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December corn posted a sharp loss on the day, which took the contract to its lowest level since August 12th. The market pulled back from its lows into the close, but it still managed to end at its lowest level since August 6th. Traders said that lower crude oil helped to pressure the market today, along with selling in an array of commodity and equity markets that was based on renewed concern over the pace of the economy in the US. The weakening economic outlook has some traders and analysts concerned because the majority of US corn demand comes from ethanol and feed usage in the US, which could be adversely affected by a slowing economy and/or lower crude oil. One analyst notes that the recent rally has been sparked in large part by export demand, which constitutes 2.05 billion bushels of projected usage in 2010/11. In contrast, ethanol and domestic feed usage are expected to account for 10.05 billion bushels in 2010/11. An Israeli firm is tendering for 34,000 tonnes of US corn products, up to 24,000 tonnes of it US, and 7,000 tonnes of meal, according to European traders. The Canadian Wheat Board is projecting increased demand for feed barley this year to replace lost feed barley and wheat from the Black Sea region.

September Corn ended 12 lower at 405 1/4, 5 1/2 up from the low and 10 3/4 off the high. December Corn closed down 12 1/4 at 420 1/2. This was 5 1/4 up from the low and 11 off the high.

November Rice settled 0.1 lower at 11.525, 0.115 off the high and 0.085 up from the low.

8-24-10 – Wheat Market Recap Report

December wheat moved lower early in the overnight session and then made new lows to start the day session, and again in late morning before pulling back from the lows into early afternoon. Traders said that the selling began with a higher dollar and improved moisture levels in Russia ahead of the winter wheat planting season there. Weak economic housing data in the US also helped to pressure the market, and prices stayed lower even after the dollar sold off to lower levels prior to the start of the day session. Unwelcome rains continue in Germany into the harvest season. Germany suffered intense heat and some drought this summer which reduced yields and harvest season rains are expected to reduce quality. Germany is the second largest wheat producer in the EU after France and it is a major exporter. Buyers in North Africa and the Middle East have been turning to France and Germany in recent weeks to replace wheat from the Black Sea. Some analysts are calling for a reduction of more than 5.5 million tonnes in German production from last year’s 49.7 million tonnes.

September Wheat finished 17 1/2 lower at 674 3/4, 18 1/4 off the high and 6 1/2 up from the low. December Wheat closed down 17 3/4 at 707 3/4. This was 18 1/2 off the high and 6 1/4 up from the low.

December Oats closed 10 1/2 lower at 274 1/2. This was 1 up from the low and 10 3/4 off the high.

Soybean Complex Market Analysis  for 8-24-10

November Soybeans finished down 6 1/2 at 999, 5 1/4 up from the low and 9 1/4 off the high.

December Soybean Oil finished up 0.24 at 40.06, 0.56 up from the low and 0.09 off the high.

December Soymeal closed 5.2 lower at 289.7. This was 0.7 up from the low and 5.5 off the high.

November soybeans sold off today amid widespread selling in commodity and equity markets. In doing so, the November contract took out the previous day’s lows for the 7th straight session. However, the low for the day came at the start of the day session, and soybeans trimmed their losses into mid session before settling well off their lows. Meal led the complex lower, posting a series of new lows over the course of the overnight and day sessions before settling near its lows for the day in the December contract. Soy oil managed to post a gain on the day despite a substantial sell off in crude oil, and traders credited this in part to support from spreading versus meal. Today’s action followed an unexpected 2% drop in the good-to-excellent rating for the US soybean crop on yesterday’s Crop Progress report from the USDA. The weather outlook in the US is mostly dry and cooler this week, which is welcome in the west. Growing areas in the SE could use more rain. Growing areas in NE China are expected to see heavy and unwelcome rains over the next 10 days with cool temperatures and limited sunshine.

November soybeans sold off today in the middle of widespread selling in commodity and equity markets. In doing so, the November contract took out the previous day’s lows for the 7th straight session. However, the low for the day came at the start of the day session, and soybeans trimmed their losses into mid session before settling well off their lows. Meal led the complex lower, posting a series of new lows over the course of the overnight and day sessions before settling near its lows for the day in the December contract. Soy oil managed to post a gain on the day despite a substantial sell off in crude oil, and traders credited this in part to support from spreading versus meal. Today’s action followed an unexpected 2% drop in the good-to-excellent rating for the US soybean crop on yesterday’s Crop Progress report from the USDA. The weather outlook in the US is mostly dry and cooler this week, which is welcome in the west. Growing areas in the SE could use more rain. Growing areas in NE China are expected to see heavy and unwelcome rains over the next 10 days with cool temperatures and limited sunshine.

November Soybeans ended down 6 1/2 at 999, 5 1/4 up from the low and 9 1/4 off the high.

December Soymeal settled 5.2 lower at 289.7. This was 0.7 up from the low and 5.5 off the high.

