Rahsia Sex Melayu Boleh| Zakar Hebat | Petua Suami Isteri

Sexy Butt & Body Transformation.

2009-06-05T01:52:00.003-07:00

Joey Atlas began training women in the early 90's- just after graduation from State University at New York, with a Bachelor's Degree in Exercise Physiology.

Just like every other fitness pro, he started his career in the healthclubs - using typical weights and machines to train female clients. The results were good, but Joey knew that they could be much better.

After one year in the healthclub scene he decided to start on his own by giving personal training in people's homes.

He started doing research on the primairy types of muscle contractions done with body weight exercises, in a certain way in regards to movement tempo,order of exercises and how they were grouped together.

Based on his findings, he immediately created a laser targeted program that was completely focused on the most troublesome areas of the female body - the leggs,butt, hips, thighs and lower stomach.

The results were mind-boggling - Joey became the busiest trainer in town - and had a long waiting list of female clients. The changes that these women were experiencing were even surprising for Joey, because they were much better than anything he had seen in the gym.

According to Joey Atlas, the Women's trainer, there are 5 critical facts you must know, if you want to turn your lower body into a firm and sexy work of art with a few simple exercises.

1. The several hundred muscles in your legs,butt, hip, thigh and lower stomach have to be exercised correctly and in harmony with each other in order to give you definite results, without the use of weights and machines. Three types of muscle contractions combined are the magic behind Joey's method.

2. Regardless of your lower body goals, the "right combination" of exercise variables will give you better results and in a shorter period of time.

3. Age, genetics and body type have much less impact on how your body looks and feels, than you may have been to believe by traditional media, your family and friends or your doctor. Your body is quite adaptable when treated properly "with the right program".

4. You can't improve or enhance your leg, butt, hip, thigh or tummy areas with cellulite creams,lotions, wrap treatments, diet / fat burning pills, butt enhancement supplements or any other money wasting scam that sounds to good to be true.

5. You'll make remarkable improvements in your worst trouble spots and most stubburn problem areas if you do simple yet carefully structured body weight exercises,which combine all three types of muscle movements: Concentric, Eccentric and Isometric. This is a crucial factor for women that can't be addressed with typical weights and machine type exercise programs.

So, there is no other progam on the market that combines all three types of muscle contractions into one method. Infomercials have a literal monopoly or exercise gadgets that target specific areas of the body, for the male or female gender. The main problem however is that the vast majority type of most ,simply don't deliver on promised results.

Article Source:
http://www.articlecity.com/articles/women/article_3046.shtml

Sexy Butt & Body Transformation.

2009-06-05T01:52:00.002-07:00

Article Source:
http://www.articlecity.com/articles/women/article_3046.shtml

Sexy Butt & Body Transformation.

2009-06-05T01:52:00.000-07:00

Article Source:
http://www.articlecity.com/articles/women/article_3046.shtml

Rahsia Mudah Akad Nikah

2009-06-05T01:46:00.003-07:00

	Bentuk persediaan yang anda perlu lakukan seperti dalam proses merisik, pertunangan, malam berinai, 6 bulan sebelum kahwin, 3 bulan sebelum kahwin, 3 minggu sebelum kahwin, 3 hari sebelum kahwin, hari Pernikahan, 3 hari selepas kahwin.
	Langkah-langkah awal apa yang anda perlu lakukan sebagai persediaan anda untuk mendaftar nikah termasuk prosidur pendaftaran nikah.
	10 jenis kesilapan yang selalu dilakukan oleh pengantin lelaki semasa akad nikah mengakibatkan akad terpaksa dilakukan sekali lagi. (penting sangat...)
	7 sebab mengapa pengantin lelaki melakukan kesilapan semasa akad.
	Mengetahui perjalanan majlis akad nikah dari awal hingga selesai (dari anda tiba di surau segingglah pernikahan anda telah sah) secara berturutan supaya anda tahu apa yang harus dilakukan dalam majlis akad nanti.
	Mengetahui apa itu Ta'liq dan contoh lafaz ta'liq bagi beberapa negeri kerana lafaz ini sedikit berbeza bagi setiap negeri. Ini adalah antara perkara yang anda perlu faham dan lafazkan dihadapan jurunikah setelah selesai akad nikah.
	Mengetahui bagaimana lafaz akad dengan betul dari contoh yang disediakan, sebagai persediaan awal anda.
	6 tip penting sebelum majlis akad nikah dimulakan yang masih belum dibongkarkan lagi.
	Adab-adab semasa akad nikah, supaya mendapat keberkatan.
	11 tip bajet perbelanjaan perkahwinan.
	Senarai semak bajet perkahwinan, sebagai panduan kepada bakal pengantin.

Dengan membaca "eBook Rahsia Mudah Akad Nikah" ini, anda akan perolehi banyak faedah terutama kepada teruna dan dara yang akan melangsungkan perkahwinan mereka

dan banyak lagi...maklumat lanjut klik disini...

Rahsia Mudah Akad Nikah

2009-06-05T01:46:00.002-07:00

	Bentuk persediaan yang anda perlu lakukan seperti dalam proses merisik, pertunangan, malam berinai, 6 bulan sebelum kahwin, 3 bulan sebelum kahwin, 3 minggu sebelum kahwin, 3 hari sebelum kahwin, hari Pernikahan, 3 hari selepas kahwin.
	Langkah-langkah awal apa yang anda perlu lakukan sebagai persediaan anda untuk mendaftar nikah termasuk prosidur pendaftaran nikah.
	10 jenis kesilapan yang selalu dilakukan oleh pengantin lelaki semasa akad nikah mengakibatkan akad terpaksa dilakukan sekali lagi. (penting sangat...)
	7 sebab mengapa pengantin lelaki melakukan kesilapan semasa akad.
	Mengetahui perjalanan majlis akad nikah dari awal hingga selesai (dari anda tiba di surau segingglah pernikahan anda telah sah) secara berturutan supaya anda tahu apa yang harus dilakukan dalam majlis akad nanti.
	Mengetahui apa itu Ta'liq dan contoh lafaz ta'liq bagi beberapa negeri kerana lafaz ini sedikit berbeza bagi setiap negeri. Ini adalah antara perkara yang anda perlu faham dan lafazkan dihadapan jurunikah setelah selesai akad nikah.
	Mengetahui bagaimana lafaz akad dengan betul dari contoh yang disediakan, sebagai persediaan awal anda.
	6 tip penting sebelum majlis akad nikah dimulakan yang masih belum dibongkarkan lagi.
	Adab-adab semasa akad nikah, supaya mendapat keberkatan.
	11 tip bajet perbelanjaan perkahwinan.
	Senarai semak bajet perkahwinan, sebagai panduan kepada bakal pengantin.

Dengan membaca "eBook Rahsia Mudah Akad Nikah" ini, anda akan perolehi banyak faedah terutama kepada teruna dan dara yang akan melangsungkan perkahwinan mereka

dan banyak lagi...maklumat lanjut klik disini...

