Monday, April 27, 2015

Top Budgeting Apps for Android and IOS

These days there are apps to save your time. Whether you are in debt or saving money for a specific goal, you can try the budget apps which help you to reach your financial goals. Listed below are some of the top apps. Personal Finance 

This is the app that received so much acclaim due to the easy controls and saving time. apps connect to all of your accounts immediately and you can check the net position quickly. You can categorize your spending, check balances, pay bills and check your budget. You can set reminders for low account balance and upcoming payments notifications. You can sync your laptop, android phone and tablet, which can be later, changed and remove from the settings if you lose them. It is free and available with iTunes and Google play store.

Easy Envelope Budget Aid 

This is a high end app that is used for tracking your regular and irregular expenses. You record your spending and the app maintains the total. You can every time check the balance before spending. There is no need of adding your bank accounts and make it risk. The data is stored online and there is fear of data loss, you can get back the data whenever you want. The app is synced with all devices, so you can maintain it easily. It is available free from iTunes and Google play store.


This app is formerly called as EEBA; this is great app to start with which is based on cash flow. The money can be allocated and put into envelopes similar to actual envelopes every month which is old fashioned and easy. You can understand the spending habits in every area of your life. The timeframes can be changed accordingly to every month or week or monthly or every two weeks. You can also track at irregular times when the spending is not routine. This is a free app, available for both android and IOS devices.


The app starts with few questions about your financial goals. You can sync up your bank accounts, which are very secure.  It is not for short term and doesn’t work like a financial planner or advisor but it guides you about money. You can sync many bank accounts after several rounds of email confirmations. It works directly with the financial institution tracking every credit and debit transactions just like Mvelopes.

After the syncing process, it functions much similar to GoodBudget. It uses the envelope system and you need to define the income and a fixed budget has to be allotted before spending the same. This way you get to know who much money you have in your account and the reasonable budget you maintain for the same. You are now spending the money on your budget rather than the actual net income. This is a free app available for Android and IOS.

Bill Guard

Bill guard is the new budget app, which helps you understand your spending habit and protects you from unauthorized transactions. First you need to sync your bank account, after you had done that. You can quickly see your total balance and amount you have spent this month. The goals set by the app are correct and true to the needs of the users.
Swipe right if you made a transaction and swipe left if you didn’t make it. It stays there actually.  Your inbox would show emails when you have made transactions. If you swipe left, the pop up screen appears with the following (Help me, report/contact, follow up later)
Choose the last option, when you don’t have time or busy at the moment. After you had made any transaction. You can see in the all tab and the transactions listed with merchant name, type of purchase, date, amount spent. This app is free for Android and IOS.

Pocket Expense

This app gives you a visual outlook on your spending and you can track your spending. You can create your fixed budget. This app however does not sync with the bank accounts, you should manually enter all the transactions. You can check your savings and enter how much you want to spend from there. The credit numbers are shown in green, while the debts and expenses are shown in red. You can also add multiple accounts and check them quickly. You can look the expenses per day, per week, month or any time. This way you can check your spending breakdown. This app is free and can be downloaded for Android and IOS.


This app is superb; it is clear and easy to navigate. The home screen displays the dollar amounts, accounts, budget, income and expenses. The expenses are displayed as a percentage of income with total balance and color coded, which is easy to understand. This app is easy to navigate unlike the other apps. Payees search and reports are the three tabs you could see at the end of the screen.
This is much helpful for the freelancers by entering the client name along with the date or description. You can look at the reports table if you want further information. You can check month to month spending, accounts and budgeting. If some people are paying your regularly you can add them to the payees section. The search option in the app is truly amazing, you can quick search something whether it is a check or a client you forgot the details of the same. Just search the client name and you will get a pop up message. There are two versions of this app for android and IOS. The elite version is free and the IOS version is 5.99$

Tuesday, April 21, 2015

Making money in stocks ( investor way)


Today i found a new method to invest stocks.  Most wealthy people invest in stock market, they want to get rich. Well everyone’s motto is the same. Unlike the day traders and the weekly traders, the investors try to get rich slow and steady. Investing in stocks gives you huge wealth, independence and financial security in the long run. Whether you have started or not, you should know how to manage funds easily and stress free.  Managing funds can be headache and tiring process, try to be smart and follow simple methods for success. You need to understand how stock market works and how money is going around in stock market. We will see some of the basic steps and important method which is more practical in making money through stock market.

