Apple iPad was launched in market just 3 months back and the new Apple iPhone 4 for just 26 days but due to extensive demand, the supply of Apple went short. The iPad was to be launched in 9 new countries but Apple have put a hold on to it as demands in larger economies are to be catered first as per company policy.

Apple COO Tim Cook said that “the demand supply gap is being balanced to meet the market demands”. He further added that it is a “good sign to go short of supply”,”let Apple iPhone be unique”. He not only meant iPhone 4 but we believe that iPad and iPhone 4 is family.

Since the launch of iPad which had $640 selling price (wifi range) the sales has increased drastically and iPad gave outstanding profits to the company in just 3 months from launch and now it is in short supply. It will be quite the reason for iPhone 4 and iPad to be at peak prices for longer duration. Our correspondent Mike asked Mr. Cook about the Apple iPhone 4 Antenna Problem which was sided by Mr. Cook by saying “We are looking into this matter but frankly let me, Mike”, he added “let me make it very clear that we are selling every single unit we manufacture right now”.

[Source: PCMag]

Apple have seriously shown market capitalization in a short span of time. Apple have shown Q2’s earnings which is lesser than Microsoft’s but Apple claim it will surpass Microsoft in third quarter by $1.5 Billion. Despite Apple iPhone 4 antenna problem, the market capitalization of Apple favored it. Microsoft is expected to report $15.15 Billion revenue whereas Apple expected that it will report only $14.62 Billion but analysts believe that Apple will overtake Microsoft in revenues in third quarter of 2010. Apple is popular for regularly beating consensus reports and estimates by a large margin and actual results always comes above consensus. In previous quarter, Apple beat revenue estimates by $1 Billion which later was calculated as a 36% beat.

The major reason for Apple heading with Microsoft is because of the all new iPad which gave Apple a revolutionary recognition in computing. Goldman Sachs sees iPad destroying netbook market which was very popular couple of years ago. The sales of iPad has also boosted Apple shares in Nasdaq: (aapl) and it is expected to change the dimension of computer usage in future.

View the full AAPL chart at Wikinvest

[Source: Macworld UK]

Gold has witnessed some serious decline this month amid tight economic conditions in States. Gold is currently at $1,176.31 which dropped from $2,157.09, a sharp and unexpected fall. The economic situation has made it easy for investors to invest and make enormous profits from Foreign Exchange market and Stock Market. Euro has recently increased and economists believe that it will continue to rise till the end of September allowing investors to earn 22% profits on investments and therefore very few investments are being done in bullion and gold certificates.

The reason for fall of gold is due to precious metal’s slim demand however Gold miners are positive about the market in Future. Silver have also slipped to 0.8% in single day. The gold prediction in July and August looks bearish as investment opportunities in equities and trade have captured the market. The gold’s drop to eight-week low have already effected many countries regarding economic situation and other gold-backed investment portfolios. Analysts predict that after a short-fall in trade of Gold in the month of July, gold will rise to 11%.

[Source: Kitco]

The news which circulated the market about antenna problem in the new iPhone 4G has pushed apple shares down to almost 1% in single day trading. It is expected that Apple shares will further fall to average 6% effecting the apple share holders. The market analysts reported financiere about the Apple iPhone 3G launch after which the shares market boomed to new extents and Apple became the investors’ favorite.

The iPhone 4G have definite antenna problems which need to be dealt quickly or it is expected that forecast report of apple shares would be bearish. Apple is now on the move to distribute free iPhone 4G casing which will hopefully resolve the reception problems. The NASDAQ saw 22 points addition despite low volume and unexpected NYSE trend. The backup plan for Apple seems to expand iPad market when the company today announced introduction of Apple iPad to 9 countries. It is expected that by the end of this week, Apple shares will come out of its misery by expected .9 mil. iPad sales.

The trading was bearish on Monday amid worries over US economy and job market. It is believed that the world’s largest economy is suffering whereas other figures indicate that China’s economy could also be effected and slowed down.

The NYSE Dow Jones is currently at 9686 points. The British Stock Market FTSE 100 was recorded flat at 4,836.28 whereas Germany’s DAX was recorded at 5,834.21 and France’s CAC-40 was recorded at 3,340.00. Shanghai index was down by the afternoon at 2363 points whereas Nikkie was at 9266 points.

On the other hand, the forex market also witnessed some fluctuation as dollar rose and euro declined. The world forex market will soon go down due to corrections but this process could take a week. The analysts believe that the giant economy is responsible for the recent economic downturns.

FTSE has dropped to nearly 10 month low. The FTSE 100 is currently at 4,790 points and is still predicted to fall but analysts believe that the market will soon recover and will reach to 5,480 points. The matter of fact is that BP shares are on the rise which is not possible for investors to digest. The market falling and the BP shares rising is creating a panic in the market and investors are not sure about the future of the FTSE. The best time considered for new investors to enter market is now because the rates are lower and the shares prices are least. The investment sector should be targeted by previous market data prioritizing the airlines sector, food sector and energy sector. These sectors are predicted to give maximum returns on investments because their portfolio and market history have shown profits previously after decline. Investment in banking sector should be avoided because banks are also pulling their shares away from the market due to declining market and riskier investments.

The forex market is also getting stronger with weaker dollar and soaring pound. The euro currency exchange rate forecast have shown that the eurozone is likely start recover by the end of this month which will also allow the stock market to gain and incline. The future of the UK stock market is blurry and investors are panic-selling their shares which is not advisable at the moment. Pulling out investments from stock market and investing in Gold certificates due to Gold price rise is now attracting investors because they believe that the gold market provides hedge against the sinking stock market.

