Your Questions About How To Pick Stocks To Short

Laura asks…

How much stock should I put a Gemini with a Pisces?

Generally speaking, I think there is some truth to the Zodiac, as I’m a typical Gemini… creative, artsy, short attention span, ambitious. I love to do a million things at once, I’m not overly emotional (in private I’m more sensitive) and I like change. As an air sign, I notice most of my closest friends are also air – Libras (BFF, BMF, and Dad) and Aquariuses (brother) – altho I do have some fire sign influences (Mom-Leo and Sag friends) Most of my past relationship signs have been with Aries – usually unaccomplished men or Earth signs – that have turned disasterous.

But.. I have been mystified by some Pisces men in the past – usually philosopher types.. who I’m drawn to, but the relationships never went anywhere. What do you think? I recently met a really deep, intuitive and artistic friend who I like a lot and is a Pisces. At the same time, maybe he thinks I’m too flighty for him or he’s too complicated for me?

I don’t pick/date men by Zodiac signs, btw. Just curious.
Thanks!
Only folks familiar with the Zodiac, pls. respond. Thx.

John answers:

It really depends on if you want to make it work as for the astrology of it pisces men are really REALLY hard to live and deal with (i’ve had one for 12 years lol and i’m a scorpio so that is a hoot in itself) they can be jealous, childish and like you said deep, intuitive and artistic. As with all things you just wanna try to make it work, if you think its worth it then keep trying, it will be relatively hard but being that you two are next to each other on the zodiac you will have semi-overlapping traits that make you compatible. Love knows no bounds, nor does friendship (my BFF is an aquarius lol) try it, you might be in for another heartbreak but you won’t know unless you try, and the thing about not trying is you will always for the rest of your life wonder what could have been ;)

Maria asks…

Western society collapse: Disturbing yet a huge relief?

In my dream, I was an accountant. Everything was going great. I just got out of college and was making enough money to support myself.

It was early in the morning, and I got to work and met my co-workers. They were really nice people but I don’t know them in real life. There were 4 of us waiting in the main lobby, waiting for all the doors to unlock so we can get to work. It was a huge corporation building in the middle of New York (I don’t live in New York)

Suddenly, the power went out. But one of my co-workers pulled out his phone to watch the news. They announced that the stock market has crashed and that all businesses are closed for good and that there was no value in money (but they said it in a professional way). We continued to wait.

The co-worker wearing glasses went up to one of the doors in the main lobby to read a note. He told us that the company we worked for has closed for good. He then walked over to us and checked his watch and said “well, we’re free! There’s nothing else to do anymore, lets grab some drinks.” (Let me tell you that this moment of the dream was my favorite and that I was relieved to hear that society has finally fallen. And maybe humanity can learn from this mistake they have made. I was DONE with the desk job and couldn’t wait to leave. I will now know what it is like to truly live without the confinements of laws and customs.)

I parted with them and went my way. My main priority now is to go to the grocery store to stock up. The street was really quiet and foggy. Hardly anyone was outside. And this was New York City, Manhattan. There was a small Asian grocery store near my condo and I went in. I was surrounded by a mid-sized crowd of about 10-14 people at least. It was a very small shop. I grabbed 2 bubble tea drinks from behind the counter and 2 frozen ducks. I pulled out my wallet but there was no one to take my money. The cashier has already left….

No one in the store was “looting”. They all stood there with their items as I walked out with my bubble tea and frozen duck.

When I reached my condo building, my bubble tea and frozen duck vanished.

There was a grocery store sitting right outside my 20 story high apartment complex. It was near the parking lot. An accountant ran the business, she had short hair, blonde, probably in her 40s-50s.

I went to pick the things I needed. She carried mostly vegetables and fruits. When I was finished she said that they were not for sale. There were a few cars that pulled up behind me. They were not a threat but they were rowdy.

I ran into my apartment building. Took the stairs to the highest floor. I explained the situation to my mom when I got there. As I walked to the glass walls of my home to look down at the streets of New York, I saw people in the their cars eating in the parking lot. One guy I noticed was Black. And then I woke up.

Question: How did you feel about my dream?
Are you looking forward to all this? Or no?

I hope this didn’t bother anyone and if it does happen, let it be an opportunity of learning.
I was REALLY disturbed when I woke up. But now I feel much better. I am prepared for the worst.
I disagree with you, Mat, From what I am seeing, no one is returning.
And also, this is just another moment in time where a country is over-confident and then it meets its downfall. It happens to all empires. And so, this too shall pass.

John answers:

The dream may have been reflecting your own desire to escape the rat race, which is a noble desire to say the least. I don’t personnally believe your dream was a premonition that will affect the world at large, but I do believe society in it’s current form will fall and has to fall because something has got to give, very few people in our society are truly happy, how can anyone be happy with all the pressure it brings us…our spirits are being slowly crushed…we don’t even know our true selves anymore because of distractions like the seemingly omnipotent media, money seeking, the need for social acceptance in a judgemental and competive enviroment and love/sex needs, you name it.

I believe Western civilisation is on it’s way out, it’s just a matter of wether we collectively get through the collapse and create something better or end up in a nuclear wasteland eating rats, the latter is probably what scares you, I know it scares me.

Sweet dreams.

John asks…

how much does a custom crank cost?

look i’ve got this idea for my GTO it has a brand new LS1 in it and the original LS1 sitting in the garage the original owner was going to pull it apart and set it up for a twin turbo but money came short and sold everything to me.. i was thinking about building this LS1 back to stock trim with a few exceptions.. I’ve built a few LS motors but have some simple questions maybe a few of you could answer?

Instead of doing a undersquare 383 stroke which is a dead give that it’s not stock i was thinking of getting a custom crank like 3.8″ or 3.85″ stroke to keep it oversquare.. and going with a light weight I beam rods, maybe a port and polish job on the heads, maybe higher compression pistons like 11:1.. maybe a new set of gears like 4.00s just a few odds and ends that will keep car looking and sounding stock.. i’m already in the process of removing the SLP loud mouth II exhaust because it got me 2 tickets in the first week of owning the vehicle.. i’ll keep the slp intake.. anyone else got ideas to keeping the car looking and sounding stock but performing otherwise.. i’m thinking with tune and everything i could pick up atleast another 100 horsepower without anyone being the wiser

but to the main question how much does a custom crank cost.. i’ve heard it usually runs 300-700 on top of a regular crankshaft from the likes of lunati.. anyone have a better guess? also anyone have other ides as to adding power “secretly”?
also forgot to mention.. their isn’t an off the shelf crankshaft that i want for my project
it’s not a 350.. its a ls1 346ci.. it two has a 383 stroker that people do..
obviously no one can give me an answer.. just state other facts so please vote no answer.. and btw question is… HOW MUCH DOES A CUSTOM CRANK COST? but everyone wants to throw their 2 cents in otherwise

John answers:

One, unless someone looks at the internals via dis-assembly, no one will know what crank you have.