December Soybean Oil finished 0.24 higher at 40.06, 0.09 off the high and 0.56 up from the low.

After reading ï»¿today’s recap,traders might want to take a peek at the commercial traders  momentum.  The Commercial Trader momentum can be tracked by using the Commodity Futures Trading Commission Commitment of Traders reports.  Our idea is that, in a value driven commodity futures market no one knows fair value like the people who produce it or, have to use it.  In fact, it is precisely their sense of value that provides the commodity market’s rhythmic meanderings that swing traders love so much.  Let’s face it, producers know when their product is overvalue and it should be sold just as well as end line users know when they should be stocking up at low prices.  Therefore, trader should be able to incorporate this valuable information into their future market education.

The daily commentaries provide an analysis of the factors that influenced price activity, a recap of any reports released that day, a review of each commodity’s traded price activity, and a look ahead at the next day’s schedule.  Market commentaries for wheat, soybeans, corn, gold and silver are provided by CME Group.   The information in the Market Commentaries was obtained from sources believed to be reliable, but we do not guarantee its accuracy. Neither the information nor any opinion expressed therein constitutes a solicitation of the purchase or sale of any futures or options contracts.

This blog is published by Andy Waldock.  Andy Waldock is a financial advisor, asset manager, trader, analyst and brokerfor Commodity & Derivative Advisors, located in Sandusky, Ohio.  Therefore, Andy Waldock may have positions for himself, his family, or his customers in any commodity future market discussed. The blog is meant to develop a dialogue and educate those with an interest in the commodity future markets. The commodity markets employ a high degree of leverage and commodity trading  may not be advisable for all investors.  There is substantial risk in investing in commodity futures.  If you are interested in reading other published articles, commenting  on his writings or subscribing to Andy’s blog, please visit http://blog.commodityandderivativeadv.com, or if you have any questions, please call 1-866-990-0777.

Home Improvement Tax Deductions

Tax Deductible Home Improvements

If you have wandered into the land of home improvement projects, you’re in for some good news. Did you know home improvements are tax deductible? The trick is to know which improvements for the home are tax deductible and which ones are not.

Okay here we go. The criteria for qualifying as a home improvement is to “Substantially Improve Your Home.”

For Example:

• If it adds to the value of your home
• Prolongs your home’s useful life.
• Adapts your home to new uses

These improvements do not qualify:

• A simple repaint job. (unless part of a renovation that ”substantially improves “ your home)
• Repairs that maintain your home in good repair.

I think you get the idea now. If you happened to take out a loan and it wasn’t used to buy, build, or substantially improve your home, then it may qualify as a home equity debt. That’s a whole different topic and doesn’t fall into the improvement category.

Medical Expenses

Home improvements made to your home because of a medical necessity are tax deductible. You must keep in mind the fact that your deductions will have to exceed your earnings by 7.5%. Some of us know how quickly home improvements can add up especially for serious medical situations. The tax deductions can be a bit of good news during a difficult time in your life.

Here are some qualifying tax deductible home improvements:

• Wheel chair ramps
• Bathroom railings
• Elevators
• Lowering light switches

Energy Efficiency:

• Energy efficient windows
• Improved insulation
• Solar powered water heater

Learn More about Tax Deductions

I’ve given you some ideas on how you can improve your home and deduct the expenses from your income tax return. Learn more about tax deductions for home improvements.

If you would like to learn even more, then I suggest you visit TurboTax Online for a comprehensive list of all of the deductions you can take advantage of. The Tax Experts at TurboTax Online will scour your tax return for over 350 deductions. Don’t miss a single one!

When you are thinking of getting credit-card, mortgage or otherwise any a car loan, then it is perhaps a good idea to check out your fico rank figure and file with credit score reporting agency firstly. Another example is that if you ask for a loan or a mortgage and further you will get this application rejected, then this query on your credit record may be traced out by some particular lenders who you may want to address in the future. This situation may put them off borrowing money to yourself as repeated requests can injure your rank number. Are there any methods to detect what your credit ranking is if you did not already know how. When you occur to be economically associated to another person who gets a bad credit file then such possibly will not be obvious from viewing your credit rank figure as supplied by the credit departments. When you request your credit ranking at TransUnion, Experian or EquiFax then they will just consider your personal credit record. You should as well be alert that creditors might determine your credit score figure another way than the credit statement agencies. But is seven hundred deemed a fit credit score number? Seven hundred is reasonably typical of a rank. The likelihood is that when such is your credit rank number than you shouldn’t be scared since it may be mended. If you get a rank number of six hundred and fifty for instance, it can positively require a little mending. Whatever work that you accomplish to improve the credit rank number is sensible and will provide in your acquiring a mortgage at a better interest score and moneyleaders will be more tending to help you. If we explore a quantity of techniques that you can use to get your credit rank over seven hundred and perhaps higher.

