Beautiful Care Of Your Body & Health - Mineral Bath

Mineral Baths

Mineral baths are pleasant, relaxing and health-enhancing, in part due to their stress-relieving properties. A centuries old tradition in Europe and Japan, hot springs therapy is a widely accepted and popular treatment for musculoskeletal problems, as well as for high blood pressure, eczema and a variety of other complaints.

The various minerals dissolved in hot springs have been credited with specific (but unproved) health benefits. For instance:

Sulfur is said to relieve nasal congestion

Calcium and sodium bicarbonate are said to enhance circulation

Salt water is supposed to improve digestion.

In addition, studies have suggested that soaking in a hot mineral spring can lessen the pain of arthritis, and relieve the pain and lessen the fatigue associated with fibromyalgia.

When visiting a hot spring, look for one in a natural outdoor setting where the water hasn't been treated (with chlorine, for example). Also be aware that some waters have a high mineral content that can irritate the skin, especially if you have a cut or open sore. Hydrogen sulfide, the gas that gives some hot springs a rotten-egg smell, is toxic but rarely present in high enough concentrations to be a concern (although it will blacken silver jewelry).

If you’re going to bathe in a natural hot mineral spring, never put your head under water. A free-swimming amoeba called naegleria that lives in many hot springs can enter the body through the nose and can cause primary amebic meningoencephalitis (PAM), a very serious, potentially deadly infection of the brain. Pregnant women should also be cautious in their use of hot springs, particularly during the first trimester, to prevent the risks of neural-tube defects.

By Dr. Andrew Weil

http://www.drweil.com/

Motivational Quotes By Tony Robbins To Unleash The Power Within

Business Quotes by Tony Robbins

How am I going to live today in order to create the tomorrow I'm committed to?Anthony Robbins - Goals - Life

Using the power of decision gives you the capacity to get past any excuse to change any and every part of your life in an instant.Anthony Robbins - Decisions - Change - Power

The only limit to your impact is your imagination and commitment.Anthony Robbins - Commitment

Remember, a real decision is measured by the fact that you've taken new action. If there's no action, you haven't truly decided.Anthony Robbins - Decisions - Action

Successful people ask better questions, and as a result, they get better answers. Anthony Robbins - Success - Questions

By www.woopidoo.com

http://www.woopidoo.com/

One Of The Greatest Investors - Peter Lynch

Peter Lynch

Born:

United States in 1944

Employer:

Former Fidelity fund manager, today he is vice-chairman of Fidelity

Most Famous For:

When he started managing the Fidelity Magellan Fund in 1978, it had assets of $20 million. When he retired in 1990, it had assets of $14 billion.

Less Celebrated For:

Some people were none too pleased when Lynch, one of the greatest, retired at the tender age of 46.

Quote:

"Go for a business that any idiot can run - because sooner or later, any idiot probably is going to run it."

Background:

Lynch is arguably the world's most famous mutual fund manager. Often described as a chameleon, he adapted to whatever investment style worked at the time (growth vs. value). He was one of the first to uncover hidden gems such as Dunkin' Donuts, Pier 1 Imports and Taco Bell. People began to criticize Lynch once his fund surpassed $1 billion in assets in the early 1980s, but the fund rose to $13 billion less than seven years later. He admits to taking plenty of risks while managing the Magellan Fund, but he never suffered a losing year.

According to Valueline, "a $10,000 investment into Magellan in 1978 and then adding $100 per month, would add up to over $1 million, in 20 years!" While at the helm of Magellan, Lynch achieved an average annual return of 29% a year.

By investopedia.com

http://www.investopedia.com/

Understand Ratio To Evaluate Your Investment For Financial Wealth

P/E: A Tool For Evaluating A Stock's Price

The price-to-earnings ratio (P/E) provides a useful clue about what investors think a stock is worth. It can help you decide if a stock is over- or underpriced.

The P/E in the newspaper is based on a company's earnings per share for the most recent 12 months, so it is called a trailing P/E. Since the paper shows you both yesterday's price of the stock, as well as yesterday's P/E, you could use simple math to find the company's reported earnings.

For example, say you owned shares in ABC, Inc. The share price for ABC, Inc. was $30 and the P/E was 20. Simply divide the price of ABC's stock by the P/E to find the earnings per share ($30 ÷ 20 = $1.50). The P/E of 20 tells you that investors were willing to pay $20 for every dollar and fifty cents of ABC's earnings. This can be an important sign of what investors have been thinking about ABC's stock.

Investors may think that a stock with a high P/E is expensive. That may not always be true. In some cases, a high P/E may indicate that the company has been growing faster than similar companies and could offer greater growth potential. But in others, a high P/E could be a warning sign that a company's earnings may be falling.

Likewise, a stock with a low P/E may or may not be a bargain. Investors may have knocked down the stock price because of bad news about the company or its industry. The company's financial health could get better or worse. A low P/E indicates only that a company's stock price looks cheap compared to its reported earnings.

As you can see, the price-to-earnings ratio can mean different things. That's why it's just one of the tools portfolio managers use to evaluate a stock.

By younginvestor.com

http://www.younginvestor.com/

Shrug Your Way To A Beautiful Trapezius

Shrug it Off



















Verdict on A

The athlete pictured here is tucking his chin into his upper chest (neck flexion) while shrugging his shoulders. In this position, the shoulders tend to round forward, placing undue stress on the shoulder joint capsule. Even worse, the flexion of the cervical spine (neck) during this exercise can lead to a neck injury.

Verdict on B



Proper technique is demonstrated when the head is focused forward and the upper chest is held high. Now, the spine is properly aligned, the scapulae are retracted slightly, the shoulders are braced and the upper trapezius will be in perfect position to forcefully elevate the shoulders — building big traps and preventing injury.

By muscleandfitness.com

www.muscleandfitness.com/

Shape Your Shoulder Muscles With Upright EZ-Bar Row

Upright EZ-Bar Row

Raise the bar to turn your shoulders into boulders

Start



Stand upright holding a barbell in front of your thighs with an overhand, shoulder-width grip.

Movement



Maintaining an upright posture, lift the bar upward along your body, leading with your elbows to bring the bar toward your chin. At the top, your elbows should be pointing toward the ceiling. Flex your shoulders for a moment, then straighten your arms to lower the bar back to the start.

By muscleandfitness.com

http://www.muscleandfitness.com/

The Medicinal Power of Mushrooms

The Goodness Of Mushroom

Today's Question

I've been trying to include more mushrooms in my diet because I heard you say that they're really good for you. But now I've been told that certain ones are carcinogenic! Can you give me the straight scoop on this? -- Anonymous

Today's Answer

Mushrooms are a big favorite of mine, but if you're just learning about their medicinal properties, I don't blame you for being confused about which ones are -- or aren't -- good for you. In general, I advise against eating a lot of the cultivated white or "button" mushrooms found on supermarket shelves across the nation. They are among a number of foods (including celery, peanuts, peanut products, and salted, pickled, or smoked foods) that contain natural carcinogens. Just how dangerous these natural toxins are is unknown, but we do know that they are not present in other kinds of mushrooms that offer great health benefits.