View the full FTSE chart at Wikinvest

US stocks fluctuates as Citigroup and BP jobless claims have circulated in the market. The jobless claims in US has recently witnessed 13,000 job cuts which is not economic friendly news. Currently at 9,700 points, Dow is expected to fluctuate for another week which will be the best time for investors to analyze the sinking market and buy shares of interest. This will allow them to make profit upto 13% by the end of August. Nasdaq is expected to hit below 2000 points which will be a very critical moment for stock players due to the type of market they are playing in. Nasdaq will not recover by this month because the investment portfolios have not backed the already sinking market. S&P shares are not attracting the new investments because the returns on Dow are far more better than the S&P and the percentage gained from investments measures 7%.

On the other hand, the BP shares forecast have also shown that the market is slightly effected because of BP policies whereas recently the BP shares have been seen rising due to progress in oil spill controlling and capping. The investors have heavily pulled out their shares from BP but company have maintained their employees’ shares not to be pulled out and huge investors have been favoured on investments. Financiere predicted US stock market last month that the market would increase in the month of June. This month the market will fluctuate allowing investors to buy shares with lowest rates possible. The time is not suitable for selling shares because panic selling would further cause market to sink. The US unemployment claims have risen which will further negatively effect the stock market.

View the full C chart at Wikinvest

The recent declining stock and forex markets have increased the gold price. The gold price trend as seen by senior analysts will continue to increase in the month of July and August. Analysts predicted that gold will reach $1261 giving it a 2.2% increase this month. The gold selling have been witnessed around the world in large quantity. Gold in India have seen heavy selling specially gold jewelry which is in demand. The market has yet to be saturated and investors are not interested in gold certificates or bullion because the US and UK stock markets will show progress by the end of July. Gold prices in August will be higher enough for gold investors to sell there gold certificates or bullion and make enormous profit.

Oil prices will also rise this month making energy sector in stock markets more attractive to investors. Gold and Oil is therefore the leading investment tool for players. Gold investments are safest because Gold is subject to market risk but many of the risks associated with gold prices are very different from the risks associated with other assets. There are now investments better than gold but to invest in precious metal means concrete investments. It is also known as hard cash because buyers of shares are comparatively harder to find then the buyers of gold certificates of bullion.

Recently the energy market has witnessed rise in oil prices. The international oil price has reached to almost $3 and is expected to rise in the coming week. Similarly diesel prices have also increased to 5 cents leading it to $3.08. Analysts have confirmed that the future of the energy sector is at stake as energy consumption has increased and BP crises have hit hard the world markets’ energy sector and the losses faced by the company would worsen the market.

On the other hand, the consumers have boycotted the BP stations and protested against the company for its recklessness. The measures taken to clean sweep the oil spill are not enough. Shell, on the other hand said that the deep water drill should be continued to meet the market demands otherwise the oil prices may rise to new extents. The critics say that the price of oil has doubled since Obama took control of the administration which clearly shows that they cannot handle the situation properly.

To apply for personal loans can be a difficult task if you have not planned it properly. The first question you need to ask yourself is why do you need a loan for? What is the purpose behind the loan? How will you pay back the loan? All these questions should be addressed first and a proper homework is required because people generally have no idea behind the loan and they involve themselves into financial trouble which is later hard to pay back.

The second most common factor which effects the personal loan is “credit history”, the better the credit history, the lower the rates of personal loans. For those with bad credit history should read out previous articles – Bad Credit History: Apply for Immediate Personal Loans. It might be possible that you applied for a loan and it has been rejected which is very common now a days as the credits department in banks and financial institutions are playing financial savvy these days due to economic congestion. There might be many reasons for loan rejection but your main focus should be a positive approach towards the lender.Following are the ways you can apply for personal loans;

1. Social Lending

Also known as peer 2 peer lending, allows the borrowers to acquire personal loans from lending clubs. Prerequisites for acquiring a loan from lending clubs include; the borrower must be a US resident, the borrower needs FICO score to be atleast 600 and last but not the least your debt to income ration (excluding mortgage) should be below 22%.

What you get out of this is extreme low interest rates and the debt management process is quite faster than normal processes. It only have some strict requirements for borrower and good credit history is a must.

2. Credit Cards

The most easiest way to get personal loans with lowest interest rates are considered to be credit cards but that is just not true. Getting credit card can be a source of immediate cash but will push you into a debt cycle which is not suitable for those who go easy with repayments on time. It can be a daunting task for those who have a bad credit score. There are 10 ways on how to improve your credit score. It had been observed that people using credit cards are trapped in debt and could not quit the card habit which is digging a bad credit history for them. The best option available is to use DEBIT card which only have very minimal amount of transaction and service charges.

3. Banks and Financial Institutions

If you have a good relations with your current bank and you have a good credit score  then you can apply for loan in the very bank you already know. Remember, not to apply for loans when you have a bad credit history. Consult our Credit Repair Guide for bad credit score and bad credit history. After you come clean on your history, you may talk to the bank for various ways on how to get personal loans with lowest interest rates. There are two general options you have with interest rates, Fixed and Variable. It is highly recommended that you go for the fixed interest rates for personal loans. There are many effects of bad credit history therefore you should never let your credit score down and the payments should be made on time otherwise you won’t be able to apply for loans next time.