On the web exchanging has exploded on an ongoing basis inside beyond ten years. Some sort of inventory broker need to start using a specialist to be able to get into their particular stock options instructions.

In the stock market it's never easy to find a stock that will give you good consistent profits year after year. However, if you follow some basic and simple rules, you can choose winning stocks that will perform well over the long term. You can get good profits from some stocks over a five and ten year span. Here is a list of simple rules to follow when choosing a stock as an investment.

Never Buy What You Like

It's too easy to get "married" to your stock picks, and not be objective about them. This becomes worse if the company makes a product you're already in love with. Keep in mind, market factors go way beyond love for a product. Your company might make the best widget in all the world, but if it's a poorly managed company, it will sink. If you're a big fan of Starbucks Coffee, do not buy Starbucks stock. If you're part of the Apple religion who worship at the alter of over-price products bearing a fruit logo, then you should not buy Apple stock. When the ship starts to sink, you won't be objective about it, and you probably won't cut your losses and sell. Buy a smart stock that you're not already in love with. If XYZ Copper company starts to go under, you can probably be more objective and cut your losses, sell and move on.

Look for Low Volatility

Stocks whose price moves in small increments, low volatility stocks, are better for the long haul. We tend to like the new bio-tech or maverick companies that fluctuate greatly in price every day. We like to see our investment rocket 40% or more, but these stocks have a greater tendency to fail. The same move up 25% can also crash 50% just as fast. I remember the Taser company (TASR) was the darling of Wall Street in 2004, and it rocketed from $25 a share to $100 in just a few months. Daily movements were erratic. When the dust settled, and the corporate profits weren't as bright as expected, the stock tanked to $4. You would have better off with the boring Coca Cola Company (KO), as it moves a few cents a week; very boring, but stable.

Dividends

If you plan to hold the stock for 5 or 10 years, look for dividends. You'll want to earn some interest during those years. However, look for low dividends, as these are not likely to be cut. Unreasonably high dividends run the risk of being reduced, which would cause a sell off in the stock. I like to look for solid companies paying 1 or 1.5% in an annual dividend.

Moderate P/E Ratio

The P/E is the Price/Earnings ratio. Look for low or moderate P/E ratios. You want the price to be selling at a fair ratio to the earnings. You can find the P/E ratio for any company at Yahoo Finance or any other financial quote site. Your broker can also give you a list of low P/E companies.

Diversity

Look for companies that make a wide range of products. If a company only makes left-handed scissors, they might not be well situated for dips in the economy. However, if they also make chewing gum, glue and paper supplies, you've got some diversity that might see them through the tough times.

Longevity

Look to buy stock in companies that make products likely to be useful as times change. Technology sensitive products, such as satellite radio and e-book readers, might not be around 10 years from now. Products like candy, chewing gum, paper, oil, and gold have a better chance of still being big sellers in 2022. Looking back, not all the typewriter companies survived the move to computers, and many newspaper companies are struggling now against the internet. Find a company that doesn't need to evolve, because they already have a product that can survive the test of time.

Avoid Hot Picks

Finally, look for companies that are consistently recommended by the experts year and year. Stay away from "Hot Picks" of the week. Most of these "Hot Picks" will spike and disappear. Find the well-managed rocks of Wall Street.

More from this contributor:

Planning Your Year End Investment Portfolio

Forex 5 Minute Scalping Strategy

Quick Start Guide to Extra Income with Covered Calls

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Learning to make your house Wheelchair obtainable. Properly first thing to ascertain will be the elevation that you have got.

Let's face it. If you're in a wheelchair, you're not going up a flight stairs. But it's not just for people in a wheelchair, anyone who has trouble walking can have some serious problems around stairs. So what do you do when you live in a home with steps and you can't get inside? You need a handicap ramp. In this article I'll explain the math and a few basic principles on designing your own handicap ramp.