Instead of white mushrooms, I suggest you look for the more exotic varieties which are becoming increasingly available in this country. Some are edible and can make a delicious addition to your diet, but some are strictly medicinal mushrooms, and they come dried or in capsule form. Here's a brief guide to my favorites, in alphabetical order:

Cordyceps: A Chinese mushroom used as a tonic and restorative. It is also known for improving athletic performance. You can buy whole, dried cordyceps in health food stores and add them to soups and stews, or drink tea made from powdered cordyceps. You can also get cordyceps in capsule form. To treat general weakness, take cordyceps once a day, following the dosage advice on the product. For health maintenance, take it once or twice a week.

Maitake: This delicious Japanese mushroom is also called "hen of the woods" because it grows in big clusters that resemble the fluffed tail feathers of a nesting hen. You should be able to find it dried or fresh in Japanese markets, gourmet foods stores, or upscale supermarkets. Research indicates that maitake has anticancer, antiviral, and immune-system enhancing effects. It may also reduce blood pressure and blood sugar.

Reishi: Strictly a medicinal mushroom -- not a culinary one -- reishi is hard and woody and has a very bitter taste. Like maitake and other related mushrooms species, reishi can improve immune function and inhibit the growth of some malignant tumors. It also shows significant anti-inflammatory effects, reduces allergic responsiveness, and protects the liver. You can buy dried, ground mushrooms and use them to make tea if you don't mind the bitterness. Otherwise, I suggest buying reishi tablets or capsules, which are available in health food stores. Follow the recommended dosage, and take reishi every day for at least two months to see what it can do for you.

Shiitake: These meaty and flavorful mushrooms contain a substance called eritadenine which encourages body tissues to absorb cholesterol and lower the amount circulating in the blood. One Japanese experiment showed that eating 90 grams (about three ounces) of fresh shiitake a day lowered serum cholesterol 12 points in a week -- it even counteracted cholesterol increases caused by adding butter to the diet. Shiitakes also have antiviral and anticancer effects. Dried shiitakes, available at all Oriental grocery stores, are also effective. Fresh ones are becoming increasingly available thanks to domestic cultivation of this delicious mushroom.

Are there any drawbacks to eating mushrooms? It's rare, but some people are allergic, and some find them hard to digest. To learn more about the health-promoting effects of mushrooms, check out www.fungi.com, the Web site of Fungi Perfecti, an excellent source for information about medicinal and gourmet edible mushrooms.

By Dr Andrew Weil

http://www.drweil.com/

Uncertain Times - Should You Invest In A Economically Down Market?

Slow & Steady Wins The Race

Suze Orman: The best way to invest in a down market.

Investing the same dollar amount every month of the year in the same stock or mutual fund—or dollar-cost averaging—is the single best way to minimize your risk of buying shares at the wrong time. And if you're thinking of investing in the current market environment, when some stock prices are down by as much as 70 percent from their highs, this is the optimum time to use dollar-cost averaging.

Why? Let's say you have $12,000 to invest this year and you have picked a mutual fund to put it in. Shares of this fund have gone as high as $15 but have fallen to $10. Now's your time, you think, and you invest all $12,000 in 1,200 shares. Oops! You were wrong. A temporary setback drives the share price even lower, and a year later shares are selling for $5. On paper you've lost $5 a share, for a total loss of $6,000; what's more, you have no money to buy more shares at the lower price (when they may be a real bargain).

If you take the same $12,000 and invest it in the mutual fund in stages, at the rate of $1,000 a month over a year, here's how you'll come out: After one year, you own a total of 1,717 shares, worth $8,585 at $5 a share. Even though the price per share is down to $5, your loss on paper is only $3,415, or $2,585 less than if you had bought the fund outright. You also own 517 more shares to profit from should the price go back up. When it's at $10 again, you'll have 1,717 shares, worth $17,170, instead of the $12,000 you'd have if you had bought them all at once. (By the way, if you contribute to an IRA or a 401(k) every month, you're already using the principles of dollar-cost averaging.) This method, like all recommended strategies for investing in the stock market, depends on your having at least ten years before you need the money you invest.

By Suze Orman

http://www.oprah.com/

Poor Financial Health For Young Family - Why?

Why Young Families Are Always Broke?

Married, with children: These are the real heroes among us. Mercifully, we're clueless about the financial implications when we take our wedding vows.

In case you haven't figured it out, the reason you always feel broke is that you are married, with children.

It's that simple.

Yes, you probably put too much on your Visa bill. And, yes, it's incriminating that you know the exact price of a Starbucks Grande Mocha. But when push comes to shove, such indulgences are minor compared to the real cause.

Children.

For better or worse, we're clueless about the financial commitment we make when we take our wedding vows.

The sad, sad numbers

You can understand exactly why it's difficult to make your paycheck cover your expenses if you'll spend a few minutes thinking about a tool once used by the Department of Labor. It's called the "Revised Equivalence Scale," and it is one of the many devices that have been used to sort out the differences in cost of living for households of different age, size and composition. While academics continue to debate the best tools, a revised equivalence scale that's more than 20 years old tells the story.

Let's say that the cost of living for a young married couple without children gets an index number of 100. From there, the revised equivalence scale has an index to represent the cost of living for each size and age of family composition.


A young single person, for instance, would get an index of 71.

The arrival of a first child takes the index to 127.

The arrival of a second child moves the index to 147.

The index continues to climb as the children age. It reaches 204 when the older child is 6 to 15 years old and peaks at 231 when the older child is 16 to 17. (The index is apparently unaware that some children go to college.)

By Scott Burns

http://moneycentral.msn.com/

You Always Want What They Have Which You Don't Have

Financial Peer Pressure

You see it, you want it. That's part of being human - no matter how old you are or how much you have. People are forever looking at what other folks have - new clothes, a new car, a new CD - and thinking that they would like to own it, too.

Buying things just because they are "what's cool now" can leave with you very little or no savings and a closet full of purchases that you really don't use. According to Linda Goodwin, president of the Children's Financial Network in Chester, NJ, the first step is to accept that you are not going to have it all. "There are choices in life, including financial choices. We all make financial decisions that may not be the best, and we need to live with the consequences," she says.

Make a budget - a first step to curbing impulse buying

To help you make your financial choices, look at how much money you are likely to have over a set period of time - for example, the next three months or a season like winter (December through March). Start by writing down your allowance and income from regular employment. Consider any events where you might receive money as a gift - like a birthday or holiday. Don't include any anticipated gifts in your budget. Wait until you actually receive the gifts before including them. You can always revise your budget to include any changes to your income.

