Christina Pomoni

Christina Pomoni

Knowledgeable professional with 5+ years experience in Financial Analysis and 3+ years experience in Portfolio Management. Has worked as an Equity Research Associate and Investment & Insurance Advisor. Has provided management support in several companies and has dealt with a variety of different projects. Experienced Business and Finance writer in U.S & UK based online publishers, holding an MBA Finance with High Distinction from the American College of Greece. Has modeled Financial Plan (2007) and Capital Budget Template (2011). Has written over 70 academic projects for the University of Phoenix. Has lived in Chicago, IL, USA and Boca Raton, FL, USA as part of personal and professional development.
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  • First Notice App on ITunes, a Great Help Kit for Futures & Options Traders
    First Notice App for Futures & Options traders is a great calendar app that can notify you about anything that goes on in the Finance world, globally, in real time.
  • Book Review: 'Miro the Dragon' by Theresa Berg
    “Miro the Dragon” teaches important lessons such as the importance of friendship, of trust, of creativity, of reward, of teamwork and of acknowledgment. It also teaches how important it is to get over our fears and to find the strength to start over.
  • How to Select Property Insurance
    Property insurance can be against specific perils or multiple-perils. When you assess the type of property insurance for your business, make sure to evaluate the cost/benefit relationship between the premium paid and the coverage offered.
  • Failing Business Practices that Can Raise Your Business Insurance Premiums
    As a business owner you need to comply with the laws and effectively implement practices that are valid in your state to be eligible for premium discounts. Otherwise, you will be required to pay higher premiums.
  • Your Occupation Can Determine Your Auto Insurance Premium
    Auto insurance coverage is assessed based on a careful analysis of several factors, including your occupation. The riskier your occupation, the higher your auto insurance premium as the risk of getting involved in a car accident is higher.
  • Why You Should Avoid Salvage Title Vehicles
    You may find yourself buying a clean vehicle in a national auction only to find out later than its actual value is 70 percent lower than the value of similar models due to serious structural and mechanical defects and a salvage title attached to it.
  • FAQs About Auto Insurance and Natural Disasters
    Sustaining damages from a natural disaster can be really frustrating. However, if you have the right auto insurance policy you can be sure to get the best coverage at the lowest premium.
  • Things to Consider when Driving Abroad with a U.S. License
    Before traveling abroad with your U.S. registered vehicle make sure to meet the minimum requirements in the foreign country and to obtain the required documents.
  • Consequences of Driving Without Insurance
    If you drive without insurance, and you cause bodily injuries or property damages to third parties, you may put yourself in a financially compromising situation. You could face monetary fines, legal penalties or even jail time.
  • 7 Great Auto Insurance Discounts You May Be Missing Out On
    By sticking to your old insurer, you may be missing out on great auto insurance discounts. Low-mileage, safe driver, anti-theft device, safety features, multi-policy, good credit rating and full premium paid are great auto insurance discounts to consider.
  • How Car Safety Ratings Can Lower Your Insurance Rate
    If your car lacks safety features, the risk undertaken by your car insurer increases and as a result you are charged with a higher car insurance premium. In other words, the safer your car is, the lower your car insurance premium.
  • How to Determine If You Need Commercial Auto Insurance
    The need for commercial auto insurance includes certain types of vehicles and their regular use. Also, you need to check if your personal auto insurance excludes particular activities to ensure coverage in case of an accident with a commercial vehicle.
  • Top Auto Insurance FAQs
    How car insurance premiums are determined? Why having a low deductible is not to your best interest? How can filling a claim increase your car insurance premium? Now is the time to know how car insurance works.
  • Benefits of Shopping Around for Car Insurance
    Even if you are almost certain that your current insurance policy is the best possible deal, by shopping around for car insurance you may get better coverage at a lower premium and adjust your insurance policies accordingly.
  • Can Getting Married Lower Your Auto Insurance Premium?
    There are several reasons that getting married can lower your auto insurance premium, including less car mileage, discounts on multi-car insurance plans and the fact that married people are considered more responsible.
  • How to Find New Clients for a Small Business
    To grow your small business in today's competitive business environment, you need to build strong customer relationships. Most importantly, you should find effective ways to retain new customers by constantly meeting customer needs.
  • Effective Networking Strategies for a Small Business
    Networking is fundamental to the success of your small business. Building up a network of different contacts can enhance your business exposure by covering a broader spectrum of interests and cutting across geographical boundaries.
