Buying two pieces for ladies should be the most romantic things blokes can do - and one of the most tense and dangerous gift to acquire. Check this sexy tankinis from Phax, Sunflair, Gok Wan, Gottex, Seafolly and Miracle Suit.

Remember it’s not for you, but hers. Put out of your mind leather, PVC, or any super sexy outfit, decide for something soft or lacey and are safer.

Do not attempt to deduce your woman’s dimension, preferred style. Sadly, girls don’t work in small, M, L, and extra large sizes in the same way as men. Do your investigation in the beginning. Hold your horses until she set off and then check her underwear drawer.

Attempt to discover things with the tag in it and make a note of the colours and designs she is keen on. Remember that flourishes like lace and fringes can be chic and sexy if you recognize what your other half likes. I understood that my wife likes bikini underwear. I thought bikini were simply for the beach.

Bikini sets instead can be virtually any sort of skin-tight skimpy, or transparent underwear that presents less coverage to the midsection than customary undergarment, pants or knickers. In actual fact Lingerie lingerie duplicates what you see on the seashore.

The bikini turned into a US$811 million business per annum and it’s maybe the on the whole admired girl swimsuit around the globe because of the mishmash of the power of women and fashion trends.

It is a Greco-Roman development. Two-piece costume put on by women for team game intent are rapresented on Greek pitchers and works of art dating back to 1400 BC.

An antique artwork described “Bikini Girls” going back to the Diocletian period (286-305 AD) in Sicily depicts a few girls in mosaics on the flooring.

Near Naples there are also quite a few representations of the Roman divinity Venus dressed in a beachwear.

The new bikini commence to emerge over again at the beginning of last century, when a femal swimmer, Annette Kellerman was arrested on a Boston seashore for having “sexy” beachwear which became expected bathing costume for women by a few years later.

The up-to-the-minute bathing suit was first designed by French engineer Louis Réard after world war two and was a shock when it appeared on French shores in 1947. He called it after Bikini Atoll in the Pacific, the site of a atomic blast experiment on 37073 in 1946. The idea was that the explosion of thrill produced by it would be like a nuclear explosion.

On the topic of acquiring Lingerie for gift consider that most structures will resourcefully gift wrap your acquisition for you if you demand for a tiny charge and it is well worth paying a bit extra for. And I counsel to store the receipt - you never know.

I awoke today with the view of attaining new employment after an uneventful couple of years working in the internationally renowned NHS. This globally recognised and revered institution is a mainstay of life in Britain. But alas, instead of plunging into the depths of the local press and seemingly endless archives of vacancies listed on the world wide web, I find myself glued, no, hang on, mentally and physically dependant on what appears on the TV screen in my very home.

This of course is another of Britain’s most loved institutions, daytime television. I find myself powerless to resist the need to find out whose baby it really is and which man (and I use this term loosely), the woman (I use this term looser still), will chose to stand by her to raise the imminent financial and emotional burden in the form of a little human being, more commonly known in these circles as a ‘baybee’. I use the terms man and woman loosely due to the fact that these people rarely are men and women, more often they are children themselves. They present themselves readily to the anticipating viewers to pour out their under-developed emotions on shows with titles such as ‘Who’s the father, my lover or my ex. DNA Results.’ Or my favourite from today’s offerings ‘My fiancé sold my engagement ring to buy lager’. No seriously, that was the title of today’s show.

I now realise that all my years at work have prevented me from making the most of televisions daytime gifts to the public in the form of these slick but predictable productions. They are predictable due to the presenters of these shows. There seems to be a few phrases that work in every situation and are consistently regurgitated in each of these shows, such as, “you need to be true to yourself”, “you need to respect each other” and not forgetting the inevitable “you need to get help/we have people that can help you”. These presenters parade themselves around our screens in their ‘holier than thou’ manner informing their guests what their problems are and how to solve them.