Next, write down the things that you want to do or buy during the period and how much each is realistically likely to cost. (Don't worry about items that your parents will cover.) Things you need to plan for might include clothing, sports equipment and activities, such as concerts and eating out. Are you saving for any long-term financial goals, such as college or a car? Do you plan on giving any gifts? Will some money go to charity? Is some cash for spontaneous purchases?
How to decide what to buy - ask yourself these questions If, after making a budget, you discover you want more than you can afford, you'll need to decide what things to get and what to skip. In other words, consider prioritizing the items you want to buy. Maybe there are some items that you can postpone purchasing. You'll have to make some tough choices, and to help you, here are some questions to ask yourself about each item. There are no right or wrong answers. These questions are to help you reflect on your purchasing decisions:

Why you want the item?

Your best friend might have a new computer game. Do you want the game because you think your friend's cool or because you actually want to play the game?
It's also important to ask yourself if you're trying to keep up with the spending habits of a wealthier friend. It's important to remember that there will always be people who will have more or less money than you. Buying something just because someone has the same item is not a good reason for making a purchase.

Will you use the item more than once?

Wanting can be more compelling than having. Don't blow a big chunk of your budget on something that never sees the outside of your closet again.

Will a different purchase make you just as happy?

Maybe you can't afford a whole new wardrobe this period, but maybe one or two shirts will be enough to spruce up your look.

What are the things you won't be able to do later if you make this purchase now?

Buy an expensive pair of jeans, and you may not have the money to attend a concert next month.

How will this purchase affect my plan for one of my long-term financial goals?

Too many concert tickets now could put off the day you buy a car, and too many expensive athletic shoes now could put that big ski trip out of reach.

What if your spending choices match those of your friends?

That's fine - so long as they really are your choices. Get in the habit of making your own decisions about money, and you'll probably be happier about each dollar and purchase you make.

Finally, don't ignore your past mistakes.

If last year you ran through your December holiday money by the first week of January, you might try to pace yourself this season. Or maybe you bought a CD on a friend's recommendation last year and hated it. You might think twice about taking his advice again, or decide to borrow the CD so you can listen to it before you head to the store.

By younginvestor.com

http://www.younginvestor.com/

The Health Benefits Of Gingko

Ginkgo

Improves tinnitus, relieves Alzheimer's symptoms, reduces inflammation caused by asthma and allergies, fights stroke damage, eases multiple sclerosis outbreaks, lessens peripheral vascular disease and Raynaud's symptoms

Talk about late bloomers! Ginkgo, the oldest living tree species on earth, has been used medicinally by the Chinese for some 4,000 years. Yet only in the last two decades have Western medical researchers found evidence that ginkgo may offer hope for a host of age-related problems. Ginkgo trees, also known as maidenhair trees, are often planted on city streets. The tree's fruit smells awful when decomposed and can cause skin irritation, but the almondlike seed within is prized as a commodity in Asian markets.

It is the ginkgo's pretty, fan-shaped leaf, not its foul fruit, that excites scientists these days. Although little known in this country outside of health food stores, a concentrated extract of the plant has been the number-one prescription drug in Germany, where it is used to help asthma and circulation problems. And unlike many plant-based therapeutic agents, "ginkgo preparations have been extensively tested in people, not just in animals and test tubes," says Norman R. Farnsworth, Ph.D., director of the Program for Collaborative Research in the Pharmaceutical Sciences at the University of Illinois at Chicago.

Powerful Medicine

What's in ginkgo extract, and what can it do? The active constituents include unique compounds called ginkgolides. One of these compounds, ginkgolide B, has been shown to suppress a clot-promoting substance in the human body called platelet activating factor, or PAF. Since PAF is a key player in body processes such as allergic inflammation and asthma, the disease-fighting potential of ginkgo is intriguing. This and other substances in ginkgo extract have shown various benefits for the ills of old age, especially those resulting from decreased blood supply to the brain and other parts of the body. These effects are believed to stem from ginkgo's ability to dilate arteries and capillaries, the tiny blood vessels that nourish the body's tissues.

Perhaps most exciting is ginkgo's potential for improving short-term memory loss and depression in elderly people. "The research on ginkgo and Alzheimer's disease is producing extremely good results in France and Germany," says Daniel B. Mowrey, Ph.D., director of the American Phytotherapy Research Laboratory in Salt Lake City, Utah, and author of The Scientific Validation of Herbal Medicine. "It seems that the earlier you catch the disease, the greater the chances that you can reverse it by taking ginkgo extract."

The extract has also reduced symptoms of peripheral vascular disease and Raynaud's disease, two painful conditions involving impaired circulation in the feet and hands. And "there are many clinical studies showing it can reduce tinnitus, or ringing in the ears, which affects many older people," according to Dr. Farnsworth.

German research performed on laboratory rats confirmed previous evidence that ginkgolide B may minimize the devastation of stroke. And a French study on humans showed that it may even allay bouts of multiple sclerosis.

Rx: Going Ginkgo

Remember, though, the only well-demonstrated benefits of ginkgo have been from a concentrated extract, not from the leaves themselves. Such extracts are available in the United States, and they are labeled as food supplements, not drugs, in accordance with U.S. regulations. Regular use of such products is widespread in Europe, according to Varro E. Tyler, Ph.D., professor of pharmacognosy at Purdue University School of Pharmacy in West Lafayette, Indiana, and author of The Honest Herbal.

Ginkgo extract is generally considered safe, says Dr. Tyler, although it has been noted to cause some generally mild side effects, including restlessness and digestive upset. If you experience such symptoms, he advises, discontinue use. And since ginkgo also affects the body's clotting mechanism, Dr. Tyler warns, use it cautiously if you take anti-clotting medications, including aspirin, or have a clotting disorder.

Dr. Tyler also warns against ginkgo hype aimed at older folks. "While ginkgo has apparently been effective in treating ailments associated with decreased cerebral blood flow in old age," he says, "claims that ginkgo extract will 'reverse the aging process' and increase longevity are, of course, unproven."

By organicfood.co.uk

http://www.organicfood.co.uk/herbs/ginkgo.html

Pamper Yourself With A beauty Bath To Stay Youthful

Ten Top Natural Beauty Products

The global beauty industry is dominated by brands like L'Oreal, Nivea, Wella, Avon and Procter & Gamble. Together, the worldwide market is worth about £110 billion ($160 billion). To give this huge sum of money perspective, we spend more on beauty in the west than we do on education. Which sounds stupid, but is possibly perplexingly clever as both attractive men and women have been found in studies to earn more than their less attractive counterparts.