  • How to Secure Your Small Business Loan
    Financing a small business requires a lot of consideration. Many small business owners choose small business loans, or SBAs.
  • Should You Buy Term Life Insurance?
    Aiming to provide temporary life insurance protection for a fairly low initial premium, term life insurance can cover short-term needs on a limited budget and provides insurance coverage to the beneficiaries when the insured is deceased.
  • Choosing a Roth IRA Vs. A Traditional IRA
    As a financial adviser, I would not give an affirmative response to which is better, Roth or traditional IRA. Both retirement accounts have distinctive advantages and can be great tools if you want to diversify your taxes in retirement.
  • How to Prepare a Cash Flow Statement
    By assimilating inputs from the balance sheet and the income statement, the cash flow statement summarizes the cash inflows and outflows of your company to help you evaluate the financial health of your business.
  • Why You Should Not Liquidate Your 401k
    Although liquidating your 401k can offer your financial relief during tight financial times, there are important consequences that you need to take into account in order not to hurt your financial future during retirement years.
  • Housing Market Sinking Further in Major U.S. Cities
    Since July 2010, housing prices are continually falling reaching the 2003 levels in 14 major U.S. metro areas. Analysts estimate that real estate prices are expected to decline further in 2011, causing more instability in the housing market.
  • First Person: 4 Ways To Protect Your Credit Score
    Maintaining low credit utilization, making timely payments, avoiding foreclosure and avoiding bankruptcy are effective ways that can help you protect your credit score so that you don't hurt your credit history.
  • Choosing the Right Time for Refinancing
    Refinancing at the right time can save you money, but refinancing at the wrong time can increase your debt even to the extent of declaring bankruptcy.
  • How My Bad Credit Costs Me Over $100,000
    Bad credit can be really distressing. In total, my bad credit costs me $100,865. If you wonder why some people get drown in debt while others seem to control their finances, it's probably in the way they (or apparently they don't) manage credit.
  • Factors to Consider for a Mid-Career Change in a Tough Job Market
    Career reinvention after 40 can be both tough and rewarding. Consider self-employment, relocation, contract employment or part-time employment. Consider your education and mindset to ensure you can manage a successful transition.
  • First Person: I Paid Off $27,000 in Student Loan Debt in 3 Years
    While student loans provide adequate college funding, their costs can add up really quickly. Having paid off $27,000 in student loans in 3 years, here are my tips for student loan payoff.
  • How to Rip a DVD to iPad Format
    Using the Clone2Go DVD to iPad converter, you can rip your DVD into iPad format in a few, simple steps and enjoy your favorite movies anytime, anyplace.
  • First Person: I Saved 35% With a Home Energy Audit
    With a home energy audit you can manage your energy consumption and save money on energy spending. Improved energy efficiency can lower your energy bills, improve the comfort of your house, and contribute to environmental conservation.
    Also published on:
  • Energy Upgrades That Save Us Money
    There are many different ways in which you can increase the energy efficiency of your home and save money on your household spending. By making simple energy upgrades you can reduce your energy spending and lower your electricity bills.
  • Top 5 Puzzle Games for Sony PSP
    If you are a puzzle game aficionado, you will really enjoy the best puzzle games for the PSP. After all, puzzle games have always been true time-killers and you can enjoy them anytime, anyplace.
  • "Hold it Against Me" Video Clip: Pure Product Placement or the Diva's Return?
    Although, she seems to have realized that fighting her own, bad self is the only way to gain her rightful place in the hearts of critics, Britney didn't mind making $500,000 from aggressive product placement in the video clip of "Hold It Against Me."
  • The Most Buzzed Celebrities
    What could Natalie Portman, Robert Pattinson, Lady Gaga, and Britney Spears have in common? They are all young, attractive, and successful in what they do, but most of all, they are so famous to be acclaimed as the most buzzed celebrities.
  • How to Block People on Twitter
    Don't hesitate to block users who most likely auto-follow and have nothing in common with you, your interests or your mindset. Having a lot of followers doesn't evoke credibility if your followers look like spammers.
  • How to Optimize Your Company's LinkedIn Profile
    LinkedIn is a great networking tool provided that you use its potential to the maximum. To get the full benefits of LinkedIn you have to optimize your company's profile to add value to your profile page and use LinkedIn as a valuable business resource.
  • IPad: Best Free Apps
    In Apple's App Store you can download thousands of free iPad apps designed specifically for your iPad. All it will cost you is time to sort out which apps you would like to install and use.