If this is the case then please inform me why the producers are showing clips of them on the same show in an earlier episode? I’ll tell you why, because we can’t get enough of it. Why make one show when you can make two, or three or four? The viewers take great pleasure from each new twist in the tale, every new chapter in the book of this sixteen year olds eventful life. This of course broadens the cast with each visit to the studio. Episode two, along comes the enthusiastically vocal sister (you know the one, with the massive hoop earrings and green earlobes). Episode three, we meet the inevitably obese mother, wearing her Thursday night Bingo outfit. By episode four you would expect to meet the father. This rarely occurs due to the fact that he got out as soon as he could he could while ‘kayleigh’ was still in mum’s ‘belly’. I am starting to strongly believe that the only reason these people keep coming back is so that everyone in the family can finally discover what it feels like to stay in the sophisticated surroundings of a hotel.

It appears that the only nights spent away from home for these people is at the expense of their local constabulary, or quite often at the pleasure of the person with whom they were engaged in sexual relations with that landed them on the show in the first place. This leads me nicely onto the subject of the men, or boys as they are more commonly referred to.

These men, not often out of their teenage years sit slumped in a chair, centre stage, swathed in gold, torn jeans and polo shirts with the buttons undone and the collars put up. The epitome of British youth, with their ‘undercut’ hairstyles (this is when the hair on top is long with the back and sides shaved) and patchy beards they proceed to sell themselves for the job of father. This is usually backed up with statements including the phrases “£200 a fortnight from the social” and “more when the ‘baybee’ arrives”. The point here is that these lads are never prepared for the duties of fatherhood and seem to think the only factor a child depends on is financial security which the government will provide because he can’t be bothered. Of course, once prompted, the subject of love will rear its head and the boy will wholeheartedly agree that he will love the child like it was his own. Which it may well be depending on the forthcoming DNA test results.

Once the boy has had his say it is time for the next boy to emerge to the audiences boo’s and heckling, and lunge in an uncommitted fashion for the first boy. This requires the need for the unnecessarily burly studio security to step forward in a timely manner to prevent the ensuing furore. I wish that for one time they would sit back and see if the brash, swaggering child would actually follow through with his hollow attack or hastily make out it was a rush to his chair on the realisation that the security were not going to jump in to stop either of them getting hurt. Once the initial apelike meeting is over it’s time to discuss who loves the sixteen year old more. This brings on a whole host of bleeping to disguise the lads fruitful, if not sophisticated vocabulary. When this short episode is complete it is finally time to meet the woman at the centre of this battle.

She is young and pregnant, a mirror image of her mother at the same age. She wears enough gold to sell and provide for her upcoming family for many weeks. Above all else she is an embarrassment. Not only to herself, but her family, everyone she has ever known and all the residents of the town she lives in. Actually, she is an embarrassment to me. To think that I come from the same great land that provides these people. I come from the same education system, she is my generation! She knowingly puts herself on national television to promote the fact that she has had unprotected sex with more than one person which has landed her with a child, and possibly a few STD’s judging by the boys records. This is not acceptable!

These people don’t need publicity, they need punishment. Not in the form of beating or jail, they need to be made to conform to a way of life that they always seem to resent. When an audience member asks if employment is a possibility to rebuild their shattered young lives they are usually met with grunts to the effect of “I aint gonna work ‘cos I’m ‘aving a baybee”. Instead these girls truly believe that a fulfilling existence requires a double buggy, a weekly trip to the post office and a boy, or two, with whom to sleep or argue, depending on how the mood takes them. These people could be successfully utilised through home working arrangements or work place training, with a crche of course. I’m not suggesting slavery, just a benefits system that relies on effort and results from the beneficiary rather than one based on a belief that this land owes these people a comfortable life for very little input.

But going back to the point of the success of these daytime chat shows, the reason they are so successful lies within the fact that we can nearly all see a bit of ourselves in these situations. We’ve all had arguments and times when we seriously want to hurt someone close to us. We just choose to settle these matters in the privacy of our own homes, but these days it seems that there is a television schedule that can put things right for us. Like it or not, have you always been true to yourself? Have you always heaped respect on everyone you have ever known? If not, you are a perfect candidate for daytime TV. You, like me should be on that phone booking your appearance. Maybe I’ll see you at the hotel.

