Wednesday, August 22, 2012

Online buying and selling has grown tremendously from the prior decade. A new share dealer need to start using a specialist to enter in the investment instructions.


New York Stock Exchange from two blocks away, 05/04/07 by Gary Dunaier


More than likely you are well-aware that an investment in stocks has typically been a very good long-term investment throughout the years. Individual stocks are clearly very viable investment vehicles, but they certainly aren't right for everyone. The purpose of this article is to help individuals decide whether an investment in individual stocks is right for them.

5 questions to ask yourself before investing in individual stocks

1. What are my goals for my investment portfolio?

You need to decide what it is you are looking for from your portfolio. If you are looking to invest for the long-term and are looking for simply the best long-term rate of return from your investment individual stocks may be for you. On the other hand if you looking to preserve already earned income stocks are probably not a good choice for you.

2. Will I be able to do homework on the individual stocks?

Many investors overlook this question, but it is very important to consider. If you want to invest in individual stocks you have to be able to put the time into keeping up with those investments. If you have a portfolio of 5 individual stocks or less you should set aside an hour a week to check the latest information on those companies.

3. How soon will I need the money?

This one is closely associated with question number one. You need to determine whether this investment money is something that you expect to invest and leave it their for money years, or if it will be needed fairly soon. The longer your time frame is, the more likely it is that you should be investing in individual stocks.

4. Do I know enough about stocks?

Let's face it, this is a very important one. Though it may appeal to you greatly to have your own investment portfolio, you have to know what you are doing before diving in head first. If you don't know enough to invest on your own, but want to own stocks, mutual funds are probably a good choice for you. If you want to learn more about investing in stocks, I highly suggest you head over to Investopedia.

5. Do I have the stomach for it?

Stocks are not low risk investments, and if you are looking for a smooth ride then you should just forget investing in individual stocks. Volatility can reach extreme levels during periods of economic recession. Many amateur investors end up getting scared out of the market when the market drops quickly, only to see the market perform quite well after they have gotten out. Ask yourself if you understand the risks of investing in individual stocks.

Investing in individual stocks isn't right for everyone, but I don't want to discourage you from it either. Personally, I invest in many individual stocks and believe it is a great method of investing for a young person with many years until retirement like myself. Ask yourself these questions before you invest in stocks. Are they right for you?


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Tuesday, August 21, 2012

How to make your house Wheelchair offered. Properly the first thing to determine may be the top that you will have got.


Ramps Scramble by zxgirl


If you've own a shed and have ever tried to lug your lawn mower or other heavy equipment into it, you know how back breaking this is. It's probably high time you build a ramp. It's easy to do and save you the strain of heaving that heavy stuff into your shed. You need a little skill with tools and few materials, so you can build a ramp yourself on the cheap.

Make your ramp wide enough to for the equipment you will be moving in and out of your shed. 3 feet is usually enough but I would make it as large as your door on your shed, or even 6 inches or so past the outside of your door.

Cut a 2x6 ledger equal to the width of the ramp. Rip the top so it is beveled to the angle of your ramp. Level the ledger so that its 5 inches below the floor of your shed. Drill three holes into the ledger board and attach it to the shed with 3/8 x 3 inch lag bolts. If you're attaching it to concrete, use ½ x 3 inch redheads.

Measure the height of the shed floor to the ground. For a proper slope that is easy to walk up and haul heavy equipment up, multiply your measurement by 8. For example if your floor to ground height is 10 inches, your ramp is going to be 80 inches long. Cut 3, 2x4 stringers about 6 inches or more longer than your ramps length. This way you have extra when you make your final cuts, so you don't cut your stringers to short.

Rest the 2x4's along the top of the ledger board. Using a square a straight edge, hold it tight against the outside of the ledger board and tight against the side of your stringer. Scribe a mark along the edge. This will be the angle you will need to cut all your stringers. Use the same method along the ground on the other side of your stringer. Cut to the lines and test fit. Once the test board is precise, use it as a pattern to cut the rest of your stringers.

Fasten the 2x4 stringers to the top of your ledger board, one on each end and one in the middle. Attach with 10d galvanized nails by toe nailing into the stringer below and to the sides of your shed. If you're butting against concrete, use tapcons to attach to the slab by periling and screwing in the tapcons.

Cut 2x6 decking boards for the top of the ramp. Measure the width of your ramp and cut your decking boards 1 ½ inches larger than the ramps width. An example is if your ramp is 3 feet wide cut the decking boards 37 ½ inches. This way the decking boards hang over the edges ¾ inches over the sides of your ramp.