  • 5 Tips to Strengthen Your Company's Social Media Voice
    The effect social media on brand awareness is fundamental. You can raise you social media voice to expand your customer base, but in the long run you will also increase your sales and profitability.
  • 5 Reasons Why a Business Should Have a Blog
    It is often difficult for the average business owner to keep all customers on the same page. A business blog can serve as an effective means to communicate the company's strategies and marketing planning to the target audience.
  • What Makes a Blog Effective?
    You cannot meet the needs and wants of any reader on the Web, but at least make sure you provide highly quality material embellished with relevant visual content that can attract more regular visitors to your blog.
  • Political Turbulence in Kurdistan
    Many argue that the increasing economic relation of Kurdistan with its neighboring countries will prevent war. Others argue that Kurds need the support of the United States to defend themselves against interference from Turkey, Iran and Iraq.
  • A Look at President Obama's Middle East Policy
    In such a turbulent environment, there is not much room for differentiation. However, what President Obama definitely does different than President Bush is that he engages in dialogue and peaceful solutions than in wars and imperialistic solutions.
  • Anwar El Sadat and His Legacy to the Middle East
    For many, Sadat's true legacy is the Arab-Israeli peace process, economic development, and political liberalization in Egypt. Besides, Egypt has emerged as the leading state in the region and the broader Arab world.
  • Turkey's Bid to Become an EU Member: What Will it Mean for the Region?
    Although Turkey gradually employs all the necessary political and economical reforms to meet the criteria for the European Union membership, there is a growing concern regarding its potential EU accession.
  • Israeli Settlements: Why It's a Point of Contention, and What it Means for Each Side
    Israel's persistence on the legitimacy of the settlements poses a tough challenge for negotiators, who need to maintain nearly half a million hostile citizens of Israel in a future, highly autonomous Palestinian state.
  • Background and History of the Israeli-Palestinian Conflict
    The Israeli-Palestinian conflict is been going on for over 60 years now. Each attack, each war, each death, each terrorist horror, each massacre only deepens the hatred and the will to keep going on until a final solution is found.
  • Why Systematic Risk Cannot Be Diluted by Diversification
    Diversification reduces risk exposure to achieve portfolio growth. However, even a perfectly diversified portfolio that offers exposure to major asset classes cannot dilute systematic risk because financial markets are not perfect.
  • Five Self-Made Billionaires Who Made it Big Out of Nothing
    What more could Zuckerberg, Lauren, Oprah, Schultz and JK Rowling have in common than their net worth and entrance to Forbes' billionaires list? Most of today's world's billionaires have made it big by capitalizing on nothing.
  • How to Calculate and Reduce Credit Card Interest Charges
    Are you drowning in credit card debt and you don't know why your creditors charge you so high interests? Now is the time to learn how to calculate the finance charges on your credit card, and then reduce them to enjoy a debt-free life.
  • How I'm Achieving Financial Freedom
    Financial freedom sounds like science fiction to many Americans, especially after the recent credit crisis and the ongoing Eurozone turbulence. I believe in the power of knowledge in terms of what money can do for me. And I'm not the only one.
  • Financing Options for a Small Business
    There are several financing options available that can make a business competitive, provided they suit its needs and match its profile. Options include debt financing, equity financing and SBA loans.
  • How to Conduct a Competitive Analysis
    By conducting a competitive analysis for your small business, you can identify competition, then determine what their planned strategies are and how to capitalize on your business's distinctive competencies to achieve business growth.
  • How to Delete a Skype Account
    Although Skype is an excellent tool for staying in touch, as your contact list keeps expanding, privacy issues start to emerge. Many Skype users choose to delete their Skype account and switch to a different VoIP service.
  • How to Lock the Accelerometer on an IPad
    iPad's accelerometer can be a true trouble if you want to surf the web, send an email or read an e-book. Apple has cleverly anticipated of that function, offering you the option to lock the accelerometer by simply sliding a button.
  • How to Add Photos to an iPad
    Adding photos to an iPad is straightforward and can be accomplished in two simple ways, either by using iTunes or by using an SD card to keep your pictures synchronized.
  • First Person: How I Beat Bank Overdraft Fees
    No matter what overdraft policies they promote, banks often charge hidden fees including reordering transactions and delaying deposits. What you can do is be alert and control your spending.