Two, to sound stock you will need a stock exhaust and intake. Any modification to either will increase sound level greatly. That is why aftermarket parts work. They are trading lower sound levels for higher power levels. Even with stock pieces there the combustion process and sound will change a bit if you are running high compression pistons and a different camshaft. Most will not hear these changes, but those who really know cars will recognize a big cam.

As far as your custom crank, the parts manufacturer is the best person to answer that, as there are undoubtedly a lot of things to consider when building a crank that no one else wants or needs.

Mandy asks…

9/11 reality check part 2?

1. THE COVER UP

Someone had foreknowledge of the attacks. In the weeks leading up to 9/11 someone made a series of investments that would have paid off in huge profits because of the attacks. This is well documented and undisputed. This person specifically invested in the two airliners used in the attacks, anticipating windfall profits from any drop in the stock prices of these companies. This is solid evidence that at least one person in the United States had detailed information that something bad was going to happen to the specific airlines that were to be used in the attack.

We have been told that the person who made these investments never claimed the profits. We are expected to believe that this explains why his or her identity is unavailable. This is absolutely untrue. This is not an instance in which someone was waiting to pick up a package at an airport locker. This is a case of a financial institution processing an investment transaction for an individual. This CAN NOT BE PERFORMED ANONYMOUSLY! The identity of this person who had foreknowledge of the attack is know and this person’s identity is being protected by our government and this is a fact! Period, end of story.

WHO MADE THE INVESTMENT? Identify this person and you have someone who very probably had detailed foreknowledge of the events. The fact that the profits were never collected is even more suspicious and incriminating. The fact that the identity of this person remains unknown is even more suspicious. The only possible conclusion is that this person is known to the government and that his or her identity is being protected.

There has been a clear and concerted cover up regarding the person who tried to profit from events he or she knew were coming. The people who could easily clear this up, but who chose to close any further investigation into the matter are not underlings. They are officials who answer directly to the President of the United States. Check.

2. BUILDING 7

On September 11th, Towers One and Two collapsed after suffering direct hits by airliners. Building 7 was neither hit by an airliner nor damaged severely by flying debris, but at 5:20 p.m. it collapsed in the exact same accordion style of the other two towers. The official explanation by FEMA investigators claimed that WTC 7 fell as a result of burning for 7 hours.

Several weeks after the events of 9/11, Larry Silverstein, the new owner of the WTC was interviewed on TV. At this time he openly acknowledged the decision to pull Building 7. This was a public statement in which the owner of the WTC agreed to the destruction of the building.

This decision was never explained and was never questioned by the Kean Commission. The conflicting report of the FEMA investigators was also never explained. Pulling a building requires weeks, if not months of preparation. Explosives have to be carefully and strategically placed and wired. How was it possible to pull a building without first preparing for its demolition?

Larry Silverstein invested $386 million in WTC 7. On 9/11, by his own admission, Larry Silverstein ordered the demolition of his building. In February of 2002, his company won a settlement of $861 million from Industrial Risk Insurers. Do the math. No one investigated. This is a confession to the demolition of Building 7. Let me repeat that, THIS IS A CONFESSION! Checkmate.

Until these questions are answered there is no need to establish more doubt. What we have here is solid undisputed evidence that we were never told the truth. We have solid evidence that the official investigation stopped short of delving into questions that could have supplied answers. We have solid proof that something is very, very wrong.

There is a mountain of unanswered questions concerning the events surrounding the 9/11 attacks. Anyone willing to listen or look at the inconsistencies would have to draw an obvious conclusion: the official explanation of the events of 9/11 is nothing more than a desperate attempt to distract the American people from investigating the truth. There can be no denying that there are a number of strange and puzzling occurrences that have never been, and seemingly cannot be explained.

Perhaps the abundance of startling and damning information is too incredible to be accepted easily by the millions of Americans who have bought into the corporate media’s version of the events. So many people in this country can not deal with, or accept any real challenge to the official explanation that allows for no foreknowledge or cover up by their government. Even if most Americans were to be presented with clearly corroborated facts or cold evidence, they would probably refuse to even consider the involvement of their elected leaders in a tragedy of such huge proportions.

The official story, however, collapses after an examination of the two questions just raised. Very simply put, case closed. We do not need to pull an OJ here and bury the obvious under more evidence than the jury can handle. Show the Bronco chase and the blood evidence, and rest the prosecution. Otherwise we risk badly confusing a jury of the uninformed.

It is vital that the evidence based community encourage the American public to question the events for themselves. Two questions of this magnitude are enough to raise reasonable doubt. Two such questions that have gone uninvestigated and unexplained are enough to arouse curiosity,

We’re in a very dangerous game, here, and all of us are players. Much of what happened on September 11th remains at best unclear, and at worst terribly suspicious. The reality that the President of the United States spent more than 18 months resisting an official investigation into the most devastating tragedy in our history is in itself an outrage. But the reality that there is no official body still seeking answers to vital questions is an even greater outrage.

And if that remains the case, we all will have been checkmated, en masse.

Editor’s NOTE: People might comment on this article by calling it a conspiracy theory. This is their usual way of dismissing the facts. I ask you, where exactly is there “theory” on this page? What elements of this article are in dispute? This is not a theory, this article poses questions that have not been answered and the people who call the results of the independent 9/11 research community “conspiracy theories” have yet to qualify their assertion. You can not simply call something a “theory” just because you have not looked closely enough to see the facts that have been presented. If you call this a theory you are in denial. Very simply put, you can not debate this issue. Many people will dismiss this, as they do all evidence that goes against what they want to believe, yet when asked what their criteria is for discerning between theory and fact, they will not have a logical answer. This is not theory and neither are the facts that have been brought to light by the many people involved in the legitimate independent 9/11 research community.