Rahsia Mudah Akad Nikah

2009-06-05T01:46:00.000-07:00

	Bentuk persediaan yang anda perlu lakukan seperti dalam proses merisik, pertunangan, malam berinai, 6 bulan sebelum kahwin, 3 bulan sebelum kahwin, 3 minggu sebelum kahwin, 3 hari sebelum kahwin, hari Pernikahan, 3 hari selepas kahwin.
	Langkah-langkah awal apa yang anda perlu lakukan sebagai persediaan anda untuk mendaftar nikah termasuk prosidur pendaftaran nikah.
	10 jenis kesilapan yang selalu dilakukan oleh pengantin lelaki semasa akad nikah mengakibatkan akad terpaksa dilakukan sekali lagi. (penting sangat...)
	7 sebab mengapa pengantin lelaki melakukan kesilapan semasa akad.
	Mengetahui perjalanan majlis akad nikah dari awal hingga selesai (dari anda tiba di surau segingglah pernikahan anda telah sah) secara berturutan supaya anda tahu apa yang harus dilakukan dalam majlis akad nanti.
	Mengetahui apa itu Ta'liq dan contoh lafaz ta'liq bagi beberapa negeri kerana lafaz ini sedikit berbeza bagi setiap negeri. Ini adalah antara perkara yang anda perlu faham dan lafazkan dihadapan jurunikah setelah selesai akad nikah.
	Mengetahui bagaimana lafaz akad dengan betul dari contoh yang disediakan, sebagai persediaan awal anda.
	6 tip penting sebelum majlis akad nikah dimulakan yang masih belum dibongkarkan lagi.
	Adab-adab semasa akad nikah, supaya mendapat keberkatan.
	11 tip bajet perbelanjaan perkahwinan.
	Senarai semak bajet perkahwinan, sebagai panduan kepada bakal pengantin.

Dengan membaca "eBook Rahsia Mudah Akad Nikah" ini, anda akan perolehi banyak faedah terutama kepada teruna dan dara yang akan melangsungkan perkahwinan mereka

dan banyak lagi...maklumat lanjut klik disini...

2 Love Making Positions to Leave Her Begging For More!

2009-06-05T01:31:00.003-07:00

1. Woman-on-top position:
This is voted as the most popular love making position for women because it gives them total control of pace and intensity to find out what's the best for them. As well, it makes your partner feel seductive, sexy and make her totally satisfied! Following are list of tips to make the most out of this position:

- Place a big cushion under your buttock to lift up position of pelvis for deep penetration.

- Have her to thrust in steady circular, or back and forth motion. It allow penis to rub against all walls of vagina and G spot for erotic stimulation.

- She draws her legs as close as possible to supercharge sensation for both of you.

- Use your free hands to caress her breasts and lower belly for extra stimulation.

2. Sexy Seagull position:
She lies on her back with her buttocks resting comfortably near the edge of bed. You kneel down between her legs and make sure penis and vagina are parallel. When necessary, you can place a cushion under her back to adjust height. In this position, your penis enters directly into her body, which results in explosive sensations for both of you.

Extra hot tip:
Instead of mindless thrusting, you may want to try teasing her, i.e. withdrawing when she's about to orgasm. When you resume stimulation, it is going to push her over the edge easily and quickly. Here's how: during thrusting, stimulate her until she's near climax. Then, pull out your member and stimulate other erogenous zones (e.g. clitoris, breasts and nipples). Repeat this step a few times until you think it's time for the big "O". The hiatus is going to exponentially enhance her orgasmic pleasure. Certainly, she will be annoyed when you pull off- don't be afraid to provoke her, she will thank you later.

2 Love Making Positions to Leave Her Begging For More!

2009-06-05T01:31:00.002-07:00

2 Love Making Positions to Leave Her Begging For More!

2009-06-05T01:31:00.001-07:00

Teknik-Teknik Malam Pertama

2009-06-05T01:15:00.003-07:00

Pecah Dara Malam Pertama

Malam pertama untuk suami pecah dara isteri sememanglah waktu yang mendebarkan buat suami dan isteri. Pecah dara isteri adalah pengalaman seks yang akan dikenang sepanjang hayat maka lakukan dengan penuh kasih sayang.

Pecah dara isteri tidak dapat dilakukan pada malam pertama. Ia pasti menyakitkan kepada isteri apabila suami kurang sabar. Suami perlu sabar. Jadikan hubungan seks suami isteri suatu yang indah kepada isteri dan juga suami untuk jangka masa panjang. Kesakitan boleh memberikan kesan kepada isteri dalam hubungan seks. Suami sudah menunggu lama sebelum bernikah, mengapa tidak lagi dua tiga hari lagi.

Malam pertama adalah malam belaian. Malam suami isteri mengenali tubuh badan masing-masing. Malam untuk membuang rasa malu isteri terutamanya. Membuang rasa malu dalam hubungan seks adalah dengan menimbulkan rasa berahi kepada isteri dan suami. Foreplay boleh dilakukan dengan pelbagai cara. Sama ada dengan urutan asmara dan membelai buah dada isteri.

Suami jangan fikirkan lagi untuk masukkan terus batang zakar dalam faraj isteri. Bagi isteri rasa berahi. Bagi isteri puas dengan belaian. Bagilah isteri cumbuan yang memuaskan. Jika suami memang tidak tahan, tidak salah untuk lepaskan dengan tangan isteri. Bagi isteri kenal air mani lelaki. Yang penting malam pertama adalah malam suami isteri mengenali organ seks, bahagian tubuh badan yang membuat rasa berahi dan cumbuan kasih sayang.

Malam pertama juga adalah malam untuk membuat isteri mengenali erti kepuasan seks. Farajnya pasti basah maka basahkan jari dengan air faraj isteri dan gentel kelentit isteri perlahan-lahan sambil menghisap buah dadanya. Suami perlu puaskan isteri tanpa masukkan batang zakar dalam faraj isteri dengan memuaskan isteri dengan belaian biji kelentit. Sekiranya isteri puas dan mahu lagi, puaskan lagi dengan biji kelentitnya.

Malam kedua adalah ulangan malam pertama dengan penambahan satu lagi aksi seks. Mengetuk pintu faraj. Mengetuk pintu faraj adalah satu cara untuk pintu faraj isteri membiasakan dengan batang zakar suami. Lakukan belaian seperti malam pertama. Belai dan gentel kelentitnya seperti malam pertama tetapi jangan sampai puas. Untuk malam kedua, puaskan isteri dengan belaian batang zakar dibiji kelentitnya.

Apabila air faraj isteri telah banyak keluar di pintu faraj. Kangkangkan kaki isteri dan berada diantaranya. Letakkan kepala zakar dipintu faraj dan basahkan batang zakar dengan air mani isteri (air faraj). Genggam batang zakar dan basahkan biji kelentit dengan air mani isteri yang melekat pada kepala zakar. Geselkan batang zakar kepada biji kelentit umpama gentelkan kelentit dengan jari yang basah.

Lakukan geselan zakar kepada biji kelentit sehingga isteri puas. Ajak isteri untuk memegang batang zakar suami dan minta isteri untuk menggeselkan kepada kelentit mengikut rasa nikmat dan sedap isteri.

Jangan bagi isteri terlalu puas dengan kelentit kerana untuk mengetuk pintu faraj isteri memerlukan isteri turut menikmati. Isteri yang terlalu puas akan rasa kegelian. Itu yang tidak dimahukan sewaktu mengetuk pintu faraj isteri.

Selepas memberikan satu dua puas kepada isteri dengan belaian batang zakar di kelentit maka letakkan kepala zakar dibibir faraj. Minta bantuan isteri untuk meletakkannya. Tekan batang zakar suami perlahan-lahan hanya setakat kepala zakar sahaja yang masuk. Memang tidak puas bagi suami tapi demi hubungan seks yang indah dan untuk jangka masa panjang lakukan sebegini.

Apabila batang zakar lelaki sudah pasti masuk setakat kepala, maka tarik keluar perlahan dan masukkan semula setakat kepala zakar, lakukan keluar masuk ini sambil menghisap dada, leher dan bercumbu. Lakukan keluar masuk kepala zakar sahaja ini sampai suami puas dan memancutkan air mani dalam pintu faraj isteri.

