Archive for May, 2007

Downside of the Strong Euro

Thursday, May 24th, 2007

Shares Magazine
May 24 2007

The weak dollar means insular griping of the 1940s has rarely seemed more dated – For Europe’s economy, Americans are not overpaid and not enough of them are over here. We needed their forces then, we need their business now: plus ca change. Marilyn McDonald gauges the shifting currents across the pond.

Everybody’s talking at me. I don’t hear a word they’re saying. Only the echoes of my mind.

For those of you that don’t recognise the song, it is Everybody’s talking at me be Harry Nilsson (though I tend toward the Jimmy Buffet version). These days it seems like everybody’s talking at me about the strength of the euro and the relative weakness of the dollar. As I wade through the opinion-filled magazines and newspapers, I can’t help but wonder how Europe can cope with such a strong currency. Will this be long term? How will it affect Europe’s tourism market and its ability to export products? Will consumers in the US see increased prices? (Forgive me, but I am not going to discuss the inflation in China – and its increasing appetite for raw materials – here. I do realise that it has a large impact on what is going on but I plan on remaining myopic in this discussion.) As European firms grapple with a weak dollar it begs the question of waht impact this situation will have on the world stage.

Not only is a stong euro affecting consumers, it’s already had an impact on many European countris and thier dollar holdings. They ahve been reducing thier dollar exposure and, while I don’t think there will be a great exodus away from the dollar as a reserve currency, this trend is concerning. Just last year, Sweden cut its dollar holdings from 37% to 20% of its reserves and eliminated its 8% of holdings in yen. Formerly, its holdings were about one-third each euros, dollars, and other currencies. Sweden now has a greater exposure to the European economy and, since 1998, the Swiss National Bank has been moving its reserves from dollars, primarily to the euro and sterling.

For many European industries, a strong euro could potentially hurt growth. the increasingly feeble dollar and the mighty euro are forcing Europe’s tourism, aeronautics, automobile and fashion industries to cope in an unstable market.

The industry to take the biggest hit would likely be Europe’s tourism. With such an unbalanced exchange rate, many Americans cannot afford travel to Europe. In the UK in particular, a visit across the pond means a dollar is realy worth about 50c. Or, for Yankees considering travelling to France, Germany or one of the other 11 European Union countries that use the euro – In those countries, the dollar is currency worth about 73c. These are compelling reasons for Americans to take a closer look at destinations such as Hawaii or Puerto Rico, where the dollar still reigns, or even further abroad like Fiji, New Zealand or Australia.

The risk for manufacturing
But tourism isn’t the only European industry that stands to suffer from a high euro, manufacturing may catch a case of the blues as well. March saw the long-waited arrival of the new Airbus A380 super jumbo. The production of the A380 had been plagued by delays – it’s now two years overdue – and has contributed to bilions of dollars in losses at Airbus’s parent company, Europe’s EADS. With the euro being so strong, the company is finding it difficult to turn a profit with the new plane. This has lead to discussions of layoffs and restructuring that have sparked animosity across countries within the EU. Newly-elected French president Nicolas Sarkozy has explicitly tied the difficulties of EADS to the high valuation of the euro, saying “A weaker euro should be a tool to help European industry – 10c of appreciation on the euro is a 1 billion euro deficit for Airbus. We didn’t create the euro in order not to make a single plane in Europe.”

Even Bayerische Motoren Werke (BMW), the world’s largest maker of luxury cars, released information that first-quarter profits plummeted 38% because of a stonger euro. The Munich-based company, whose largest single market is the US, expects higher raw material costs as wel as a rising euro to continue to impact earnings this year.

European fashion designers are also determining if they should raise prices due to the decline in the dollar. Versace, Armani, Christian Dior and Dolce & Gabbana are all faces with the challenge of maintaining competitiveness in a soft US economy.

In France, especially, a weak dollar stands to have a damaging effect on an already weak economy. Nicolas Sarkozy has been urging the European Union to develop a coordianted economic strategy to protect its citizens from globalization and to retain its popular legitimacy policy, something he has blamed for eroding the competitiveness of French industry. Sarkozy is pushing for the weakening of the euro by the European Central bank in an effort to stimulate economic growth, rather than simply focusing on combating inflation.

There is some concern that life could become harder for the ECB in the second half of 2007, particularly if the incoming French government continues to criticise the ECB, the eurozone economic growth continues to show signs of slowing and the euro appreciates further against the dollar. France’s February unemployment rate decresed 0.1% from the previous month to 8.4% and a 1.1% drop from the same month in 2006. Sarkozy is looking to improve that rate as he takes office.

The strength of the euro also sserves as a source of contention between the members of the Union. While this strength has served some countries well and served to bolster the economies of others, it has impacted the quality of life for other EU members, and not always in a good way. With this in mind, all eyes will be turning to the new elected French president this June to see how he handles France’s position with regards to the EU treaty. France has purposely held itself on the sidelines for the past couple of years and it is apparent to many that the EU cannot function optimally without France fully engaging.

By contrast, in Germany, production has reached record levels, primarily in exports. Germany’s March jobless rate fell 0.3% from the previous month to 9.8%, its lowest level since December 2006. The rate fell 2.2% from the same month a year earlier.

And the UK’s fourth-quarter GDP increased 0.8% from the preious quarter and 3% from a year ago. Preliminary numbers for Q1 show a 0.7% rise compared with Q4 2006 and a 3% annual increase. Unemployment in the region for the three months ending February 2007 increased 0.1% to 5.5% from the previous three-month period, and rose 0.3% from the same period a year earlier.