Watch Loose Change Second Edition On Line Free – Click Here! – This is a MUST watch video for anybody who wants to know more about the events of 9/11 than you have heard on your TV sets!
An URGENT Message from the Editor!
9/11 Truth Calling Oprah! – I submit to my fellow 9/11 truth seekers and truth bearers that our effort to alert the public will be victorious if Oprah Winfrey gets on board.
TvNewsLIES Challenges Believers of the Official Version of 9/11: – Where the Hell is YOUR proof?
They Are Not “Conspiracy Theories” – They Are, in Fact, “Discoveries”
9/11-PNAC, 9/11-PNAC – SHOULD BE THE #1 TOPIC OF DISCUSSION
A WAKE-UP CALL THE ALTERNATIVE AND LIBERAL MEDIA:
TO STOP IGNORING 9/11 AND THE PROJECT FOR A NEW AMERICAN CENTURY
WHY AMERICANS REFUSE TO BELIEVE THE 9/11 EVIDENCE!!! – The attacks of 9/11 were so unthinkable that most Americans would refuse to believe the complicity of their own government, even if presented with a mountain of evidence. – Very simply, it is possible to escape blame if you do something that nobody in the world believes you could do.
DAVID RAY GRIFFIN: ALMOST PERFECT ABOUT 9/11!
Before you call this a “Conspiracy Theory” read this! Learn the difference between theory and fact!
Close-Up of WTC-7 Collapse Footage Shows Unmistakable Demolition Charges
Professional Demolition of World Trade Center Building 7 – On-line videos and in depth analysis.
9/11 Video Selection
How Building Implosions Work
well you dont read so well do you?
bc…………why dont you wont answers dont all those deaths mean anything to you….the Goverment knows who bought those put orders.why cwont they release the names? why?
bc…………why dont you wont answers dont all those deaths mean anything to you….the Goverment knows who bought those put orders.why want they release the names? why?
ZORRO
this is the biggest part of our “yard”

John answers:

Again way too long, good day

Lizzie asks…

Can someone please read my story and see if it sounds okay? First time very trying to write a story(:?

First time ever trying to write something, maybe worth reading? But please constructive critisism, if you don’t like it at all and have nothing nice to say or anything decent, please don’t comment, but I would really REALLY appreciate constructive critisism, if you have time to give it out.(: thanks!

Stepping out of the slippery basin onto the fringy, pale pink rug, she almost lost her balance. With the sudden misstep she overcame a huge wave of tiredness. Weren’t showers supposed to keep you from being drowsy? Especially if it’s a cold one? Cazara Miter had been taking very cold showers for the past week. Three fourths of the time she would feel awake and ready for the day after them. Even excitement, even though she had no idea for what. But recently, things were just.. Blah. She no longer had the high buzz that you get from being in the heat of summer. Well maybe not heat. It had been raining very steadily for a week there and only JUST let up these past three days. Was tomorrow going to be a hot blistering day under the sun, or a hurricane of revulsion?
Caz shimmied out of the blue bath towel, and started pulling on some clothes. Nothing fancy. Caz never had anything fancy. Just a pair of shorts, underwear, a bra, and a cut off. Definitely far from the Hollister or Aeropostal clothes her friends always arrived in. She wasn’t like them. She could care less.
Just as Caz was pulling her wet hair out of her towel, and winding it together to lay gently on her left shoulder, her phone blasted out ‘Ridin Solo’. She made a mental note to murder Nicole when she went to go pick her up tomorrow. Changing Caz’s ringtones to songs that just thinking about, Caz could almost vomit, was Nicole’s specialty.
“Caz Caz Caz Caz CAZZZ,” blurted out the familiar squeaky voice, “I thought ahead and decided to be the smart one, and looked at the weather forecast for tomorrow.” Although Caz didn’t interrupt, she reminded herself that she already explained the weather forecast tomorrow to Nicole for almost fifty times before today. She swore that girl had short term memory loss. Just as Nicole was chatting about how hot and sunny it was supposed to be, Caz yanked herself out of her little reverie and concentrated on the conversation.
“So, I really think we need to bring some oil, Ya know? For like the major tan-age were going to be producing.”
“Uh, yeah, sure sure. That sounds good. Um, we are going to go swimming, right? That’s what the Palisades are known for?” Caz tentatively asked Nicole. The Palisades were about a half an hour drive, but definitely worth it. Fresh stock of sun, rocks to lay out on, water, and according to Nicole’s mind, boys. “Not just regular boys that you see at Wal-Mart picking up grapes for their grandmas, but HOT boys,” she explained once, long ago to Caz.
“Yeah I guess so, but we still need to spend the majority of the time tanning. I have this major tank top tan I need to get rid of, ya know? Oh! And finding guys too, they go hand in hand,” beamed Nicole with certainty.
“Okay, sounds cool. I’ll pick you up at 11:30. BE READY. Please?”
“Mhmm, okay I’ll try,” Nicole replied distractively already smacking on bubblegum, no doubt reading a gossip magazine. The only things she read.
Just as she snapped her phone shut ready to do some beauty time that she thought she well deserved, the most irritating voice interrupted her thoughts.
“You PROMISED you would make brownies if I cleaned out the bowl! I did! Please Zar Zar?!” yelled my impatient, pain in the butt, brother. Caz wasn’t planning on making those brownies, not today. Well actually, not anytime soon. But just as she was about to decline his oh-so-tempting offer, he pulled out the big guns. Well not exactly guns, but his dorky, one-missing-tooth smile, with that stupid pet name that he called her. Zar Zar. Ugh. She used to love it as a child, but now it just meant a guarantee of him getting what he wanted. He really was cute, but boy was he irritating.
“Okay, how about a deal, terdhead?” He grinned his special famous toothless grin. She continued, “I am going to do my hair, and get ready for tonight, and you can make them. They’re very easy to make, Diego. I think you can handle it.”
She gave him her ‘stern’ look. Though it didn’t look very stern.
“You never want to do anything with me anymore,” he complained with a frown.
“Diego! I make the brownies for you, you eat them, and in the process of eating them you tell me to leave you alone so you can watch your TV shows in peace. How does this involve sister-brother bonding time?” I shrieked with maybe a little bit too much hysteria.
It didn’t matter though. Just as she got to the last word of her sentence he was turning his back, sure enough bringing the crocodile tears on again. He. Was. So. Spoiled.
Whatever! She didn’t need this right now. Tonight was a night she hadn’t h

John answers:

It’s good and I like the character. Nice name too, I like Caz. The beginning could use a hook, something to draw the reader in. Maybe some sort of action could happen to the character and that would tell the reader more about her. Just something to think about.

