On the internet buying and selling has grown on an ongoing basis inside the earlier 10 years. A inventory broker need to work with a dealer to help get into their particular investment instructions.

A common concern among those who buy stocks, especially in our volatile times, is how to reduce the risk that comes with owning stocks. How does one reduce the risk that one of your picks could sour and significantly reduce the overall value of your stock portfolio? This concern has been increased by investment disasters like Enron (which became a stock worth nothing) and the current bundled credit crisis. With the fears of bad times ahead, investors need to be aware of the basic strategies that ensure that a single bad pick will not completely destroy the value of their's investment portfolio.

Investors have been concerned with this problem for decades. In 1949, Benjamin Graham (mentor of Warren Buffett) wrote in "The Intelligent Investor" that one of the best solutions was to diversify one's stock portfolio.

The way that diversification works is that it spreads the risk among many stocks instead of having it concentrated into just one investment. Investing in just one stock is, as the old saying goes, putting all your eggs into one basket. By investing in more than one stock, you lessen the possibility that a single bad pick will wipe out your entire portfolio.

Diversification comes with its own investment concern. By spreading out your investment money among several stocks, you lessen the risk that a single stock's failure will ruin you; but you also decrease the benefit that a stock price increase will give you if you picked correctly. The logic says that if two stocks are better than one, then three, four or a hundred stocks are even better. Yet by spreading your investment over several stocks, you own less of any particular stock, so runs of good luck benefit you less. It is possible that you can spread your investments too thin.

So the question becomes "How many different stocks are necessary to adequately reduce risk, and at what point does the benefit of reduced risk level off?"

The answer that Benjamin Graham came up with in 1949 was that fifteen stocks was sufficient; later in 1968, he revised his answer to just ten stocks. The reason for the limit is that a portfolio of fifty stocks, according to Graham, is not significantly safer than a portfolio that contains only twenty stocks. By the time that you have diversified your portfolio with twenty-five stocks, you have reduced your risk by eighty percent, and the addition of another stock will not shift the risk much lower. Owning a hundred stocks will cut your risk by ninety percent, and it would take four hundred stocks to cut your risk by ninety-five percent. Unless one is totally adverse to risk (in which case, you should not be investing in the stock market in the first place), twenty-five stocks will dilate the amount to an acceptable level.

Reference: Ric Edelman. "The Lies About Money." New York: Free Press (2007).

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How to make simple your home Wheelchair obtainable. Nicely the first thing to ascertain could be the level that you're going to include.

People build ramps for all kinds of purposes and out of all kinds of materials (i.e., concrete ramps, wooden ramps and skateboard ramps, wheelchair ramps, etc.). Ultimately, the purpose of the ramp will determine the nature of the ramp. But when you build it, you need to keep the 345 triangle in mind for the basic design. Here are some basics regarding the fundamentals of building a wheelchair ramp.

There is no cut and dry rules that determine the slope and the material of your ramp. You need to look at the purpose of the ramp to guide you. If you are looking for standards, look no further than the US disabilities standard. They confirm to the 1:20 rule which prescribes that for every inch of rise, a run of twelve inches is required. The layout and plan is a most important part of building a ramp. One thing that you need to keep in mind is the fact that you need to nail the measurements the first time that you take them. The idea is to make several measurements and a single cut.

Once you finish the layout, it is time to think about the correct procedures in your state. Each state has its own code and building regulations and you need to confer with the local building authority to make sure that you have got it right. For instance, the turnaround platforms need to have footings on all four corners. And you need to place these footings with a spacing of five feet. If your area has a frost line, make sure that you dig the footings at least four inches below the frost line.

Use a Sona tube or any other cone shaped tube and place it into the footing such that a few inches of the tube will be seen above surface. Pour cement into the tube and make sure that the posting wood is soil contact treated. All that needs to be done is to lay the ramp on to the posts and place cross joists at each of the posts.

The wood that you use for the decking also needs to withstand rot. You need to use pressure treated wood to make sure of this fact. The wood may shrink over time as a result the water rum off area is not a big priority here. But you can use nails between the decks for safety and the railings should be as per regulation.

