On the net investing is continuing to grow exponentially from the previous decade. Some sort of share trader have to use a specialist in order to get into the share 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 house Wheelchair accessible. Very well the vital thing to find out may be the top that you'll possess.

We all look for the exit ramp
When we get stuck in the traffic of our mind
We look for an escape or a shorter route
A path that is easier, forgiving and kind

The problem with taking that exit ramp
It is difficult to back up or turn around
Once we leave the original path
We are committed to the new road we have found

Our hands perspire as they grip the wheel
The exit ramp is within our sight
If we leave this road that we have traveled for so long
What kind of changes will we now invite?

We may be a little lost at first
Afraid we have taken a wrong turn
But the new road has so much excitement to offer
So many unknowns and lessons to learn

Think about the road upon which you are traveling
Does it still inspire the dreams in your heart?
If not, maybe you should get off at the next exit ramp
A new road may mean the hope of a new start

Donna Cavanagh
MyVeryOwnFan.com

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Stocks along with reduced price/book ratios or maybe price/earnings ratios. Historically, value futures possess loved greater regular dividends than progress futures (shares together with high price/book as well as P/E percentages) in a range of nations around the world

Even though the stock market gains over time, right now many people are understandably jittery about the way things are going. While there are bargain hunters out there snapping up cheap stocks, and while it is probably best in the long run to leave your retirement account alone, most people are just looking for safe ways to generate any sort of return. Here are two ways you can get a little bit ahead, even while the market is down:

1. Invest in an emergency fund

It's always a good idea to boost your emergency fund. If you have extra money, put to work for you in the safe area of cash investments. The returns are low (high yielding savings accounts are, on average, between 3.5% and 4% and the highest CDs are offering only 5%), but they are better than what the stock market is offering right now. And any growth is a good thing. Put your emergency fund in the higher yielding cash investments that you can find through online banking offers (ING, Citi and Emigrant are all good choices). You will fare much better than the less than 1% offered at traditional brick and mortar banks. Besides, such investments at least offer some hedge from inflation.

2. Pay down high interest debt

This isn't exactly an investment, but it is a good use of money. If you have credit card debt, a car loan or even a mortgage, you are paying interest at a rate that you cannot overcome in the current market or with cash investments. And now is a great time to pay down debt because the Fed rate is at a low 1.5% and could potentially go even lower. This means that variable rate debt, like home equity lines of credit (HELOCs) and most credit cards, are trending lower in terms of interest charges. More of your money will go to reducing your debt, instead of doing nothing beside pay interest. This is a great chance to pay down principal and free yourself from something that severly limits the growth of your net worth.

Even in a down economy, there are ways to use your money wisely and take advantage of the conditions that we are seeing. In fact, it is especially important that you use your money wisely right now. If you prepare for the future by shoring up your emergency fund and paying down debt, you will have less to fear from the future.

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Veterans Benefits Bill Would Expand Fertility Coverage

During George H.W. Bush's reelection campaign in 1992, Vice President Dan Quayle <a href="http://news.google.com/newspapers?nid=1314&dat=19920521&id=b1tWAAAAIBAJ&sjid=NfADAAAAIBAJ&pg=6921,388223" ...

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What exactly is the particular Wall street game? It's a great organized method exactly where everyone along with every person can sometimes invest in or maybe advertise his or her futures or even gives you

As an avid investor, I have had the opportunity to invest in dozens of different stocks. Most have been winners, but some have been losers. If I had followed my 10 tips for investing in stocks more closely, I would definitely have come out on top more often. Read these 10 tips for investing in stocks to maximize your return while minimizing your risk.

10 Tips for Investing in Stocks: Tip #1

Invest in what you know. Through your everyday life, you have no doubt come into contact with companies and products your rave about. This is an excellent starting point as you start to think about what stocks to invest in. Investing in companies you are familiar with and enjoy gives you invaluable knowledge about your investment.

10 Tips for Investing in Stocks: Tip #2

Read the company's 10-K, the annual report. All public companies in the United States and many private ones file 10-K's with the Securities and Exchange Commission. These can be downloaded for free and are filled with invaluable information. Everything from a description of the industry and products, operations, marketing, financials, and litigation are discussed. Read the 10-K to become familiar with your potential investment.

