Wednesday, February 15, 2012

Learning to Invest- Choosing your first stocks

The original idea for this post started with a rant I wrote about women not investing enough. I am now continuing in my series of Learning to Invest.

Incase you missed the first 2 parts, here they are:

  1. Researching stocks the smart way
  2. Using a Mock Investment portfolio

Learning to invest involves a lot more than someone simply telling you which shares are most likely to end in good and bad investments. After you move past using a mock portfolio, you will quickly find that while it seems pretty straight forward in theory, actually learning how to predict the direction the market will predominantly move in is considerably more difficult than it sounds.

Before you continue any further, here is a brief list of some very important terms you should become familiar with:

  • Buy, Sell and Hold: These are exactly what they sound like ? you will start off buying shares or mutual funds, monitoring them over a period of time, and then deciding whether you would like to sell or hold onto them.? During the course of your investing career, you will slowly start to learn how to identify when it?s the appropriate time to execute each action. The only way you can learn how to do this is through trial and error; no one can accurately make these predictions for you.
  • Balance Sheet: This is an important part of your market research, and it?s where you will learn more about the company as a whole. For instance, in a company?s balance sheet, you will find how much debt they owe, their behavior of their inventory, and of course their cash flow, as well.
  • Earnings Growth: The earnings growth is also a pretty straightforward term ? it?s simply a measurement of net income. Oftentimes, investors will look at the earnings growth over a period of several years to predict the future numbers.
  • Mutual funds: In the simplest terms, a mutual fund is a collection of assets in which you, as the investor, have the ability to withdraw from at any time. As a beginner to investing, you will most likely do better putting your money into mutual funds than you will single stocks. While there is still fluctuation in a group of shares, they are less likely to experience the extreme up-and-downs that single stocks can.
  • Single stock: Again, this is exactly what it sounds like ? an individual stock that you are investing in ? which is often very difficult in terms of predicting its behavior. In general, it?s usually advisable to avoid single stocks when you?re first learning to invest with a real portfolio. However, it is a good idea to keep practicing with them in your mock portfolio so that you get the hang of predicting their behavior over the course of 52 weeks.
  • Price-to-Earnings Ratio (P/E): To determine the P/E of an entire company, or even a single share, you will need to first find out what it?s earned over a 12 month period after taxes. Once you have this number, you will then need to divide the market capitalization by the after-tax figure that you determined. This is an equation that you will need to learn how to use in order to determine the overall expense of a stock or investment. As a general rule of thumb, try to avoid stocks that have a high P/E when you?re first entering the stock market; the higher the ratio is, the more likely you are to lose money on it. Of course, this isn?t always true, and some people experience an enviable rate of success with so-called ?risky? investments. However, until you are comfortable predicting market behavior, this is a poor choice for your first investment.

Important Tips about Choosing Your First Stocks

  1. Don?t base your decisions on the price. Similar to many other aspects of life, a cheap price doesn?t always translate into a sound decision. On the other hand, an expensive price tag isn?t the best way to determine value, either. The only way you can determine whether or not you should invest your money into a share is by crunching the numbers yourself, and taking the time to dig deeper in the history of the company.
  2. Take the time to do your own market research. Although you shouldn?t be afraid to ask for advice, don?t forget that relying solely on other people?s recommendations will only lead to failure. No one can accurately predict the stock market; you can only try to make sound judgments based on past behavior.
  3. Remember to check the highs and lows. Speaking of making decisions based on past trends, make sure you always take the time to analyze the full picture. For individual stocks, you should at least go back one full year because they fluctuate a lot.

On a final note, when you?re learning to invest, it?s important to fully assess your risk. You should never go into an investment assuming that you?re going to walk out with fuller pockets ? even though you will be purposely weeding out the bad investments for the ones that have a higher potential for being profitable. Instead, choose the amount of investment capitol that you start with by examining how much money you are prepared to lose.