Now I obviously can't tell you how to build a handicap ramp to fit your own steps due to the fact that everyone's home may be different, but what I can tell you is the basic math equations that you will need to build a handicap ramp according to the specifications of the standard building code. While each county and state has its own specific code required for building a handicap ramp, I will explain the southern standard building codes rules for a ramp. Remember to always call your local building department to verify your design and purchase any permits that may be required for a handicap ramp.

So lets start with some basic math first. To begin, you will need to find the height of your handicap ramp. Using a straight edge or a level, place it on top of the platform you are building the handicap ramp to. Hang it over the edge and measure down to the bottom of your platform. According to the southern standard building code, a handicap ramp must fall no more than one inch in height per one foot of length. This formula is the ideal for wheelchairs and other mobility devices.

Lets use the formula now on my porch. I measured down my steps at home and came up with the measurement of two feet. Now we need to multiply 24 inches by 12. 12 is the number of inches in one foot. Our answer is 288 inches. That means our handicap ramp must be a total length of 288 inches or 24 feet long. The formula is height x 12" = ramp length.

Now that you have the length of your ramp determined you will need to cut some stringers. Stringers are the long boards your ramp will be supported by. Your best bet for stringers are to use 2x12's made from pressure treated yellow pine. Yellow pine is the strongest structural wood there is. Measure the 2x12's to length and cut. Now mark one end to the height of the handicap ramp. You may need to place another 2x12 on top of the other to achieve the required height. Using a chalk box, snap a line from one end of the 2x12 to the other end that you just marked and rip cut the board using a circular saw.

Now you can use the stringers to build your ramp. You may need to notch the stringers around steps or other obstacles as needed. Attach supports between the stringers at least every 16 inches. Use at least 2x6's or larger for supporting the weight of people. For plywood, a good bet is to use at least ¾ inch or thicker. Using pressure treated plywood or marine grade is a real good idea for outdoor use, otherwise you will need to weatherproof it with paint or water seal. Good luck with your handicap ramp!

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What exactly is the Stock Market? It really is an organized system exactly where anyone in addition to anyone can easily often obtain or even promote their own shares or maybe stocks

Teaching kids about the stock market can be a real challenge. It is usually pretty difficult for parents to understand, so getting kids to understand it can be even more difficult. For those who homeschool, it may be easier to come up with a project that will help your child to better understand.

For this project you will first need to do a bit of research. When planning out your lesson plan you will want to get some monopoly money together to use with your project. You will also need to get your local newspaper that has a financial section that you can use for the project. Take the financial section of the paper and hang it up on a bulletin board. You will also want to do a bit of online research to find plenty of worksheets. You can visit websites like www.moneyinstructor.com. Here you will find some educational worksheets that will help you introduce the topic to the stock market.

When you have finished all of your research you will want to first go over the lesson with your child. Next you will give your child at least $100 to invest in a particular stock. Look through the financial section of the paper and have them pick out a stock that seems interesting to them. You can then have them give you the monopoly money for the number of stock that they want to purchase.

Basically, you the teacher, will be the investor working for your child. Each day you can check the particular stock to see if they have gained anything or loss anything. Have your child create a chart to show how the market has grown and how it has gown down. Since the stock market deals with points it should be very easy to track. This can be an ongoing project. At the end of each days lesson you can have them update the graph. At the end of a few weeks you can have them sell the stock and then they can be paid with the monopoly money for each point that it has grown. Remember that you can change this project to whatever will help your child to better understand how the entire process works. The key is to make the project as fun as possible so try to be creative with this project. What is really nice is that you can start and restart this project as much as you want.

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Stocks with reduced price/book ratios as well as price/earnings percentages. Until recently, value stocks and options get appreciated higher common returns compared to growth stocks and options (stocks and options having higher price/book or even P/E quotients) in several international locations

If you're like many investors in the U.S. Stock Market, you've watched the prices of your stocks fluctuate dramatically over the first part of May 2010. The big questions many Stock Market investors want to know are: why? and what should I do about my stock holdings and investments?