Threat to stability
Some financial analysts believe that the rapidly appreciating euro would make eurozone products more expensive and less competitive on overseas markets and as such could threaten the eurozone’s economic rebound. European products could just become too expensive and could damage its export market. A strong euro does undermine the competitiveness of eurozone goods on international markets and could potentially cut foreign demand, which has been a supporting factor for eurozone growth.

What concerns all economic analysts is the risk that, if the imbalance of the dollar to the euro continues to build, there could be a sudden correction later on, which could have destabilising effects. What goes up will come down, right?

So, can Europe cope with a strong euro? Only time will tell. A euro worth more than $1.40 would not just be an issue for manufacturers or exporters, it would be an issue for everybody. It is true that Germany and other countries that are economically closely linked to it have the ability to withstand the pressure of an expensive euro, but Mediterranean countries such as France, Spain and Italy probably can’t. Those countries should be hoping to see the market stabilise and correct itself soon. All this must be taken with the proverbial grain of salt, however. Analysts and economists have been speculating about the euro since its inception. Do a quick Google search and you will see these same issues being bandied about since 1999, regardless of the euro price.

As for me, I will take the advice of Harry Nilsson and I’m going where the sun keeps shining thru’ the pouring rain, going where the weather suits my clothes. And while I am there I will watch with interest waht happens next in the ever-evolving euro story.

Why Trade Forex

Tuesday, May 1st, 2007

World Finance
May 2007

It has been said that traders are risk managers. They know that investing is gambling, from the relatively benign 401k to the OEX Thunderdome. They thrive on the ‘thrill of the hunt.’ The 1980′s were dominated by real estate investments, the 1990′s saw the resurgence of stock and bond trading, and the 2000′s are seeing the explosion that is the Forex market, says Marilyn McDonald.

Unless you have been hiding in a cave somewhere I am sure you have heard of the foreign exchange market. The reality is that the Forex market is much like any other, in that you need to do your homework, read everything you can, paper trade and then decide for yourself if it suits your investing personality. The first question you should ask yourself is, “What is the big deal? Why are people getting into the Forex market?”

Diversification
You know the old adage about putting all your eggs into one basket, right? The long and the short of it is don’t. The Forex market offers investors another option in portfolio diversification.

One thing to be aware of when you are picking the time of day, currency pairs and how much you want to gain in a day is how much your chosen currency pair moves in that period of time. Take a quick look at the table below. This shows the average pip fluctuation in a currency pair for a given trading session in Eastern Standard Time. So if you goal is to make 30 pips per day and you can only trade for a few hours during the Europe and Asia Overlap session, you may want to re-examine the validity of your plan. Most currency pairs show a relatively low volatility during this time. Another point worth making is that high volatility isn’t necessarily a good thing. Take a quick peek at the average fluctuations on the GBP/JPY. At first glance this pair looks very promising due to the huge trading range. However, as one that bears the scars, this pair can pack a tremendous wallop. You are nearly as likely to loose that much money as you are to gain it.

24-hour trading
It is hard today to trade stocks without giving up your day job for most people. Often people scramble home from a long day at work, eat dinner, play with the kids and peer at their charts for a few hours before shuffling off to bed. The Forex market is open 24 hours a day, 5.5 days a week. This means your two hours of chart watching in the evenings can be accompanied by actual trading.

Volatility
One of the other big bonuses to Forex trading is the volatility. There isn’t another market out there that exhibits the schizophrenic behaviour that the currency market does. So now your hour or two trading every evening can bring about some lucrative results.

Liquidity
There are literally hundreds of thousands of people online every second during market hours buying and selling currencies. The market itself trades approximately $1.9 trl every single day.

Spreads
The traders costs of doing business in the Forex market is called a spread. It is essentially the difference between the bid and the ask prices; so when you have a bid price on the EuroUSD of 1.2733 and an ask of 1.2735 you are ‘paying” a two pip spread. There are no other commission fees or hidden fees, and if there are do a Google search for Forex brokers because you may have the wrong one. The spread essentially works like this. You place a buy on the EuroUSD at 1.2733 but you won’t see break even on the trade until the price moves to 1.2735. If you are trading on a mini account you will see a $-2 for your trade profit upon entry (we are assuming that the account is held in USD). Once the price moves to 1.2735 then your profit comes out of the red and heads for the green.

Ease
Forex trading is easy, sometimes too easy, but that can be discussed in a future article. The barriers to entry are low and most times you can open an account online in a matter of a day or two. Send off your hard earned money to your broker and you are ready for the big time. Most brokers will let you open a mini account for as little as $250 and because of the leverage inherent in currency trading you can be off and trading large amounts of money in no time.

Increased Leverage
Leverage is essentially a loan from your broker. It enables a trader with 200;1 leverage to have $50 in margin controlling a $10,000 position in the market, or a 0.5 percent of the position value. The substantial leverage is due to the price stability and liquidity associated with the market. In summary, there are a number of extremely valid reasons to trade in the Forex market, none of which have anything to do with some system I won’t be trying tosell you. The Forex market is an exciting and energetic place to trade which can be quite lucrative if you are prepared to be disciplined or if you are extremely lucky.

It is also important to note that you should write down your trading plan. Many traders like to take short cuts and have the plan in their head. When you don’t have a written plan it is too easy to drift away and go back to old habits.