Do you have a wishlist?
Write down a list of things you want to achieve from trading stocks.  Keep the priorities first and plan other things for later. Choose which one to do first when it comes to purchasing. What do you want to do when you retire?  How much money will you need  when you are in the 50s?? this is otherwise called the secret wishlist!  Your dreams may be very big, but follow simple steps at every point of life and keep moving to achieve your goal. This clears the first step!!

How much can you risk?
Always risk the amount of money which you can afford or which you can repay at some time.  And do not put all the money in the same stock. Be diversified and start making gains. When you put all the money in the same basket, there is a risk of money losing your money .  it is a high risk and high reward situation.
Don’t be greedy
Don’t be greedy , this is the third step.  Fear and greed are the two emotions in the stock markets. Most people want to get rich overnight, it doesn’t happen so quick. It takes a lot of time and practice.  You need analyze and be intuitive about where the prices would go. In short, you must understand the price action of the stock market better and make money.

These are the basic information , I want to share with you, which you already know better. On the other hand, I want to provide you a practical method for investing in stocks.  This method is to get 5% profits  or more and the period ranges from one month to six months.  It includes three steps
1.       Identify the first 52 week high breakout
2.       Check if macd divergence is positive
3.       Make  fundamental analysis of the stock

Iam  a trader and investor . I will give an example explaining the same. You can use google finance for easy identifying of the stocks.  Check the stocks that have make 52 week high today , you can find it from many websites like nseindia, moneycontrol, et markets etc.,

This breakout or high should be the first in this year, if you are looking for the year 2015 , check the high of 2014 and compare. Find the below chart for better understanding. The stock had a high of 64.20 in 2013 and  in the month of june, the stock broke the year high. ( first breakout !!! which is more important)

We have completed the first step and we move to the second step, checking the macd divergence.
When the macd divergence is positive  and the stock is above 52 week high for the first time, you can consider buying this stock and invest for months in this stock.

After the second step, you are now ready to check the stock whether it is fundamentally strong. I am new to fundamental analysis but  you can check whether the debts are less and earnings per share is more. Last quarter results are good and next quarter results . similar like that, you can try the fundamental analysis for the selected stock,This would help you earn more money and happy investing !

Thanks for reading !!  Have a nice day !!

Resistance and Support Afl amibroker

After months of hardwork, I was able to find this  code, You can use it to find the Resistance and Support of any timeframe in Ambroker. This can be used in weekly timeframes to pick weekly stocks for short term trading.  These levels are also called as the demand and supply zones. I will update in another post about how to pick stocks for weekly timeframes using this amibroker formula.

thanks for reading : )

thanks to original creator of this afl : )

_N(Title = StrFormat("{{NAME}} - {{INTERVAL}} {{DATE}} Open %g, Hi %g, Lo %g, Close %g (%.1f%%) {{VALUES}}", O, H, L, C, SelectedValue( ROC( C, 1 ) ) ));
Plot( C, "Close", ParamColor("Color", colorDefault ), styleNoTitle | ParamStyle("Style") | GetPriceStyle() );
#pragma nocache
// Commentry output ....
AudioAlert = ParamToggle("Audio Alert", "On|Off");
Print_SR = ParamToggle("Sup / Res", "On|Off");

Text_Display = ParamToggle("Alert Messages", "On|Off"); // Display Alert messages on Chart.

_SECTION_BEGIN("DT /DB Parameters");
DT_DB_Sens = Param("Sensitivity % ", 0.15, 0.1, 2.0, 0.05);
DT_DB_Range = Param("How Many Periods ?", 14, 2, 200, 1);

_SECTION_BEGIN("S / R Parameters");
Sensitivity = Param("Sensitivity",32,0,100,1);

DisRange = Param("Plot 'far away' Lines Trigger",300,0,1000,20);
Color_SL= ParamColor("Support",colorLime);
Color_RL= ParamColor("Resistance",colorRed);
MACD_Buy = Cross( MACD(),Signal() );
MACD_Sell = Cross(Signal() ,MACD());

NewDay = Day()!= Ref(Day(), -1);