The first few sentences are a tad wonky. You might want to start a little simpler with

Cazara Miter had been taking very cold showers for the past week. Three fourths of the time she would feel awake and ready for the day after them.

Or something a little easier. That gets me curious about her and I like to know a character’s name right away. Starting with ‘she’ just seems a little odd to me, but that might just be me. Anyway, try reading it out loud to see how things sound. Then you can get a feel for syntax and how things flow. I’m not sure what ‘hurricane of revulsion is,’ just elaborate.

The dialogue is good, but I’d say keep it in Caz’s perspective. If she’s on the phone with Nicole, she wouldn’t know if Nicole was beaming. ‘The things she read’ is a fragment, consider revising.

It changes to first person here:
‘yelled my impatient, pain in the butt, brother’ So I’d suggest revising that too and say her pain in the butt brother. Or her annoying brother, so it’s not too casual.

Another fragment:
‘Well actually, not anytime soon.’ Consider revising.

I’d suggest editing this out:
I shrieked with maybe a little bit too much hysteria.

It changes back to first person and seems like a bit of overkill. Bring it down a notch to make it more realistic. Also putting the period between words is a little too casual, I’d suggest revising that too.

All in all a good job, just keep working on it! Good luck!

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Your Questions About Investing Tips For Beginners

Mark asks…

caring for goose down bedding tips?

Hi,

I have recently been given some quality goose down which I used to make pillows and a bed comforter. I invested in Egyptian cotton sateen covers to make the bedding items and I would really appreciate any advice on how to look after the items so that they ‘live long and prosper’ :)

Do you need pillow protectors for the pillows? If so, how do you choose one (there are different materials used for the purpose)? Can you recommend a particular brand?

Any advice is much appreciated!

I know that these questions may sound silly, but I am just a beginner in the art of housekeeping:).

John answers:

Shake the items every day when you make the beds. Once in a while you can hang them outside on a nice sunny day to get a good airing. Pillow protectors are great, just make sure that you wash them regularly and that you allow the pillows to get a good airing regularly. The cheaper “quilted” protectors don’t wear well and soon go knobbly on the surface, so invest in some good quality ones, or use 2 pillow cases in the meantime.

Donald asks…

I would like to play the Ukulele?

Hi!
I really want to play the ukulele! :)
I was wondering if I should start out with a cheap one, maybe $15 or $20, or if I should invest in a nice one right away?
I saw one I liked online that is like $36 dollars, is that an average price? It’s blue with a turtle on it so I’m not sure if it would be considered a good one…
Please help!! What is the average price for a good ukulele? And should I start with a nice one from the beginning?

Also, any tips for picking out a beginners uke would be appreciated! Obsviously I have never played before… Thanks!

John answers:

Usually an ukulele for under $50 is more of an “art object” or tourist ploy” than an instrument that is meant to be played. The give-away usually is if you can’t see the natural wood grain because it has been painted over (to hide the flaws). In general the smaller ukuleles are cheaper but they are also the “plinkiest” sounding and may be uncomfortable to hold and play (fingers get too cramped trying to hold more than a one-finger chord. If you really want to learn to love to play the ukulele look at a concert sized like the Lanikai or kala ukulele. They will run closer to $100 but will be more of what you will keep and treasure as that “first ukulele”.

Laura asks…

Recommendations on a work-out DVD?

Okay, here’s the thing. I want to loose about 100 or so pounds and keep it off for a wedding that isn’t happening just yet but will be down the road. I’m investing in the diet pill Hydroxicut to help me during round 1 (getting the habit of working out, etc) and I am also looking into a Denise Austin DVD. I do live in a neighborhood and can walk, but choose not to, great distances are not in my friendly book.

I would love to know what DVD the yahoo user has used, and it doesn’t have to be Denise Austin – whatever you bought, used and worked for you. NOTE that I cannot do extreme moves as of yet, so I am looking for a beginners so to speak.

I have bad knees and CAN NOT – I repeat – CAN NOT do any type of squatting, sitting on my knees or anything that could result in either of my kneecaps dislocating.

I am at least 280-90 and would love to loose at least 100 pounds within 1 – 4 months tops; nothing that takes a long, long time to do. (I loose weight fairly easy, but don’t want to be working on a goal that should only take so long)

Plus any tips you could spare.

If I need to add more detail to this question, I will.

John answers:

I’ve been using ResponseDesign’s Yourself!Fitness. It’s not a DVD, it’s a computer Software/game that gives you the feel of a fitness DVD, but adjusts itself to your progress.
You can also choose the workout duration, long-term goal, and such.
I haven’t tried other workout software (There have been quite a few since it got out), but it is kinda fun.

James asks…

Learning the market….?

I have been learning about trading in stocks and funds for about 2 years now. I am young and need to get started now. When I make enough after college I will invest $2000 a year.

My question here is this. I am about to open an account with Scottrade with $500 initial. What are some stocks I should look into. I definatley want to go with the Vanguard funds as well.

Any tips or advice for a beginner?
Yeah I know high and low

John answers:

Go with your gut and stick to the long term. Stocks will rise and fall. As long as you understand buy low sell high.

Um, make sure the stock that’s low isn’t going to go lower and stay low. The company may be in a bit of instability and the outlook isn’t good. New companies who drop for a day or weekly average look good. Buy then and wait it out for a few months or years.

Good luck.

Ken asks…

Absolute Beginner’s Ballet, a few questions?

I’ve started doing absolute beginners ballet class for adults, and I’m 18 The class is the basic level below Beginners and Advanced.
I’ve been going for two weeks now; 3x a week for 1h30m each session. The other dancers in my class are quite varied in skill and equipment; some have the full ballet outfit and shoes, whereas others like me are still in socks and leggings.

After how many lessons should I invest in soft shoes? I already know of places like Bloch &c. but I want to know when I should go to them. My teacher is always overrun with questions at the end of the lessons and I have to rush off to another class so haven’t had a chance to stay behind.

Furthermore, how long before I begin to see results? I’m doing other cardio [swimming for 2hours a week] but am not particularly flexible or fit, and a little off balance. My posture needs improving, and I’m finding it hard to correct and discipline myself.

Any tips?

I’m not thinking about en pointe or even performing yet, I know that will be a while. But if I persist as I have outlined, roughly how long should it be until I can graduate to en pointe or ever perform? Let me stress I have no ambition to be a professional, I know at this stage that is difficult if not impossible.