That said, Organicfood.co.uk certainly doesn't recommend rushing to the bathroom just yet... Let's explore what the big guys are selling us. Just look at the ingredients lists on their products and decide if you're happy with them. Sodium laureth sulphate, sodium lauryl sulphate, para-phenylene-diamines, phthalates, parabens and even formaldehyde are almost certainly lurking in your cupboard.

So why bother going green in the bathroom? Quite simply, up to half the beauty products you put on your skin end up inside your body! Except the gunk you put on your hair with all the B vitamins, which just sit there and do nothing.

So what are we to do? On the one hand, the beautiful people get more fun. On the other hand, they get the chemicals. Well, we recommend changing your definition of beauty. Think of beauty as feeling healthy, happy and empowered, because when you feel that way, you can't help but look gorgeous!

Here are some highly effective, modern and simply gorgeous natural beauty products that really deliver the performance you want without any of the nasties. Just remember to think happy thoughts while you're using them, washing away your worries and woes, and smoothing on inner calm and loveliness...

1. Spiezia Organic Cleansing Cream

Meltingly rich cream made by Cornish based 100% organic Soil Association certified company. It's a dream product containing calendula, chamomile, sage and eucalyptus to cleanse the city out of your skin. Heavenly. Also check out their Night Cream and Night Time Extra.http://www.spieziaorganics.com

2. Green People Rosemary and Pink Clay Shower Gel

Give it a good shake! Then squeeze a tiny amount onto a skin brush and be amazed at the richness of those suds! Fantastic product for problem skin, it will leave you with the smoothest and softest skin you've had since you were a baby. Also check out their SPF8 Edelweiss and Aloe Vera Sun Lotion.http://www.greenpeople.co.uk

3. Weleda Iris Intensive Treatment Masque

All Weleda products contain organic and biodynamic herbal extracts. This super-rich oil-free gel refreshes tired skin and gives you a lift. Pleasant geranium smell, and very eco-friendly packaging, too, Leaves your skin feeling more flexible, especially when proceeded by Iris Cleanser and Toner, and followed by Iris Moisture Cream, Day Cream or Night Cream. Gorgeous!http://www.weleda.co.uk

4. Kiss My Face Rough Thyme Gentle Exfoliant

Designed as a gentle shower gel, I also use it as a monthly face wash. It's exotic mixture of cinnamon, clove, thyme and bergamot leaves you zinging, ready for the world to kiss your face. Also check out their Chinese Botanical Moisturiser.http://www.kissmyface.com

5. REN Quinoa and Camellia Moisturiser

This stuff's the business. Packed with exotic naturally functional ingredients, REN products are all pretty fab. The packaging looks really great, too, although it's a bit heavy on the plastic to be fully green. This moisturiser is rich enough to offer protection but light enough to be absorbed.http://www.ren-ltd.uk

6. Organic Blue Sensual Bath and Massage Oil

A rich and pungent blend of oils including patchouli and ylang-ylang. Nice blue glass bottle, plus we like the bits of tagged-on philosophy to ponder whilst bathing. Also available are shampoos, shower gels, a range of supplements and vapour blends.http://www.organicblue.com

7. Circaroma Geranium, Frankincense and Lavender Hand and Foot Balm

Packed with essential and organic oils, this cream is heavy duty therapy for your very driest bits. Gardener's thumb be gone! And sort out those dodgy heels with this think and oily paste.http://www.circaroma.com

8. Origins A Perfect World

This is a delicious product that makes you feel nice. Full of silver tip white tea, boswelia and walnut extracts, this pre-moisturising lotion really does naturally smooth away tiny lines and blemishes. Origins is owned by Estee Lauder, possibly showing a brighter future direction for the big boys.http://www.origins.com

9. Optima Healthcare AloeDent Aloe Vera Toothpaste

So much better tasting than both synthetic toothpastes and many natural non-mint ones, this is gourmet peppermint toothpaste! Also packed with natural tooth and gum care ingredients like echinacea, tea tree oil, vitamin K and horse chestnut. Go get some from your health food store.

10. Jason Natural Cosmetics Tea Tree Oil Hair and Scalp Therapy Shampoo

This rich and soothing shampoo contains nettle, rosemary, witch hazel, mallow, calendula and comfrey as well as that all-important tea tree oil. Great for irritated scalps, just as good at transforming dry or damaged hair into luxuriant locks. Also look out for their Swimmer's and Sports Shampoo, plus Tea Tree Deodorant.

By Ysanne Spevack

http://www.organicfood.co.uk/

Ideas That Help You Achieve Your Investment Objectives

Ideas To Help You Build Your Fortune

How would you like to build up a pile of money for yourself? You may be able to improve your chances of doing this if your investment plan sticks to three basic ideas:

1. Invest regularly.

2. Don't try to "time" the market.

3. Think long term.

Invest Regularly

By investing the same amount each month, you can build up a solid portfolio over time. One option for mutual fund shareholders is to enroll in an automatic investment plan (AIP) that electronically transfers money from a checking or savings account to a mutual fund account.

Investing the same amount on a regular basis - regardless of market conditions - is a strategy known as dollar cost averaging. When prices are low, the fixed amount you invest buys more shares of your mutual fund. When prices are high, it buys fewer shares. Over time, this strategy tends to reduce your average purchase price per share.

Automatic investing allows you to invest across all market cycles. This helps you stick to a long-term plan, riding out the short-term market swings.

You should understand that automatic investing requires a long-term outlook, and not everyone can invest regularly. Automatic investing doesn't ensure a profit or protect you against a loss in a declining market. And it won't keep you from losing money if you sell shares when the market is down. But investing a fixed amount on a regular basis can help you make steady progress toward your investment goals.

Don't Try To "Time" The Market

Trying to sell stock when you think the stock market is at a high point and then trying to buy stock when you think the market is at a low point is called market timing. Realistically, there are very few people who can time the market successfully on a regular basis. This is why many financial experts believe that the smartest thing the average investor can do is invest regularly and think long term.

Think Long Term

The stock market historically has gone up, but not straight up. Investors are reminded of this fact when stocks go through a period of falling prices called a correction.

Analysts measure corrections by the percentage change in prices from their highs to their lows. Decreases of five percent to 10 percent are called routine declines. Historically, these may happen several times a year. Decreases of 10 percent to 20 percent are called corrections. These have historically occurred about every two years. A decrease of 20 percent or more is called a bear market. Bear markets have happened about every three years, on average.

Investors with long-term outlooks won't be alarmed by a routine decline or correction. In fact, a correction is a normal part of the investing cycle. Often times, a correction helps to remind people that the markets go down and involve risk. However, long-term growth investors may use it as an opportunity to buy some of their favorite stocks at lower prices.

The advice sometimes offered to investors is "don't get too caught up in watching the stock market's changes from day to day." It's fun to keep track of the stock market, but it makes more sense to watch its returns over longer periods of time.