Memang menyeksakan buat suami tetapi ini untuk nikmat seks yang berpanjangan esok harinya.

Malam ketiga adalah malam pecah dara. Malam batang zakar isteri masuk penuh ke dalam faraj isteri. Lakukan seperti apa bagi malam pertama dan kedua. Untuk malam yang ketiga, selepas kepala zakar mengetuk pintu faraj isteri maka, dalam batang zakar perlu ditambah secara perlahan-lahan. Masukkan zakar setakat kepala dahulu, gerakkan keluar masuk dan kemudian tambah lagi menekan sehingga separuh. Setiap kali hendak menekan batang zakar lagi dalam ke dalam faraj isteri, beritahu isteri dan biarkan isteri bersedia. Pastikan isteri tidak kesakitan atau terlalu kesakitan.

Lakukan perlahan sehinggalah batang zakar suami penuh masuk ke dalam faraj isteri dan pancutan pertama air mani dipintu rahim isteri dilepaskan apabila suami isteri puas klimak bersama.

petikan:http://tamanwangi.perempuanmelayu.info

Teknik-Teknik Malam Pertama

2009-06-05T01:15:00.002-07:00

Teknik-Teknik Malam Pertama

2009-06-05T01:15:00.000-07:00

Great Sex Life For Seniors

2009-06-05T01:13:00.003-07:00

A good sex life for adults over 60 depends largely on health conditions and lifestyle. Younger folks generally have a hard time believing that their aging parents (or even grandparents!) might still be sexually active; the truth is only 5% of those considered over-the-hill feel that sex is only for the young ones. Having a sexual relationship is important, even if the couple is over 60. Romance, intimacy and sex go hand-in-hand—most couples have sex at least once, even three times a week. However, various health issues which commonly plague this age group may contribute to the loss of sexual drive.

The baby boomers who survived the flower-power days started sexual freedom over 40 years ago. For a lot of seniors over 60, the sexual revolution is still alive and kickin’ although it is an undeniable fact that a lot is also experiencing problems in getting the va-va-vroom back in the boudoir. What are these common problems? Read on and learn how to keep your sexual torch burning. Sexual arousal does not ebb as the person grows older. Aging is a period in life that every person will eventually go through—it does not mean that a person suddenly becomes physically or sexually unappealing or become less interested in sex as part of the aging process.

But, as a person ages, sex can be more challenging. Problems that can interfere with a senior’s sex life include: erectile dysfunction, bladder problems and disability, as well as asthma and heart problems. Arthritis, obesity, smoking, alcohol and a sedentary lifestyle also contribute to the decrease in one’s sexual drive. These conditions are easily treated with proper medication if addressed early. A common drug used by seniors is Viagra, the wonder pill for erectile dysfunction and impotence. A couple must be aware of each other’s physical conditions and problems, no matter how embarrassing it is (such as creaking bones and leaking bladder).

After all, honesty is the best policy—and being honest with your partner is one way to avoid being embarrassed with whatever ailment you may have. Slowing of responses during aging is normal. Sexual arousal may be harder to achieve—this too, is not impossible to overcome. Be open to your partner about what turns you on and what’s difficult for you. This may also be the time for you to experiment new and different positions that best suit your needs and physical condition. Books dealing with sex in later life are easily found in bookstores; articles and tastefully written materials are readily found on the internet, with vast collections of ideas about helpful positions and sex toys that may help increase one’s desires.

Couples therapy, as well as a trip to a sex therapist is also helpful for couples dealing with physical changes that are brought about by aging. Aging does not end sex. It should be a wondrous experience for people of any age and should only stop when a person decides to do so. Age does not dictate what is right or wrong; instead, it provides more opportunities to explore different ways to have a more enjoyable sex life. Just as with the young folks, a satisfying sex life is achieved by being open to one another, taking the time to talk and consider the needs of one’s partner, and being bold enough to experiment and have fun.

Great Sex Life For Seniors

2009-06-05T01:13:00.002-07:00

Great Sex Life For Seniors

2009-06-05T01:13:00.000-07:00

Premature Ejaculation a Warm Up to Great Sex

2009-06-05T01:11:00.003-07:00

So what if some guys have trouble holding their load? There are millions of men each day that suffer from rapid or Premature Ejaculation (PE), and if your one of them its time to quit your crying and do something about it. The first step to a resolution is to admit you have a problem.

After a wonderful evening with the woman of your dreams, it’s time to head back to your place. Afraid to “blow” your chances with this beauty, you grab a bottle of wine in an attempt to distract her. Maybe she won’t notice your little issue and hopefully she will give you a chance for a second date. Oh no! Your plan didn’t work; she’s ready for action. Before removing her panties, you have already climaxed and are too embarrassed to move. In a panic, you pretend you don’t want to go any further, hoping she didn’t notice. There’s no need to be humiliated, tell her your situation and let her know that she’s not being rejected.

If you are sexually attracted to another, sexual arousal is natural and not something to be ashamed of. Inform your partner that you are prone to PE. Talk it over, just because you shot one load does not mean there is not another one waiting to take its place. Let your mate know that the thought of her gets you very aroused so you need to slow down and enjoy foreplay. It is a rare woman that wouldn’t like the oven preheated and wants that extra foreplay. With a bit of extra stimulation it doesn’t take long for most men to once again become aroused. Talking openly can bring you both, mentally and physically closer to each other. If this is someone you care about and want to have a relationship with, then they should understand your needs and work with you for after all you are a team.

There are a few ways to help build stamina and learn ejaculatory control. It is said that a lot of men ejaculate prematurely due to their youth. Your masturbation during youth may have had to be quick in an attempt to avoid being caught by parents, siblings and the family dog. Since masturbation was rushed, it is quite possible that one would be conditioned to getting it off fast and has remained that way. Now is the time to break that habit and develop some new ones. First though it is helpful to understand the phases of sexual response as you get on the road to recovery.

Masters and Johnson found that the physiological reaction to male and female sexual stimulus could best be described by dividing the cycles of sexual response into four separate phases – Excitement, Plateau, Orgasmic and Resolution. The male will almost always pass through all four of these phases. The Excitement Phase develops from any source of physical or mental stimulation and at this time the erection will begin and breathing start to become heavier. In the Plateau Phase the arousal is continued and the erection hard and firm as you feel highly aroused. For the male, the Orgasmic Phase is experienced at the time of ejaculation. During the Resolution Phase breathing returns to normal and the erection subsides.

Your goal is to delay the Orgasmic Phase (ejaculation) and that can be done with a bit of practice. When masturbating, try to pace yourself. Every time you feel like you’re about to climax, stop and wait 30 seconds. It will be extremely annoying at first, but try to do this for as long as you can. Whenever you masturbate, try and outlast your previous time. Keep track of how often you’re able to stop yourself. This can work with a mate as well.

You and your partner can practice different techniques to help condition you. Oral sex can be a good way to kick off the night. Since oral is not as intense as penetration, one can easily lie back and enjoy the show. This act will allow you to focus on holding back instead of thrusting. If the urge to ejaculate arrives make your mate aware. This should tell your mate to stop. If you feel the need to release, do so, but try not to force the orgasm. If you avoid a heavy orgasm your penis won’t become as soft and sensitive. In doing so, you should be able to keep going. This is when you take the time to pleasure your mate while keeping yourself aroused and ready to go. Foreplay is very important in a relationship and this is a great way to get the party started. When your mate’s oven is finished preheating, try having intercourse.