Many thanks. :)

John answers:

Get soft shoes as soon as you can. Full sole leather ballet shoes are best for beginners because they work your feet to the fullest. Not having any shoes at all will not improve your strength or techneique. You will get used to having no shoes and this will make you become lazy. The sooner you get shoes the better. You should also invest in some ballet tights and maybe a leotard. A tank top and shorts are ok for now though. As long as you can move freely in them.

You will see results gradually. Of coarse the harder you work the more results you will see. You should maybe start taking yogo or pilates lessons or even just get a book or dvd. They will help you with the balance, strength and flexibility needed for ballet. Since you are only a beginner flexibility is not nessisary at the moment but it will help when you start to advance into harder exercises.

I dont know what exactly you are working towards. Do you just want to become fitter, slimmer more agile? Or do you really like to dance and do it for the pleasure? Either way you should print a picture out of something that inspires you. E.g you ideal shape, a famous ballet dancer ect. It will help you with motivation.

You do not need to be en pointe to preform. Maybe you can ask your teacher about preforming before class instead of after? Im sure she will be happy to answer your questions. It takes usually about 2-3 years minimum of ballet training before going en pointe. Some teachers like their dancers to take a year of pre pointe. (this is just for strengthening towards pointe. You get pre-pointe or demi-pointe shoes that look like pointe shoes but are softer and don’t allow the dancer fully up onto their toes. They get you used to the strange shape of pointe shoes before you get them)

good luck and i hope i helped! If you have any other questions you can email me on mytoastisfrozen@yahoo.com

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Your Questions About Kaizen

Joseph asks…

Where can I buy a Kaizen Tuning Company License Plate Frame?

Hi All,
I was wondering where I could find a license plate from from the company Kaizen, a car tuning company. Any information as to where I could purchase one would be greatly appreciated. Many thanks!!
Its a gift for a friend.

John answers:

Try any online auction site,.

Paul asks…

When is the next PR Comic Con or the next Kaizen Con?

Its that I missed both this year and I wanted to know when the next PR Comic Con or Kaizen Con is?

John answers:

The next PR Comic Con is Memorial Day Weekend (May 26-27) 2012.

I am not sure about the Kaizen Con. As far as I’ve seen, there hasn’t been one since 2008. But don’t take my word on the fact that there might not be another one.

Sharon asks…

How any UCAS points would i get as I have already got my 1st dan in black belt in kaizen ju-jitsu?

John answers:

FAQ from UCAS website:
“I’ve heard that you can get Tariff points for doing work experience or travelling. Is that correct?”

“No. UCAS Tariff points are allocated following successful completion of a level 3 qualification which has been allocated points. It is, however, possible to use activities gained from a wide variety of experiences to inform a course of study that does attract Tariff points.”

So unless your black belt = NVQ level 3, then you won’t.

Steven asks…

Kaizen, how many companies in US actually use this method?

the most important please

John answers:

It is not Kaizen…. It is Kai Zen – a Japanese word meaning “Continuous” and ” Improvement” . Many US companies have taken the cue from the japanese and have worked successfully. The basic principle is to make small improvements at a time, to make the end result a great jump in quality – meaning quality of time management, quality of product, and every other sphere of life.

If you go to Youtube.com and look for Kaizen Video or Kaisen Toast, you will see a great example of what we perceive and what really happens. For instance, toasing two slices of bread only takes a few seconds, but the action is preceded by a number of time amounts spent, and followed by another set of times spent. Therefore the total time spent is what is to be taken into account. Good video, and a good example.

Not too many companies follow this method nowadays. Many companies have stupid management principles and their entire focus is to get rid of experienced staff even a month before retiremenet, thus depriving them of the benefits, but save money for the company… They are not improving the company, but increasing the “shareholder value” by screwing employees and taking jobs to other countries. Some of them shift the entire factories to other countries and use other labour with only a handful of top guys managing the factory.

So, do they use Kaizen? Yes, to screw American employees. And to improve earnings to their pocket. The scenes have changed, and people dont realise this. And they hate unions and collective power.
And the government is with them. A recent example is the Supreme Court decide to throw out Walmart case. Hehehe

Betty asks…

what are the 9 types of waste under kaizen?

John answers:

I have only ever seen 7 types cited. Below is a description.

Seeing Waste During a Kaizen Blitz

Project team members may not be used to thinking in terms of waste and value in their individual work, their workgroup, and workstream so an emphasis on understanding the 7 types of waste in the project setting is essential. Examples of wastes within the work of a project team include:

Overproduction due to unclear requirements from the upstream process, waiting time for information from another project team member before work can be completed, inventory of projects or project tasks that are in process, motion of switching from one multi-task activity to another, defects and rework loops, and transportation and the delays and loss of information caused by hand-offs.

Then there is processing waste (which some call over-processing) Whenever you are using a crude tool to accomplish a task rather than the best available that may exist somewhere else in the workstream of the project, this is processing waste.

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Your Questions About Money Making Stocks

Laura asks…

what industry category would making money buying and selling stocks fall under?

Financial? Investment? Brokerage Firm?

John answers:

Investing.

Jenny asks…

Should I read this book about investing? How to Make Money in Stocks: A WINNING SYSTEM IN GOOD TIMES OR BAD?

How to Make Money in Stocks: A WINNING SYSTEM IN GOOD TIMES OR BAD Third Edition by: William O’Neil?

I have been trying to find reviews but I have decided that I would like to hear from investors here who have read it.

John answers:

Hi,

O’Neil makes a valiant effort to isolate the factors that indicate
a given stock is (almost) always going to go up in price.

Logically, it should work. It will certainly seem quite reasonable
to you.

The problem is, reality is not so neat and rational, and a well-run
company today is tomorrow’s lousy company.

This is not predictable. That’s the problem with real life.

Remember also that most of the price move of any individual company
is due to the overall market, not due to the company’s particular
details.

I suggest that you also read FOOLED BY RANDOMNESS by Nassim Nicholas Taleb, to remind you that real markets are not predictable.

Best, Rick Stooker

Mary asks…

What all do I need to do to train myself to become good at making money in the stock market?

Where’s what I have learned so far that I can use to make money and protect my money in the stock market:

Monitor MACD, Stochastics and one other thing (I forgot what it was) If all three indicators lines up, you either buy or sell.

Cover Calls: You can make money by sellingl someone the right to buy a stock at a certain price before a certain date. It is like owning property and taking in rent, except you own stocks.