The stock market has gone through many ups and downs. In 1987, the stock market crashed, and many analysts predicted years of poor returns. Instead, the markets recovered and hit new highs within the next 13 months. Of course, past performance doesn't guarantee future results, but investors who maintained a long-term focus have been generally rewarded by market returns.

While nobody knows where the stock market is headed, most experts agree that stocks are one of your best bets for reaching long-term investment goals.

By younginvestor.com

http://www.younginvestor.com/

How Wall Street Come About In This Financial World?

Why Do They Call It Wall Street?

When people talk about Wall Street, they usually mean the big financial companies that help investors buy and sell stocks and other securities. But Wall Street is a real place, too.

Located in New York City, Wall Street was named for a wall built by Dutch colonists in 1653. For a long time, Wall Street was a dirt path leading to the East River. On the piers of the river, merchants traded paper shares of a ship's cargo, making it unnecessary to carry large amounts of gold or silver.

During the 1800s, companies raised money by selling stock on the curbs of Wall Street. At that time, the stock market was called The Curb and brokers who helped companies sell stock were known as curbstone brokers. These brokers used elaborate hand signals to trade because there was so much shouting and confusion. It was not until the 1920s that the stock market moved indoors.

Today, sophisticated computers handle most of the actual securities trading. However, traders still use hand signals to communicate with each other.

By younginvestor.com

http://www.younginvestor.com/

How To Preserve Your Wealth So That You Can Enjoy Retirement Happily

Seven Steps To Preserve Your Wealth

There are plenty of ways of preserving wealth in real terms, protecting against most of the uncertainties that may threaten it and allowing you to sleep comfortably at night.

Those who aim to preserve wealth during their lifetime, as opposed to passing it on intact to their children, do not need mind-bogglingly complex legal trusts, tax scams or hiding assets overseas.

There are all manner of professionals who make a fat living by persuading the wealthy that they must set up such schemes and as Hutchence’s family discovered, the effects on their wealth can occasionally be far worse than even the most draconian tax regime.

What follows is not detailed investment advice (as a journalist, I’m not authorised to provide that) but it is a common sense outline for further planning that will leave you in control, and your overheads and time spent in administration at an absolute minimum.


Six reasons we are scared to invest

1. Tot it up

First, you need to establish the value of your money and assets. That’s easy enough for shares, property, cash, antiques and so on.

It’s harder for such things as share options in an employer, part holdings in private businesses or other assets which may be hard to realise at a given time, or whose value may be volatile.
A very conservative valuation should initially be attached to any such assets.

2. Set realistic objectives

Setting your objectives is an absolutely vital step. If your goal is wealth preservation, that means accepting that long-term sustainable increases in the real value (ie post-inflation) of your assets is likely to be low single figures, almost certainly below 5%.

It is always possible to go for more, but not much more without raising the risk profile. The risk-free return on lending to the Treasury, as measured by index-linked gilt yields, is currently 1.3% to 1.5% plus RPI inflation which is a good basic benchmark to start at.

While that may appear low, it is worth bearing in mind that the best performing long-term asset, shares, has only averaged 5% plus inflation over the last century or so. That return comes with a fair slice of risk, certainly for investment horizons of a decade or less.

3. Assess your risks

This is probably the single most important element of the entire plan.

Unidentified risks are a far greater threat to your wealth than tax. While tax may threaten a proportion of your wealth, poorly-identified risks can destroy it all.

This doesn’t just mean the asset risks within your investment portfolio, such as the proportion of government bonds to shares, or whether you have too much money tied up in junk bonds, but the whole financial context of your life.

Typical questions to ask yourself include: What happens if my employer goes bust? What happens if a financial services provider I have invested with collapses or is unable to meet its promises? Is my occupation pension secure? What happens if an elderly relative has to go into residential care? What happens if I divorce? Do I have enough personal, property and illness insurance?

Listing these risks, working through their implications and attaching a probability to them may be depressing, but it can help clarify the issues.

An introduction to dealing with risk
The benefits of flexibility

4. Adjust for the unexpected

Not all risks can be negated as easily as, say, inadequate property insurance cover. An employer bankruptcy is always going to be a disaster, but even more so if you have a home loan funded by them or if all your wealth is tied up in share options.

Attractive as the next tranche of cheap options might be, it might pay to put the money elsewhere. You can also hedge the value of existing options through “down bet” contracts for differences or spread bets.

Those who spend a lot of time travelling may find it makes sense to have overseas bank accounts in the euro and dollar and more deposited than is required for day-to-day expenses.
This not only protects against the transaction charges and absurdly wide spreads on piecemeal currency conversion, but in the remote chance of another sterling collapse like Black Wednesday 1992, it would help soften the blow because your wealth is spread across a number of currencies.

5. Never forget inflation

Inflation consistently nibbles away at the value of certain investments.
Government bonds (gilts), the foundations of conventional wealth-preservation are badly damaged by inflation.

That is why conventional gilts (still an important part of any wealth-protection portfolio) should be balanced by a portion of index-linked gilts whose payout rises in line with inflation.

Those who own property have some in-built protection against inflation, but there are sometimes times (as now) when the price of everything but property seems to be rising.

Why gilts are important and how to buy them

6. Don’t under-estimate the effect of charges

Even modest charges can eat away at your investment returns.
An adviser or fund management group who offers services at 1% is going to get more than a quarter of your contributions over 25 years.

Unless you really do require specialist help, you may be paying charges for nothing.

See my article on hedge funds

7. Tax

Tax can be complex but the basics are very simple. UK tax generally leaves your wealth untouched during your lifetime, but tax is levied on the income derived from that wealth.
Realised gains in wealth are taxed under capital gains tax. This is levied at your marginal income tax rate on gains in excess of the annual exemption limit of £8,500 (2005/06).

CGT does not apply to gains made within your pension, so a Self Invested Personal Pension is the ideal place to put assets that you hope will increase in value.

Under rules which come in next April, a much wider range of assets including both residential and commercial property can be sheltered in SIPPs.

CGT does not apply to gilt-edged stock, nor premium bonds, which makes them particularly useful additions to a wealth-preserving portfolio.

If you want tax-free income and total freedom from risk, the easiest place to look is National Savings and Investments, which offers premium bonds and both fixed and inflation-linked savings certificates.

Conclusion

Inevitably, this piece is only a starting point on wealth preservation. However, getting the planning ball rolling is half the battle.

If you listen to advisers and lawyers, you would think that wealth preservation is really just about dealing with tax. That is very far from the case. The important thing is actually thinking about your objectives and risk. The rest will flow from that.

By Nick Louth, MSN Money Special Correspondent

http://money.uk.msn.com/

Have You Thought About Health Care For Your Parents?