I’m Russell Elmes, an author in the early stages of what I hope will become a career. This is my first attempt at writing seriously and hope that some of you reading this can point out my downfalls and my good points (russelmes@yahoo.co.uk). I live on the 14th floor of a council owned tower block in Stevenage, Hertfordshire, and hope that living in the situation I do can inspire me to journalise the life of an average citizen in England. I am now unemployed (short-term I hope) and would therefore appreciate any publishing offers (lol). Hope you enjoy my work, and please look out for more articles by me soon.

There maybe several reasons why you to want to invest your money. You may want to retire early, want to build your own business in the future, or to pay for your kid’s education. Should everyone start investing outside their retirement accounts right away? The answer to this question is that it depends on your financial situation. First, you must have a basic understanding in financial management. What would happen if you lose your job, accumulate large medical expenses, or losing money on your investments? Do you still have money to pay your bills? Do you have to sell your investments that you have worked so hard for, with a loss? No one knows what the future will bring. Therefore, you must have a safety net to fall back on in an unexpected event. This article contains 5 concepts that you should follow before you start investing outside of your retirement accounts.

1. Increase your savings rate:

Cutting down on your expenses is the easiest way to increase your savings rate. You can also increase your savings rate by working overtime or switching to a higher paid job, but these are usually harder to do. If you want to accomplish your financial goals, you must start saving your money. You can do this by evaluating where you spend most of your money, and adjust your lifestyle to increase your savings rate. You will be surprised how small changes can increase your savings rate tremendously. For example, you can make your own coffee in the morning, shop while the clothes are on sale, and cut down on eating out, can save you lots of money.

2. Emergency cash reserve:

Have an emergency cash reserve of at least 3 to 6 months of living expenses. This step maybe the hardest step to accomplish. But in the event that you lose your job, you will be thankful that you have this money. The best place to put your emergency cash reserve is in a money market fund. If you have relatives that are generous, you could use them as your emergency cash reserve. But make sure that you ask them first.

3. Paying off your consumer debts:

Pay off your consumer debts, such as car loans and credit card loans can help you financially. Let’s say that your credit card charges you a 10% annual interest rate. Paying down that loan is like investing your money in stocks with a 10% annual return without tax consequences and risk free. Another reason you may want to pay off your consumer debts is that the interests are not tax detectible.

4. Paying down your mortgage:

If you want to pay down your mortgage earlier than required, compare your mortgage interest rate to an investment that you intend to invest in to make your decision. However, all investments have risks and you could end up losing money if you chose to invest. I personally think that paying down the mortgage early is too boring. In addition, the interests that you pay are tax deductible. Another reason that you may not want to pay down your mortgage early may be that you want to contribute more to your retirement accounts.

5. Contribute to your retirement accounts:

Take advantage of the tax benefits of your retirement accounts. If you are in a 30% tax bracket, for every $1000 that you contribute to your retirement account, you instantly saved $300. In addition, any profits inside your retirement accounts (dividends, interest) grow without taxation until you withdraw your money after age 59. If your company matches a certain percent of your pay, you should contribute at least enough to receive the maximum company match. After all, it is free money. This is similar to making 100% return on your investment immediately. Can you do that with stocks? Not likely!

Once you have developed your safety net, you are ready to take on more challenges, but do it wisely. It took me 2 years to have my finance organized to begin investing outside of my retirement accounts. Use as much time as you need. And remember to diversify your portfolio.

http://www.onlinefreedomwork.com

The 2006 Year of the Dog, the 11th gold coin in The Perth Mint’s 12-coin Lunar Series, has been released and is now immediately available for delivery. Officially, however, the Year of the Dog does not begin until January 29, 2006, and it runs until February 17, 2007.

