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]

Pound sterling hit to a seven-week low against Euro and it is expected that the trend will continue till the week-end. The Euro has been sharply rising since last Friday against major currencies and it has been predicted by our financial analysts that Euro will keep on rising till the month of September. The forecast for euro currency exchange rate is positive and investors will benefit from the upward market trend of Euro. “Euro will never crash or come to an end”, says Ferell Johnson, Cheif Executive of Universal Exchange. Traders have witnessed heavy movements in euros which drove the pound down and euro up. The dollar rose to 0.4 percent to $1.5226 against sterling which gave stability to greenback. The Euro is currently traded at $1.29. Heavy euro trading has been recorded after the news of euro currency rise, forcing forex investors to head for eurozone instead of sterling. The former President of Oxbridge has commented saying the pound fall is forced by the U.K. Govt. to increase euro trade, the second reason for pushing pound down is to create a hedge against euro for long term investments therefore the new investors are advised to buy pound sterling if they seriously want to trade and earn more than 20% profits.

The Euro currency exchange rate rose against U.S. Dollar Thursday, after frequent stock fluctuation. The market has again showed Euro investors hope that Euro will recover to new extents and this time profiting to almost 23.5%. “The currencies are following the fluctuation in the equity market and setting up the market trend for itself”, said Fabian Elision, head of U.S. currency sales at ASZ Financial Group Inc.

It is believed that the growth of euro is due to Fitch Ratings which confirmed its stable outlook for Spain. The euro increased 0.4 percent to $1.2895 in New York from $1.2724. The euro was traded at 112.62 yen. The prediction for Euro currency exchange rate by our financial expert came to be true as the trend followed by the market was posted on 29th of June 2010.

Investors are now scrambling to buy eurozone bonds as it is expected to climb and will effectively profit investors in the coming months of August and September. The euro equity markets have also functioned slowly for the last 6 days which improved the rating of euro because of heavy trading and investments

Oil prices rose to nearly $73 a barrel in Asia and similar effects were seen in stock market and euro exchange rate. The euro advanced to $1.2594 from $1.2537. The euro will continue rising till the end of August and then it will be the most suitable time for investors to sell their euros and earn more than 20% profits.

Generally, the investors around the world follows the equities trend for their investments. For them, the euro rise and a dollar fall is quite a good news because now the crude oil will be cheaper for European exchange carriers.

It is very much expected that from now on the oil prices and stock markets will rise allowing investors to relax and earn profit. The energy sector and food sector of stock markets would drastically rise because of the demand from the emerging economies of the world. The crude oil has also seen rise in sales and since the demand is rising, the prices are expected to move up.

Price of gold have been fluctuating since the last month as gold demand is sought in the market of China and Australia. The government of China is urging its people through television ads to buy bullion as safest investments. The strategy behind China’s policy is to let it’s people have secured and most profitable investments for future. Similarly, business groups and middle-class people in Australia are now shifting their investments and security bonds in to gold because gold provides hedge against currencies and investments.

The gold was traded lower in New York (Dow) but this trading have not stopped the precious metal to maintain it’s strength as analysts believe that as soon as the market will reopen, the gold prices will rise. The world stock markets are seen in doldrums but investors are not ready to switch to safe heaven. The gold demand in India also slightly rose and the banks of Myanmar were noticed purchasing bullion. “The drop in price of gold left fewer people attractive towards gold”, said Bob Hopkins, senior market strategist serving for Links-Waldock, Chicago. Analysts believe that the drop is just part of fluctuation and the gold price forecast is seen as inclining. This is the time to sell gold coins, gold certificates, bullion or gold jewelry or what ever form of gold could be sold because sooner the stock markets such as NYSE, FTSE, Nikkie etc. will recover and gold prices will drop down rapidly. The investors might move towards gold but it is not advisable to leave the stock markets and enter bullion. The right investors are now selling gold and buying shares rapidly. By the end of this year, the gold prices will rise again because a crash in stock markets is expected due to economic downturn in European countries.

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.

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.

Investments that are exempted from tax are called Tax-free investments. There are two types of tax-free investments namely fixed tax and variable tax. In fixed investments, the investor is assured with the surety of return of the sum on maturity. In a variable investment, the value of the amount varies according to the luck and marketability of the original shares in a meticulous plan.

Generally, the tax-free investment term is used in markets where stock piling is usual and the rates of return are higher and tax-free. But what about those who doesn’t run a gas station or a grocery store, for them the there are multiple options; they first have to figure out that what type of taxes are applied in their country and on what savings or investments. This is the basic information one needs to know.

The second step includes categorizing the tax-free investment sectors. Generally, around 80% of countries doesn’t apply tax on sitting gold assets whereas taxes may apply on gold certificates or gold funds in some countries.

The second most common tax-free investment type is property. You must be thinking of property tax now, the math is simple, there are undeveloped areas in every country which offers lands in the suburbs or up-country. That is the second best investment opportunity for those who wants to invest and pay very minimal or no taxes at all.

The third option which gives good returns on investments are infact stock piling because buying in bulk and stocking up during sales saves you money. Ever wonder why those huge supermarkets have stocks ready all the time? Its because they invest in bulk buying and then stocks them up to boost up profits. They are the ones who make more money even after paying some taxes.