“Protection Put” ?(not sure what it’s called): You buy the rights to sell your stocks for a certain price (even if the market price is lower) before a certain date.

What other concepts is there not listed here? Please compare this with your knowlege of the stock market and fill in what is not here that you know.

What all should I do to train myself to become good at making money on the internet? Give me some links or recommend some books please. I want to learn all about trading. I’m an absolute beginner. I don’t even have an account opened yet
correction for the detail section above: “stock market”, not internet

John answers:

Be patient. Always put a stop on your investment if it is not work

check this book out, Stock Traders Almanac, emphasize the Market cycle, seasonal cycle, presidential election cycle.

Yes you could learn invest by yourself. It is your money, you should know how to do with it. For starter check this site out.

Http://www.pathtoinvesting.org/index_fla…

Http://www.stockcharts.com

http://www.streettalklive.com section university. A lot amount of information. It will serve you well
I accumulate in good amount in 401k at the young age.I could share with you. When consider invest in stock market. You should consider basic 3 things:

fundamental analysis==(economic data,finincial health, management, business model, competetion)>>what to buy

technical analysis==(chart+indicator)>> when to buy

Sentiment/schycho analysis==>>mood of investor, Contrarian point of view.
Market cycle===>> check out book Trader Almanac by jeff hirsch will give you inside stuff
When you combine 3 thing, It is one of the powerful knowledge goinh with you for the rest of your live

At the age of 32. My 401k is amassed 75,000.00 and 30000.00 in taxble account. By follow simple rule

Donald asks…

How do people make money with stocks?

i am intersted in investing. i have like 1,500 that i want to start with. but i want to get as much info as possible before i risk my money.
how does the system work with stocks and how much can a person make and lose?

John answers:

You need to open an online trading account first in order to trade.. Basically the rule is buy low sell high, or short high and cover low..Personally, I think Sogotrade is best among all online brokerages. You can get a lot of free trades: about 100 free trades with 500 minimum deposits. It has very good customer services, it also has live help, and you can chat with representatives about any question. After that, only 3 dollar for each trade, pretty sweet when compared with other online brokerages.
Referral code: 453934

Michael asks…

IS there a proven method making money from stocks ?

John answers:

Yes.

Never fall in love with a stock.
Never bet more than you can afford to loose
Dont Take stock tips “Do your own research on tips dont rely on someone elses word”
and Research Reasearch Research……………………

Remember the stock market is a cross between Musical chairs and the walnut shell game. When the music stops make sure you have a seat and a marble.

Good luck

Jockee

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Your Questions About How To Invest In Stocks

Donald asks…

I want to invest in stocks at certain companies. How can I?

I would like to start investing in stocks. And although I have read about how it should be diversified, I would really like to invest only in certain companies, like apple for example, how do I just buy apple stock or any other stock for that matter?
P.S. Thanks for your time.

John answers:

You set up a brokerage account.

William asks…

How to invest in stocks, and what stocks do I invest in?

I am new to the stock market. I was wondering if anyone would be able to explain how to invest in stocks, what to look for when buying stocks, and what short term stocks to start with that will make me money. And good advice to be a successful investor.

John answers:

Hi,

If I were young, I would be investing in small cap growth mutual funds or stocks. Go here for excellent low cost advice (http://www.aaii.com/aaiiportfolios/commentaries/stockportfolio/200701comment.cfm).

Don’t be alarmed at the low cost – it has some of the best financial advice on the Web.

You have lots of time before retirement which means the magic of compound interest will just keep building and building. It really works and if you keep investing every year, in 10 or 15 years you will be surprised at how it mounts up. In 30 years you could be a millionaire which probably won’t amount to much in 30 year owing the the ravages of inflation.

By that time you will need a money manager like Fisher Investments to manage your money – probably before when you reach the $500,000 mark.

And that’s the primary reason to keep investing in small cap growth stocks – they will flog inflation to death.

When investing in mutual funds, select the no-load funds only. Do not invest in mutual funds with a “load”, an up front commission that you have to pay before when they sell you the mutual fund. Some charge as much as 10% which is a rrip-off. Many studies have shown that the no-load funds do as well as the load funds and sometimes a lot better.

Look at the AAI Shadow Stock Portfolio. I would try and emulate that portfolio if you want to invest in stocks. It was up 25% as of November 2006. The Vanguard Index fund is only up 14%.

AAII has some of the best financial advisers and the cost is very low. They have excellent guides and advice.

You may need a broker so go to e-Trade or Scottsdale who have low commission rates.

Do your own due diligence. Your own ideas are the best. Do not depend on someone else to select investments for you. Learn about investing so you don’t have to ask what stocks to invest in.

Be self reliant.

Remember what Emerson said: A foolish consistency is the hobgoblin of little minds, adored by little statesmen and philosophers and divines. With consistency a great soul has simply nothing to do.

Find stocks that have steadily rising net profits (earnings), low debt, and good P/Es, lots of cash, companies buying back their stock..

What interests you? Find stocks that pique your interest and passion.

You need fast growing good stocks with good earnings and in good sectors. You need to learn more about the stock market before you even think about investing in it.

The stocks world is divided into 12 sectors such as energy which chevron belongs to. It is next to last in the sectors list today.

Technology is numero uno, but things can change in a new york minute, but within the sector, the fastest growing are computer services, not Microsoft. Then, Electronic Instruments and controls. Next is computer storage devices.

The next hot sector is Healthcare, but heed the warning below. Go here for sectors: (http://clearstation.etrade.com/cgi-bin/Itechnicals?Event=srp&Section=redge&Refer=/redge.html)

The best software is Vector Vest if you can afford it. It has sector investing.

Here is a free Web site for charting stocks: (http://www.incrediblecharts.com/).

First of all, stay away from “professional brokers” and tips coming to you via e-mail or friends and acquaintances. And tips at Yahoo! Answers. And e-mail tips. Do your own due diligence – don’t rely on someone else. Read Emerson’s essay “Self Reliance.

Hey! They will say anything to get you to buy their junk. If it’s too good to be true, it is.

Remember this, they are just sales people trying to sell you what their firm is pushing. They are not security analysts or financial planners, not even financial advisers. Trust me, I know from experience that they cannot be trusted especially with a million dollars. You risk losing it all. A million dollar account is known as a “whale” and they would love to get their greedy little paws on it and suck it dry. They just want to make commissions on what they buy and sell for the suckers, err…clients..