And if you've asked the Why question lately - you're not alone; the government also wants to know why the Stock Market took a dramatic downturn on May 6, 2010 and went so far as to conduct a financial services subcommittee hearing on the one-day Stock Market plunge. Some experts blame that one-day Stock Market plunge on a mixture of computerized sell-off and worries that the European debt crisis would spread to the U.S. (source: www.startribune.com/business/93075584.html)

As for concerns about what you should do about your stock holdings, the general consensus seems to be that it may be wise to hold your investments. However, the economy remains to be quizzical; according to the Star Tribune, the economy gained nearly 300,000 jobs in April, yet the unemployment rate reached nearly 10 percent. (source: www.startribune.com/business/93075584.html)

Stock Market and investing reports show decline

Investors are particularly challenged by the milieu of reports suggesting that the Stock Market is becoming increasingly less forgiving and generous with stock interest rates. Here are just a few notable reports all Stock Market investors may want to read:

"Interest rates plummet as investors seek safety"

"Gov't data show solid recovery but concerns remain"

"Gold slides from record high""Stocks tumble on worries about European growth"And, finally, a comparison of the current state of the Dow Jones Industrial Average to where it was 10 years ago (hint: it's the same)

General investing outlook shows growth

Despite the heavy reports and indications that the Stock Market may be declining and becoming increasingly less profitable for long-term investors, the outlook for 2010 shows a 3 percent growth, according to a Wells Fargo Securities report, "Fed Decision: Holding Steady as the Recovery Matures;"

Two interesting aspects appear in this recovery. First, gains in output are associated with productivity improvements and limited job increases. Second, adding capital equipment without labor suggests a rise in the capital/labor ratio. These two trends suggest increased returns to a smaller existing workforce but limited job opportunities for those without the right skills. (source: "Fed Decision: Holding Steady as the Recovery Matures")

So, as a small business owner or general Stock Market investor, what should you do to be smart with your money? Continue to read economic reports, follow your individual Stock Market investments, and identify some reliable financial advisors or Stock Market resources you can trust. Above all else, remember that investing in the Stock Market can be a gamble, and, like all gambling scenarios, you shouldn't risk any money you can't afford to lose.

Sources:

http://www.c-span.org/Watch/Media/2010/05/11/Economy/A/32793/House+Financial+Services+Subcommittee+Hearing+on+the+Stock+Market+Plunge.aspx

Stocks tumble on worries about European growth

http://www.startribune.com/business/93075584.html

http://finance.yahoo.com/news/Interest-rates-plummet-as-apf-2855358255.html?x=0

http://www.google.com/finance?chdnp=1&chdd=1&chds=1&chdv=1&chvs=maximized&chdeh=0&chfdeh=0&chdet=1273867200000&chddm=997050&chls=IntervalBasedLine&q=INDEXDJX:.DJI&ntsp=0

"Fed Decision: Holding Steady as the Recovery Matures;" Wells Fargo Securities, LLC Economics Group. April 28, 2010.

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Exactly what is the particular Wall street game? It's a sorted process wherever any person as well as everybody can easily both buy or even advertise the stocks or explains to you

One of the worst things that can happen when you invest in any company is that you could buy in at a peak and the stock will soon realize a trough. It's not uncommon as we often all watch a stock rise and rise and then buy in just as the temperature on this stock begins cooling. After all, no stock can continue its rise forever. Still, just because a stock is rising doesn't mean that's any reason to not put your money to work when you have it. If this rise to crescendo happens to be when you have bought your stock, consider doubling down. Doubling down is of particular interest for this discussion with penny stock investing; but doubling down works for all types of investing.

What is doubling down? Some cynics call doubling down, "throwing good money after bad." This is because you are basically chasing a position which has lost a significant percentage of its initial value in the hopes that your decision to do this will be validated in the stock prices eventual rise. At least to some kind of a breakeven point.