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What exactly is the Stock Market? It really is the organized process exactly where everyone and also every person could either obtain or even advertise his or her stocks as well as stocks

The character Crazy Eyes in the film "Mr. Deeds" comments that "I watch the stock market channel all the time." The character distrusts the host of the channel and suspects that others are falling for false information, but Crazy Eyes is not as gullible. Watching programming may not help your stock picks, but knowing a little about the history of the stock market might improve your odds for investments. The stock market has offered a place for legal speculation since 1792 and it has a strong lure for many investors who may or may not know a few interesting facts about its history.



Origins

The Buttonwood Agreement of 1792 established the foundation for the modern day stock market in the United States. The earliest firms created government bonds and bank stocks the same year. The New York Stock Exchange formally organized in 1817 with just 24 brokerage firms with two open trading sessions that included reading the stock offerings on a public floor of a local Wall Street coffee house. The Dow Jones Industrial Average started business in 1896. The NASDAQ, a stock exchange based on electronic transfers, opened for trading in 1971 and this exchanged combined with the American Stock Exchange in 1998. The Philadelphia Exchange merged with the NASDAQ in 2007.



Great Depression Regulation

After the problems of margin buying and lending that contributed to the Great Depression in the United States during the 1920s and 1920s, the federal government passed the Securities Act in 1933 to regulate practices that contributed to fraud and poor economic planning. The act set up a federal disclosures and registered new stock issues. The Securities Exchange Act of 1934 added controls over fraudulent practices and disclosure and established the Securities and Exchange Commission to oversee the new regulations. 



Index and Mutual Fund Trading

Stocks are not the only item traded on the stock exchange. The market also trades mutual and index funds. Massachusetts Investors Trust presented the first offerings of mutual funds in 1924, and the Wellington Fund combined stocks and bond offerings in 1928. Wells Fargo Bank established the first index fund in 1971 that allowed creation of stock market offerings by The Vanguard Group soon after the index creation. 



Market Closings

Stock market closings correspond to world events. The longest closing of the New York Stock Exchanged happened July 31, 1914 during World War I when the war sent stock prices plunging. The market remained closed for a time and operated on limited hours for over four months. The market closed again in March 1933 in a "Bank Holiday" to stabilize trading during the Great Depression. President John F. Kennedy's death November 22, 1963 closed the market for the day. Trading stopped for four days after the bombing of the New York World Trade Center September 11, 2001.



The Best and the Worst Decades "The Wall Street Journal" claims investors during the 1950s saw the best returns on money invested in the stock market. The decade of 2000 marked the worst period of investment, even when the decade of the Great Depression is included. Financial reporter Tom Lauricella notes that, "Investors would have been better off investing in pretty much anything else, from bonds to bold or even just stuffing money under a mattress."

History as a Modern Investment Indicators

1. Poor Markets Include Prime Times for Investments.

The Great Depression of the 1930s included prime times for investors. The period from July 1932 through July 1933 recorded the Dow Jones Industrial Average's best year, marking a gain from 41.22 in July and increasing to 105.04 almost to the day a year later.

2. Low Risk Entrance Points Occur Regardless of Market Conditions.

The Bear Market of 1929 through 1932 provided investors a chance to enter the market with low amounts of capital. Modern investors have had similar investment opportunities, including such options as purchasing General Motors stock at bargain basement prices in 2008.

References:

Board of Governors of the Federal Reserve System: Stock Market, Selected Statistics, Aug. 2010.

Domhoff, William. Who Rules America? Wealth, ncome, and Power, Dec. 2010.

"Investors Hope '10s Beat the '00s." Wall Street Journal. Tom Lauricella, Dec. 20, 2009.

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Stocks with reduced price/book proportions or price/earnings rates. Until recently, importance futures have got loved higher typical profits compared to progress shares (stocks and options using higher price/book or perhaps P/E quotients) in a variety of places

The stock market has always been attracting investors. The reason behind is that, more the rate of change in the stock price resulting in more profits for the investor. So everyone who wants his/her savings to work hard as he/she did, invest in stocks. And through stock investment only the maximum profit margin can be earned. But it is also a fact that 95% of the people loose money in the stock market. This fact is quite true and discourages the investor's from investing in the stock market. Therefore through this article an attempt is made to help the investor to increase the chances of profits and decline the chances of losses.

There should be stages in which the whole process of stock market investment should take place.

Stage 1: Look for various famous and infamous stocks in the stock market. Discuss about the stocks with the friends, agent's etc. Note here that the discussion does not means that you agree everybody's view point. The motive is get initial stage information and there after your personal view will depend on facts and figures and not just words of mouth.