Get this book: The Market Gurus: Stock Investing Strategies You Can Use from Wall Street’s Best (Paperback)
by John P. Reese (Author), Todd O. Glassman

Risk avoidance is the name of the game.

Remember, the harder I work, the luckier I get.

Penny stocks are highly speculative. I would avoid the ones under a dollar a share. For example, Best Buy started at less than $5. So there are some good companies, but it takes a lot of digging to find the good ones. You are looking for companies with good earnings, little debt, low capitalization, and good P/Es. For stocks under $5, very few will meet these requirements.

Stay away from the pharms unless they have patented drugs – do not invest in generic pharms, no growth there.

Check out which business sectors are the most popular and invest in the companies in those sectors. The number one, two and three are: technology, health care, and cyclicals (retail). These change periodically so keep current.

Go here for a list of growth stocks: http://www.thestreet.com/_googlen/newsanalysis/ratings/10345212.html?cm_ven=GOOGLEN&cm_cat=FREE&cm_ite=NA

There are these lists all over the Web – you pays your money and takes your chances.

Watch CNBC, but don’t pay too much attention to the talking heads, except for Jim Cramer, the wild man – but he tries to teach you how to invest and has some great advice.

Get Jim Cramer’s Real Money: Sane Investing in an Insane World by James J. Cramer

Listen to Jim Cramer on CNBC.com

Go to Clearstation for quotes and tutorials on investing at (http://clearstation.etrade.com/). Sign up is free. Look up a few stocks. Do their tutorials. Check out the sectors.

Get this book: Value Investing: From Graham to Buffett and Beyond (Wiley Finance) by Bruce C. N. Greenwald, Judd Kahn, Paul D. Sonkin, and Michael van Biema.

Another good book: The Motley Fool Investment Guide for Teens: 8 Steps to Having More Money Than Your Parents Ever Dreamed Of (Motley Fool) by David Gardner, Tom Gardner, and Selena Maranjian

Jim Cramer’s Mad Money: Watch TV, Get Rich by James J. Cramer and Cliff Mason

I Want to Make Money in the Stock Market: Learn to Begin Investing Without Losing Your Life Savings! By Chris M. Hart

Sensible Stock Investing: How to Pick, Value, and Manage Stocks by David P. Van Knapp

Stock Investing For Dummies (For Dummies (Business & Personal Finance)) by Paul Mladjenovic

All About Stock Market Strategies : The Easy Way To Get Started by David Brown and Kassandra Bentley

The Motley Fool Investment Guide and their Web site (http://www.fool.com/).

The Little Black Book of Microcap Investing: Beat the Market with NASDAQ/AMEX Microcap Stocks, OTCBB Penny Stocks, and Pink Sheet Stocks by Dan Holtzclaw

How To Make Money In Stocks: A Winning System in Good Times or Bad, 3rd Edition by William J. O’Neil

Trading for a Living: Psychology, Trading Tactics, Money Management by Alexander Elder

Big Trends in Trading: Strategies to Master Major Market Moves (A Marketplace Book) by Price Headley

Extraordinary Popular Delusions & the Madness of Crowds (Paperback)
by Charles Mackay (Author), Andrew Tobias (Foreword) This book talks about the Tulip craze in Holland where people would mortgage their homes to buy Tulip bulbs. Same thing happened in 2001 – 2002 with the Internet bubble that brought the stock market to its knees. The dot com companies were the Tulip bulbs.

Buy Investors Business Daily. It has lots of tutorials and I like it better than the stodgy Wall St Journal.

Money Game by Adam Smith

Common Stocks and Uncommon Profits and Other Writings (Wiley Investment Classics) (Hardcover)
by Philip A. Fisher. Recommended by Warren Buffet who took $100,000 and grew it to $34 billion!

Value Investing with the Masters by Kirk Kazanjian

Valuegrowth Investing by Glen Arnold

The 5 Keys to Value Investing by J. Dennis Jean-Jacques

The Intelligent Investor Rev Ed. (Collins Business Essentials) by Benjamin Graham. Warren Buffet was his student at Columbia.

The Money Masters by John Train

The Bogleheads’ Guide to Investing by Taylor Larimore

Common Sense on Mutual Funds: New Imperatives for the Intelligent Investor by John C. Bogle

Why Smart People Make Big Money Mistakes And How To Correct Them: Lessons From The New Science Of Behavioral Economics by Gary Belsky

Rule #1: The Simple Strategy for Successful Investing in Only 15 Minutes a Week! By Phil Town . See his Web site at (http://www.ruleoneinvestor.com/). Free sign-up. I got the book at the library.

Listen. You don’t have to spend a lot of money on these books – most can be found at your library and those that your library doesn’t have they can usually get from other libraries in your state.

Most of these books talk about stock and mutual fund investing, but for a good introduction to other forms of investing Gerald Appel has a great book called Opportunity Investing – How to Profit When Stock Advance, Stocks decline, Inflation Run Rampant, Prices fall, Oil Prices Hit the Roof and Every Time In Between.

First, Break All the Rules: What the World’s Greatest Managers Do Differently by Marcus Buckingham and Curt Coffman Not a book on investing, but it’s a nice segue into the next book.

Now, Discover Your Strengths by Marcus Buckingham and Donald O. Clifton

Go Put Your Strengths to Work: 6 Powerful Steps to Achieve Outstanding Performance by Marcus Buckingham

Finding your strengths is important when investing. These books teach you to build on your strengths, what you a good at. Everyone is good or passionate about something. Why not get better at what you are good at?

Another good book is: Opportunity Investing: How To Profit When Stocks Advance, Stocks Decline, Inflation Runs Rampant, Prices Fall, Oil Prices Hit the Roof, … And Every Time in Between (Hardcover)
by Gerald Appel

Most mutual funds do not even keep up the the return on the S&P. That’s like 99% of them.

Vanguard Index funds are a no brainer.

A CD is better than a savings account. They range from six months to several years. You cannot touch your money tho until the time limit is up.

Check out this Web site on Direct Investment Plans where you can buy shares directly from companies: (http://www.fool.com/School/DRIPs.htm). Usually no fees and you can buy one share at a time.

Bonds are probably the safest. But they are not for the young. You might try a bond fund. They might return 5 or 6 percent. At 5% a million would return $50,000 a year – not a bad income. Remember, you have to pay taxes on the $50,000.

There are also municipal bonds and the income from them is taxfree especially if you buy them in a state that offers them, but they only pay about 3%, but it’s mostly taxfree.