For example; say you buy in at EFG penny stock when it is trading at $.02. Say you buy 100,000 shares; this would mean that your initial investment is $2000. Now imagine if these same shares went down to $.004. Ouch! That means that these same 100,000 shares are now worth $400.

While the first instinct may be to cut and run, this is not a very profitable way to live; especially if you believe in the product or the company and its future. Instead of running scared you may wish to chart the trades of this stock and once you're confident this trade has reached a bottom, you can buy more and double down your investment.

If this trade has reached its bottom point at $.004, investing another 100,000 shares means that your aggregate investment is $2400; that means that the share price only needs to reach $.012 for you to breakeven. If you can stomach another 200,000 shares at the $.004 share price, then your breakeven point is only $.0093. On and on down the line it goes.

Double down investing really works best for people who have the most time to keep their money active in the markets and reach their goals. What with the recent retracement in blue chip companies, this has presented the buying opportunity of lifetime for many investors. Still, not all of us have that kind of capital to risk; this is why penny stock investing can be a real help for small time investors. While penny stock investing isn't for everyone, the fact is that if you do you research and can tolerate the wild swings, doubling down can help you to strengthen your position, achieve the strike price you've been looking for and at least help you gain back any capital you've lost.

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Have An individual Actually Considered Attempting Your current Hands At Investing Options

If you are a beginner, before you start trading stock, ask yourself what your investment goals are.
Are you investing for income, growth or immediate profits?

If you are investing for income, you want a secure company in a solid industry. The stocks listed in the S & P 500 are a good place to start.Look for companies that produce consumables that people use year after year. Income producing stocks pay dividends. Dividends can be thought of like interest on a bank account. You are generally paid quarterly and the amount you receive corresponds to the number of shares you own. With these types of stocks, you buy and hold them for many years. The price generally stays steady. Income stocks are easy to find as all companies list dividends paid in their annual reports. Although all investments have an element of risk, for the beginner stock trader, income stocks can be considered less risky.

When you invest in a growth stock, you expect to see an increase in the price of the stock over time. It is rare for a growth stock to pay dividends. Growth stock investing can pay off with huge profits in the long run but, generally, has much more price fluctuation. Patience is needed to see your investment increase in value. To find growth stocks, look to industries that are undergoing change. The technology sector has had tremendous growth and has produced some huge stock winners.

If you are investing for immediate profits, you will be buying and holding your stock for short periods of time. Mostly less than one year and in the case of "Day Traders" only a matter of hours or even minutes. You need to do a lot of research, know the industries, know the companies and time your purchases and liquidations precisely. This type of trading depends on the volatility of the stock. Although the profits can be huge, the risk is high and not a type of stock trading for beginners.

Investing in the stock market doesn't have to be complicated. Find a strategy for stock investing and stick to it. Your strategy should fit your lifestyle. Do you want to spend everyday watching the market on your computer or do you want to "set it and forget it?" How much risk are you willing to tolerate? Will you break out in hives if the price of your stock dips by 5%? What about 25%? By determining your investment goals and your tolerance for risk even a beginner can succeed at stock trading.

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Easy methods to boost home access for the physically incompetent and elderly

Historic downtown Rockford is a popular destination point for Michigan tourists looking for a pleasant day trip or wishing to connect with its fifteen miles of paved trails along the scenic Rogue River. Whether you're interested in shopping the quaint stores, roaming the farmers' market, attending the summer Blues Series, taking in the Celtic festival or an art show, enjoying the White Pine Trail or you just want to picnic at the dam, the charm of downtown Rockford is undeniable. But in a wheelchair quaint little towns like Rockford can be a challenge if you don't know where to find the restaurants that are wheelchair friendly. This restaurant guide can help with that and more.