Stage 2: Pick out some stocks from various sectors, which attract you. The sector available for investment can be Information technology, Banking, Capital goods, Fast moving consumer goods, Construction, Petroleum etc. It is always preferred to invest in all the selective sectors so that if one sector faces decline, the boom in other sector may decline your losses.

Stage3: The information about the picked stocks should be gathered. Like the last year market value of the stock, profits comparison during last three to four quarters, news and views on the net or newspaper regarding company's inside management changes, decision regarding growth, development, expansion etc.

Stage 4: Look for the stock market conditions. That is if the stock market has been rising from the last six months. Than this is not the right time to invest. So much hikes in stock market results in the fall of the market in the coming future. So it will be better to play safe than taking hasty decisions for investments and get tucked in some expensive stock. Wait for the market to make corrections and than some part of investment can be made just to make a start. Note here that fifty percent of the investment available should not be used until you see a steep market fall for at least fifteen days. After these fifteen days only, an investment should be made in the pre-determined stocks. Investing after a few days of market falls may bring to you costlier stocks for investment.

Stage 5: Investment in proportions like starting 10% and then 20% and later again 20% is preferred. The rest of 50% should be saved for the market fall. Remember here again, that the market falls continuing for fifteen days after will prove real investment timing for you.

Stage 6: Do not make hasty decisions in selling also. That is if the bought stock prices decline then its better to wait for some time rather than booking losses. Therefore it is always suggested to use such money for investment in stocks which are in no need for the investor for at least one year. If a person make investment thinking that he/she will take out the money in one week or so, then his/her investment may prove to be insane. And the person may have to sell the stocks at losses so as to fulfill the monetary requirements.

Stage 7: Finally selling should be done after attaining the expected amount of profits. For instance if a person bought a stock at 8$ and the stock is now 18$ then the stock is ready for selling. A person may even opt for half of the selling of the stocks and may wait for further upward movement up to some extent only; otherwise full selling will be preferred. But if a person does book even a little profit at these levels and is waiting for 30$ target then his/her investment is in great danger and if a market falls come than all the profit may be lost from that specific stock.

Thus moving in stock market the above stated stages will help the investor's to decline the chances of losses and the chances of earning profits may rise.

How to play safe in a stock market...A ten step method for guaranteed results..

A stock market is a place, which attracts many people but also had made many people bankrupt. It is said that only those people make money from the stock market, which have experience. Let's forget this old thinking and tell you real way to play safe in the stock market and earn good money. Let's make you an experienced stock trader in ten minutes.

Investing in stock market should be done in a manner that it hurts less and benefits more. Therefore never invests full amount in the stock market. Say if you have one million dollars to invest in stock market. Then don't invest one million in one day in one stock. Move your investment in the following method.

Look out for the various kinds of stock attraction. Talk to people, read market news and expert views.

Pick out the best suitable and attractive one for you.

Invest 25% of your investment in initial stage on your picked stocks. Remember here that investing in more than one stock will help reducing the chances of loss due to one stock.

Wait for ten to fifteen days and watch the movement of your stocks.

If the stock starts moving up and then make 25% more investment moving your investment up to 50%. Remember here to buy other picked stocks. In case your stock is declining up to some points only than buy more stocks of the same kind so as to decline your average buying rate.

Leave the 50% of your investment safe in the bank and wait for the market decline.

When the market decline up to 25% then only make the next 25% investment which moves your investment up to the level of 75%.

Always make sure to take out the last 25% whenever the market moves upwards.

Take control over your greed of earning and make profits up to certain without waiting for double or triplet to come out of your investment.

Make the last 25% investment only when the market declines up to 50% or so. Because that will be the time when you may find your investment tucked in stocks and you have no finance to make more money.

There you are. You are now an experienced stock market person. Now go and play safe in stock market and make big money. And don't forget to thank god for helping you.

Stock market recommendations.

People from around the world are now investing in stocks with a motive to earn a good profit margin. Some people invest in stocks by using their savings, while other has made it their primary source of income. That is the intra-day move in the stocks helps the people to buy and then to book comfortable profits.

Many people have made their living through stock market. But the truth is that many have even lost big chunks of money. The reason for loosing so much money is the stock market is mostly.

