Worried about your stocks? Blame it on Wall Street.Investors today face a barrage of conflicting information and exaggerated return claims from what most people consider the "market" -; the S&P 500 or the Dow Jones Industrial Average. But these indexes only comprise about 12 percent of all U.S. stocks. The reality is that these stocks can't be predicted with any consistency, especially long-term.In the complicated world of financial...more
Sites that only serve gay, lesbian, bisexual and transgendered people may be a safer option for you if you're not out yet ; it's less certain that someone that doesn't know your orientation will find you there by accident. In addition, the number of potential matches might be higher when the site caters particularly to your interests and needs, Gay or bisexual, or perhaps just bi-curious? They're all there waiting for you, ready,...more
When are Social Security checks potentially loans and not benefits? Why, when you have "excess earnings" of course. In today's economy, many senior citizens still work during their "retirement" either because they want to or, all too often, because they must to make ends meet. Retirees who want to work as well as collect social security retirement benefits must plan their compensation carefully if they want to avoid losing some or all of their social security benefits. In order to collect social security "old age" benefits, you must be "retired." Congress has reasoned that if you earn more than a specified amount, you are not "retired" and, therefore, are subject to having some or all of your benefits eliminated. Congress does allow you some earnings before your benefits are jeopardized.The amount of allowable earnings depends on your age. If you are over 65, there is no limit on the amount you may earn and still collect your full benefit. If you are at least 62, but younger than 65, you may earn up to $12,480 in 2006 before your benefits are affected. The earnings limit is adjusted each year for inflation. If you earn in excess of the limit, you...more
Ending a relation particularly during a break up is a severe feat to execute. Nevertheless, there are a several tips and thoughts that helps you take it more simplified and faster. Surely forgetting about a break up becomes simpler as you progress in time but you can affect that time proceed faster by keeping a live attitude and...more
Experiencing a break up is never an easy triumph to achieve. Nevertheless, there are a a couple of points and thoughts that will get you do it more comfortable and faster. Sure enough to get over a break up becomes simpler with time but you can cause that time go faster by keeping a positive attitude and focusing on you. Getting over...more
One of the basic rules of investing is that the higher the risk, the more potential for gain. A high yield investment program (or HYIP) is one such program. By investing a small amount, a HYIP offers the possibility of high gain, with some risk.One of the biggest problems with HYIP's is that they can represent a lot of money placed at risk for a high potential gain. Although they can involve small amounts of money, most investors will invest as much as they figure that they can risk, in order to take advantage of the high potential return. Read: Although they don't require the huge start-up that other investments do, people do spend as much as they can afford. (Some put in more than they can afford, but this is never recommended.) Also, some HYIP's are just well disguised ponzi schemes, and are thus highly illegal. (Investigate any investment opportunity, with special care as to the background of the group or person presenting it. Normally, "too good to be true" would be good advice, but that doesn't always prove true when it comes to investing.) Some HYIP's are in fact defined as "ponzi games" in order to skirt legislation that prohibits ponzi schemes as well as...more
High-yield investment can turn out to be very rewarding for investors. Although there is a certain amount of risk involved in high-yield bonds investments, they can also be very profitable for investors if they are targeted towards...more
An investment club consists of a small group of individual investors who come together and contribute to a mutual fund to learn and build confidence in order for them to make educated investment decisions. Investment clubs have been...more
Is your eye contact aggressive, is it soft, is it inviting, do you love with your eyes? Eye contact is a very tricky art to master but vital to effective communication. How can you make it better?Eye contact provides social information...more
With roots that date back to the 1930s, value investing is a price-driven discipline that seeks companies whose shares are selling at a discount to their true, or intrinsic, value.While growth-oriented investors focus on firms whose...more
The arrival and development of satellite TV has had a major impact on home entertainment systems, inspiring a massive overhaul in the quality of home audio and visual technology. Probably the biggest single improvement is the arrival of...more
Time management can be a big issue for stay at home moms that have many things going on in their lives. For mothers that truly want the best for themselves and their families, time management can play a major role as to their success....more