Parking and Restrooms

Handicap Parking - Downtown Rockford is small and once you find parking you can wheel or walk to any of the restaurants listed below plus you can connect with the White Pine Trail or get on the dam overlook without moving your car from place to place. Most of the tourist draws are built around a square block flanked by Courtland, Squires, Bridge and Main Streets. Seven handicap parking spaces are scattered along these streets. Two more handicap spaces are located in a small lot at the corner of Courtland and Squires, one space is available in a tiny lot by the dam overlook and two more are on the other side of Bridge Street in the Promenade Building lot. Eight additional handicap spaces can be found in a large city lot that can be accessed via two driveways, one located by Young Insurance at 39 S. Main Street and the other driveway is by Vitale's Pizza at 42 E. Bridge Street.

Handicap Restrooms - The city provides accessible restrooms right in the center of downtown Rockford. They are located in the Welcome Center on Squires Street. Look for the flag pole standing next to an old fashioned clock set on an ornate post.

Restaurants of Downtown Rockford

Reds on The River - With a fantastic view overlooking the Rogue River, this is the most elegant, pricy and wheelchair accessible restaurant in downtown Rockford. There is both inside and outside table seating and spacious handicapped bathrooms. Reservations are required for the evening hours. Reds is located at 2 E. Bridge Street in the Rockford Promenade Building.

The Corner Bar - Don't even attempt going in this landmark restaurant/bar of downtown Rockford with a wheelchair unless you have three extra people with you---one to push the chair and two to hold the doors. The entryway has two narrow doorways connected by a short, narrow hall and to enter the chair needs to turn in the hallway. There is a ramp by the first door that is only a few feet long and it's very difficult for one person pushing a chair to keep that door open while maneuvering up the ramp. Once you get in that first doorway then it's impossible for the person pushing the chair to get around it to swing the next door open into the hall to pass through it. They do have a window on the street where they serve their classic hot dogs. Located at the corner of Courtland Street and Main.

Frenz Coffee House - If you're looking for a cup of gourmet coffee and a pastry or a light lunch of soup or a wrap, Frenz has an easy, flat entrance way for wheelchairs. They have tables both inside and outside on the promenade that overlooks the Rogue River. The quarters are close when they are busy, but it's a do-able stop to make in a wheelchair when they are in between rushes. Frenz is located at 4 E. Bridge Street in the Rockford Promenade Building.

Dam Dogs - Dam Dogs is a take-out restaurant specializing in to-die-for gourmet hot dogs. Their Squires Street entrance has two tables outside but this entryway is not wheelchair accessible. Their entryway on the dam side of the building is accessible by a long ramp. It's best, though, to let an able-bodied person in your party place the order inside while the disabled person waits outside. It's a tiny place and seating inside is limited to one table and a few bar stools along a wall. Enjoy your hot dogs at one of the tables in the near-by Rockford Dam Overlook. No public restroom. 17 Squires Street.

Custard by The Dam - This shop is legendary in downtown Rockford for their frozen custard but they also serve hard pack ice cream. You'll find them accessible from their Squires Street entrance but not from their entryway on the dam side of the building. Inside seating is limited to four tables and there are park benches outside along Squires where you can enjoy your cones. No public restroom. 25 Squires Street.

Arnie's Bakery and Restaurant - This is a full service, quality restaurant located at the corner of Squires and Courtland. The ramp going up to the restaurant is long and slightly steep but it levels out to a landing at the top making it very do-able with only one able-bodied person's help. The entryway has double doors but they aren't close together or awkward to manage. Seating inside is all tables but it can get crowded and congested during peak hours. If you time it right, easy wheelchair seating is not a problem. A public restroom is available and accessible but it's not the nicest or easiest one you'll find in town.

Rocky's - Rocky's is a hard and soft ice cream shop with a service window at 110 N. Main Street, near the corner of Courtland. No inside or outside seating is available.

Marinade's Pizza Bistro - Dine in at one of their seven tables, most of which are easy pull ups for a wheelchair or you can dine outside at one of their three tables on the sidewalk. You can also get your pizza, sandwich or wrap to go and take it to the dam overlook a block away. The entryway has a slight grade but it's not too hard do in a wheelchair with the help from one person pushing the chair and a kind strange to hold the door open. No public restroom. 109 Courtland Street.