The Perth Mint Lunar Series gold coins come in eight sizes: 1-kilo, 10-oz, 2-oz, 1-oz, -oz, -oz, 1/10-oz, and 1/20-oz, with monetary denominations of $3000, $1000, $200, $100, $50, $25, $15, and $5 respectively. An image of Her Majesty Queen Elizabeth II graces the obverse; the reverse carries the image of a beagle. The 1-oz ounce ($100) is by far the most popular of the Lunar Series gold coins. The silver coins in the Lunar Series come in seven sizes: 1-kilo, -kilo, 10-oz, 5-oz, 2-oz, 1-oz, and 1/20-oz, with monetary denominations of $30, $15, $10, $8, $2, $1, and 50 cents respectively. As with the gold coins in the Series, the obverse of the silver coins bears a likeness of Her Majesty Queen Elizabeth II. However, the reverse of the silver coins carries the image of a German shepherd.

Perth Mint Lunar Series: Popular with coin collectors worldwide

The one-ounce gold coins in the Lunar Series have become immensely popular with coin collectors worldwide for several reasons. Although the theme is not unique–other mints having done lunar series during earlier lunar cycles–timing seems to be perfect for The Perth Mint Lunar Series because China will host the Summer Olympics in 2008, one year after the Series ends with the Year of the Pig. Interest in China–and anything related to China–seems to be growing. By 2008, we may be seeing “Chinamania,” which would make the Lunar Series coins still more popular.

Another reason for the strong collector interest: Production of the 1-oz coins is limited to 30,000–a number that has turned out to be ideal for a collectors’ series. The 2000 Year of the Dragon reached the production cap of 30,000 and sells at a big premium in the secondary market.

The 2002 Year of the Horse 1-oz gold coins also hit the production cap and is no longer available from The Perth Mint. Recently, premiums on 1-oz Gold Horses jumped, which suggests that wholesalers are out of coins or are about to be. If the wholesalers are out of 1-oz Gold Horses, they will be difficult to find in large quantities.

The 2001 Year of the Snake will probably be the next 1-oz gold coin in the Series to hit the production cap. Gold Snakes usually can be bought at premiums comparable to 1-oz Gold Eagles, the world’s best selling gold bullion coins. The other 1-oz Lunar Series gold coins that have not reached the production cap of 30,000 usually sell at slightly higher premiums than Gold Eagles.

Perhaps the primary reason for the popularity of the Lunar Series is the exquisite quality of the coins. The Perth Mint holds an uncompromising commitment to quality, and no other mint turns out more beautiful coins. Established in 1899, The Perth Mint operated as a branch of Britain’s Royal Mint until 1970 but now is owned by the government of Western Australia.

None of the silver coins in the Lunar Series have reached their production limits, probably because the silver coins are priced for the collector market. The gold coins in the Series, on the other hand, are priced at about the same prices as popular bullion coins, such as the American Gold Eagles and the Gold Maple Leafs. This means that by going with Lunar Series gold coins bullion investors can own collectible gold coins without paying huge collector premiums.

Your hands are an important asset. They make your life a thousand times easier, and really get you to get everything done. Type, write, cook, clean, workout,eat healthy food,drink distilled or spring water,take your Acceletrim weight loss supplement, and thousands of other things.

They do so much work for you and if at best, and we might forget is to put lotion on them daily. But really your and my hands don’t get enough care from us.

You can really tell a lot from a person when you shake their hand by feeling how dry they are, and seeing if nails are done, as well as burn or cut scars. Really put some effort into making your hands look better, they are a window of you to the people around you. Your hands can tell a lot about your life. So keep them quiet by doing simple stuff. Like getting a manicure once a month even if you are a guy, it really makes a difference. Keep them moist, put lotion on, not only after you shower but a couple of times thorough your day. Wear gloves, when you are doing work with chemicals, washing dishes and working with the oven, to keep it free from burn marks. Keep them in a good condition so when you are at an important stage of your life, your mouth does the talking not you.

CATCHING A FALLING KNIFE

One of the most common mistakes made by inexperienced investors is trying to “catch a falling knife”. This is a habit, common among new investors, of buying stocks that are in “freefall”, and it’s a bad idea for an investment strategy. Unfortunately, it’s common even among old and experienced investors. I have to admit that I’ve even made that mistake myself.

There are two primary approaches to investing: fundamental analysis, and technical analysis. At my firm, we generally fall into the fundamental camp, since we evaluate stocks based upon their valuations, rather than looking primarily at their short-term price movements. We take this direction because we believe this provides the greatest potential for long-term success.

