On-line exchanging has grown greatly from the prior decade. The investment dealer must utilize a agent to be able to type in the investment order placed.

More than likely you are well-aware that an investment in stocks has typically been a very good long-term investment throughout the years. Individual stocks are clearly very viable investment vehicles, but they certainly aren't right for everyone. The purpose of this article is to help individuals decide whether an investment in individual stocks is right for them.

5 questions to ask yourself before investing in individual stocks

1. What are my goals for my investment portfolio?

You need to decide what it is you are looking for from your portfolio. If you are looking to invest for the long-term and are looking for simply the best long-term rate of return from your investment individual stocks may be for you. On the other hand if you looking to preserve already earned income stocks are probably not a good choice for you.

2. Will I be able to do homework on the individual stocks?

Many investors overlook this question, but it is very important to consider. If you want to invest in individual stocks you have to be able to put the time into keeping up with those investments. If you have a portfolio of 5 individual stocks or less you should set aside an hour a week to check the latest information on those companies.

3. How soon will I need the money?

This one is closely associated with question number one. You need to determine whether this investment money is something that you expect to invest and leave it their for money years, or if it will be needed fairly soon. The longer your time frame is, the more likely it is that you should be investing in individual stocks.

4. Do I know enough about stocks?

Let's face it, this is a very important one. Though it may appeal to you greatly to have your own investment portfolio, you have to know what you are doing before diving in head first. If you don't know enough to invest on your own, but want to own stocks, mutual funds are probably a good choice for you. If you want to learn more about investing in stocks, I highly suggest you head over to Investopedia.

5. Do I have the stomach for it?

Stocks are not low risk investments, and if you are looking for a smooth ride then you should just forget investing in individual stocks. Volatility can reach extreme levels during periods of economic recession. Many amateur investors end up getting scared out of the market when the market drops quickly, only to see the market perform quite well after they have gotten out. Ask yourself if you understand the risks of investing in individual stocks.

Investing in individual stocks isn't right for everyone, but I don't want to discourage you from it either. Personally, I invest in many individual stocks and believe it is a great method of investing for a young person with many years until retirement like myself. Ask yourself these questions before you invest in stocks. Are they right for you?

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How to make your own home Wheelchair accessible. Very well first thing to ascertain would be the top that you'll have.

The Americans With Disabilities Act requires many public buildings and businesses to be accessible to people that use wheelchairs and wheelchair users also need accessible homes, of course. If your home or place of business has stairs to reach the entrance, you can build a wheelchair ramp to allow wheelchair users access. It's important to build a ramp correctly so that it's safe and easy to use.

Step One

Check local building codes to find out if you must have a permit before building your wheelchair ramp.

Step Two

Plan to build a ramp with a rise of no more than one inch per foot of ramp in accordance with the Americans With Disabilities Act standards. That means if your ramp must go up to a level of 10 feet, it must be ten feet long. Measure from the ground up to the level where your ramp must reach to determine how long the ramp must be.

Step Three

Build switchbacks into your wheelchair ramp if you do not have enough room to make a ramp long enough without switchbacks.

Step Four

Construct a ramp at least 36 inches wide to easily accommodate a wheelchair. You may find the ramp easier to use if you build it a bit wider than that.

Step Five

Build landings at the top and bottom of your wheelchair ramp and at any switchbacks. Make all landings at least five feet long and at least as wide as the ramp. You may find the ramp easier to use if you make any landings at switchbacks longer than five feet.

Step Six

Select pressure treated wood to construct your wheelchair ramp to increase durability and prevent rotting of the wood. Build your ramp from concrete or aluminum if you prefer. Select wood or other materials that match the exterior of your home or business for the best appearance.

Step Seven

Install sand grit strips on a wooden ramp to improve traction as wood becomes very slippery when wet.

Step Eight

Install handrails on both sides of your wheelchair ramp. Make the handrails 30 to 38 inches high.

Sources:

Mobility Advisor. http://www.mobility-advisor.com/build-a-wheelchair-ramp.html . Build a Wheelchair Ramp.

Adaptive Access. http://www.adaptiveaccess.com/wood_ramps.php . Wood Ramps.