Impatient nature of the investor.

Improper method of investing.

Inexperience way of outlook towards the stock market.

Lust for more profits.

Investing without proper book reading and understanding.

Thus the above reason results in loosing money in the stock market. Therefore people who don't have enough time and experience is always advised to invest in the mutual funds or use the step by step method of investing. The step by step method suggests investing in the form of monthly installment method.

Become the real benefited of the stock market.

The real benefited is the person who has really earned profits from the past so many years. Such person's investment and the return from the investment both rose with the passage of time. Every one today wants to become the real benefited but hardly some of them reach the mark up level.

To become the real benefited of the stock market a person has to go through the recommendations in the following so that the chances of loosing money decline. While the probability to get higher return from investing increases.

Recommendations:

A number of recommendations are suggested for the stock market investor's. These recommendations include the followings.

Investing in the form of systematic investment plan wherein the investment is made in the form of monthly investment plan. Such kind of investment is suggested for amateur and inexperience kind of investors. A person with not time to invest in the stock market is advised to invest through mutual funds.

Keep a control on your lust for earning huge profits. When the return from investment crosses the expected levels than the mind for selling should be prepared. Waiting for the investment to give double or triple returns increases the risks, which may results in selling the stock at decline and decreasing the already available return by selling the stock.

It is not advised to buy stocks at higher prices or when the stock market is making new highs. And if you do, then keep patience in case of decline the stock price or make stop loss in advance. Actually people get tempted to buy the market favorite stocks which show higher returns on the chart. But the fact is that such stocks are rising immensely not only due to the news and any other real factor. Such stock price may rise due to high investment made by the big investor to earn big profits and later to sell off high chunks of stock, making other people tucked in the same stock.

Stick to your stocks, which have valid reasons and news that are sure to make good returns in future. Don't jump to market favorite stocks, which are giving unnatural returns. After all the stocks you invested was the result of market research and some valid reason. So trust your decision and stick to it, as the market does not move the way it really should be, but the way the investor makes it move. So if your investment is made after careful go through than it is bound to give good returns.

Read carefully the offer document before investing is one major factor recommended to the people. Actually the offer document consists of the write up for reason and placement of the investor's money. Therefore the right placement and motive investment decides the real position of the new offer documents. That is if the new offer document is meant to meet growth and development requirement that the return can be expected to be good. While the new offer document meant to meet the repayment loan or any other of such kind of requirement will possibly not give enough returns on your investment.

Invest in a variety of stocks so that the chances of loosing money decline. That is a person make a whole lot of investment in one stock than his/her whole fate will depend on the fate of that particular stock. Making investment in a variety of stocks means making investment like some investment in banking stocks, capital goods stocks, FMCG (Fast moving consumer goods) stocks, infrastructure stocks, IT (Information technology) stocks. The possible movement in one kind of stock will help you join the party and not lagging behind by investing one particular stock.

Invest in stocks that have news and good future prospects. That is a stock with good future prospect and a solid reason to grow should be one selected for investment. Do not move on with investment just by the word of mouth or sayings of the close friends. No one can predict the market movement; these are all guesses and depending on guesses are not a good idea after all.

Keep an eye on the world stock markets, as the international stock market movement does effect the today's stock market movement of the country. Like market falling in Asia is joined by market falling in the East, similarly the Asian markets join the United States market falling.

Such money should be used in investment in stocks that you expect not be in use in near future. As if the immediate requirement of money may force you sell your stock at loss.

Evaluation:

A number of stock market recommendations are stated in the above. The need is just to sit back, read and understand and every single point so that the investment can be made safer and fruitful.

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What exactly is the particular Stock market? It really is the organized technique where by everyone as well as everyone may possibly buy or perhaps sell the shares as well as gives you

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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Things you should do ahead of trading within stock

One can buy shares, or a piece of a company. Shares give people the right to vote in elections of a company. In essence, buying shares of a company, called a stock, gives one the ability to control the operations of said company. Most importantly, periodically, elections can replace a current CEO with a newly elected one who may run the company differently from his predecessor. In addition to voting rights, one has a claim on a portion of the company's assets and earnings.