Rogue River Tavern & Steakhouse - Forget this place if you are looking for a wheelchair accessible place to eat. Their entryway is a step up. 4 N. Main Street.

Sam's Joint - Another full service, quality restaurant and bar, Sam's is famous for their ribs. They are wheelchair accessible from Main Street where they have two entryways, one that is designated only for wheelchairs. It's a little awkward with a short ramp and a door you'll need a help with but it's very do-able and the food is worth the effort. The bathrooms, however, are very small and impossible to use for someone using a wheelchair. 19 N. Main Street.

Epic Coffee Shop- This coffee shop is located at 9 N. Main Street but you'll need to send an able bodied person inside to for your coffee or muffin and enjoy them outside at one of their tables or a nearby park bench. This place has a step at the entryway and is not wheelchair accessible.

The Peppermill Grill - This restaurant serves breakfasts and lunches and closes in the early afternoon. Their north side entrance is not wheelchair accessible but the entry at the city parking lot side, on the south, is a do-able entryway for a wheelchair though it is a bit awkward. It requires a quick turn after entering the door and depending on how busy they are you might have to ask someone sitting at the counter to move so you can get into the dining area. Both tables and booths are available but when they are busy it's best to send an able-bodied person in first to check out the seating. Not all of the tables are easy pull ups for a wheelchair when they are crowded. Their bathrooms are accessible. The Peppermill Grill is located at 8 S. Squires Street.

Vitale's Pizza of Downtown Rockford - Technically this place is accessible but in reality it's nearly impossible to get up their ramp. It's short, steep and at the top and the bottom of the ramp there are 1 to 1 1/2 inch "steps" in the levels that you have to jockey the wheelchair over. Plus there is no landing at the top of the ramp, making this an extremely difficult and scary maneuver in a wheelchair unless you have several strong people along to help. 42 E. Bridge Street.

Grill One Eleven - Opening soon, this restaurant at 111 Courtland Drive will be wheelchair accessible at both the front and the back of the building. The back side may be the better choice because the front entry will require the wheelchair to pass through a very long and somewhat narrow hallway to get to the dining area.

Sidewalks of Downtown Rockford

Curb cut-outs for wheelchairs are in all the right places so you won't have any trouble moving about. Most of the sidewalks in downtown Rockford are flat with the exception of those along Courtland Street but even those two are gentle grades and it's not hard to take a wheelchair up, even without someone pushing. The sidewalk cement slabs, however, are a three on a scale of five---not the worst you'd find in a historic town but not completely smooth like you'd find in a modern shopping center. They are very do-able in a wheelchair but expect a few rough spots here and there where there are minor jumps in levels of the slabs. Behind the Dam Dogs there is a grade in the asphalt getting down to the dam overlook but you can go around the other side of the museum where it's a flat run, if the other way is too much for you to manage.

Downtown Rockford is a friendly place and a great location for people watching. During fishing season, the dam is a popular place for anglers and The White Pine Trail attracts a lot of runners, walkers, skaters and cyclists who all have to pass along side of the Garden Club Park at the dam. The summer Blue Concert Series and other annual events take place in that same park and the Saturday farmers' markets is held at one end of the city parking lot. Pick a sunny day and take a day trip to historic downtown Rockford, Michigan. Typical of all historical districts every where, you won't be able to get into all the stores and restaurants with a wheelchair but you'll still have a good time. ©

NOTE: Please feel free to post a link back to this article any where you wish, but do NOT copy and paste the entire article to another site without the written permission of the author.

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The New York Daily News was quick to splash Tuesday's front page with news that NBC's Hoda Kotb was being flown in to rescue the Today Show's Olympics coverage from Savannah Guthrie. The paper used two sources at ...

Daily <b>News</b> front page splash &#39;flat wrong,&#39; says NBC : CJR

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

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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, ...

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