Just looking at the fundamentals of an investment, however, can limit an investor’s profits and lead to some unpleasant positions. This is because there are real limitations to buying a stock as it falls. You may purchase a stock that looks great at $10, only to see it fall to $5. If the stock rises again to $20, you may have been “right” to buy at $10, but maybe you weren’t “right enough”. Buying at $5 would have yielded a 300% return, while you settled for only 100%. Furthermore, if you thought that $10 was a reasonable price, you might have saved time by buying it on the way back up instead of on the way down.

Let’s face it: buying a stock that is in mid-fall is not a pleasant experience, and it isn’t difficult to come up with a variety of other strategies that will bring better results.

Still, we shouldn’t avoid all stocks that have dropped. In fact, studies show that investors who buy stocks that have fallen hard, tend to outperform the market on a regular basis. In fact, this “bottom-fishing” strategy can provide one of the best performance levels of all, but missing out on these opportunities can be costly.

The decision then is not whether to buy “fallen angels”, but when. This is where a bit of technical analysis skill comes in handy. Unless you’re willing to buy any piece of junk that happens to have good price momentum, technical tools can’t really tell you which stocks to buy. But they can lead us to a better understanding of timing. Once you select a good investment based on fundamentals, it is time to decide when to put the money down. A good first step: watch for a positive movement on good volume before committing. As long as the stock is dropping, there is a good chance you may get it at a better price. Better to wait a few days (or weeks) to assure your purchase is timed right. There’s no advantage to buying before the time is right, even if the choice of stock is ideal. In this case, patience really is a virtue.

Remember: don’t try to catch a falling knife - pick it up after it hits the floor!

R. Scott Pearson is an investment advisor, writer, editor, instructor, and business leader. As President and Chief Investment Officer of Value View Financial Corp., he offers investment management services to a wide variety of clients. His own newsletter, Investor’s Value View, is distributed worldwide and provides general money tips and investment advice to readers both internationally, and in the U.S.

Prior to founding Value View, Scott edited the Pearson Investment Letter for eight years, and served as a Registered Investment Advisor for Pearson Capital Management. His newsletter articles and recommendations have been reprinted in other leading investment publications, including Investor’s Intelligence, Bull and Bear and the Dick Davis Digest. In addition, he has written columns and articles of general interest for various newspapers, covering a wide range of topics from investments and IRAs to mortgages and credit issues.

The stock market quote is the basic collection of numbers an investor must understand to achieve success in the stock market. It is a list of prices for certain stocks at one point within the trading day. In the past, stocks were quoted in fractions, but now, most exchanges use decimals. Stock market quotes are found in newspapers, as well as online. Stock quotes are updated regularly during the trading day.

What are the numbers and columns in the stock quotes mean? Though most are easily understandable, some may be confusing for a stock market newbie. Here is a review of the common numbers in the stock quotes and what they mean.

Newspaper Stock Market Quotes. The Wall Street Journal (WSJ) format is easiest to follow. Listed below are the columns and a brief explanation for each column.

- YTD % CHG - The Year-To-Date Percentage Change. This represents the stock price percentage change for the year. This percentage is adjusted for stock splits and dividends over 10%.

- 52-Week HI & LO - The two numbers in the column record both the highest and the lowest price the stock is traded for within the last 52-weeks. Previous trading day not included.

- Stock (SYM) - This is where the stock name and symbols are listed. Stock names are usually abbreviated. The stock symbol is printed in boldface. Some newspapers don’t print them at all.

- DIV - This stands for Dividend reflecting the annual distribution rate based on the last regular disbursement for a stock.

- Yield % - The yield percentages are the other disbursements paid to stockholders as a percentage of the stock’s price.

- PE - The Price to Earnings Ratio is the per-share earnings over the closing price.

- VOL 100s - This means sales volume expressed with two missing zeros.

- CLOSE - The last price the stock traded for a certain day. But it doesn’t mean that this will be the price the stock opens at the next trading day.

- NET CHANGE - This is the amount at which the stock closed today against yesterday.