DH = HHV( H, NewDay);
DL =  LLV(L, NewDay);
rsiDH = HHV( RSIa(H, 14), NewDay); //param 14
rsiDL =  LLV(RSIa(L, 14), NewDay);
RSI_Parameter = Param("RSIA PARAM",15,8,20,1);
////// RSI Day high / low detection ////
RSIBull1 = (L < Ref(dl, -1) AND RSIa(L, RSI_Parameter) > Ref(RSIdl, -1)) OR
           (L > Ref(dl, -1) AND RSIa(L, RSI_Parameter) < Ref(RSIdl, -1)) ;
RSIBear1 = (H > Ref(dh, -1) AND RSIa(H, RSI_Parameter) < Ref(RSIdh, -1)) OR
           (H < Ref(dh, -1) AND RSIa(H, RSI_Parameter) > Ref(RSIdh, -1));
RSIburev = BarsSince(RSIbull1);
RSIberev = BarsSince(RSIbear1);

CCI_Periods = Param("CCI Periods",32,10,50,1);

bear_CCI = (CCI() >Ref( HHV(CCI(), CCI_Periods), -1)   AND H < Ref(HHV(H, CCI_Periods), -1)) OR
             (CCI() < Ref( HHV(CCI(), CCI_Periods), -1)   AND H > Ref(HHV(H, CCI_Periods), -1));

bull_CCI = (CCI() > Ref( LLV(CCI(), CCI_Periods), -1)   AND L < Ref(LLV(L, CCI_Periods), -1)) OR
            ( CCI() < Ref( LLV(CCI(), CCI_Periods), -1)   AND L > Ref(LLV(L, CCI_Periods), -1));
Sbullcci = BarsSince(bull_CCI);
Sbearcci = BarsSince(bear_CCI);

BeReversal = ( Close >= HHV( Close, 18 ) AND RSI(14) < HHV( RSI(14), 18 )) ;
BuReversal = ( Close <= LLV( Close, 18 ) AND RSI(14) > LLV( RSI(14), 18 ));
BeReversal1 = ( RSI(15) <= LLV( RSI(14), 14) AND Close > LLV(Close,14));
BuReversal1 = ( RSI(15) >= HHV( RSI(14), 14 ) AND Close < HHV( Close, 14 ));

NewBeReversal = ( H >= (Ref(HHV( H, 24 ), -1)+1) AND (RSIa(H, 24) < (HHV( RSIa(H, 24), 24 )) - 2));
NewBuReversal = ( L <= (Ref(LLV( L, 24 ), -1)-1) AND (RSIa(L,24) > (LLV( RSIa(L,24), 24 )) + 2));
Confirm_BeReversal = Ref( NewBeReversal, -1) AND H <= Ref(H, -1);
Confirm_BuReversal = Ref(NewBuReversal, -1) AND L >= Ref(L, -1);
since_BeReversal = BarsSince(BeReversal);
since_BuReversal = BarsSince(BuReversal);

since_Confirm_BeReversal = BarsSince(Confirm_BeReversal);
since_Confirm_BuReversal = BarsSince(Confirm_BuReversal);

sinceOverBought = BarsSince(RSI(14) > 65);
sinceOverSold = BarsSince(RSI(14) < 35);

TR2=IIf(ST33<30 AND TR1>0 AND Ref(TR1,-1)==0,Ref(ST33,-1),0);
vs=ValueWhen(tr2, Ref(st33,-1), 1);
vc=ValueWhen(trc, LLV(C,3), 1);
diver=IIf(dvs>0 AND dvc<0,30,0);
DD=IIf(DAS<20 AND C>=Ref(C,-1),DIVER,0);


BTR2=IIf(ST33>70 AND BTR1>0 AND Ref(BTR1,-1)==0,Ref(ST33,-1),0);
Bvs=ValueWhen(Btr2, Ref(st33,-1), 1);
Bvc=ValueWhen(Btrc, HHV(H,3), 1);
Bdiver=IIf(Bdvs<0 AND Bdvc>0,90,0);
Bddd=IIf(BDAS<20 AND C<=Ref(C,-1),BDIVER,0);
sinceSTBULL = BarsSince(STBULL);
sinceSTBEAR = BarsSince(STBEAR);