  • First Person: Effective Communication and Employee Performance
    Effective communication establishes good working relationships and facilitates cooperation. In contrast, ineffective communication can have a negative impact on business relationships, employee performance and organizational efficiency.
  • First Person: My Get-Out-of-Debt Plan
    Based on the concepts of awareness, anticipation and action, my get out-of-debt plan is aimed at individuals who face financial difficulties and seem to be accumulating more debt instead of taking control of their finances.
  • Achieving Optimal Portfolio Diversification
    To achieve optimal portfolio diversification you should invest in financial assets whose prices are not strongly correlated. The more correlated the prices the less diversified the portfolio.
  • Understanding ETFs
    Investors who buy and sell frequently may end up paying more money than if they had bought a similar commission-free mutual fund. So, ETFs are cheap to own, but may be expensive to trade.
  • Pitfalls of Leveraged ETFs
    Leveraged ETFs have offered investors the opportunity to earn more on index-based securities. Yet, as these markets are extremely volatile, leveraged ETFs should be used systematically by savvy investors over short periods of time.
  • Close-end Mutual Funds Explained
    Typically, a closed-end mutual fund needs less money than an open-end fund to be managed because fund managers do not deal directly with individual investors in the form of sending interim statements or any other type of information.
  • Stock Market Investment Using the Technical Analysis Method
    Technical analysis is applied to both domestic and global capital markets and can also be used to analyze currency exchange rates and determine the prevailing sentiment in the bond market.
  • How to Sell Stocks
    Investors should be constantly looking for a better deal in order to keep up with the changes in the market and realize a small or a large profit at any given time.
  • How to Make Money Selling Short
    Short selling is a complex strategy, which does not guarantee profit. Investors should be ready to accept that they may incur losses, but they also need to know how these losses can be reduced to the minimum level.
  • What is a Limit Order?
    Limit orders are mostly used on a stock exchange than in over-the-counter markets. The main reason for this is the quicker rate at which market prices fluctuate and overall pace at which prices rise or fall on exchanges.
  • Stocks Most Likely to Benefit from Healthcare Reform
    President Obama's historic healthcare reform bill of $938 billion passed by Congress on March 23, 2010 has brought major changes to the US healthcare system that is hemorrhaging for so many years in the States.
  • Finance Professionals Advice About Investing in Gold Coins
    The fundamental fact that gold retains its value over time when all other investment vehicles may lose their value has been true for ages and is still true today.
  • Why Standard & Poor's 500 Index is Such a Widely Used Benchmark
    U.S. stocks with large market capitalization such as those included on the S&P 500 Index should be a core holding in any portfolio where the goal is long-term growth.
  • Expectation Analysis on Expected Stock Returns
    Given that the accuracy of the estimates cannot be measured when estimates are produced, economic forecasts have to be scientific i.e. formulated by verifiable predictions based on explicitly stated statistical method that can be checked or reproduced
  • The Efficient Markets Hypothesis Explained in Simple Terms
    It is generally impossible to outperform the market as a whole either through expert stock selection or market timing. The only way investors can gain higher returns is by undertaking higher risk.
  • How to Interpret Financial Analysis Ratios
    Typically, investors calculate a five- or ten-year average ratio considering the time-series trend of relative financial ratios compared to the industry and the economy to derive safe conclusions about a firm's relative performance over time.
  • How Reverse Stock Splits Are Implemented
    A reverse stock split can ensure that the stock has the potential to remain on the index.
  • Understanding Stock Volume
    Trading volume is a key indicator of technical analysis, which assists investors to confirm price changes, but also to anticipate changes in price. It highlights specific market characteristics and provides signals to help forecast market movements.
  • How to Pick Large Cap Growth Stocks
    Investing in large cap growth stocks implies investing in firms that expose above-average growth, but trade at expensive share prices. However, this is risky because if the growth rate is below expectations, the high price will decline sharply.
  • How to Buy Stocks
    Investors should understand a firm's fundamentals, diversify their portfolio and be constantly informed about corporate news to make well-informed investment decisions.
  • How to Buy ETFs
    Average investors prefer actively managed funds. On the contrary, investors who follow closely the market and are full-time investors should buy ETFs, but they should also consider the trading costs and high commissions.
  • Mutual Funds: Net Asset Value Explained
    The Net Asset Value is what investors have to pay to buy the mutual fund, plus any fees included. The change in the Net Asset Value is the daily change in the value per share at the end of each trading session.
  • Mutual Funds: What is Expense Ratio?