Attach your decking boards from the top of the ramp to the bottom. Secure them using 8d galvanized nails or use no. 8 2 inch decking screws. Place each board tight against the other if you are using pressure treated boards, or space using a nail if you are using other materials besides pressure treated such as cedar or other rot resistant wood. The last board should be ripped on a bevel to make a nice transition between the ramp and the ground. You may place patio blocks at the front of the ramp or use gravel.

A nice ramp for all your hauling and equipment should now be complete. You can stain or paint the wood to match your shed. The ramp should last for years to come and save your back for years as well!


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Monday, August 20, 2012

What exactly is the Stock Market? It's an organized program exactly where everyone along with anyone may possibly purchase or perhaps promote their shares or explains to you


Keith_Springer_Stock_Market_Analysis by Keith Springer


As your frustrations mount in an ever changing stock market have you changed your investment strategy? Do you wonder who is making money in the market and how they do it? Do you read a constant flow of books teaching the hot ideas of stock market strategies? In desperation do you listen to the constant bombardment of market gurus on the financial channels?

If you see yourself in any of the above scenarios you will benefit from the 4 principles to picking winning stocks in todays stock markets. Why? Because there are an endless amount of variables that effect your investments and you need some guiding principles which we call tactical principles. These are different from strategies you employ such as buying stocks that pay dividends or diversifying your portfolio. These principles have helped all professionals stay close to profits in down markets while creating large gains in up markets.

Invest in Financially Sound Companies

Companies whose products you see everyday is a great place to start. Do you buy Clorox bleach, Campbell's soups, Dell computers, Apple iPhone or see Caterpillar equipment. They are good examples of financially sound companies. What makes a company sound financially?

To start with always look to see how their price earnings or PE ratio compares with others in the same industry. If they lag a little bit it could be because they are overlooked or if they lag a lot maybe they are in financial trouble. Read news releases, search financial websites for articles on the company and don't forget to look at the company website.

If they pay a dividend then how safe is that dividend? Is the payout ration lower then 50%? If it is then you can bet it will pay that dividend or higher for a long time. The payout ratio is the annual dividend divided by the earnings per share.

Another key ratio is the debt ratio. This tells you how much debt they have in comparison to their assets. I like to compare their debt payments to their cash flow to see how much they struggle making that payment.

Earnings and revenues are key components in a sound financial company. Do they consistently make their quarterly numbers? If so they operate under a sound conservative financial plan of operations and have a great handle on their business.

All publicly traded companies must file with the SEC so all their financial documents are available for free. Review them thoroughly. This will help you sleep at night I promise.

Invest in Sectors that are Hot

Right now technology is a hot sector because of the mobile internet and health care is not because of new government regulations curbing expenses. Although we encourage diversification we feel that you can achieve diversification through the top 6-7 sectors that are hot right now.

Under a zero interest rate environment with the federal reserve we believe that materials, industrial equipment, technology, energy, chemicals, consumer staples, and banking are the sectors to be in at the moment.

As the recessionary recovery continues those sectors will change and mature and so should your investments.

Take Profits Early and Often

Over the years I have become a proponent of taking profits early and often. Why? Because of computer or flash trading. The market can react so quick that your investments with a nice profit can become a loser in a matter of seconds. Take for instance the recent drop in the market that left P&G down from $62 a share to $30 a share due to broker error on entering a large order in the system. Sure the SEC rescinded some trades but you get the point, it happens in a flash.

Have a goal in mind for the year. Mine is 20% return on the value of my portfolio on January 1st.

A good guide as to what constitutes a good profit is when it exceeds the dividend for the year. If you own a stock that will pay you annually $300 and you have a $400 dollar profit then take the profit and trade out of the stock. Chances are it will fall back in price and you can repurchase again and again. I have repurchased Apple Computers probably 4 times this year alone in my IRA making money each time. If like Apple they don't pay a dividend assume a 3% dividend as a basis to explore reasonable profits.

Always... Always... Have Cash Available

Always try and maintain a 10% minimum cash position for special occasions. Once in a while a certain stock will for no apparent reason drop in value. It usually happens because a mutual fund or a hedge fund must liquidate a position to satisfy cash flow requirements or to pay out a large redemption.

Don't assume you should always be 90% invested. Only invest when you can buy low and make a profit when you sell high. Sometimes you may only be 40% invested just wait till the market drops 3% or more then review the investments in light of the drop.

If you institute these simple stock picking tactics in your investment portfolio you will be surprised at the returns and lack of loses you will endure compared to a buy and hold or trying to grow your portfolio using high risk small cap stocks.