- Footnotes - These notations point out any extraordinary circumstances within the listing such as new highs and lows, unusual dividends, first day of trading, etc.

Online Stock Market Quotes. Online stock resources cover the same information as the newspaper stock quotes. However, the difference is mainly with regards to getting the “live” information. Compared to reading yesterdays stock quotes on the paper the next morning, the information presented on online resources are updated constantly within the course of the trading day.

Indeed, stock market quotes offer a wealth of information when it comes to wise stock investment. as long as one understands what the numbers mean.

Additional resources and updates for this article can be found online at: http://www.useful-stock-market.info/35/stock-market-quotes- 101/

10/15/2005

BIRTP Performance

Market sold off sharply in the past week, so did Blast Investor Real-time Plus model portfolio. Nasdaq index is down -5.08% year to date. The S&P 500 index is down -2.09% year to date. The Blast Investor Real-time Plus (BIRTP) model portfolio continues to beat the index handsomely, with year-to-date gain of 48.34%. Since inception, BIRTP model portfolio is up 136.64%, significantly outperforming the S&P500’s 6.5% return.

Anxiety in Blog Private Club One of side effect of this sell off is anxiety and nerves I can observe in our Blog Private Club. Headlines such as “oh my god, what’s wrong” [ hidden link ] certainly would put BIRTP blog readers on edge. While BIRTP past newsletter publications mostly focused on stock picks, now it is time to sit back and review issues which are much more important than pure stock picks.

Pitfall that Hinders Success The process of successful stock investment is far more complicated than simply picking stock winners. It was quite common that an average individual investor would have picked couple of stocks that rose 50% or even 100% in relatively short time frame. This was particularly true in the bubble time of late1990’s. However, if we look around our friends or around our neighbors, we really can not find that much of successful stock market millionaires. Why is that?

By my observation, one of pitfalls that has hindered success of individual investors is margin money management.

Margin Management - Winners or Losers?

If you have not read my free article titled Leverage - Margin Debt, Please read it. Pay close attention to the 2 hypothetical cases in the article. In both cases, the investor picked same stock and held the stock for the same time frame. However, one result was success of 20% return, another case was wipe-out.

This is just too important issue so that I have to emphasize again and again. Don’t assume successful stock market investment is all about stock picking. Think about it, 2 stock investors who invested into same stock and held it during same time frame, one was a winner who become richer and richer every year, another was a loser who lost everything in stock market.

Making big money in stock market is not all about stock picks, it is also about sound money management. If one followed Warren Buffet’s USG pick from 2001 exactly at his entry price around $14, he/she might have lost her/his shirt when USG dropped below $10 later on if she/he put USG on 100% margin at $14 a share. Was there anything wrong with Buffet’s pick of USG in 2001? Certainly not, who can argue with 40% annualized return on USG investment that Buffet had enjoyed over past 4 years?

This over-margin urge is purely due to greed in investors’ psychology. Investors tend to want their money to work harder and harder to maximize the big return with higher and higher leverage. They are unaware of the hidden trap of money management issues or they are incapable of avoiding the traps. Even though BlastInvest BIRTP service can not advice on personalized investment issues, we want to help and this is the tip that I can offer to any of you directly if you have this problem.

Beating the Dreaded Greedy Urge with Fear

In long term investment based value investing philosophy, we typically do not want to sell a stock during a sharp sell off. We want to hold or even buy on sharp sell off and we want to sell during big rally. This is all nice in theory, but it is not very clear cut in real life stock investment. This philosophy only works well when a portfolio is reasonably diversified and with reasonably small margin leverage. If a portfolio is full of margin at 100% level of equity, this philosophy is no longer correct.

Let me make it clear. First of all, I am not afraid of any big sell off. In fact, I view recent big ugly sell off as pretty normal market correction. I do not believe that I can predict short term directions of market, nor do I have interest in predicting them. Therefore, BIRTP will just sit tight and buy and hold at this ugly period.

However, I believe the fear of the hypothetical wipe-out caused by over-leveraging is real fear. I want you to be fearful and I want you to be afraid so that you can use this fear to fight the greedy urge to use more and more margin!