Planning for Long-term Health Care

It’s the unspeakable. We all know about saving for retirement, but how many of us plan for when we or our parents can no longer take care of ourselves?

While many of us have concerns about health as we age or we watch our parents age, most of us simply do not want to think about the issue. Few of us are planning for the eventual need for long-term health care.

Many financial planners believe that Americans are not financially prepared to deal with the issue of long-term health care. We’ re all living longer yet living longer does not necessarily mean living in perfect health. And the costs of long-term health care both financial and personal can be high.

Just thinking about the need for long-term health care raises a myriad of potentially disturbing questions:

Who will make decisions about my care when I am unable?

How can I make sure I'm not a burden to my family?

How can I take care of my aging parents?

What options are available to me and to my parents for long-term health care?

Everyone needs to consider these questions… before the need arises. Proper planning and open discussion among family members can promote effective financial planning, ensure that the best alternatives for care are chosen, confirm that everyone agrees on a plan of action, and help loved ones avoid being caught unprepared.

Times have changed

The personal costs of long-term health care

Planning for the inevitable

Long-term health care preparations

Plan ahead

By The Financial Planning Association

http://www.fpanet.org/

How To Take Care Of Your Health From Illness?

Illness: The Cause and Cure of Human Illness

Illness: The Cause and Cure of Human Illness written was written by Arnold Ehret.This remarkable book about eliminating illness was last printed in Germany in 1914 and is now avaliable for the first time in English. This is a translation of his book Kranke Menschen (People of Illness). The book offers insight into true strength, health, vitality and happiness. It tells people how to take their health back into their own hands and to conqure Illness forever. It offers affordable, effective and available answers. It explains how to take responsibility for your own personal well being. The Cause and Cure of Human Illness lets the reader find alternative ways of managing their health and overcoming illness.

The cause and cure of Human Illness has been translated recently for the first time into English by Professor of German, and Ehretist, Dr. Ludwig Max Fischer is now available. Ehret's new book contains new insights, empirical evidence, medical testimonials and patients' reports about miraculous healings of all types of illness. With his unique clarity and brilliant argumentation Ehret again shows the common root cause of all illness, aging and death. Based on his courageous fasting experiments and the nutritional curative work with thousands of people suffering from incurable illnesses, Professor Ehret offers concrete, easily implemented, inexpensive, readily available solutions for everyone walking on a path towards health and vitality through self- responsible action. A must read for every person interested in health, nutrition, spirituality and overcoming illness,

A nutritionist, health practitioner, health lecturer and college professor, Arnold Ehret, wrote several books on a healthy way to eat and live. Among other things, he recognized lactose and gluten intolerance and taught portion control and fasting techniques. Two of his books, The Mucusless Diet Healing System and Rational Fasting, have been continuously in print since 1920. Many of today’s health practitioners follow his teachings.

By Professor Ehret's

http://arnoldehret.org/

A Health Message To You By Arnold Schwarzenegger

A Message To You

As many of you know, for years I served under President Bush as the Chairman of President's Council on Physical Fitness and on the California Governor's Council on Fitness. I declared war on "Couch Potatoes" and visited all fifty states on a crusade to promote physical fitness. It was very important to me then, and now that Maria and I are the proud parents of four "Schwarzen-Shrivers", the subject is of even greater importance.

We've made great strides in the last decade, but America still falls seriously behind other nations in Fitness. Many of America's youngsters between the ages of 5 and 8 already show at least one heart-disease risk factor: obesity, elevated cholesterol or high blood pressure. This is America's secret tragedy. Most students, male or female, can't run a mile in less than 10 minutes or do a single pull up. These statistics are alarming, and the fact is that only WE have the power to do something about these problems. Already most of you have come up with ten excuses why you can't do something. But I don't buy the word "can't". It's not in my vocabulary and I know you can get it out of yours. Ask yourself, would you rather get fit and healthier?... or slower... and sicker?

Fitness must start at an early age. We must get daily physical education back into our schools. I am especially concerned with states that are doing little or nothing to promote Daily Quality Physical Education Classes. These classes not only get young people fit and reduce their cholesterol, their stress and their health risks, but at the same time also increase their stamina, their energy and their coordination. In addition, they also learn valuable tools for life-- discipline, camaraderie, competition and they gain self-esteem and do better academically. But most importantly young people learn how to stay healthy-- and because they feel good about themselves, they are less likely to get involved with drugs or alcohol.

Parents must insist that school boards support quality daily physical education. Let me be clear here-- I'm not talking about fitness only for those who try out for the school teams. I'm talking about fitness for those who don't make the teams-- those who aren't the star quarterbacks or the star basketball players. It doesn't take a lot of money and fancy equipment... what it takes is will and opportunity. I've never paid for a push-up or a sit-up in my life and I've done millions. As parents, we all have the power to go back to our local community and make changes in our schools. First, we should put apples and oranges in our vending machines and take out the junk food. Second, insist we test student's fitness levels. We test in math, english, science-- why not test in the area of physical fitness too? Most importantly, if there is a budget crunch, we shouldn't just cut physical education completely out of the program-- we wouldn't think of entirely eliminating math or history-- instead we should make equal cuts from all subjects. It's just as important to grow up fit as it is to grow up smart.

But the responsibility for fitness cannot be left entirely with our schools. Studies show that when families exercise together, overweight kids lose their extra pounds more quickly and the whole family achieves a healthier lifestyle. Many parents say they work long hours and don't have the time. That's rubbish. If we can watch two hours of television at night, we can find the time to spend 30 minutes with our kids to promote fitness and health. And it's FUN! Parents are looking for ways to communicate with their youngsters. This is the way to do it--a walk after dinner, a half hour of playing catch, a bike ride together, kicking the soccer ball around... there are a hundred different ways. The bottom line is that if young people don't make the time to get fit today, they are going to have spend the time at the doctor's office tomorrow.

Young people are not the only ones at risk. Only a small percentage of adults in the United States claim they exercise regularly and far less do vigorously enough to produce cardio-respiratory benefits. It's no wonder more than 1.5 million Americans, many of them at the peak of their careers, have heart attacks. I'm also very concerned about our senior citizens. Those who don't keep active seem to decline quickly. It's important to inspire ourselves to exercise regardless of age. We just have to make adjustments. But no matter how old you are, there are exercises and stretching routines, and activities such as dancing and brisk walking, that will keep the cardiovascular system going.

Get out and do it, America. But don't do it for me, do it for yourselves. It will be fantastic!

Sincerely,


By Arnold Schwarzenegger

http://www.schwarzenegger.com/

Increase Your Cardiovascular Fitness By Jogging To Maintain Good Health

Back To The Basic Cardiovascular Exercise : Running/Jogging

This is classic cardio and probably the first thing people think of when they think of getting in shape. Running can be done on the road, on a track, on a treadmill, through the woods, etc. All you need is a pair of shoes. Running is a very natural activity, one that the body was built to do.