During intercourse, try and pace yourself. Lay back and have your mate ride you for a bit. If you have the urge to climax, signal your mate to be still. This is a great way to tease each other while extending your fun. Often, a girl will get extremely wet just sitting on your penis anticipating the thrust. When she least expects it, open fire with an abundance of thrusts. This technique may cause you to climax, but it’s guaranteed to put a permanent smile on her face.

Just remember you are not alone. Premature ejaculation is the most common sexual complaint among men. Through practice, slowing down and learning how to control your ejaculation your orgasms will become greater as will your mates and she will hardly be able to wait for that next lovemaking session.

Author : Terrance Lile
Source : http://www.articlecity.com

Premature Ejaculation a Warm Up to Great Sex

2009-06-05T01:11:00.002-07:00

Premature Ejaculation a Warm Up to Great Sex

2009-06-05T01:11:00.000-07:00

Adakah anda dan pasangan anda sudah jemu dengan posisi-posisi seks yang sama setiap kali berasmara?

2009-06-04T09:59:00.003-07:00

Memperkenalkan 102 Posisi Seks unik yang di ambil dari 4 Kitab Amalan Seksual Kuno dan dibukukan dalam satu Pakej Berkualiti Tinggi !!!

Anda tidak tahu apa itu Kamasutra, Ananga Ranga, Taman Harum dan Tao?

Kamasutra, Ananga Ranga, Taman Harum dan Tao, adalah Kitab Manual Seks yang ditulis pada zaman kuno, berkurun-kurun lamanya sebelum generasi kita mencelikkan mata di dunia ini.

Kamasutra dan Ananga Ranga adalah Kitab dari India, Taman Harum pula di tulis oleh seorang cendiakawan Arab yang tersohor, dan pengamal amalan seksual Taoist telah membukukan ajaran mereka ke dalam Kitab Tao.

Jadi Ebook Kamasutra Bergambar versi Bahasa Melayu ini mengandungi EMPAT kitab kuno berasingan yang dicantumkan menjadi satu!

Antara posisi-posisi hubungan seks yang terdapat dalam ebook ini ialah:

Posisi Lotus

Si Wanita menyilangkan kakinya dan membawa kakinya hampir kepada perut, Si lelaki kemudiannya memasukkan zakar...

Posisi Pemecah Dara

Dalam posisi ini faraj si wanita berada dalam keadaan yang rapat dan ketat. Si lelaki harus cermat dan...

Posisi Belahan Indra

Si wanita berbaring dengan kedua-dua belah kaki ...wanita digalakkan mengusap buah dada dalam posisi ini untuk...

Posisi Roda Karma

Si lelaki harus kuat memegang badan si wanita dalam posisi ini.... menggerakkan badannya dalam pusingan seperti roda...

Posisi Pelangi

Ini adalah posisi yang unik dan dapat memberikan kenikmatan yang lain daripada yang lain jika dicuba oleh pasangan....

Posisi Ikatan Jed

Diilhamkan dari seni menyambung jed yang penuh dengan ketekunan dan kesenian, si wanita...Si lelaki memasuki wanita dan mengangkat...

Dan banyak lagi Posisi-Posisi Hubungan Seks yang berjumlah 102 POSISI kesemuanya..! (Selepas ni confirm anda tak akan jemu dengan posisi yang sama setiap kali bersama pasangan anda)

Bayangkan apa yang boleh anda lakukan dengan 102 posisi seks yang unik dan tidak pernah anda ketahui wujud sebelum ini!

Mungkin anda perlu membeli katil yang lebih besar selepas membaca ebook ini ;-)

Klik Banner Dibawah untuk maklumat lanjut....

Adakah anda dan pasangan anda sudah jemu dengan posisi-posisi seks yang sama setiap kali berasmara?

2009-06-04T09:59:00.002-07:00

Memperkenalkan 102 Posisi Seks unik yang di ambil dari 4 Kitab Amalan Seksual Kuno dan dibukukan dalam satu Pakej Berkualiti Tinggi !!!

Anda tidak tahu apa itu Kamasutra, Ananga Ranga, Taman Harum dan Tao?

Kamasutra, Ananga Ranga, Taman Harum dan Tao, adalah Kitab Manual Seks yang ditulis pada zaman kuno, berkurun-kurun lamanya sebelum generasi kita mencelikkan mata di dunia ini.

Jadi Ebook Kamasutra Bergambar versi Bahasa Melayu ini mengandungi EMPAT kitab kuno berasingan yang dicantumkan menjadi satu!

Antara posisi-posisi hubungan seks yang terdapat dalam ebook ini ialah:

Posisi Lotus

Si Wanita menyilangkan kakinya dan membawa kakinya hampir kepada perut, Si lelaki kemudiannya memasukkan zakar...

Posisi Pemecah Dara

Dalam posisi ini faraj si wanita berada dalam keadaan yang rapat dan ketat. Si lelaki harus cermat dan...

Posisi Belahan Indra

Si wanita berbaring dengan kedua-dua belah kaki ...wanita digalakkan mengusap buah dada dalam posisi ini untuk...

Posisi Roda Karma

Si lelaki harus kuat memegang badan si wanita dalam posisi ini.... menggerakkan badannya dalam pusingan seperti roda...

Posisi Pelangi

Ini adalah posisi yang unik dan dapat memberikan kenikmatan yang lain daripada yang lain jika dicuba oleh pasangan....

Posisi Ikatan Jed

Diilhamkan dari seni menyambung jed yang penuh dengan ketekunan dan kesenian, si wanita...Si lelaki memasuki wanita dan mengangkat...

Dan banyak lagi Posisi-Posisi Hubungan Seks yang berjumlah 102 POSISI kesemuanya..! (Selepas ni confirm anda tak akan jemu dengan posisi yang sama setiap kali bersama pasangan anda)

Bayangkan apa yang boleh anda lakukan dengan 102 posisi seks yang unik dan tidak pernah anda ketahui wujud sebelum ini!

Mungkin anda perlu membeli katil yang lebih besar selepas membaca ebook ini ;-)

Klik Banner Dibawah untuk maklumat lanjut....

Adakah anda dan pasangan anda sudah jemu dengan posisi-posisi seks yang sama setiap kali berasmara?

2009-06-04T09:59:00.001-07:00

Memperkenalkan 102 Posisi Seks unik yang di ambil dari 4 Kitab Amalan Seksual Kuno dan dibukukan dalam satu Pakej Berkualiti Tinggi !!!

Anda tidak tahu apa itu Kamasutra, Ananga Ranga, Taman Harum dan Tao?

Kamasutra, Ananga Ranga, Taman Harum dan Tao, adalah Kitab Manual Seks yang ditulis pada zaman kuno, berkurun-kurun lamanya sebelum generasi kita mencelikkan mata di dunia ini.

Jadi Ebook Kamasutra Bergambar versi Bahasa Melayu ini mengandungi EMPAT kitab kuno berasingan yang dicantumkan menjadi satu!

Antara posisi-posisi hubungan seks yang terdapat dalam ebook ini ialah:

Posisi Lotus

Si Wanita menyilangkan kakinya dan membawa kakinya hampir kepada perut, Si lelaki kemudiannya memasukkan zakar...

Posisi Pemecah Dara

Dalam posisi ini faraj si wanita berada dalam keadaan yang rapat dan ketat. Si lelaki harus cermat dan...

Posisi Belahan Indra

Si wanita berbaring dengan kedua-dua belah kaki ...wanita digalakkan mengusap buah dada dalam posisi ini untuk...

Posisi Roda Karma

Si lelaki harus kuat memegang badan si wanita dalam posisi ini.... menggerakkan badannya dalam pusingan seperti roda...