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What exactly is the Stock Market? It's a great arranged method where any person and also every person can easily sometimes purchase or maybe market the shares or maybe shares

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

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

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

Stock Market and investing reports show decline

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

"Interest rates plummet as investors seek safety"

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

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

General investing outlook shows growth

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

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

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

Sources:

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

Stocks tumble on worries about European growth

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

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

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

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

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Stocks using low price/book rates or perhaps price/earnings rates. Until recently, importance shares have got relished better regular profits than expansion stocks and options (stocks and shares using higher price/book or even P/E rates) in several international locations

There are two types of analytical approaches when investing in the stock market. One is a fundamental approach. The fundamental approach is based on trying to understand company earning reports, deciphering the meaning of any economic reports and their impact on the stock market or the stock itself, and company news that can move the individual stock up or down. The other approach is called technical analysis. When you use technical analysis, you are dealing with charts that monitor patterns of the price and volume action of the stock. Both approaches are good; however one approach will give you a heads up of changes before any news comes out. And that is technical analysis. You can also use both methods when talking about the stock market in general.

The reason I'm writing this article is for those who typically put their money into the stock market without understanding why they are doing this. The other reason is to demonstrate a potential critical turn that could happen in the stock market by applying my favorite and only method, technical analysis. This critical situation is what traders call a "trend line break".

What is a trend line? A trend line is a tool that traders use when trying to see a trend in the stock market or a stock. To simplify it, it's a line drawn connecting all supports and resistances in a direction during a period. You can read more about trend lines by clicking on "Definition of Trend Lines". If the movement of the stock market or an individual stock penetrates the supports or resistances, it becomes either a buy or sell signal. A buy signal is when the movement penetrates the top line and a sell signal is when the movement penetrates the lower line. Now, many traders go into more details with trends. However, for the average investor who prefers to invest long term, a good suggestion is to monitor your market long term trend.

Below is an important chart that displays how we are still in the long term trend of the stock market however we are testing supports for a 33 year trend in the stock market. Click on "Chart" to observe this trend. This chart is from December 31, 1974 to November 30, 2007. To simplify this, if we break the lower line and do not recover, watch out for years to come. That would suggest the end to the bull market and a long term bear market would have begun. Are we there yet?

Well, as of writing this article, no. Stay tune for more information on the direction of the market.

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Exactly what is your Stock exchange? It's a organized system exactly where any person along with every person could often acquire or even sell their stocks or explains to you

Being underwater is the worst. Some bipeds may look to the ocean or the pool with longing and may be giddy once inside. But human beings are meant to walk and hunt and mate and live on land. So it goes for the term being underwater in your investing. If you find yourself in a position where you've bought into a stock and the stock has lost value and the shares you bought are now worth less than what you paid for them, you are underwater. You should know a few things especially for penny stock investing before you make any sudden moves with your positions.

How many shares are outstanding? If you are a penny stock investor in a company that's gotten a little share happy and just keeps issuing new shares, this could be the reason that you're underwater. Dilution is a major cause for penny stocks to go belly up. However your penny stock could also just be going through normal fluctuations of stocks. Before you double down or anything like that, make sure you know when the last share issuance was, for how many shares it was, and if the retreat in value is because of a flood of shares.

Has Your CEO Been Spending? If the rumor around the chat mill is that your CEO is spending big bucks on planes and hotels, this could be bad for your bottom line. Don't trust the heathens who live in the chat rooms. Call investor relations and get the straight skinny. They should be able to tell you where the CEO went and why. If they can't you may be underwater without a breath left. However if they are inking international deals, planning some big launch or something else, the profit wheel could be turning sooner than you know.

Shift in Plans: Many times retracements are from a shift in plans. The market doesn't like uncertainty. But you're smarter than the market anyway. If this shift in plan looks to be a winner for your flagging penny stock investment, you may wish to adjust your position or even double down if you're feeling lucky. A shift in plans in your underwater penny stock positions could be just the move to get you the air you've been looking for.

Due to the volatility of penny stock investing you never know if your positions will ever regain value. You may end up all the way down at zero with no money in your individual positions. However for some savvy penny stock investors, being underwater in your penny stock positions is nothing more than an opportunity. Before you go throwing darts into the wind though you should know a few things about the stock you're invested in and the relative value to your shares or you could be the one who winds up holding the bag.

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How Crucial Is the Options trading Technique In Investment decision?

Stock trading involves some risk of loss, just as in any financial trading. But treating your trading as a business is an important way to minimize your risk. The same way that you wouldn't consider starting a business without a business plan, you should make sure you have a good trading system when you begin trading.