Thirty Six Months

Source: http://thirtysixmonths.com/choosing-your-first-stocks/?utm_source=rss&utm_medium=rss&utm_campaign=choosing-your-first-stocks

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Wall Street falls after retail sales data disappoints (Reuters)

NEW YORK (Reuters) ? The S&P 500 index retreated on Tuesday from near a seven-month high after weaker-than-expected January U.S. retail sales data curbed investors' appetite for risky assets.

Leading the fall was the financial sector, with two of the top three biggest decliners on the Dow Bank of America and JPMorgan Chase & Co (JPM.N).

Citigroup downgraded Bank of America Corp (BAC.N) to "neutral" from "buy," saying earnings headwinds would continue at the company even as capital concerns subside. Bank of America shares were down 1.1 percent at $8.16 and JPMorgan shares fell 1.5 percent to $37.70.

The 0.4 percent rise in retail sales fell short of the 0.7 percent increase expected by economists polled by Reuters and reflected cutbacks in car purchases and online shopping.

"The data shows that consumers are still hanging in there, just not as strong as we expected," said Scott Brown, chief economist at Raymond James at St. Petersburg in Florida.

"It shows that we are still battling some headwinds here, but the economy is definitely in a recovery mode."

The disappointing data added to concerns stemming from Moody's Investors Service downgrade on Monday of credit ratings on six euro-zone countries.

The Dow Jones industrial average (.DJI) was down 42.54 points, or 0.33 percent, at 12,831.50. The Standard & Poor's 500 Index (.SPX) fell 6.30 points, or 0.47 percent, at 1,345.47. The Nasdaq Composite Index (.IXIC) was down 12.93 points, or 0.44 percent, at 2,918.46.

On Monday, the S&P 500 rose near a seven-month high, up more than 25 percent from a low in early October. The benchmark index has encountered strong resistance in the 1,355-1,360 area.

In other data, U.S. business inventories rose 0.4 percent in December, slightly lower than an estimated increase of 0.5 percent in December.

A third report showed import prices rose a touch more than expected in January as petroleum and food rebounded strongly, but underlying inflation pressure from imports remained muted.

Late Monday, Moody's put Britain's Aaa rating in jeopardy for the first time and warned it may cut France and Austria as well. Moody's also downgraded six euro-zone nations, including Spain and Italy.

But data from Germany on Tuesday suggested that Europe's bulwark economy is picking up pace again. The ZEW economic think tank's monthly poll of economic sentiment jumped to 5.4 from minus 21.6 in January, well above the consensus forecast in a Reuters poll of analysts for a rise to minus 12.0.

Apple Inc (AAPL.O) plans to announce a fourth-generation (4G) version of its iPad in the first week of March, a Wall Street Journal report said, citing a person briefed on the matter. Apple shares rose slightly to $503.41 after hitting above the $500 mark for the first time on Monday.

(Editing by Kenneth Barry)

Source: http://us.rd.yahoo.com/dailynews/rss/eurobiz/*http%3A//news.yahoo.com/s/nm/20120214/bs_nm/us_markets_stocks

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Tuesday, February 14, 2012

Microsoft India store down after hacker attack

Microsoft India's retail website was down on Monday after being hacked, with a purportedly Chinese group called Evil Shadow Team posting screenshots the hackers said were customers' obscured usernames and passwords found unencrypted on the site.

"Microsoft is investigating a limited compromise of the company's online store in India," a Microsoft spokeswoman said in an emailed statement.

(Msnbc.com is a joint venture of Microsoft and NBC Universal.)

"The store customers have already been sent guidance on the issue and suggested immediate actions. We are diligently working to remedy the issue and keep our customers protected," she said.

The Microsoft Store India (www.microsoftstore.co.in) website showed an error message promising to restore access as quickly as possible.

The hackers obscured the full usernames and passwords in the screen shots posted on a blog run by Evil Shadow Team member 7z1. Writing in Mandarin, 7z1 describes himself as a "patriotic hacker."

The hacker, 7z1, told Reuters the data had been found unencrypted on the website.