Posisi Pelangi

Ini adalah posisi yang unik dan dapat memberikan kenikmatan yang lain daripada yang lain jika dicuba oleh pasangan....

Posisi Ikatan Jed

Diilhamkan dari seni menyambung jed yang penuh dengan ketekunan dan kesenian, si wanita...Si lelaki memasuki wanita dan mengangkat...

Dan banyak lagi Posisi-Posisi Hubungan Seks yang berjumlah 102 POSISI kesemuanya..! (Selepas ni confirm anda tak akan jemu dengan posisi yang sama setiap kali bersama pasangan anda)

Bayangkan apa yang boleh anda lakukan dengan 102 posisi seks yang unik dan tidak pernah anda ketahui wujud sebelum ini!

Mungkin anda perlu membeli katil yang lebih besar selepas membaca ebook ini ;-)

Klik Banner Dibawah untuk maklumat lanjut....

Pelbagai posisi seks asmara

2009-06-02T03:59:00.000-07:00

Ebook terbaru ini mengandungi 161 mukasurat dengan posisi seks bergambar bersama tips-tips dan panduan untuk kebahagiaan Hubungan Seksual!

Isi Kandungan Utama Ebook Kamasutra Bergambar versi Bahasa Melayu ini

Kamasutra (Seni Berasmara)

Kamasutra adalah sebuah kitab kuno dari India yang ditulis oleh Vatsayana berdasarkan kajian beliau ke atas gerak laku seksual manusia. Kamasutra dikatakan adalah manual seks yang paling tua di dunia...

Ananga Ranga (Peringkat Percintaan)

Ananga Ranga adalah sebuah manual hubungan seks yang ditulis oleh Kalyana Malla pada kurun ke 15. Ramai mengatakan tujuan utama Ananga Ranga ditulis adalah untuk mengelakkan perpisahan antara suami isteri....

Taman Harum (The Perfumed Garden)

"The Perfumed Garden" adalah sebuah manual hubungan seks yang ditulis oleh Muhammad al-Nafzawi sekitar tahun 1410 sehingga 1434. Nama asal manual yang ditulis oleh al-Nafzawi ini ialah "The Perfumed Garden of Sensual Delight" atau dalam bahasa arabnya, "Al-rawd al-'âtir fî nuzhati'l khâtir"....

Tao (Cantuman Asmara)

Manual Seks Taoist dicipta dengan tujuan utama untuk mengekalkan kesihatan pengamal ajaran Taoist. Pengikut-pengikut ajaran Taoist percaya dengan mengamalkan seni-seni ajaran Taoist ketika melakukan hubungan seksual, mereka akan dapat mengekalkan kesihatan luaran dan dalaman, dan jika ditambah dengan senaman-senaman lain, mereka akan dapat melambatkan proses penuaan...

Tanda-tanda kepuasan bagi seorang wanita adalah ketenangan pada reaksi tubuhnya, dan kerelaan sepenuhnya untuk menyatukan "yoni" (faraj) dengan "lingam" (zakar) pasangannya...

Vatsayana (Pengarang Kamasutra)

Anda tidak tahu apa itu Kamasutra, Ananga Ranga, Taman Harum dan Tao?

Kamasutra, Ananga Ranga, Taman Harum dan Tao, adalah Kitab Manual Seks yang ditulis pada zaman kuno, berkurun-kurun lamanya sebelum generasi kita mencelikkan mata di dunia ini.

Jadi Ebook Kamasutra Bergambar versi Bahasa Melayu ini mengandungi EMPAT kitab kuno berasingan yang dicantumkan menjadi satu!

Antara posisi-posisi hubungan seks yang terdapat dalam ebook ini ialah:

Posisi Lotus

Si Wanita menyilangkan kakinya dan membawa kakinya hampir kepada perut, Si lelaki kemudiannya memasukkan zakar...

Posisi Pemecah Dara

Dalam posisi ini faraj si wanita berada dalam keadaan yang rapat dan ketat. Si lelaki harus cermat dan...

Posisi Belahan Indra

Si wanita berbaring dengan kedua-dua belah kaki ...wanita digalakkan mengusap buah dada dalam posisi ini untuk...

Posisi Roda Karma

Si lelaki harus kuat memegang badan si wanita dalam posisi ini.... menggerakkan badannya dalam pusingan seperti roda...

Posisi Pelangi

Ini adalah posisi yang unik dan dapat memberikan kenikmatan yang lain daripada yang lain jika dicuba oleh pasangan....

Posisi Ikatan Jed

Diilhamkan dari seni menyambung jed yang penuh dengan ketekunan dan kesenian, si wanita...Si lelaki memasuki wanita dan mengangkat...

Dan banyak lagi Posisi-Posisi Hubungan Seks yang berjumlah 102 POSISI kesemuanya..! (Selepas ni confirm anda tak akan jemu dengan posisi yang sama setiap kali bersama pasangan anda)

Bayangkan apa yang boleh anda lakukan dengan 102 posisi seks yang unik dan tidak pernah anda ketahui wujud sebelum ini!

Mungkin anda perlu membeli katil yang lebih besar selepas membaca ebook ini ;-)

Selain memaparkan 102 POSISI SEKS BERGAMBAR, ebook Kamasutra Bergambar versi Bahasa Melayu ini turut memberikan tips dan panduan seperti:

Zon Hotspot

Ketahui dimanakah bahagian-bahagian yang paling sensitif bagi lelaki dan wanita, dan bagaimana untuk meransang sepenuhnya bahagian-bahagian ini

...Apabila bahagian-bahagian sensitif pada badan diusap... Untuk Lelaki: Ketika pasangan anda mengusap zakar anda, usaplah...Untuk Wanita: Ketika pasangan anda membelai badan anda...

Urutan & Ciuman

Ketahui teknik-teknik urutan yang akan membangkitkan nafsu pasangan anda, dan bagaimana untuk menjadi seorang pakar dalam ciuman

...Salah satu teknik ciuman Kamasutra, Vatsayana mempraktikkan teknik ciuman dengan memegang lembut bahagian...

Mandi Kucing

Ini bukan teknik untuk memandikan kucing, tetapi teknik memandikan pasangan anda menggunakan lidah. Jangan terkejut bila melihat pasangan anda mengeliat kesedapan bila anda menggunakan teknik ni

...Biarkan air liur anda bercampur dengan peluh pasangan anda apabila anda bergilir-gilir menjilat dan menghembus tubuh badan...

Penetrasi Lidah

Mat saleh panggil "oral sex", tetapi teknik ni dah lama wujud. Ketahui teknik asal yang belum pernah anda ketahui wujud

...Untuk Wanita: Pegang zakar pasangan anda dengan lembut dan cium zakar pasangan anda. Cium perlahan-lahan...

Teknik Tusukan

Jangan ingat asal boleh masuk dah ok. Terdapat banyak lagi teknik tusukan yang boleh anda aplikasikan kepada isteri anda. Ketahui "the best of the best" dalam panduan ini

Vatsyayana telah memberikan beberapa teknik tusukan zakar untuk membolehkan zakar bertindak untuk memberikan kepuasan maksima kepada pasangannya.Berikut ialah beberapa teknik tusukan yang disyorkan dalam ajaran Kamasutra...

Urutan Dalaman

Untuk perempuan pun ada. Ketahui bagaimana untuk mengurut zakar pasangan anda dengan hanya menggunakan otot-otot faraj anda. Rugi kalau tak tahu teknik ni.