    The expense ratio represents the fund's annual expenses expressed as a percentage of the fund's assets. It includes all the various costs and expenses of a mutual fund into one number, making it easy for investors to avoid many calculations.
  • How to Read a Mutual Fund Prospectus
    The mutual fund prospectus is a valuable tool with all the relevant information such as investment objectives, expenses, portfolio holdings, fees and management that investors need to know in order to make a well-informed investment decision.
  • How to Properly Assess the Stock Market Today
    The recent current financial crisis has made investors extremely nervous whereas equity analysts and stock market theorists consider that this is the perfect timing for entering the stock market. What's your deal?
  • How to Become Rich with the Stock Market
    Becoming rich with the stock market requires patient and careful planning. No matter what you do, make sure you have a plan and that you stick to that plan regardless of the altering market conditions.
  • Understanding Closing Orders in the Stock Market
    Closing orders are mostly used in over-the-counter markets (OTC). Typically, stock exchanges are more volatile than OTC markets and the intensity at which market prices change intrigues investors.
  • How Stop Orders Work
    Stop orders are mostly used in over-counter (OTC) markets. Market prices fluctuate at a swifter speed in stock exchanges and the intensity at which prices rise or fall intrigues investors.
  • No More Naked Shorting of Stocks
    The reinstate of the uptick rule can offset the extreme sell-off patterns in market downturns and the effects of upside and downside volatility. Also, it can offset the effects of hedge funds that create a bandwagon effect in extreme profitability.
  • A Look at Short Selling Stock
    Short selling is a particularly risk hedge strategy and it is far from being a financial panacea. It is a complicated strategy to execute, because in the long run stock markets tend to rise.
  • How to Short a Stock
    Short selling is a risky exit strategy. Short selling is always the mirror opposite of the market. To achieve effective short sale, investors need to do it at the correct timing, when the price of the share guarantees profits.
  • An Overview on Penny Stocks
    Penny stocks are the extreme opposite of blue chips, which means that institutional investors are not interested to invest in penny stocks making these investments low-volume, cheap shares of unverified firms.
  • How Does Commodity Futures Day-trading Work?
    Commodity futures day-trading is one of the most difficult trading strategies. Investors have to be really focused on their strategy to come up with profitable day trading systems and avoid defaulting on their strategy
  • What is a Futures Contract?
    A futures contract is a standardized contract that obliges the owner of the contract to buy or sell the underlying asset, which may be a physical commodity or a financial instrument, at certain future date at a certain price.
  • How Can Futures Contracts Be Settled?
    Because of the daily settlement, many transactions in the futures markets are settled in cash and the physical commodity is traded in the cash market.
  • How to Use Index Funds as Low-cost Options for Investors
    Index funds are an investment strategy with clearly defined rules of ownership that are held constant in spite of market conditions. However, among low cost index funds, risk exposure is more important than any fees associated to the fund.
  • When to Sell a Mutual Fund
    Circumstances differ between investors and over time. There are specific cases that investors may sell their funds and definitely such a decision should not be taken impulsively. On the contrary, it requires a great deal of thought and consideration.
  • Why Censoring Hip-Hop in the 1970s was Wrong
    Censoring hip-hop did nothing more than heating more resistance and social riots. Music cannot create violence. Music only echoes social truth. Hip-hop was real music for real people. No censorship could control that.
  • The Most Popular Games for Kindle 3
    Featuring innovative graphics and a highly responsive software, Amazon has released games for Kindle, practically transforming your e-book reader to a game platform. Now you have more reasons to carry your Kindle 3 around with you 24/7!
  • The Differences Between Index Funds and Managed Mutual Funds
    Index funds offer to investors a high level of diversification at a relative low cost. In contrast, in managed funds, the portfolio return is subject to the type of securities and the cash holding generated by the fund managers' evaluation of the market.
  • How to Choose an Index Fund
    Index funds are the best solution, especially for investors, who prefer long-term growth without having to pay much attention.
  • Advantages of Mutual Funds
    Mutual funds achieve the highest possible capital gains by taking advantage of investment opportunities in global capital markets.
  • Understanding High Beta Stocks
    Investing in high beta stocks does not guarantee an upside market rally, while it bears a certainty of a huge downside.
  • The Different Kinds of Mutual Funds Explained
    Over the recent years, mutual funds have gained increasing popularity by being a good alternative investment solution for keeping a portfolio balanced in times of financial uncertainty.
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