My great uncle was a stockbroker, many years ago now. His opinion was that there were some brokers who just had a knack of knowing what to buy and when to sell it. They had hunches, they followed them, and some had very good reputations as brokers. But following your gut feelings isn't exactly what we mean here. Speculation is not a trading system, it is only following your gut. Over time, it will be much more effective to use a trading system than it will be to follow a hunch.

Here's an explanation of a trading system, for those of you who may not be familiar with the term. This is basically a systematic method to use when you do your stock trading. Another way to put it is, the trading system you use will dictate your approach to stock trading. It is a methodology that you should write down on paper, in detail, and commit to. When making a trade, your system should consider all aspects such as money management, along with entry and exit conditions.

The stock trading system you use should leave no wiggle room for human judgment or speculation. This illustrates one of the most important reasons why you should have a trading system in place. Your trading system should not be based on emotions--neither yours or someone else's. For every possible scenario, your trading system should be able to provide you with all the exact details and guide you through the next steps. This will be your guide for what to do, and when to do it, based on the guidelines you have set up.

Some experienced traders believe that without a trading system, you are doomed to fail at stock trading. Using a trading system that you have honed to perfection through testing and experience will take you far. The money management aspect should take front seat when your trading system goes live. Many traders have failed simply due to allowing themselves to over-trade.

A highlight of a trading system is using it to take losses without fear, greed or other emotions making the decision for you. Probably the most critical reason why you should use a trading system is because it will train you to make your decisions based on the facts in any given situation, and to not be swayed by your emotions. It is a good thing to keep in mind that no trading system will yield winning trades every single time. But the right stock trading system will definitely prove its worth over time.

Carefully take your time when choosing the stock trading system that you think will work best for you. And when you find one that feels right to you, follow it implicitly, because you're much more likely to reap profits if you do. If the stock trading system you choose is built on sound financial principals and good judgment, staying with its guidelines faithfully will reap rewards for you.

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Steps to create a wheelchair ramp for one's home

Limited mobility can make it just as difficult to move over long distances as it does short distances. Many parts of the U.S. do not have convenient public transportation. A wheelchair van is designed to meet your long-distance mobility needs, even if you cannot operate pedals.

A simple lift can be installed to almost any vehicle to lift your electric wheelchair or scooter into the trunk of your car or the back of your van or SUV if you are able to walk with a cane and drive a car without modification.

A vehicle at least the size of a minivan is necessary if you want to modify the vehicle to allow you to enter in your wheelchair. Vans and even large trucks can be modified with a ramp or lift to help you get in. You can get a customized van with a lowered floor, making it possible to put a shorter ramp in the car at the same angle of ascent.

You can get into the car using a side lift, an under vehicle lift, or an internal lift. Internal lifts do not leave much room for storage in the back of the van. Side lifts save space and allow the side doors to be opened with or without deploying the lift. A lift apparatus placed under the vehicle saves storage space and keeps the driver's side view mirrors unobstructed.

You can drive a van in your own wheelchair or in the driver's seat. You can install removable front seats or modify the seat with a device which rotates it completely to the side making it easy for you to transfer yourself from your wheelchair to the driver's seat. If you drive in your wheelchair, you can secure the wheelchair to the floor using an electric locking mechanism or you can bolt specialized hooks on strong rubber cords to the floor.

You have several options in driving control modifications. If you are able to use only one pedal, you can install a system which allows you to accelerate with your foot and brake with one hand. Pedals can be circumvented entirely and the vehicle can be driven solely by hand. A handle which twists to brake and accelerate can be installed, allowing you to operate the van like a motorcycle, or push/pull levers can be used. Driving classes are available where you can learn to operate this equipment and practice before you drive. You can also install a steering knob, which is used by stunt drivers to turn quickly and which you can use to steer with one hand.

You can travel anywhere completely independently with a wheelchair van. If you travel by plane, you can also find rental services which offer modified vans.

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One problem for News International, however, is the wording of section 79 of the Regulation of Investigatory Powers Act, the hacking legislation under which eight senior News of the World journalists and executives have ...

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Ken Ham's boondoggle in Kentucky is still mired in sluggish fundraising, but he still believes they'll be open in 2014…only now with an incomplete park. They're now talking about building it up gradually over a decade, ...

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Knight Science Journalism Program at MIT

... among science journalists — but the new site will have more audio and video, more information on our Fellows, and a gradually-growing set of Knight Science Journalism Trackers to follow science and health news daily.

Knight Science Journalism Program at MIT