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Stocks using low price/book proportions or maybe price/earnings rates. Until recently, price stocks get liked larger common results than development futures (futures with substantial price/book or maybe P/E proportions) in many different nations


The Stock Market interiors by _gem_


Just over 20 years ago, mathematician Jim Miekka created The Hindenburg Omen. Nothing to do with the big German airship that burst into flames in the 30s, The Hindenburg Omen is supposed to be a predictor of a stock market crash. It basically says that during a normal period (and there's not much agreement on what period in the NYSE is ever classified as truly 'normal') a large number of stocks may set new annual highs or new annual lows, but at different times. If however this happens at the same time, then this is a good indicator the stock market is going to crash. Thus The Hindenburg Omen.

But, is The Hindenburg Omen something you should be paying attention to? Does it really accurately predict a stock market crash? No, it doesn't. And here's why.

Prediction is Only 24% Accurate - Since The Hindenburg Omen was first triggered back in 1987, it has only been correct 24% of the time. Yes, you read that correctly - less than 1 in 4. Now, as someone who follows the stock market relatively closely, I can give you a prediction the stock market will crash this month with a 50% accuracy rate. Either it will, or it won't. So a predictor like The Hindenburg Omen that's only been correct a handful of times, even though market conditions have triggered it many times, is worse than useless. Any 'expert' on CNN or MSNBC has a better success rate than that.

Self-Fulfilling Prophecy - Of course, every time The Hindenburg Omen is triggered, the market falls. Why? Because investors, who are known to panic and sell quickly at even the smell of bad news, panic and sell quickly. That drags the stock market down until investors who are smarter, buy back in at a lower price, thus almost guaranteeing themselves a hefty profit. With The Hindenburg Omen being triggered four times this month, the stock market has fallen. Will it go back up? Of course it will. It always does.

Recent Hindenburg Omen Triggers - Market conditions have triggered The Hindenburg Omen four times in the last three weeks. Beginning on August 12th, then again on the 20th, 24th and 25th of August. Yet, so far, no stock market crash. Sure, the stock market went down, then went right back up, to go down again and on and on. That's a normal stock market and nothing indicates, as yet, it's anything different that would cause a stock market crash.

The Omen That Cried Wolf - The more times The Hindenburg Omen is triggered, the less effective it is. It's now been triggered four times this month but there's still no stock market crash in sight. The more it does this, the less investors are going to listen, the more they'll buy in and the more useless The Hindenburg Omen is. Finally having the opposite effect of the real 'boy who cried wolf story', as stock market crashes not happening will bolster investor confidence and ensure that they don't.

Polls Show Most Still Invest in Stock Market - Even after The Hindenburg Omen was triggered four times this month, polls still show most investors think it's better putting your money in stocks than in bonds. And many said they weren't going to let something like The Hindenburg Omen stop them from investing in the stock market. Now they are the smart investors.

Sources:

The HIndenburg Omen is seen: Will a stock market crash follow? - Daily Finance

What exactly is The Hindenburg Omen? - CNBC (with video analysis)


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Monday, August 13, 2012

What is a the particular Wall street game? It really is a great prepared technique wherever anybody and everybody can easily possibly purchase or maybe promote their particular futures or maybe stocks


Chpt5-SecE: How Do I Sell and Collect My Money? by palynp


One of the handiest skills that I learned from obtaining an accounting degree is to properly read a corporate financial statement. This article will help you to better understand why it is important to learn to read a financial statement. This skill can come in very handy if you would like to begin investing in stocks. In fact, reading a financial statement is extremely important if you want to invest in stocks.

To the untrained eye, a financial statement can seem very complicated and overwhelming. The first step to understanding a financial statement is to understand the numerous ratios, which can be used to interpret the financial health of a company. Each ratio has a specific purpose and is derived by dividing a defined set of numbers by another set of numbers.

The purpose behind the deciphering a financial statement is twofold. The first purpose is to compare the company's current performance compared to its previous performance. Also, deciphering the financial statement is useful in comparing companies of different sizes. A large company on paper can look much more impressive compared to the smaller company. However, once some calculations and ratios are compared, the smaller company may actually be a better investment.

Using ratios will help to negate the effect of the larger sales revenue or net income a larger company would probably have. In other words, a security company which had $6 billion in sales, at first glance, may look more impressive than a smaller company that only had $3 million in sales. However, digging deeper by using ratios, you may determine the smaller company is in better financial health than the larger company.