Running is also very effective at reducing hip size. It is a very high-impact activity though, and very overweight people would be better off with something less jarring such as fast walking, cycling or swimming. As with anything, start off slowly and gradually work up your speed and distance until you get where you want to be. Running can also be a very social activity if you have a running partner or join a running club.

But beware, here are some preformance tips that can help you...

Be careful when running down hills, as the impact is much greater. Overuse injuries due to excessive running are often caused by running downhill.

Ensure your foot is landing straight and is not splaying out to the side or inward.

If you get abdominal cramps while running you have a few options: stop and let it fade, stretch it out a little while running, massage the area, press on the area with your fingers or use your fist and punch the spot lightly. Cramps are caused by localized circulation difficulties. These strategies will help increase the circulation.

Get good shoes.

Allow your torso to rotate when striding. This will lengthen your stride and tighten up your waist as a bonus.

Keep your body erect and do not allow yourself to hunch over.

Don't bounce up too high when running. The goal is forward motion, not excessive up and down motion.

Don't run in areas where air pollution is bad. Running gets air into the really deep passages of your lungs. You don't want to saturate those areas with pollution.

By Nick Nilsson

http://www.bodybuilding.com/

Aerobic Dance Classes Can Be Fun & Is Good For Your Cardiovascular Health

Aerobic Dance Classes

The aerobic dance class is what likely pops into your head when you think of aerobic exercise. These classes can be very effective for cardio training. Be sure you are being taught by a qualified instructor. There are also many excellent videos out so you can exercise in the privacy of your own home instead of going to a class.

For many people, the social component of aerobic classes is what keeps them coming back. If you have no rhythm, however, this may not be for you as you may get frustrated. You can buy aerobic shoes or simply use ordinary running shoes (make sure they have good padding and ankle support).

There are a few different basic types of aerobics: low-impact, high-impact, step and water. Let me explain them further...

Low-Impact aerobics classes always keep one foot on the ground. There is no jumping or pounding to hurt joints. This is a good thing for anybody but especially for those who have a lot of excess weight and can't or shouldn't jump around.

High-Impact aerobics involve some jumping movements and are appropriate for more advanced exercisers than beginners.

Step Aerobics are done on a raised platform (adjustable) using a variety of moves designed to take advantage of the stepping-up movement. Step aerobics can be low-impact or high-impact.

Water Aerobics are simply aerobics done in the water. They are very low-impact and, due to the buoyancy of the water, are very good for overweight people. It is not necessary to know how to swim to do water aerobics as they are usually done in waist-high water.

A recent innovation in aerobics is to include various marital arts or boxing moves into the mix, e.g. punching, kicking, etc. The popular Tae Bo? videos are an example of this style. They give you the benefits of an aerobic workout plus some knowledge of self-defense.

By Nick Nilsson

http://www.bodybuilding.com/

Why You Should Choose Organic Food?

10 Top Reasons to Go Organic

1.Organic produce is not covered in a cocktail of poisonous chemicals. The average conventionally-grown apple has 20-30 artificial poisons on its skin, even after rinsing. Trust your instincts, and go organic!

2.Fresh organic produce contains on average 50% more vitamins, minerals, enzymes and other micro-nutrients than intensively farmed produce. Science says that it's good for you.

3.Going organic is the only practical way to avoid eating genetically modified (GM) food. And by buying organic food, you are registering your mistrust of GMO's and doing your bit to protest against them.

4.If you eat dairy or meat products, going organic has never been more essential to safeguard you and your family's health. Intensively-reared dairy cows and farm animals are fed a dangerous cocktail of anti-biotics, growth promoting drugs, anti-parasite drugs and many other medicines on a daily basis, whether they have an illness or not. These drugs are passed directly onto the consumers of their dairy produce or meat., which must be a contributing factor to meat-related diseases like coronaries and high blood pressure.

5.About 99% of non-organic farm animals in the UK are now fed GM soya. And there has never been a reported case of BSE in organic cattle in the UK. Common sense says that organic is safe food.

6.Organic produce simply tastes so much better. Fruit and vegetables full of juice and flavour, and so many different varieties to try! There are about 100 different kinds of organic potatoes in production in the UK, and that's just potatoes!

7.Organic farms support and nurture our beautiful and diverse wildlife. Over the last thirty years, intensive farming in the UK has led to dramatic erosion of the soil, a fall of up to 70% of wild birds in some areas, the destruction of ancient hedgerows, and the near extinction of some of the most beautiful species of butterflies, frogs, grass-snakes and wild mammals.

8.Organic food is not really more expensive than intensively farmed foods, as we pay for conventional foods through our taxes. We spend billion of pounds every year cleaning up the mess that agro-chemicals make to our natural water supply. And the BSE crisis cost us 4 billion pounds. Go organic for a genuine more cost-effective future.

9.Intensive farming can seriously damage farm workers' health. There are much higher instances of cancer, respiratory problems and other major diseases in farm workers from non-organic farms. This is particularly true in developing countries, and for agrochemical farms growing cotton. So go organic if you care about other people.

10.And if you simply like the idea of your children and grandchildren being able to visit the countryside and play in the forests and fields just like we did when we were young, go organic for the sake of all of our futures.

By Ysanne Spevack

http://www.organicfood.co.uk/

Introduce The World Of Investing & Finance Early For Your Kids

“Early Bird Catches More Worms”

Early introduction to the children’s mind the field of business and investment might not be a bad idea. Some might think that they are too young for that and they need to enjoy life as a kid. In our case. My family have a monthly interfamily stock tournament where every month has a winner and have a $ 5 prize whoever has the highest growth of their stocks. The players are me, my wife, my 8 years old son and my 10 years old older son. We all have a fictious starting money of $100,000 to play and buy a stocks. My two kids were enjoying the contest, because they know their opponents, their mom and dad. Almost everyday, my two son will ask me How was his Nokia , Walmart, Walt Disney , Citigroup is doing? One time , My 8 years old son ask me how was his Walmart doing is it up or is it down? I was too tired from the job and I was not able to check the individual stocks but I knew that the Dow Jones Industrial Averages , Nasdaq and S&P were slump deeply in response to Dell and HP profit earnings news. So I responded and make a little story underestimating his intelligence that your Walmart is gaining for the day. But before that the first few words that come to my mouth was a little financial news to my Kids that the Dow Jones Industrial Averages and Nasdaq plunges so deeply that there was a massive sell off particularly he technology sector. My little kid responded with question to me and said” you said Pa that the the Dow Jones is down, how come my Walmart is gaining”? I was a little bit embarrass by myself and forget that my two kids have already knew all the 30 members of the Dow Jones and more than 50 members of the Nasdaq. When I check my computer the Walmart was losing approximately 2%. It surprise me so much and proud of myself that they have an idea already that if the indexes are down more likely the members or the components are also down. Perhaps you might think that they can not understand and its is too hard for them. If this works for my family, there is no reason that will not works for you. Unless you are not willing and motivated to do so. After six months of our family tournament, my two kids will pick their own stocks based on their own fundamental analysis and technical analysis. First they valuate the stocks and choose a P?E ratio from 10-25 only for the very simple reason that they need to be more defensive because there is no signs of turning around of the economy yet.. They also know how to analyzed if the stocks are oversold and overbought using the slow and the fast stochastic. Although , they were having hard time pronouncing the moving average convergence and divergence, they still aware to look for a valley for a buy opportunity and a mountain for a sell opportunity.. Other technical analysis like the money flow index , relative strength index, bolllinger band and parabolic stop and reversal are also part of their tool in picking the stocks for out tournament.