Vatsayana menggalakkan si wanita memicit dan mengurut zakar si lelaki dengan menggunakan otot-otot di dalam faraj. Untuk melakukan urutan ini...

Dan banyak lagi TIPS, TEKNIK dan PANDUAN yang terdapat dalam ebook ini, sesuai untuk lelaki dan juga wanita.

TIPS, TEKNIK dan PANDUAN yang saya masukkan dalam ebook ini adalah pilihan terbaik yang dipilih dari Kitab Kuno Kamasutra, Ananga Ranga, Taman Harum dan Tao.

Dari memberhentikan usapan dan gentelan pada klitoris selepas si dia mencapai ejakulasi, teruskan usapan tersebut dan lihat apa yang bakal terjadi...

Kalyana Malla (Pengarang Ananga Ranga)

161 Mukasurat, Panduan dan Tips dari Kitab-kitab kuno yang telah terbukti keberkesanannya, 102 Posisi Bergambar dengan penerangan dan panduan dalam Bahasa Melayu..

Saya Berminat! Bagaimana saya nak dapatkan Ebook ni?

Anda boleh mendapatkan Ebook Kamasutra Bergambar versi Bahasa Melayu ini melalui pautan di bawah, tetapi tunggu...

Sempena pelancaran Ebook pertama saya, saya dengan berbesar hati ingin memberikan lagi ilmu-ilmu berkaitan hubungan seksual kepada anda dengan kos yang tidak masuk akal!

Mortgage

2009-06-02T03:56:00.000-07:00

A mortgage is the transfer of an interest in property (or the equivalent in law - a charge) to a lender as a security for a debt - usually a loan of money. While a mortgage in itself is not a debt, it is the lender's security for a debt. It is a transfer of an interest in land (or the equivalent) from the owner to the mortgage lender, on the condition that this interest will be returned to the owner when the terms of the mortgage have been satisfied or performed. In other words, the mortgage is a security for the loan that the lender makes to the borrower.

This comes from the Old French "dead pledge," apparently meaning that the pledge ends (dies) either when the obligation is fulfilled or the property is taken through foreclosure.^[1]

In most jurisdictions mortgages are strongly associated with loans secured on real estate rather than on other property (such as ships) and in some jurisdictions only land may be mortgaged. A mortgage is the standard method by which individuals and businesses can purchase real estate without the need to pay the full value immediately from their own resources. See mortgage loan for residential mortgage lending, and commercial mortgage for lending against commercial property.

The cost to the borrower is measured by the annual percentage rate (APR), which is an effective annual rate of interest and fees paid by the borrower.

In many countries, though not all (Iran) or (Bali, Indonesia is one exception^[2]), it is normal for home purchases to be funded by a mortgage. Few individuals have enough savings or liquid funds to enable them to purchase property outright. In countries where the demand for home ownership is highest, strong domestic markets have developed, notably in Ireland, Spain, the United Kingdom, Australia and the United States.

The loan process

2009-06-02T03:54:00.000-07:00

Retail lending

Borrowers visit a payday lending store and secure a small cash loan, with payment due in full at the borrower's next paycheck (usually a two week term). In the United States, finance charges on payday loans are typically in the range of 15 to 30 percent of the amount for the two-week period, which translates to rates ranging from 390 percent to 780 percent when expressed as an annual percentage rate (APR)^[1] The borrower writes a postdated check to the lender in the full amount of the loan plus fees. On the maturity date, the borrower is expected to return to the store to repay the loan in person. If the borrower doesn't repay the loan in person, the lender may process the check traditionally or through electronic withdrawal from the borrower's checking account.

If the account is short on funds to cover the check, the borrower may now face a bounced check fee from their bank in addition to the costs of the loan, and the loan may incur additional fees and/or an increased interest rate as a result of the failure to pay. For customers who cannot pay back the loan when due, members of the national trade association are required to offer an extended payment plan at no additional cost. In states like Washington, extended payment plans are required by state law.

Payday lenders require the borrower to bring one or more recent pay stubs to prove that they have a steady source of income. The borrower is also required to provide recent bank statements.^{[citation needed]} Individual companies and franchises have their own underwriting criteria.

Payday loan

2009-06-02T03:53:00.001-07:00

A payday loan (also called a paycheck advance or payday advance) is a small, short-term loan that is intended to cover a borrower's expenses until his or her next payday. The loans are also sometimes referred to as cash advances, though that term can also refer to cash provided against a prearranged line of credit such as a credit card (see cash advance). Legislation regarding payday loans varies widely between different countries and, within the USA, between different states.

Some jurisdictions impose strict usury limits, limiting the nominal annual percentage rate (APR) that any lender, including payday lenders, can charge; some outlaw payday lending entirely; and some have very few restrictions on payday lenders. Due to the extremely short-term nature of payday loans, the difference between APR and effective annual rate (EAR) can be substantial, because EAR takes compounding into account. For a $15 charge on a $100 2-week payday loan, the APR is 26 × 15% = 390% but the EAR is (1.15 $26$ − 1) × 100% = 3,685%. Careful reporting of whether EAR or APR is quoted is necessary to make meaningful comparisons.

United States taxes

2009-06-02T03:51:00.000-07:00

Most of the basic rules governing how loans are handled for tax purposes in the United States are uncodified by both Congress (the Internal Revenue Code) and the Treasury Department (Treasury Regulations — another set of rules that interpret the Internal Revenue Code).^[2] Yet such rules are universally accepted.^[3]

1. A loan is not gross income to the borrower.^[4] Since the borrower has the obligation to repay the loan, the borrower has no accession to wealth.^[5]

2. The lender may not deduct the amount of the loan.^[6] The rationale here is that one asset (the cash) has been converted into a different asset (a promise of repayment).^[7] Deductions are not typically available when an outlay serves to create a new or different asset.^[8]

3. The amount paid to satisfy the loan obligation is not deductible by the borrower.^[9]

4. Repayment of the loan is not gross income to the lender.^[10] In effect, the promise of repayment is converted back to cash, with no accession to wealth by the lender.^[11]

5. Interest paid to the lender is included in the lender’s gross income.^[12] Interest paid represents compensation for the use of the lender’s money or property and thus represents profit or an accession to wealth to the lender.^[13] Interest income can be attributed to lenders even if the lender doesn’t charge a minimum amount of interest.^[14]

6. Interest paid to the lender may be deductible by the borrower.^[15] In general, interest paid in connection with the borrower’s business activity is deductible, while interest paid on personal loans are not deductible.^[16] The major exception here is interest paid on a home mortgage

Secured

2009-06-02T03:49:00.000-07:00

A secured loan is a loan in which the borrower pledges some asset (e.g. a car or property) as collateral for the loan.

A mortgage loan is a very common type of debt instrument, used by many individuals to purchase housing. In this arrangement, the money is used to purchase the property. The financial institution, however, is given security — a lien on the title to the house — until the mortgage is paid off in full. If the borrower defaults on the loan, the bank would have the legal right to repossess the house and sell it, to recover sums owing to it.

In some instances, a loan taken out to purchase a new or used car may be secured by the car, in much the same way as a mortgage is secured by housing. The duration of the loan period is considerably shorter — often corresponding to the useful life of the car. There are two types of auto loans, direct and indirect. A direct auto loan is where a bank gives the loan directly to a consumer. An indirect auto loan is where a car dealership acts as an intermediary between the bank or financial institution and the consumer.

A type of loan especially used in limited partnership agreements is the recourse note.