10 Tips for Investing in Stocks: Tip #3

Read the company's most recent 10-Q, or quarterly report. Much shorter than the 10-K, the quarterly report details the most recent financials available for the company. A brief discussion of the financials, ongoing litigation, or important head- and tailwinds is also discussed. Reading the 10-Q will give you insight as to the most recent developments of the company.

10 Tips for Investing in Stocks: Tip #4

Know the company's management team. A company's management navigates the firm through crises, makes operational decisions, and has a huge impact on profitability. Look for a management team with significant experience in both good times and bad. A seasoned management team will almost always outperform a green management team when unexpected calamities arise.

10 Tips for Investing in Stocks: Tip #5

Read the company's most recent investor's presentation. Investor presentations are periodically given by most corporations, and are found on the company's website. The investor presentation outlines recent performance, investment opportunities, and gives the management's view of future profitability. This document is an excellent indicator of what the company believes future performance will be.

10 Tips for Investing in Stocks: Tip #6

Understand what makes a stock price move up and down. Theoretically, all of the future profits of a firm are combined to come up with today's stock market price. If you believe most investors are either over estimating or under estimating future profitability, then you believe the stock price is wrong. Invest in stocks where you believe most investors are underestimating profitability so you can capitalize on your projected upswing.

10 Tips for Investing in Stocks: Tip #7

Research any outstanding litigation. Litigation can have a positive or detrimental effect on stock price. Make sure you understand what court cases the company is involved in and any potential settlements or judgments than may affect profitability.

10 Tips for Investing in Stocks: Tip #8

Read and understand the company's financial statements. Knowing how much debt a company has, what the debt service obligation is, and when debt is due is vital to investment decisions. Make sure your projections of company profitability cover all debt obligations to ensure you do not buy an investment on the verge of default.

10 Tips for Investing in Stocks: Tip #9

Gather third party research. Read what others think about the company to help form your own opinion. Remember that third party research isn't necessarily right - but just an opinion as to what the potential stock investment is all about. Read what these researchers think and incorporate it into your thoughts on future profitability.

10 Tips for Investing in Stocks: Tip #10

Know the stock's investor base. The investor base is the list of all investors in a stock; a heavily concentrated investor base means a few investors wield undue influence over the stock's price. A heavily invested investor who sells the stock may cause the price to tumble, and vice versa.

The key to successful stock investing is researching and understanding your investments. Keep on top of company developments to know when to sell and to see if your investment will continue to perform.

DISCLOSURE OF MATERIAL CONNECTION:
The Contributor has no connection to nor was paid by the brand or product described in this content.

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Things you must do previous to buying and selling inside stock

One of the key findings of behavioral finance is that emotion is a primary driver of our biases and decision making.

For example, one tenet of behavioral finance is the concept of "anchoring". When you decide whether to sell an investment your instinct is to look at the price you paid for the investment. If the price is down 10% your investment decision will be different than if it's up 10%. But the price that you actually paid is meaningless information for answering the question of "as of today, is this stock a a good investment?".

Behavioral finance is a long and rich topic and one that I've spent a lot of time studying. I encourage you to also study it and develop your own conclusions. But, to cut to the chase, here are my three best time-tested methods for removing emotion from your stock trading.

1 Wait to Buy. If you think you've found an excellent new stock investment good for you. However, do you really have to buy it today? What if you put it into a spreadsheet and track it for a set period of time (I use one week) before you buy? This simple rule goes a long way towards countering a heart-driven investment decision. If your idea is good, it will still be there in a week.

2 Diversify. If one stock is 50% of your portfolio then you simply cannot make rational investment decisions about it. For example, what if it goes down 80% in value? It's a lot more difficult to admit you are wrong and make the sell decision if you're sitting on losses equal to 40% of your portfolio (losses =80% *50%). In fact, for me, the correct diversification level that removes all emotion from the process is 1% implying 100 investments. This means that when I buy something I only invest 1% of my portfolio. If the stock goes down in value I can make a sane sale decision because it's actually a small part of my portfolio.