At the instant that you eventually decide to improve your credit score above some particular figure that you think to be inappropriate to your desired credit standing, then make sure in that you try to follow a proven strategy that, if proves successful, will bring in the chance for you to be capable to have access to credit at an appropriate interest. That is something that you must achieve independently and there is no need to use someone else in order to make this for you. If you have a seven hundred credit score number it is truly quite fine. This nevertheless you should not understand that you can not catch up on your score and make yourself a tempting customer to consumer credit lenders such as various loan institutions and also banks.

Can you remember those good times when practically anybody could take a loan if one needed funds? And just imagine the condition of those who have to carry that burden nowadays when the economy is facing tough times. And for those people having loans the matter of credit report monitoring is as crucial now as never before. It is not only about credit monitoring, this also allows to save money, time, and nerves and be fast in solving loan related issues. Those who are looking for a place where to find out about credit report with score, are invited to go to this credit report monitoring site – there is much information about loan monitoring and how to order that service.

Also we haven’t forget about possibilities given to us by digital technologies. The Web network provides us with a truly unique chance to discover what we want or to get anything on the best terms which are available on the market.

Now it is very critical getting a top credit ranking figure and file. Analysis and rank numbers determine if a lender is going to let you have access to funds at a proper returns. When you have an extremely poor credit history then in such case it is doubtful that anyone will be ready to loan you any money at all, seeing that you are going to be considered an extreme danger to lenders and they will consider you are less possible to maintain the expenses than if a person having an enhanced record of administrating their balances. You must as well be aware that lenders may calculate your credit ranking another way than the credit statement bureaus. When you request your credit ranking at either Experian, EquiFax or EquiUnion they are going to only consider your private credit file. When you occur to be economically related to another entity who has a poor credit account then such possibly will not be apparent by viewing your credit score number as provided by credit offices. So is seven hundred credit rank figure considered to be a fit? Let us illustrate the situation: For example, you have a joint account with your partner and they got a bad history of managing their arrears, then this may possibly influence poorly upon you, and so you may find it hard to obtain loans. Is six hundred a good credit ranking figure? A seven hundred credit rank figure is pretty good. A credit rank larger than six hundred is great, but everything lower than the six zero zero level is not that good. The typical scope of values that credit rankings figures can be are someplace within three hundred and eight hundred for the greater figure. Although these values are quite excessive.

In conclusion: When you got a six zero zero credit rank it is essentially fairly fine. This however should not imply that you may not get better on it and grow a more attractive prospect to consumer credit providers for example banks and as well credit institutions. When you really make your mind up to raise the credit rank figure above six zero zero, then take care in that you go after a proven system which, if successful, will bring in the possibility for you to be able to make use of credit at a good commission rate. That is a thing that you may do on your own and you should not use anyone else to perform this for you.

Can you remember those good times when anybody could take a loan if one required cash? And just imagine the state of those who have to bear that burden nowadays when the economy is facing tough times. And for those people having loans the issue of credit report monitoring is as urgent now as never before. It is not only about loan control, this also allows to save money, time, and nerves and be fast in solving loan related issues. Those who are searching for a spot where to learn about credit reports, are invited to go to this credit report monitoring site – there is much information about loan monitoring and how to order that service.

Also we haven’t forget about possibilities given to us by digital technologies. The online network provides us with a truly unique opportunity to discover what we require or to obtain anything at the best price on the market.

Understanding Mortgage Refinancing

The concept of refinancing could be very simple. The truth is, the method is identical as making use of for the original loan. Homeowners must choose a mortgage lender, either the identical lender or a different one. Complete an utility, look ahead to approval, and attend a loan closing. As a result of refinancing creates a brand new mortgage, buyers should re-qualify. Most householders will qualify for a refinancing. If the house has gained fairness, others may even qualify for a cash-out option.

What is a Cash-Out Refi Loan?

Refinancing a mortgage mortgage and acquiring cash at closing occurs when a house owner chooses to borrow money from their equity. The quantity a borrower can obtain depends on the fairness amount, and their income. For instance, if the present mortgage balance is $100,000, and the property is appraised at $a hundred and forty,000, the home-owner might qualify for up to $40,000 with a cash-out option. Thus, the brand new mortgage steadiness will increase.

Disadvantages of Mortgage Refinancing

Although refinancing has a number of benefits, there are particular risks related to this option. For instance, due to rising property values, many owners are borrowing money in opposition to their equity. While preferrred for paying off money owed and making home enhancements, borrowing from the fairness will be harmful if house values decline. On this case, the mortgage balance might exceed market worth, which might make selling the property difficult.

Additionally, householders are required to pay closing or settlement fees when refinancing their dwelling loans. If refinancing for a decrease interest rate, the monthly savings will not be worth the expense of refinancing. Householders can decrease prices by refinancing with the same mortgage lender. As a tactic for retaining customers, the lender could also be prepared to waive certain fees.

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