A stock hedge loan is a special type of securities lending whereby the stock of a borrower is hedged by the lender against loss, using options or other hedging strategies to reduce lender risk.^{[citation needed]}

A pre-settlement loan is a non-recourse debt, this is when a monetary loan is given based on the merit and awardable amount in a lawsuit case. Only certain types of lawsuit cases are eligible for a pre-settlement loan.^{[citation needed]} This is considered a secured non-recourse debt due to the fact if the case reaches a verdict in favor of the defendant the loan is forgiven.

loan

2009-06-02T03:48:00.000-07:00

A loan is a type of debt. Like all debt instruments, a loan entails the redistribution of financial assets over time, between the lender and the borrower.

In a loan, the borrower initially receives or borrows an amount of money, called the principal, from the lender, and is obligated to pay back or repay an equal amount of money to the lender at a later time. Typically, the money is paid back in regular installments, or partial repayments; in an annuity, each installment is the same amount. The loan is generally provided at a cost, referred to as interest on the debt, which provides an incentive for the lender to engage in the loan. In a legal loan, each of these obligations and restrictions is enforced by contract, which can also place the borrower under additional restrictions known as loan covenants. Although this article focuses on monetary loans, in practice any material object might be lent.

Acting as a provider of loans is one of the principal tasks for financial institutions. For other institutions, issuing of debt contracts such as bonds is a typical source of funding

Economic factors

2009-06-02T03:46:00.001-07:00

These include: (a)economic policy, disseminated by government agencies and central banks, (b)economic conditions, generally revealed through economic reports, and other economic indicators.

Economic policy comprises government fiscal policy (budget/spending practices) and monetary policy (the means by which a government's central bank influences the supply and "cost" of money, which is reflected by the level of interest rates).
Economic conditions include:
Government budget deficits or surpluses
The market usually reacts negatively to widening government budget deficits, and positively to narrowing budget deficits. The impact is reflected in the value of a country's currency.
Balance of trade levels and trends
The trade flow between countries illustrates the demand for goods and services, which in turn indicates demand for a country's currency to conduct trade. Surpluses and deficits in trade of goods and services reflect the competitiveness of a nation's economy. For example, trade deficits may have a negative impact on a nation's currency.
Inflation levels and trends
Typically a currency will lose value if there is a high level of inflation in the country or if inflation levels are perceived to be rising [. This is because inflation erodes purchasing power, thus demand, for that particular currency. However, a currency may sometimes strengthen when inflation rises because of expectations that the central bank will raise short-term interest rates to combat rising inflation.
Economic growth and health
Reports such as GDP, employment levels, retail sales, capacity utilization and others, detail the levels of a country's economic growth and health. Generally, the more healthy and robust a country's economy, the better its currency will perform, and the more demand for it there will be.
Productivity of an economy
Increasing productivity in an economy should positively influence the value of its currency. It affects are more prominent if the increase is in the traded sector

Determinants of FX Rates

2009-06-02T03:43:00.001-07:00

The following theories explain the fluctuations in FX rates in a floating exchange rate regime (In a fixed exchange rate regime, FX rates are decided by its government):

(a) International parity conditions viz; purchasing power parity, interest rate parity, Domestic Fisher effect, International Fisher effect. Though to some extent the above theories provide logical explanation for the fluctuations in exchange rates, yet these theories falter as they are based on challengeable assumptions [e.g., free flow of goods, services and capital] which seldom hold true in the real world.

(b) Balance of payments model (see exchange rate). This model, however, focuses largely on tradable goods and services, ignoring the increasing role of global capital flows. It failed to provide any explanation for continuous appreciation of dollar during 1980s and most part of 1990s in face of soaring US current account deficit.

(c) Asset market model (see exchange rate) views currencies as an important asset class for constructing investment portfolios. Assets prices are influenced mostly by people’s willingness to hold the existing quantities of assets, which in turn depends on their expectations on the future worth of these assets. The asset market model of exchange rate determination states that “the exchange rate between two currencies represents the price that just balances the relative supplies of, and demand for, assets denominated in those currencies.”

None of the models developed so far succeed to explain FX rates levels and volatility in the longer time frames. For shorter time frames (less than a few days) algorithm can be devised to predict prices. Large and small institutions and professional individual traders have made consistent profits from it. It is understood from above models that many macroeconomic factors affect the exchange rates and in the end currency prices are a result of dual forces of demand and supply. The world's currency markets can be viewed as a huge melting pot: in a large and ever-changing mix of current events, supply and demand factors are constantly shifting, and the price of one currency in relation to another shifts accordingly. No other market encompasses (and distills) as much of what is going on in the world at any given time as foreign exchange.

Supply and demand for any given currency, and thus its value, are not influenced by any single element, but rather by several. These elements generally fall into three categories: economic factors, political conditions and market psychology.

Trading characteristics

2009-06-02T03:41:00.001-07:00

There is no unified or centrally cleared market for the majority of FX trades, and there is very little cross-border regulation. Due to the over-the-counter (OTC) nature of currency markets, there are rather a number of interconnected marketplaces, where different currencies instruments are traded. This implies that there is not a single exchange rate but rather a number of different rates (prices), depending on what bank or market maker is trading, and where it is. In practice the rates are often very close, otherwise they could be exploited by arbitrageurs instantaneously. Due to London's dominance in the market, a particular currency's quoted price is usually the London market price. A joint venture of the Chicago Mercantile Exchange and Reuters, called Fxmarketspace opened in 2007 and aspired but failed to the role of a central market clearing mechanism.

The main trading center is London, but New York, Tokyo, Hong Kong and Singapore are all important centers as well. Banks throughout the world participate. Currency trading happens continuously throughout the day; as the Asian trading session ends, the European session begins, followed by the North American session and then back to the Asian session, excluding weekends.

Fluctuations in exchange rates are usually caused by actual monetary flows as well as by expectations of changes in monetary flows caused by changes in gross domestic product (GDP) growth, inflation (purchasing power parity theory), interest rates (interest rate parity, Domestic Fisher effect, International Fisher effect), budget and trade deficits or surpluses, large cross-border M&A deals and other macroeconomic conditions. Major news is released publicly, often on scheduled dates, so many people have access to the same news at the same time. However, the large banks have an important advantage; they can see their customers' order flow.

Currencies are traded against one another. Each pair of currencies thus constitutes an individual product and is traditionally noted XXX/YYY, where YYY is the ISO 4217 international three-letter code of the currency into which the price of one unit of XXX is expressed (called base currency). For instance, EUR/USD is the price of the euro expressed in US dollars, as in 1 euro = 1.5465 dollar. Out of convention, the first currency in the pair, the base currency, was the stronger currency at the creation of the pair. The second currency, counter currency, was the weaker currency at the creation of the pair.

The factors affecting XXX will affect both XXX/YYY and XXX/ZZZ. This causes positive currency correlation between XXX/YYY and XXX/ZZZ.

On the spot market, according to the BIS study, the most heavily traded products were:

EUR/USD: 27%
USD/JPY: 13%
GBP/USD (also called sterling or cable): 12%

and the US currency was involved in 86.3% of transactions, followed by the euro (37.0%), the yen (17.0%), and sterling (15.0%) (see table). Note that volume percentages should add up to 200%: 100% for all the sellers and 100% for all the buyers.

Trading in the euro has grown considerably since the currency's creation in January 1999, and how long the foreign exchange market will remain dollar-centered is open to debate. Until recently, trading the euro versus a non-European currency ZZZ would have usually involved two trades: EUR/USD and USD/ZZZ. The exception to this is EUR/JPY, which is an established traded currency pair in the interbank spot market. As the dollar's value has eroded during 2008, interest in using the euro as reference currency for prices in commodities (such as oil), as well as a larger component of foreign reserves by banks, has increased dramatically. Transactions in the currencies of commodity-producing countries, such as AUD, NZD, CAD, have also increased.