You probably won't find a large amount of ratios calculated for you in financial reports. In fact, a company which has publicly traded stocks is required by the SEC to disclose only one ratio. That ratio is known as the earnings per share ratio, also known as the EPS. Privately owned companies, generally speaking, do not have to disclose any type of ratio in their financial statements.

It's important to realize that ratios should only be used as a guide. There are good for indicating a company's current financial health. However, they shouldn't be relied on as a sole source of information, to make an investment decision with.

An extremely telling ratio about how profitable a company is, is the gross margin ratio. This ratio is calculated by dividing the gross margin by the sales revenue. The bad news is, no company includes margin information in any form of documentation outside the company. Margin figures for company are proprietary. This information is withheld to protect it from the competition.

One handy ratio, you can use to calculate the bottom line of the company, is the profit ratio. This ratio will show you how much net income was earned per $100 of revenue obtained. The standard percentage through most industries is 5% to 10%. Within extremely competitive industries, a profit ratio of 1% is an uncommon. A good example of this would be grocery store chains.



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Wednesday, August 8, 2012

Understanding This Share Selection Buying and selling System


trade2race online trade games by b.tzachi


Many of the tools stock trading investors use are varied. The one thing that everyone who trades stocks online uses is stock trading software. However, so many different kinds are on the market today that one does not know which one to choose. If a person does a quick internet search, then several different kinds will appear. But, some of the best ones on the net include Wizetrade, Oz scanner, and the software that professional trading brokerages use.

Wizetrade offers wonderful tools stock trading gurus can use. Their stock trading software conducts real time stock trend analysis for the investor. They also offer easy to follow lights that help perform decision analysis to help identify potential problems. Should a novice get completely confused, then the tools stock trading Wizetrade offers a person can have direct access with an integrated broker. The website is very easy to navigate, and Wizetrade is one stock trading software that is recognized by even the most successful investors. The only drawback to this program is the cost. At a whopping $5,000, a novice beginner will think twice before investing with Wizetrade. This one of the tools stock trading gurus only need to purchase.

Another type of stock trading software that offers tools stock trading individuals can use is the Oz Scanner. According to their website, "The Oz Scanner stock trading software applies technical screening formulas to a large population of stocks. It then returns a list of stocks that meet a pre-determined filter criteria associated with those formulas throughout the trading day". They also offer alerts that can be a great stock trading strategy to even the beginner investor. If purchased, they also offer a free stock trading newsletter. The best thing about the Oz Scanner is that it only has a low monthly fee of twenty dollars which most people can afford to splurge on.

If these two types of stock trading software do not tickle an investor's fancy, then perhaps they should contact a professional brokerage house such as E*TRADE, Fidelity, or Scottrade. Any of these brokers can offer solid advice with a guarantee. And the best part is that they do not charge a huge amount of money to trade options. They even offer the investor educational tools to help enrich a person's tools stock trading investors use.

Many tools stock trading individuals can use are just a click away. Of course, everything depends on how much money a person is willing to invest. If someone is willing to splurge and spend a good amount of money, then software like Wizetrade is best for them. Otherwise, the Oz Scanner or places such as E*TRADE will suit most people's needs.



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Wednesday, August 1, 2012

Easy methods to increase home handiness for the physically disabled and elderly


Wheelchair Ramp Rentals by bflosab


For most of our adult lives my husband and I had wanted to build a house. It took his stroke for us to finally take the plunge. We really had no choice. The two houses that we owned were not good candidates to retrofit for Don's newly acquired needs and there were virtually no wheelchair accessible houses on the market.

Finding a builder who was knowledgeable about Universal Design in a town of 600,000 should have been easy---after all, the concept has been around since the 1980s---but it wasn't. The Home Builder's Association only listed one builder who specialized in that market niche and although his houses were beautiful, customized homes his starting price was twice what we had wanted to spend. But he was passionate about building for the disabled and even though he knew we couldn't afford his services he was generous with his time and he gave us the confidence we needed to go forward with our project.

All totaled, we called twelve well-known builders. Some had never heard of the term Universal Design. We were shocked! Other builders never returned our calls which, we believe, was a form of prejudge against the disabled. The building company we finally went with had built three wheelchair accessible houses, so they said, but we quickly found out that we had to bring our own research in to the design stage of the project. They were willing and able, but we were the experts when it came to Don's special needs.

