That's correct. I did get loans from family, but they are not in the same business. It would not have been possible for me to start without those loans, however.
because a moving average in live trading will be 40 ticks away from price but once it gets into historical charts moving average will be at price.
Do you mean because the moving average is not "set in stone" until after the fact? For example, if you're live trading on a daily chart, you won't know the accurate latest moving average until it's 23 hours 59 minutes old?
it is not a simple matter of putting an indicator and taking buy and sell signals. there is an extremely HIGH level of skill and experience involved in knowing what signals to take. you say you do not have time to spend on intraday charts . do you have time to spend on daily charts ......….on learning about the market? why not concentrate on your own business
I say your experience is getting a little dusty, with all respects do. I use indicators on demo and live accounts and they don't lie, lag or malfunction. If this is happening it's your data provider giving you spoofed prices on demo versus live data. Huge floating spreads also cause that problem. That's why you use a true ECN broker.