Parents devote themselves to their kids. They always look after them. They work hard enough to provide their children's happiness. They make sure that there is enough food in the table to nurture them and have a good health. All the love and care are cultured and cultivated in every moment sprinkled with kisses and hug that will inevitably bloom to its fullest fragrance of unconditional affection. Parents also express their love by buying them toys, cards, video games and other entertainments. My kids love pokemon cards. They have a club in Hastings where they play, trade and battle with their cards. They have several hundreds of cards arranged according to their powers. This might be sounded like a waste of money. For their happiness, we feel that we have to buy something for them that they are crazy about. To make the best out of this spending habits of pokemon cards, I relate their knowledge compared to the stock market. As they do trading, I coach them to trade well taking out their emotions. during their trade. At one point in the past, one my kid wants to trade something that he does not knew if that was a good trade or bad trade. I told him, never trade card unless you knew what you are doing. Never trade unless you gain something and you are advantages to your opponent . Do not trade just for the sake of having a trade, this will make you a compulsive trader gaining nothing. You must trade objectively in order to win. I also teach my kids the value of patients and never tried to force yourself to trade. We came back after one week and he only have a two trades on that after noon and was a very successful one. He was able to trade a weak pokemon cards to a stronger holographic one that he likes it the most. Five minutes before closing, he was able to trade a better holographic cards with much power in it, because the other kids was just carried by his emotions and afraid not to have a trading. on that session. On next week session , h was succesful again to trade a good cards.

All of this, as I explained to both of my kids is exactly the same as the stock market. Controlling your emotions, your patients and your knowledge will play a great rule in your success. My son Kivin won two games in the pokemon and get 40 points on this session.

By webspawner.com

http://www.webspawner.com/

Teach Kids To Buy Insurance For Their Stock Investment

Teaching our Kids in Buying Insurance of our Stocks

It is very important to learn on how to protect our individual stock or portfolio against market downturn. Buying protection of your stock against. You might think that this sound too complicated to kids but my 9 years old kid and 11 years old kid started already about option trading. Our stock market tournament in the house continues. August 2002, my oldest kid gain approximately 79% of the his portfolio while my younger ones loss almost 50% in one month. The tournament is about buying 3 or more stocks which they think will go up worth $ 100,000 of fictitious money and at the same time buying option $ 100,000. The first three option strategy that I did introduce to my kids were buying puts which is betting that the stocks will down , buying calls thinking that the stocks will go up. The third strategy is called straddle. This is buying put and call with the same number of contracts, the same strike price and the same expiration date. We bought 30 days contracts. The time horizon contracts in real trading is probably to short and do not have enough time to move. However, for the just learning purposes, I choose stocks that fall greater than 30% from its high, with a overvalued fundamentals, with a beta of greater than 1.5, having a chart than is in consolidation phase. I explained the terms about what is in buying in the money, out of the money and at the money. To my surpise, the younger one pick up meaning of those just like one click start of an engine. So I continue inctroducing other terms like protective puts. Kivin was asking to if he can buy protective put all the time to protect the stocks.

By webspawner.com

http://www.webspawner.com/

Financial Knowledge About Money For Your Kids To Enhance Their Wealth In The Future

Teaching Our Kids About Money

Rich parents will more likely have rich kids. Education from our kids always starts from home. They learn from our way of living, how we are doing in everyday life. They are very observant to adults, grasping little by little , day by day . One day , I saw my 3 years old kid facing the mirror holding a disposable razor with plastic handle trying to shave his mustache. He was very curious, no doubt in my mind he saw me doing the shaving of my mustache. When I bought a pocket organizer and phone book, he has to have one too. The learning never stops and there is so much to learn. We need to encourage our kids to read more books as many as they can. My eight years old and ten years old kids already knows how to valuate stocks if it is cheaper or expensive to buy based on P/E ratio. They even learned technical analysis using the 50 days moving average and 200 days moving average. The can even tell if the stocks are overbought or oversold using the slow and fast stochastic. As eight and ten years old kid, they learned so much and enjoyed it thru our interfamily tournament every month. The first month we started buying stocks based on the stocks they know and heard about. The both memorized already all the 30 DOW Jones components and 20- 50 NASDAQ stocks. The next few months of our tournament. We are buying stocks screened with their fundamentals. As the economy keeps on deteriorating, We decided to stay on the old defensive stocks which both of them are gaining every end of the month. The incorporate one very volatile stocks like RFMD, FLEX and even CMGI. My younger once are very aggressive. Since, he been watching CMGI that it keeps on falling hard and he had an idea that this stocks will jump so high. He decided to buy this stocks after 7 days of falling. I advice him not to buy the stocks because it is very dangerous stocks, in real money you will lose a lot. He just replied, I know Pa. So he did what he want, The next day CMGI jumped 38%, and he was so happy because he was ahead of the game. Now I did advice him this a is already a big jumped, most of the stocks will pullback. You might consider selling the stocks.. Well, I still want to hold just for one day and I am going to sell if it jumped one more, he replied. The next day, CMGI rose another 39% and then he sold it. The third day after he bought the CMGI, it fell 17% AND then another 8% day by day. He was laughing he did gain 77% in two days. He sold his CMGI and bought MCD and gain l;ittle by little. Then he tried another speculation MFNX a $3 stocks which I already told him that is not reliable stocks. He lost 5% in one day and decided to protect his losses by selling in one day and bought WMT as part of his defensive stocks. On the seventh month of our tournament, We are choosing stocks based on fundamental analysis, technical analysis heavily weighed on defensive sector like BA (Boeing) , Citigroup, and THC in the healthcare sector for the reason that I Explained to them the economy is still slowing down and there is know visibility seen yet. My two kids did finished reading two stock market books at the age of 8 and 10.

By webspawner.com

http://www.webspawner.com/