Banks

2009-06-02T03:39:00.000-07:00

The interbank market caters for both the majority of commercial turnover and large amounts of speculative trading every day. A large bank may trade billions of dollars daily. Some of this trading is undertaken on behalf of customers, but much is conducted by proprietary desks, trading for the bank's own account. Until recently, foreign exchange brokers did large amounts of business, facilitating interbank trading and matching anonymous counterparts for small fees. Today, however, much of this business has moved on to more efficient electronic systems. The broker squawk box lets traders listen in on ongoing interbank trading and is heard in most trading rooms, but turnover is noticeably smaller than just a few years ago

Market participants

2009-06-02T03:38:00.000-07:00

Unlike a stock market, where all participants have access to the same prices, the foreign exchange market is divided into levels of access. At the top is the inter-bank market, which is made up of the largest investment banking firms. Within the inter-bank market, spreads, which are the difference between the bid and ask prices, are razor sharp and usually unavailable, and not known to players outside the inner circle. The difference between the bid and ask prices widens (from 0-1 pip to 1-2 pips for some currencies such as the EUR). This is due to volume. If a trader can guarantee large numbers of transactions for large amounts, they can demand a smaller difference between the bid and ask price, which is referred to as a better spread. The levels of access that make up the foreign exchange market are determined by the size of the “line” (the amount of money with which they are trading). The top-tier inter-bank market accounts for 53% of all transactions. After that there are usually smaller investment banks, followed by large multi-national corporations (which need to hedge risk and pay employees in different countries), large hedge funds, and even some of the retail FX-metal market makers. According to Galati and Melvin, “Pension funds, insurance companies, mutual funds, and other institutional investors have played an increasingly important role in financial markets in general, and in FX markets in particular, since the early 2000s.” (2004) In addition, he notes, “Hedge funds have grown markedly over the 2001–2004 period in terms of both number and overall size” Central banks also participate in the foreign exchange market to align currencies to their economic needs.

Market size and liquidity

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The foreign exchange market is unique because of

its trading volumes,
the extreme liquidity of the market,
its geographical dispersion,
its long trading hours: 24 hours a day except on weekends (from 22:00 UTC on Sunday until 22:00 UTC Friday),
the variety of factors that affect exchange rates.
the low margins of profit compared with other markets of fixed income (but profits can be high due to very large trading volumes)
the use of leverage

Main foreign exchange market turnover, 1988 - 2007, measured in billions of USD.

As such, it has been referred to as the market closest to the ideal perfect competition, notwithstanding market manipulation by central banks. According to the Bank for International Settlements,^[2] average daily turnover in global foreign exchange markets is estimated at $3.98 trillion. Trading in the world's main financial markets accounted for $3.21 trillion of this. This approximately $3.21 trillion in main foreign exchange market turnover was broken down as follows:

$1.005 trillion in spot transactions
$362 billion in outright forwards
$1.714 trillion in foreign exchange swaps
$129 billion estimated gaps in reporting

Of the $3.98 trillion daily global turnover, trading in London accounted for around $1.36 trillion, or 34.1% of the total, making London by far the global center for foreign exchange. In second and third places respectively, trading in New York accounted for 16.6%, and Tokyo accounted for 6.0%.^[4] In addition to "traditional" turnover, $2.1 trillion was traded in derivatives.

Exchange-traded FX futures contracts were introduced in 1972 at the Chicago Mercantile Exchange and are actively traded relative to most other futures contracts.

Several other developed countries also permit the trading of FX derivative products (like currency futures and options on currency futures) on their exchanges. All these developed countries already have fully convertible capital accounts. Most emerging countries do not permit FX derivative products on their exchanges in view of prevalent controls on the capital accounts. However, a few select emerging countries (e.g., Korea, South Africa, India—[1]; [2]) have already successfully experimented with the currency futures exchanges, despite having some controls on the capital account.

FX futures volume has grown rapidly in recent years, and accounts for about 7% of the total foreign exchange market volume, according to The Wall Street Journal Europe (5/5/06, p. 20).

**Top 10 currency traders** ^[5]
% of overall volume, May 2008
Rank	Name	Volume
1	Deutsche Bank	21.70%
2	UBS AG	15.80%
3	Barclays Capital	9.12%
4	Citi	7.49%
5	Royal Bank of Scotland	7.30%
6	JPMorgan	4.19%
7	HSBC	4.10%
8	Lehman Brothers	3.58%
9	Goldman Sachs	3.47%
10	Morgan Stanley	2.86%

Foreign exchange trading increased by 38% between April 2005 and April 2006 and has more than doubled since 2001. This is largely due to the growing importance of foreign exchange as an asset class and an increase in fund management assets, particularly of hedge funds and pension funds. The diverse selection of execution venues have made it easier for retail traders to trade in the foreign exchange market. In 2006, retail traders constituted over 2% of the whole FX market volumes with an average daily trade volume of over US$50-60 billion (see retail trading platforms).^[6] Because foreign exchange is an OTC market where brokers/dealers negotiate directly with one another, there is no central exchange or clearing house. The biggest geographic trading centre is the UK, primarily London, which according to IFSL estimates has increased its share of global turnover in traditional transactions from 31.3% in April 2004 to 34.1% in April 2007. The ten most active traders account for almost 80% of trading volume, according to the 2008 Euromoney FX survey.^[3] These large international banks continually provide the market with both bid (buy) and ask (sell) prices. The bid/ask spread is the difference between the price at which a bank or market maker will sell ("ask", or "offer") and the price at which a market-maker will buy ("bid") from a wholesale customer. This spread is minimal for actively traded pairs of currencies, usually 0–3 pips. For example, the bid/ask quote of EUR/USD might be 1.2200/1.2203 on a retail broker. Minimum trading size for most deals is usually 100,000 units of base currency, which is a standard "lot".

These spreads might not apply to retail customers at banks, which will routinely mark up the difference to say 1.2100/1.2300 for transfers, or say 1.2000/1.2400 for banknotes or travelers' checks. Spot prices at market makers vary, but on EUR/USD are usually no more than 3 pips wide (i.e., 0.0003). Competition is greatly increased with larger transactions, and pip spreads shrink on the major pairs to as little as 1 to 2 pips.

Foreign exchange market

2009-06-02T03:34:00.000-07:00

The foreign exchange market (currency, forex, or FX) is where currency trading takes place. It is where banks and other official institutions facilitate the buying and selling of foreign currencies. [1]FX transactions typically involve one party purchasing a quantity of one currency in exchange for paying a quantity of another. The foreign exchange market that we see today started evolving during the 1970s when worldover countries gradually switched to floating exchange rate from their erstwhile exchange rate regime, which remained fixed as per the Bretton Woods system till 1971.

Presently, the FX market is one of the largest and most liquid financial markets in the world, and includes trading between large banks, central banks, currency speculators, corporations, governments, and other institutions. The average daily volume in the global foreign exchange and related markets is continuously growing. Traditional daily turnover was reported to be over US$3.2 trillion in April 2007 by the Bank for International Settlements.[2] Since then, the market has continued to grow. According to Euromoney's annual FX Poll, volumes grew a further 41% between 2007 and 2008.[3]

The purpose of FX market is to facilitate trade and investment. The need for a foreign exchange market arises because of the presence of multifarious international currencies such as US Dollar, Pound Sterling, etc., and the need for trading in such currencies.

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2009-05-21T02:38:00.000-07:00

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