitive to the personalizability than the reliability of products and services.


https://www.gold-pattern.com/en

Universal Principles in Psychology

Individual differences vs universal principles in psychology is an ongoing issue similar to the nature vs nurture debate. Do psychologists focus on what makes us different or what makes us the same?

Universal principles are behaviors and traits that are true for all humans or all members of a culture or society.

Neuroscientists may focus on what makes us the same, such as specific hormones that prime us for sexual behavior. On the other hand, humanistic psychologists may take a special interest in individual differences, believing that all behavior is a reflection of a person's unique qualities.
توصيات العملات

Individual Differences in Psychology: Strengths and Weaknesses
So what are the strengths and weaknesses of considering individual differences in psychology rather than universal principles? Let's take a look:

Strengths

Weaknesses

Looking at individual differences requires psychologists to consider the whole person when treating mental illnesses, rather than the general characteristics of the disorder. (This is often called a holistic approach)

Understanding individual differences in psychology give us a clearer picture of concepts like intelligence, personality, gender, and memory.

توصيات الذهب

Can help educators learn how to support students who may have fallen through the cracks and need special attention to achieve education goals.

Understanding individual differences can help us pinpoint certain developmental issues or psychological disorders.

Focusing too much on differences can create divisions between groups.

Overemphasis on differences when discussing mental health can make some people feel ostracized or left out.

Can help educators learn how to support students who may have fallen through the cracks and need special attention to achieve education goals.

Risks too much focus on internal factors, giving less credit to external factors.
توصيات الاسهم الامريكية

Individual Differences Psychology - Key takeaways
Individual differences are comprised of our unique characteristics and traits, which distinguish us from others.
Three important ways of measuring individual differences are through observations, controlled lab experiments, and surveys or questionnaires.
Highlighting individual differences in educational psychology can apply to intelligence, learning style, and motivation.
Universal principles are behaviors and traits that are true for all humans or all members of a culture or society.
https://www.gold-pattern.com/
Individual differences help us pinpoint developmental issues and give us a clearer picture of concepts like intelligence, personality, gender, and memory. On the other hand, overemphasis on differences when discussing mental health can make some people feel ostracized or left out.