Hist = MACD()-Signal();
macdBeReversal = ( H >= (Ref(HHV( H, 14 ), -1)+2) AND (Hist < (HHV( Hist, 14 )) - 2));
macdBuReversal = ( L <= (Ref(LLV( L, 14 ), -1)-2) AND (Hist > (LLV( Hist, 14 )) + 2));
Confirm_macdBeReversal = Ref(macdBeReversal, -1) AND H <= Ref(H, -1);
Confirm_macdBuReversal = Ref(macdBuReversal, -1) AND L >= Ref(L, -1);

PlotShapes(shapeHollowSmallSquare  * MACD_Buy, colorGreen, 0, L, -5);
PlotShapes(shapeHollowSmallSquare * MACD_Sell, colorDarkRed, 0, H, 5);

PlotShapes(shapeHollowSmallCircle  * BuReversal, colorGreen, 0, L, -5);
PlotShapes(shapeHollowSmallCircle * BeReversal, colorRed, 0, H, 5);
PlotShapes(shapeSmallCircle  * BuReversal1, colorGreen, 0, L, -5);
PlotShapes(shapeSmallCircle * BeReversal1, colorRed, 0, H, 5);
PlotShapes(shapeSmallCircle  * Confirm_MacdBuReversal, colorDarkGreen, 0, L, -4);
PlotShapes(shapeSmallCircle * Confirm_MacdBeReversal, colorDarkRed, 0, H, 4);
PlotShapes(shapeStar  * confirm_BuReversal, colorDarkGreen, 0, L, -11);
PlotShapes(shapeStar * Confirm_BeReversal, colorRed, 0, H, 11);
PlotShapes(shapeSmallSquare  * STBULL, colorBlue, 0, L, -15);
PlotShapes(shapeSmallSquare * STBEAR, colorRed, 0, H, 15);

Plot( MA( C, 21 ), _DEFAULT_NAME(), ParamColor("Color", colorBlack ),1+ 4096+styleNoTitle );

//per1 = SelectedValue(Sensitivity *SelectedValue(0.2*uIV_AVG30));
per1 = 1;
per2 = SelectedValue(per1 * 3);
Tp1 = TroughBars(L,per1,1) == 0;
Pp1 = PeakBars (H,per1,1) == 0;
Tp2 = TroughBars(L,per2,1) == 0;
Pp2 = PeakBars (H,per2,1) == 0;

XT1 =SelectedValue(ValueWhen(Tp1,x,1));
XT2 =SelectedValue(ValueWhen(Tp1,x,2));
XT3 =SelectedValue(ValueWhen(Tp1,x,3));
XT4 =SelectedValue(ValueWhen(Tp1,x,4));
XT5 =SelectedValue(ValueWhen(Tp1,x,5));
XT6 =SelectedValue(ValueWhen(Tp2,x,1));
XT7 =SelectedValue(ValueWhen(Tp2,x,2));

XP1 =SelectedValue(ValueWhen(Pp1,x,1));
XP2 =SelectedValue(ValueWhen(Pp1,x,2));
XP3 =SelectedValue(ValueWhen(Pp1,x,3));
XP4 =SelectedValue(ValueWhen(Pp1,x,4));
XP5 =SelectedValue(ValueWhen(Pp1,x,5));
XP6 =SelectedValue(ValueWhen(Pp2,x,1));
XP7 =SelectedValue(ValueWhen(Pp2,x,2));

T1 = SelectedValue(ValueWhen(Tp1,L,1));
T2 = SelectedValue(ValueWhen(Tp1,L,2));
T3 = SelectedValue(ValueWhen(Tp1,L,3));
T4 = SelectedValue(ValueWhen(Tp1,L,4));
T5 = SelectedValue(ValueWhen(Tp1,L,5));
T6 = SelectedValue(ValueWhen(Tp2,L,1));
T7 = SelectedValue(ValueWhen(Tp2,L,2));