The Indian edition of Microsoft Store is operated by Indian company Quasar Media. A spokesman said the company was investigating.

"I am not sure when the site will be up again or what happened," spokesman Rahul Roy said.

Copyright 2012 Thomson Reuters. Click for restrictions.

Source: http://www.msnbc.msn.com/id/46365848/ns/technology_and_science-security/

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Monday, February 13, 2012

Things To Keep In Mind For Fitness

Article Directory :: Health & Fitness Articles

Fitness means having a well-conditioned and healthy body. When you are in good shape, it helps you mentally, as well as physically. Read this article to learn how to boost your fitness if you're having a hard time getting back in shape.

The sooner you give up smoking, the sooner you can begin to recover your health and lower your risks of smoking related diseases. It's not too late to quit smoking at any stage in your life. You not only reduce your risk for heart attacks, you also increase your lifespan. Take care of your body and drop the smoking habit.

To give your body fuel for workouts and to raise your fitness level you should have a balanced intake of protein, carbohydrates, and healthy fats. Approximately half your diet should be made up of proteins with a third of carbs and the remainder in fat. Since protein is essential to building muscle tissue and increasing energy, make sure you eat some protein at every meal.

You should schedule at least a small portion of time every day to incorporate some fitness activity. If you stay busy all day with things that do not help you increase your fitness level, you are missing some good chances to maintain or even enhance your fitness level. You can use downtime for fitness time.

Do you want to know the secret of making chin-ups a little easier? Changing the focus while performing them can help. Instead of imagining yourself pulling your body up, think of it as pulling the elbows down. It's still going to take plenty of practice and exercise to be able to do them comfortably, but changing your mental approach will certainly help as well.

Spending time outdoors with your kids is a great and fun workout. You can engage your children in cardiovascular games like tag, baseball, or even riding a bike. Any type of physical activity - even for fun - will be beneficial for your whole family.

Maximize your fitness efforts by making sure that you also have a balanced diet. Eating healthy, nutritious foods will both help you to lose weight and then maintain that weight loss down the road. You still need to eat healthy if you like your appearance or weight.

Yogurt is a great thing to add to your diet. There are many benefits to eating yogurt and it aids in digestion. Yogurt is great for both calcium and protein. It has been shown that those who eat more dairy in their diet are generally healthier.

Box squats are a great way to develop your quads. If you want to get more power by doing squats try the box squat variety. The only required material is a box. Set your box up directly behind where you're squatting. You are going to pause briefly as you are coming back down from the squat.

The best way to tackle a hill while mountain biking is to lean your body forward. This distributes the weight more evenly and keeps your front wheel down on the ground. Try not to lean back on your bike because this will raise your front wheel and make it more difficult.

Should you discover that your are working out less, or creating excuses to elude exercise, you must develop a schedule. Evaluate your schedule and set a concrete number of days every week that you will make yourself work out. When you skip a workout session, be sure to plan a similar workout at your earliest convenience so that you keep up with your fitness goals.

As you have just read, you can truly gain a high fitness level to be proud of. You no longer need to feel embarrassed about being out of shape. If you carefully follow these guidelines, you will soon find yourself on the path to physical fitness.

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Source: http://articles.submityourarticle.com/Craig-Wilson-20940/fitness-world-248620.php

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Department of Economics News Blog ? Blog Archive

Sophie Petrie

Congratulations to University of Sheffield Economics student Sophie Petrie who won an award at the Rate My Placement Awards in London last week.

Sophie who is in her final year of her degree in Economics and is co-president of the EconSoc (the Economics Society) was awarded Best Intern for her work at HSBC.

Sophie was presented the award by Olympian and former World Record Holder Steve Backley (pictured with Daniel).

Sponsored by PwC and supported by AGCAS and AGR,?the Awards were attended by over 300 representatives from both the corporate and higher education world, showcasing the outstanding achievements of all stakeholders involved in undergraduate placements & internships.

To view more photos of the event and to find out more on the Awards, visit the website at www.rmpawards.co.uk.