If you are already in this over-leveraging situation, start to act as soon as possible, and be fearful. You do not have to sell all of the margin positions at one time, you can sell some immediately and sell another portion at later time at rebounce. But, do not do wishful thinking and pretend that this is not an issue. The hypothetical wipe-out situation can happen to any stock pick, including those same stock picks in BIRTP portfolio.

If you are already having the similar margin level as BIRTP does, do not rush into buying more cheap stocks at this sell off using more and more margin. Yes, you may be lucky to catch the rebounce this time by fully leveraging up your account. Next time, you may not be that lucky and the wipe-out risk is real and there.

BlastInvest Margin Management Philosophy BIRTP model portfolio operates like a hedge fund. BIRTP model portfolio money management is pretty aggressive, seeking the maximum value and super performance within the margin of safety of value investing method. We are not shy about using margin leverage to deliver the whopping investment return to our readers. Our model portfolio operation is not bound by bureaucracy of mutual fund world. Our current nearly 50% year to date performance is evidence of our success.

However in general, we do not believe BIRTP’s style of aggressive money management is for everyone. If you like the aggressiveness of BIRTP margin management, and you are passive investor following BIRTP, you are fine because the BIRTP model portfolio already have my past decades of stock experience in it. For those who are not comfortable with any margin, newsletter offers flexibility so that you can use BIRTP picks, but with no margin.

Final Thought on This Big Sell Off Are we close to the end of this sell off? I do not know. Is this question that important for BIRTP model portfolio? Not really. Regardless of the end or not end of sell off, I am confident that in the long run, BIRTP model portfolio would do fine in its performance.

Recently, my family and I took a trip to Maine to visit relatives. During our stay, we toured the rocky shore lines and took in the beautiful architecture of the old towns.

One sunny morning, three generations of Wardlaws boarded a lobster boat and set out on a guided lobster trapping excursion.

We quickly learned lobstermen lead a life of hard work and regulations.

Over the course of many years, Maine’s lobstermen and state officials have established certain criteria to protect lobsters and allow for greater development. With the rules, lobstermen look for “keepers.”

A “keeper” is a lobster that measures between 3.25 and 5 inches from its eye socket to the end of its back shell. In addition to the precise measurements, the lobster cannot carry eggs nor can it have a notch in its tail (indicating it is a breeding female). The notch is carved from prior lobstermen who observed the lobster’s breeding.

If the lobster does not fit the criteria set forth, it is discarded and placed back in the waters.

As an investor, you constantly look for “keepers.” At your disposal is a wealth of information to determine the quality of a position.

Depending on your predetermined goals (including risk tolerances and time horizons), you may use a number of measurement tools. If the position does not fit such benchmarks, you may consider moving on to a more appropriate position.

For example, among the many rules of measurement, an investor may look toward a mutual fund’s beta. Of course the fund’s management, its fees, asset allocations and historical performance should play a role as well.

For bonds, an investor may consider its maturity, the coupon, its yield to maturity (or call), price, and rating. An investor must also determine the type of bond. Do you prefer a municipal, treasury, or corporate bond?

And with regards to stocks, if you have been an investor for any number of years, you know the drill. Between fundamental and technical analysis, you have several traps to pull from the waters.

It is important to know the criteria that is appropriate for your portfolio. Remember, some positions may be keepers while others may be discarded.

Wardlaw has been involved in the fields of investments and insurance for over twelve years. The author’s belief is that familiar life elements best illustrate practical investment strategies; not typical investment jargon. For comments and questions, please contact the author at tools2invest@yahoo.com

Passing Drug Test

Drug screen has become a public phenomenon across the globe. Some companies perform drug tests on newly hired people or active employees to ensure a drug-free surrounding at workplace.

Insurance agencies and courts carry out drug screens on a regular ground on distrusted people. The main question that comes to your head, when you go for such screen is how to beat a drug screen?

Online web sites such as Drug Information Saliva Testing provides the up-to-the-minute detoxification products including eternal cleansers, imitation piss products, and saliva cleaning products, detox drinks and home drug screen kits.

How To Beat Random Drug Test

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