And finally, my most important lesson:

3 Fully Automate Your Sell Decision. This one rule has helped me more than any others. You can pick your own automation rule but here's mine -- if the price goes down 10% from the highest price the stock has reached since I bought it then I sell. That is the only condition under which I sell. This translates into "sell your losers, keep your winners" which is a well-known stock dictum. However, the important thing for me is not that it is some sort of "magic bullet" but that it removes all emotion. I never am tempted to "double down" -- it simply is not allowed. I'm never tempted to say "I'm right and the market's wrong" -- it's not allowed. From my perspective, when I make an investment, I will either be (1) right or (2) wrong. And, the only thing that matters in determining whether I'm right or wrong is the price of the stock. Automation of the sell decision insures that if I'm wrong I'm out and if I'm right I'm in until such time as I'm wrong. The market is always right and it alone confirms whether I am too.

Happy Investing!

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You are sure you are facing repairing your pond liner. Before you panic, make absolutely sure it is a leaking liner and not another problem that is causing your water level to drop. Check your waterfall, check your hoses, check your spitters. Turn your pump off, fill up your pond. Watch it overnight. Did the level drop? If so, you probably have a hole in your liner.

The first thing you must do is find that leak in the liner. If you can see it, skip the next section.

Fixing the leak

If you can see the leak, you have an easy job. Assuming your liner is rubber or EPDM and most are, you can patch it just like a tire. You can buy a patch online and while you are at it, buy a roll of patching material, because whatever caused that liner to leak will most likely do it again.

45 mil rubber liners rarely leak spontaneously. Something causes it. It could be raccoon toenails, doggie toenails, a falling tree branch, or maybe a piece of statuary with a sharp end fell and penetrated the liner. No matter the cause of that liner leak, repairing it, while not always a clean and easy job, it can be done by anyone with a bit of effort.

Make sure the liner surrounding the hole is clean and dry. I scrub the liner with the same scrubber you would use for dishes, just make sure there is no soap in it. After scrubbing it clean, rinse it and let it dry. If you are in a hurry, use a hair dryer, but be careful you are connected to a GFI before you use any electrical appliance around water. When the area is clean and dry, apply the patch according to the directions on the package. Your work is done. Fill the pond back up with water. Don't forget the dechlorinator.

Finding the leak

Finding a liner leak can be one of the most frustrating jobs on earth. The liner is black, usually dirty and wrinkled. The leak should be right at the water line because water can't leak out below that. Or can it? Here in New Orleans, our water table is only inches below the ground, so often there can be a hole in the bottom of the liner, but ground water pushes the bottom of the liner so a leak could well be on the bottom and ground water is seeping in the pond.

Pour some milk in the pond. If the water is leaking fast, the milk will make a trail to the leak. But if the water is leaking that fast, you have a huge tear and you can probably see it.

Pour some fine sand in the water. The sand will follow the water to the leak, but as above, if the tear is that big, you should need no help finding it.

Sometimes you cannot find the leak no matter how hard you search. I have resorted to this method as a last resort. Pump the pond water out. Remove all fish, plants, pots, lights, etc. Using a wet vac, vacuum the bottom to be sure all the fish waste, leaves, and other organic matter is gone. Rinse and wet vac again. Make sure the bottom is dry even if you have to wait several hours or get that hair dryer out again. When you are positive it is dry, stick a garden hose under the liner and turn on the water. Watch the liner carefully. Soon you should be able to see water coming up from underneath. You have found your leak. Dry it again and patch with patching material. Replace all pots, plants, fish, lights and refill the pond with water.

It's a good thing rubber liners rarely leak.

Leaks in concrete ponds

If your concrete pond is leaking, there is only one relatively cheap way to fix it. Because concrete is brittle and our ground is always moving, concrete is freezing and thawing, concrete is one of the hardest materials to repair. Clean out the crack and use Plumber's Epoxy to patch it. If that doesn't work, call a professional. If the professional tells you he can patch your concrete and guarantee it, doubt it. Doubt it a lot.

In all my years of pond building, I have never seen a serious concrete crack patched so it will hold water for more than a few weeks. Get your contractors guarantee in writing, get his home phone, his cell phone, his address and his Landscape Contractor's license number. Getting his insurance certificate can't hurt either.

If your pond is built from recycled swimming pool liner or PVC or visqueen and it has a leak, you must start over again with another liner. Same with pre formed hard liners. Once they crack, they cannot be repaired.

Luckily ponds rarely leak. But if yours does, you are now prepared.

JayLink2345@gmail.com

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