Source: http://ecn.dept.shef.ac.uk/news/2012/02/406/

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North America: Political prisoners in 'the homeland'-Nightslantern ...

J. B. Gerald

Nightslantern: February 7, 2012

http://www.globalresearch.ca/index.php?context=va&aid=29121

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The legal systems of Canada and the U.S. make no separate recognition of ?political prisoners.? This encourages police malfeasance and a bending of the legal system to cope with political protest in the same manner as crimes of self-interest. Confused by the difference, society prefers to sort its members into ?good? and ?bad?. As totalitarian controls by government increase, more people will probably assert their humanity and the numbers of political prisoners will grow, but in the process criminalize entire groups of people who have strong convictions, integrity, loyalty to community, and care deeply about what happens to their country, society, humanity.
In Canada the concept of what is a political prisoner, varies by community. Native people have been political prisoners for generations, as have the poor, confined by prison or circumstance. Due to the Canadian government?s Middle East policies which involve strong interface with Israel, media focus on political prisoners for the past ten years concerns Muslims as suspects in the ?war on terrorism.? The high profile political prisoners were arrested on Canadian Security Certificates which according to Canada?s Supreme Court , ignored the victims? human rights and needed adjustment. The Conservative government?s compliance was minimal and inadequate. Held on a Security Certificate for 12 years in detention and house arrest, without charge or knowing his accusers, Mohammad Mahjoub was released from several limitations of his freedom, February 3rd, by Federal Court in Toronto which found the intrusive surveillance unreasonable. Mahjoub had previously chosen to return to prison rather than inflict the government?s surveillance on his family.

With current trials of G20 protestors and an ?Occupy? movement which may last, Canada begins to field the edge of its conscience. June 2010 in Toronto, thousands of Canadians protested the G20 conference of global leaders and were met with illegal police tactics, massive pre-planned detention, threats, and abuse of the peoples? human rights. With occasional possibly ?staged? exceptions, the protests were non-violent. According to The Dominion, of the more than eleven hundred arrested, 66 remain in legal battles while some still face charges. Seven are serving sentences for their participation: Ryan Rainville, Mandy Hiscocks, Alex Hundert, Leah Henderson, Peter Hopperton, Erik Lankin (released Jan. 26th), Adam Lewis, and Greg Noltie-Rowley.

Mandy Hiscocks, convicted of ?Counseling to Commit Mischief and Counseling to Obstruct Police,? faced the judge before her sentencing and objected to his comparison of G20 protest tactics to the illegal and racist tactics of the Ku Klux Klan. She noted there?s no comparison between G20 protest tactics and the K.K.K.?s, and that it was tactics the judge objected to rather than the Klan?s insistence on White Supremacy. She is a credit to Canadians and was sentenced to from 20 months to 2 years.

A historical note about the Klan: a White Supremacist group in the U.S. South the Ku Klux Klan was one result of the U.S. Civil War and Northern Occupation. While the K.K.K. claimed to protect Southern values its insistence on White Supremacy betrayed the people?s tradition. In the old South insurrections of black slaves and poor whites joined forces and were an ongoing primary resistance to enslavement. This brought extreme control mechanisms to keep the groups apart. White Supremacy always serves the machinery of controls. The K.K.K. relied on lynching effected by mobs within a hierarchy of authority. By the 1960?s the murders became more clandestine with overt burning of crosses and gatherings as symbolic shows of assent. During the 1960?s the U.S. K.K.K. increasingly included FBI, Tobacco and Firearms, local law enforcement and other covert informants. These were implicated in the murders of civil rights workers and Blacks. The Klan?s effect on white communities through its code of silence, the fact that it denied its victims the chance to answer any accusations against them (familiar in current U.S. law on detentions and Canadian Security Certificates), and exclusion of non-white enterprises, provides an unspoken more polished interface with contemporary neo-conservatives in the U.S. and Canada. In Canada the subliminal strain of White Supremacy is rarely addressed directly, in a culture increasingly formed by intellectual management.