To participate in stock trading, or the buying and selling of shares, one must use a broker. A broker is simply a company that works between shareowners, also called shareholders, to complete transactions. Some brokers will charge a fee for buying or selling a stock. One may participate in the buying or selling of stock only during particular times and days of the week. The market has "on-hours" or the normal hours of operation and "off-hours." Normally, orders are placed at a broker during the day and completed either immediately or later in the day. One may place orders when the market is closed, but the order will not be dealt with until the market opens again. One may only participate in off-hour trading if they meet special requirements and use certain brokers.

Several types of orders exist including market, and limit. A market order executes an order immediately, at the current stock price. One cannot predict the order execution price, but the price will likely match or come close to the current listed price. Market orders only guarantee execution. Limit orders on the other hand set a maximum amount of money one is willing to buy a stock or the minimum amount one will sell their stocks. A limit order only guarantees price, and the order might not execute. The downside to a market order is uncertainty of stock price, creating risk. Always use limit orders unless you don't care about price and absolutely must execute an order.

Lastly, people invest in the stock market because of the potential profits. One can potentially earn more money on a stock than investing the exact amount in a bank account earning a modest interest. Participating in the stock market has many risks and perks. The major risk includes losing all money invested. Therefore, never invest money you cannot afford to lose. The perks include modest profits to huge ones. Some of the richest people in the world have become rich because they have mastered their trading skills in the stock market.

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How you can make a wheelchair ramp for ones home

Portable wheelchair ramps are a convenient way for a wheelchair user to access any area. They can help you get over steps or thresholds, or enter a number of different models of vans, minivans, and SUVs, without having to modify them for wheelchair access. A variety of different portable ramps are available. When choosing a portable ramp, you have to take into account what kind of wheelchair you are using and what angle of incline you can use, the ramp length you will need to achieve this angle in the areas you're likely to use the ramp, and what size and weight of ramp you can transport.

Rollup Ramps: These ramps are unrolled and secured with a side railing to provide a short ramp, available in lengths of three or five feet. These ramps are extremely portable, with a very low weight and compact size. They are excellent for crossing thresholds and one or two steps, but their use is limited to short inclines.

Single-Fold Ramps: Single-fold wheelchair ramps or suitcase ramps are reasonably light and sturdy. They have a high weight capacity and can be transported fairly easily for mid-height inclines. The disadvantage is that the ramp retains its full length when folded, making larger single-fold ramps cumbersome.

Multi-Fold Ramps: Multi-fold wheelchair ramps are made up of four sections which fold into a heavy duty portable ramp with lengths available of up to 12 feet. These are the heaviest portable ramps, but they provide even heavy wheelchair users the ability to pass over steps and to enter large vehicles.

Track Ramps: Adjustable-length track ramps, or telescoping ramps, are extremely versatile. These ramps allow easy access to short steps and thresholds, and can be extended to cover higher inclines. Models are available which extend up to ten feet. These ramps come in pairs, each ramp acting as a track under each side of a wheelchair. Because of this, this ramp cannot be used for power scooters with three wheels or six-wheeled power wheelchairs; the wheels will not all fit on the same track. The track ramp is extremely light-weight but also has a lower weight capacity than a folding ramp.

Temporary Ramps: Ramps are available which can be easily installed as a temporary or semi-permanent access to a home or business. These ramps come in a variety of forms. The simplest are lightweight aluminum ramps which can be moved from one threshold or step to another quickly and conveniently. Mid-length door-width ramps are available with minimal assembly to allow entry to a place where a wheelchair user will be visiting or staying temporarily or semi-permanently, or in any situation where a permanent ramp is inconvenient. Temporary, easily assembled ramp structures are even available in multi-section ramps and platforms allowing easy access with a low slope.

These different types of temporary wheelchair ramps allow access in any situation. You can measure or approximate the height of the obstacles you're planning to pass using temporary ramps and ask what length of ramp you need when you order; some websites also offer ramp calculators to help you figure out what kind of ramp you need.

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Ark Park <b>news</b> – Pharyngula

Ken Ham's boondoggle in Kentucky is still mired in sluggish fundraising, but he still believes they'll be open in 2014…only now with an incomplete park. They're now talking about building it up gradually over a decade, ...

Ark Park <b>news</b> – Pharyngula

DNA Hints At African Cousin To Humans - Science <b>News</b>

Gene profiles suggest people interbred with a now-extinct species on the continent not that long ago.

DNA Hints At African Cousin To Humans - Science <b>News</b>

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