P1 = SelectedValue(ValueWhen(Pp1,H,1));
P2 = SelectedValue(ValueWhen(Pp1,H,2));
P3 = SelectedValue(ValueWhen(Pp1,H,3));
P4 = SelectedValue(ValueWhen(Pp1,H,4));
P5 = SelectedValue(ValueWhen(Pp1,H,5));
P6 = SelectedValue(ValueWhen(Pp2,H,1));
P7 = SelectedValue(ValueWhen(Pp2,H,2));

breakout_lasttrough_G1 = Cross(T1,C);
breakout_lasttrough_G2 = Cross(T6,C);
breakout_lastpeak_G1 = Cross(C,P1);
breakout_lastpeak_G2 = Cross(C,P6);
bu_breakout = Cross(C,P1) OR Cross(C,P6);
be_breakout = Cross(T1,C) OR Cross(T6,C);
break_G1_val = IIf(breakout_lasttrough_G1,-1,IIf(breakout_lastpeak_G1,1,0));
break_G2_val = IIf(breakout_lasttrough_G2,-1,IIf(breakout_lastpeak_G2,1,0));

Vis_percent =DisRange*SelectedValue(MA(abs(ROC(C,1)),10));
pR = (Vis_percent/100) + 1;
nR = ((100-VIS_percent)/100);
lC = SelectedValue(C);
RT1 = T1<PR*LC & T1>nR*LC;
RT2 = T2<PR*LC & T2>nR*LC;
RT3 = T3<PR*LC & T3>nR*LC;
RT4 = T4<PR*LC & T4>nR*LC;
RT5 = T5<PR*LC & T5>nR*LC;
RP1 = P1<PR*LC & P1>nR*LC;
RP2 = P2<PR*LC & P2>nR*LC;
RP3 = P3<PR*LC & P3>nR*LC;
RP4 = P4<PR*LC & P4>nR*LC;
RP5= P5<PR*LC & P5>nR*LC;
RT6= T6<PR*LC & T6>nR*LC;
RT7= T7<PR*LC & T7>nR*LC;
RP6= P6<PR*LC & P6>nR*LC;
RP7= P7<PR*LC & P7>nR*LC;

AnZ= T1==0 & T2==0 & T3==0 & T4==0 & T5==0 & T6==0 & T7==0 & P1==0 & P2==0 & P3==0 & P4==0 & P5==0 & P6==0 & P7==0;

LastBar = Cum(1) == SelectedValue(Cum(1));

Plot(IIf(x>=XT1 & RT1 &NOT T1==0,T1,-1e10),"T1",colorBlue,1 + 2048+styleNoTitle);
Plot(IIf(x>=XT2 & RT2 &NOT T2==0,T2,-1e10),"T2",IIf( SelectedValue(C)<T2,Color_RL, Color_SL ),1 + 2048+styleNoTitle);
Plot(IIf(x>=XT3 & RT3 &NOT T3==0,T3,-1e10),"T3",IIf( SelectedValue(C) < T3 , Color_RL, Color_SL ),1 + 2048+styleNoTitle);
Plot(IIf(x>=XT4 & RT4 &NOT T4==0,T4,-1e10),"T4",IIf( SelectedValue(C)<T4,Color_RL, Color_SL ),1 + 2048+styleNoTitle);
Plot(IIf(x>=XT5 & RT5 &NOT T5==0,T5,-1e10),"T5",IIf( SelectedValue(C)<T5,Color_RL, Color_SL ),1 + 2048+styleNoTitle);

Plot(IIf(x>=XP1 & RP1 &NOT P1==0,P1,-1e10), "P1" ,colorBlue,1 + 2048+styleNoTitle);
Plot(IIf(x>=XP2 & RP2 &NOT P2==0,P2,-1e10), "P2" ,IIf( SelectedValue(C)<P2,Color_RL, Color_SL ),1 + 2048+styleNoTitle);
Plot(IIf(x>=XP3 & RP3 &NOT P3==0,P3,-1e10), "P3" ,IIf( SelectedValue(C)<P3,Color_RL, Color_SL ),1 + 2048+styleNoTitle);
Plot(IIf(x>=XP4 & RP4 &NOT P4==0,P4,-1e10), "P4" ,IIf( SelectedValue(C)<P4,Color_RL, Color_SL ),1 + 2048+styleNoTitle);
Plot(IIf(x>=XP5 & RP5 &NOT P5==0,P5,-1e10),"P5",IIf( SelectedValue(C)<P5,Color_RL, Color_SL ),1 + 2048+styleNoTitle);