On the U.S. rolls of political prisoners the culture?s areas of intolerance remain constant. In this century so far Muslim suspects in a ?war on terrorism? have been primary targets within a framework that has brutally suppressed Blacks and all dissidents, an ongoing oppression with repeating patterns of targeting, entrapment, or selective application of the law in crimes unrelated to the moral crime the dissident is addressing. Revolutionaries whose crimes are a result of being trapped into direct confrontations with police could be considered prisoners of war and granted nominal rights at least under Geneva Conventions.

Increasingly at risk are community leaders, ?Occupy? activists, veterans, and any who subscribe to an internationally recognized code of human rights. Application of international laws, including the Geneva Conventions, is discouraged in the U.S., if permitted at all. Because application threatens the fabric of U.S. law, government targets are ?processed? with whatever grey area of crime can discredit them most effectively.

On Feb. 3rd U.S. Federal Court in Syracuse forfeited a chance to correct its injustice, and Dr. Rafil Dhafir was re-sentenced to his original term of 22 years in prison, with close to a million dollars restitution required. Dr. Dhafir had supplied Iraqi children with medicines and food in an attempt to save those he could. His actions affirmed Islamic religious law and Judeo-Christianity . His efforts were effectively stopped by prosecution and imprisonment. He was charged and convicted on 59 counts for breaking ?Sanctions,? fraud, tax evasion, etc.. The thorough vetting of the case by all U.S. agencies involved, left out of the equation a genocide of the Iraqi people.

Community leaders are taken out of community by charges intended to disgrace them, rather than by confronting the necessity of their moral stands. It?s such a customary practice that in Boston, the incarceration of Charles Turner passed unnoticed by national media. A Harvard graduate in the days when Harvard accepted token people of colour, Turner was unpretentious, easy going but very careful. Years later, as a community leader in Boston representing Blacks and the poor he was elected to the Boston City Council. An effective outspoken Councillor he was provably targeted for disgrace by an FBI operation, then charged with extortion for accepting a campaign contribution from an informant applying for a liquor license, and then not telling FBI agents ?the truth.? Without guile and loyal to his constituency, Turner tried to explain the framing in court. He?s serving a three year sentence in West Virginia and Boston is left with the message: if they can do that to Charles Turner they can to anyone.

Mumia Abu-Jamal as a journalist was known as a ?voice of the voiceless? covering the dispossessed of Philadelphia. He was taken out of paid work by a murder charge. After a corrupt trial and years on death row international pressure, community outrage, the U.S. court system and Philadelphia?s D.A., managed to grant him a reprieve. No longer subject to the death penalty and freed from death row Abu-Jamal was transferred to Mahanoy State Correctional Institution?s ?Restrictive housing unit,? ie. solitary confinement, with no access to the media. Finally on January 27th Prison Radio [access:< http://prisonradio.wordpress.com/ >] could report his release into the general prison population.

Long-time political prisoner Dave Gilbert?s Love and Struggle: My Life in the SDS, The Weather Underground, and Beyond was published by PM Press, 2011 and is currently being launched at ?alternative? venues throughout North America. Gilbert grew out of Boston and New York student anti-war resistance in the Sixties, worked the Weather Underground during the Seventies, was arrested in 1981 with a unit of the Black Liberation Army. He?s serving a 75 year minimum sentence for involvement in the deaths of 2 police and a guard during a Brinks robbery to raise operating costs. His other published works include: AIDS Conspiracy?

Tracking Down the Real Genocide. Gilbert was one of a few North-eastern U.S. whites who could work with a Black American resistance that lacked the option of non-violence.
Marilyn Buck died August 3, 2010 in Brooklyn New York, shortly after her release on July 15, 2010, from federal prison. She was serving eighty years of sentences (accused of supplying arms to the Black Liberation Army, of complicity in Assata Shakur?s escape from prison, of bombings in the U.S. and internationally). With most of her co-defendants released (Susan Rosenberg received pardon from President Clinton), Bush?s Justice Department granted her an early release on presumptive parole. On Jan. 21, 2010 she wrote ??been battling since Oct. to be treated medically. Found out I have a sarcoma, just got out of hospit. post-surgery?? It was the last letter I received. She was transferred to a hospital prison, and dead less than seven months later. She was an American poet.