Universal Design is not rocket science, but there is a wide variety of choices and decisions to be made. Just as every disability is different, every house for the disabled will be different based on the options taken and the budget you have to work within. The core, essential features of Universal Design homes are:

* at least one no-step entry way
* one floor living (or a budget for an elevator or chair lift)
* 36" exterior and interior doorways
* thresholds on the doorways that are flush with the floor
* a roll-under sink in the bathroom
* reinforced bathroom walls around the toilet and tub for the grab bars
* four foot wide hallways
* a five foot open radius in the centers of the bathroom and kitchen
* a roll-in shower stall or transfer tub that fits the special needs of your disability

In additions to above requirements, there are many optional features that can be incorporated into home to make it easier for someone with a disability. A few optional features of Universal Design that we included through out our house were: 1) lever-style door handles; 2) lower windowsills than the norm, so that Don gets a better view from a seated position; 3) single lever faucet handles; and 4) the carpeted rooms have a very short looped carpet with a dense commercial grade padding underneath that is glued on both sides. (The wrong choice of carpeting and padding can make it difficult-to-impossible for wheelchair and walker users.)

In the kitchen, a side-by-side refrigerate is a must-have for people in wheelchairs. We also included two microwaves---one low for Don, one high for me. The cupboard below our kitchen sink opens up fully from the countertop to the floor so that Don can get his wheelchair up under the sink. A section of our countertop is also open underneath and lower so that Don has a work station in the kitchen. There are many Universal Design options available for a kitchen including hydrolytic cabinets that go up and down and oven doors that open from side to side but this is an area of planning that will quickly drive up the cost of your home. The few options that we did include in the kitchen fit our life style perfectly with a minimal impact on our budget.

Our garage takes advantage of several common Universal Design features. The overhead doors are eight foot high, instead of the standard seven so that a pop-up van will fit. The garage is also large enough to unload a wheelchair from the side or the back of a van. We also have a parking space for an electric wheel chair with an outlet for the charger and a grab bar for transfers. Our electrical service box is in the garage instead of the standard basement placement. Another feature that is a favorite of Don's is that the entire garage floor is a gently slope.

This eliminates the need for a wooden ramp. To push himself around in his manual chair, Don only has the use of one arm and one leg and with a conventional ramp he would not have been able to roam freely from the house to the garage without my help. Our front sidewalk uses the same gentle sloping principl, so there is no visible ramp advertising that a disabled person lives within.

Anyone who is thinking of building a Universal Design house will find building component for the disabled all over the internet. A few books and magazines of plans are also available. Your local rehab hospital may also put out a pamphlet; ours did, as did the local Home Builder's Association. Most helpful was our local Advocates for the Disabled office; they had a specialist in Universal Design, disabilities and local building codes who reviewed our plans free of charge and made suggestions.

He also gave us a scale model wheelchair to run around the blueprint to look for ways to fine tune things like the swing of the doors, furniture and outlet placements, turn spaces for the wheelchair, etc. This was a very useful little tool. We also had my husband's occupational therapist go over the master bath plans so that we got it just right for his needs. (For resale purposes, we set up the master bath for a right-side disability and our spare bath is set up for a left-side disability but we've been told that most Universal Design houses sell by word of mouth---before they hit the open market---so resale value is not really an issue with these houses.)

If you decide to build a Universal Design house, my advice would be to start your research early and take your time doing it. Don't just build for what your disability is today, think down the road ten or fifteen years. Don't sign off on your blueprint until you are satisfied with your choice of options and the price. The Universal Design features that we included added just under $4,000 above the cost of building a conventional house and it was tax deductible.

A house built for a disabled person does not need to look any different from its neighboring houses. If you didn't see the grab bars in our bathrooms, no one would ever guess that our home is Universal Design. I honestly don't understand why able-bodied baby boomers who are building don't have the foresight to incorporate Universal Design into their plans. Even now that the house is almost a year old, we still can't believe that this beautiful, well-thought out and functional perfect house is really ours. Our only regret is that it took a stroke to get it built. ©



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Crossroads GPS: &quot;<b>News</b>&quot; - YouTube

Tell President Obama: for real job growth, stop spending and cut the debt.

Crossroads GPS: &quot;<b>News</b>&quot; - YouTube

The Daily Lays Off a Third of Its Staff - AllThingsD

News Corp. officials have publicly defended The Daily, which News Corp. CEO Rupert Murdoch thought would serve as a template for newspapers' transition to the tablet era. Murdoch's team worked closely with Apple and its ...

The Daily Lays Off a Third of Its Staff - AllThingsD

Knight Science Journalism Program at MIT

... among science journalists — but the new site will have more audio and video, more information on our Fellows, and a gradually-growing set of Knight Science Journalism Trackers to follow science and health news daily.

Knight Science Journalism Program at MIT