Plot(IIf(x>=XT6 & RT6 &NOT T6==0,T6,-1e10),"T6",IIf( SelectedValue(C)<T6,Color_RL, Color_SL ),8 + 2048+styleNoTitle);
Plot(IIf(x>=XT7 & RT7 &NOT T7==0,T7,-1e10),"T7",IIf( SelectedValue(C)<T7,Color_RL, Color_SL ),8 + 2048+styleNoTitle);
Plot(IIf(x>=XP6 & RP6 &NOT P6==0,P6,-1e10),"P6",IIf( SelectedValue(C)<P6,Color_RL, Color_SL ),8 + 2048+styleNoTitle);
Plot(IIf(x>=XP7 & RP7 &NOT P7==0,P7,-1e10),"P7",IIf( SelectedValue(C)<P7,Color_RL, Color_SL ),8 + 2048+styleNoTitle);

breakout_lasttrough_G1 = Cross(T1,C);
breakout_lasttrough_G2 = Cross(T6,C);
breakout_lastpeak_G1 =   Cross(C,P1);
breakout_lastpeak_G2 =   Cross(C,P6);
bu_breakout = Cross(C,P1)  OR  Cross(C,P6);
be_breakout = Cross(T1,C)  OR  Cross(T6,C);
break_G1_val = IIf(breakout_lasttrough_G1,-1,IIf(breakout_lastpeak_G1,1,0));
break_G2_val = IIf(breakout_lasttrough_G2,-1,IIf(breakout_lastpeak_G2,1,0));
MAV_Value1 =ROC(Volume);
C1 = Ref(Close,-1);
O1 = Ref(Open,-1);

Longcandle = abs (C - O)>= 3 * abs (C1 - O1);
Volumecolor = IIf(MAV_Value1 > 3 AND C > O, colorGreen,IIf(MAV_Value1 > 3 AND C < O, colorRed,
IIf(MAV_Value1 > 1.2, colorBlue, IIf(MAV_Value1 > 0.8, colorLightBlue,  colorWhite))));
Plot( 1, "", Volumecolor, styleArea | styleOwnScale | styleNoLabel, -0.1, 25 );
x = (MAV_Value1 > 3 OR MAV_Value1 > 1.2 OR  MAV_Value1 > 0.8) AND MA(V,10)>100000 AND Close>50 ;
bf = Ref(HHV(MAV_Value1, 6), -1) < 1.1;
Buy1 = GapUp() AND bu_breakout AND x AND NOT Longcandle ;
Sell1= GapDown() AND be_breakout AND x AND NOT Longcandle;
Buy =  ((bu_breakout AND x AND NOT Longcandle ) OR Buy1) AND MACD()>Signal() AND C>O AND (C-O) > C*0.0012;
Sell =  ((be_breakout AND x AND NOT Longcandle) OR Sell1) AND MACD()<Signal() AND C<O AND (C-O) > C*0.0012;
Buy = ExRem(Buy,Sell);
Sell = ExRem(Sell,Buy);

Filter = Buy OR  Sell ;// OR Buy1  OR Sell1 ;

PlotShapes(IIf(Buy, shapeSquare, shapeNone),colorGreen, 0, L, Offset=-40);
PlotShapes(IIf(Buy, shapeSquare, shapeNone),colorLime, 0,L, Offset=-50);                    
PlotShapes(IIf(Buy, shapeUpArrow, shapeNone),colorWhite, 0,L, Offset=-45);
PlotShapes(IIf(Sell, shapeSquare, shapeNone),colorRed, 0, H, Offset=40);
PlotShapes(IIf(Sell, shapeSquare, shapeNone),colorOrange, 0,H, Offset=50);                    
PlotShapes(IIf(Sell, shapeDownArrow, shapeNone),colorWhite, 0,H, Offset=-45);


camarilla equation

Hi readers,

Its been a longtime I updated by blog. today we will understand about the camarilla equation. I will be providing you a excel sheet to use the camarilla equation and understand it better. No method is 100 percent accurate but you can use these values when you dont have a proper charting software like amibroker or metastock.  you need to understand the concept behind trading the camarilla equation and be intuitive when you take up a trade.

mechanical trading+ intuition = 90% success

thanks for reading and happy trading!! 

What you should know about Crypto Investing ? - Press Release

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