Lynne Stewart, the U.S. court appointed attorney for Islamic Sheikh Omar Abdel-Rahman, is over 71 and fighting cancer as well as diabetes in a U.S. prison. Her appeal challenging the length of her sentence goes to court February 29th in Manhattan: the government extended her prison time from 28 months to 10 years after she bravely joked about the initial sentence on the courthouse steps. Her conviction: communicating on behalf of her blind and imprisoned client. She never should have been sentenced to jail. Known through her life?s work as an uncompromising lawyer for the disadvantaged of varying political beliefs, her case represents a clear public attempt to intimidate attorneys representing fundamental human rights.

There are other political prisoners who were/are thinking of the people, and without self-interest. There are a lot of them. There will be more, of all ages. The paradox is that many are in no way ?criminal? but simply the articulate and deeply caring people of their communities.

Partial sources available online:

?My statement to the court ,? Mandy Hiscocks, Jan. 16, 2012, rabble.ca; ?Mandy?s Blog,? current [access:< http://boredbutnotbroken.tao.ca?>]; ?Mandy Hiscocks. given a 20-24 month sentence for Toronto 2010 G20 Conspiracy,? anon., Jan 19, 2012, Infoshop News; ?Girr Rowley sentenced to 9 Months for G20 Action,? Jan. 26, 2012 & ?Erik Lankin Released!? Feb. 3, 2012,
Guelph Anarchist Black Cross; ?G20 Fallout Continues,? Shailagh Keaney, Jan. 13, 2012, The Dominion; ?Dr. Dhafir was resentenced today to 22 years,? Feb. 3rd, 2012, DhafirTrial; ?Dhafir Ordered to Serve 264-Month Jail Term on Resentencing,? FBI, Feb. 6, 2012,
7thSpace Interactive; ?Court: Government fails to show that it is reasonable to keep Mahjoub under conditions,? Press release, Feb. 3, 2012, People?s Commission Network apprec. nowar-paix; ?Political Prisoners Update,? J.B.Gerald, Jan. 31, 2012, nightslantern.ca;
?Chuck Civil Hearing @ Monday @ 9am,? Admin., Feb. 3, 2012, Support Chuck Turner; ?Support Chuck Turner,? website, Feb. 3, 2012 [access:< http://supportchuckturner.com?>]; Website, current, Boston City Councilor Chuck Turner [access?:<?http://www.chuckturner.us/>]; ?The Torture of Mumia Abu-Jamal Continues off Death Row,? Hans Bennett, Jan. 23, 2012, The Bullet; ?David Gilbert, Political Prisoner,? current, Kersplebedeb; ?Lynne Stewart Appeal Brief Filed,? April 1, 2011, and ?Lynne Stewart Reply Brief Filed,? August 4, 2011, Justice for Lynne Stewart [access:< http://lynnestewart.org/ > ].

Posted on nightslantern.ca at http://nightslantern.ca/prisonupdate3.htm

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Global Research Articles by J. B. Gerald

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Source: http://facthai.wordpress.com/2012/02/11/north-america-political-prisoners-in-the-homeland-nightslantern/

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Sunday, February 12, 2012

Religious News & Events - February 11, 2012 - TelegraphNeighbors ...

[unable to retrieve full-text content]Religious News & Events - February 11, 2012. Published: Saturday, February 11, 2012. NASHUA. ARLINGTON STREET UNITED METHODIST CHURCH. Sunday worship begins at 10 a.m. with the Rev. Bruce Bradshaw, and children's ...

Source: http://www.telegraphneighbors.com/localnews/949810-147/religious-news--events---february-11.html

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