Look into Fidelity sector funds. Buy the top three, then in six months look how they are doing and if not so hot, select the next three that are best. Do this for a few years and you will make lots of money.

Kindest Personal Regards,

Walt Brown
Site Build It Certified Webmaster
capecod1@capecod-beaches.com

P.S. This is a life-long learning process. Reading these books and applying the rules to analyzing stocks that may be good It takes time. Be patient and keep reading and listening. Don’t be a sucker and follow someone elses advice. Be your own man or woman. Depend on no one except yourself. You can only get smarter and stronger that way.

P.P.S. Internet has lots of good stuff, for example (http://stockcharts.com/school/doku.php?id=chart_school:technical_indicators:moving_average_conve
Stockcharts.com is very good and their discussion of MACD is one of the best, barring its originator, Gerald Apple, but now we are getting into Technical Analysis and that is not for beginners. But it is an important factor in finding good stocks that are going up and growing. Remember, tiny acorns grow into mighty oaks.

Nancy asks…

How long would I need to invest in stocks, bonds, and mutual funds before I see any earnings?

I just started getting interested in stocks, bonds, mutual funds, etc… and I want to know how long before I will see any earnings off my investments? I want to invest at least $2000 and would like to gain enough to open up a business. Would I have to wait a month? 6 months? 1 year? 5 years? Exactly how long? Thanks.
I need maybe 20-25 thousand to open the business.

John answers:

You can see profits or losses immediately but a good decent amount of gains will need about a year to happen.

Lizzie asks…

Where can I find instruction on how to invest in stocks on my own and what the minimum investments are?

I’d like to see if I can invest in some stocks on my own.

John answers:

Step 1.
First decide what kind of brokerage you want to work with. You can open a brokerage account in your bank,
with a large full service brokerage or an internet brokerage. I find when I get help, most people want to sell me
things that are better for them then they are for me…. So I use http://www.scottrade.com because it’s cheap and
easy with low frills. I like their streaming quotes and I do my own research and make my own investments. But
any low cost internet brokerage service is fine.

Step 2. Get a subscription to Barrons or Investors Business Daily… Don’t worry about the cost, and don’t skip
this step. Do this for at least 6 months or a year. At first, It seems a bit mysterious, but pretty soon you start to
understand the terms and things that investors are looking for and what they are afraid of.

Step 3. If you have some money to invest, put it in 3 month CD’s right now. First the market is unstable and
second you have some homework in Step 4 to do before you do any investing.

Step 4. Go out to the internet and search on the following subjects. Become very familiar with the concepts.
Asset allocation
Long term investing
asset correlation
dollar cost averaging
inflation
Roth ira vs ira
Large med small cap stocks
Value vs growth stocks
Indexed funds
No load mutual funds
ETF (also ETN and CEF all similar but with special differences)
Sector funds
Bonds, CD, preferred stock
dividends
International funds
emerging markets
commodities
Market cycles
volatility
Fundamental analysis
Technical analysis
Life insurance term vs whole
In most cases, I think it is wise to use indexed mutual funds and ETF to build the base of your portfolio.

Step 5 go to http://clearstation.etrade.com/ and sign up for a free account. Play around there by looking at
graphs and fundamentals. If you click on the graph names, you will get clear information about what the graph
is based on and how to interpret it. I think it’s also a good idea to pretend you have $10,000 and start buying
and selling on paper. Keep track of where you are each day for a month… It’s a lot easier to lose play money
then real money….
WARNING: don’t rely on technical analysis alone. These graphs are good at telling you WHEN to buy and sell,
but now WHAT to buy.

Step 6. It’s always a good Idea to see a CFP (certified financial planner) especially if you have a family. But be
sure to go to one who charges a fee, rather then one who gets paid a commission on your investments. Their job
is to work for your benefit, not to sell you investments. They can cover subjects like employee benefits,
insurance, budgeting, living trusts, 401k, taxes and real estate as well as investment types and investment types
to keep away from.
But you can buy the CFP study guide at any book store and learn a lot about those topics yourself.

Always strive to do your own research… you’ll find everyone sounds like an expert so take everything people
tell you with a grain of salt. It’s not easy in the beginning but soon you will be the expert.

Don’t get involved with futures, currency, options (unless you get stock options at work), commodities,
annuities or other derivative type investments at this time.

Good Luck

Linda asks…

How much money do you need to invest in stocks for the first time?

I am a first time investor interested in investing in stocks and I was wondering what the minimum amount one would need to start investing and where do I get solid info on what stocks to invest in? Any feedback would be greatly appreciated! :)

John answers:

My advice is to get a qualified broker. Find a broker that makes their money by making you money. (Say 1.5% of the profit you make) Large brokerage firms have analysts that study stocks and trends. Then invest a consistent amount over time. Eg. Even $50 a month over time will build you a nice portfolio. What is the most important is to be consistent with your deposits.

Think of it the same a fixing the motor on your car. Sure, you can buy a book, and do the work yourself. But chances are that the work will be much better quality with a trained professional looking after it.

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Your Questions About Successful Trading Business

George asks…

Can a highly intelligent individual significantly beat the market trading?

Assume somebody with an unusually high iq and a substantial understanding of gambling mathematics, finance, and economics.

Assume this individual would be working with total capital of approximately $100k and would work from his home office.

Assume this individual could devote several hours per day if necessary.

Realistically, is there a reasonable way this individual could master getting in and out of investments in a way that leads to a significantly higher return than the general market?

I am pretty well versed in the efficient market hypothesis, and I generally think that short-term trading is little more than flipping coins with transaction costs. But there clearly are entire firms set up that apparently make money trading the market, and there are individuals who do make significant income trading. These successful traders are likely like any business person who found a profitable niche: they do all they can to not publicize how they’re making money.

Thanks.

John answers:

Contrary to most of the others who have answered before me, I think that you have to be a complete idiot to lose money in the stock market. The only way that I can see, that people lose money, is because they panic, or they do things which are really, really, stupid. You’ll never go broke betting on the stupidity of others. I only have a tenth grade education, but I make a good living in the stock market, by simply letting really “intelligent” people, give me money.

Sharon asks…

selling a business help?

My dad is self employed and is getting to the point of retiring. He runs a very successful business and is always in demand. I’m trying to find out if it’s possible for him to sell his business. The problem is that aside from a few tools and stock he doesnt have any assets or an office or staff or anything. So essentially what he would be selling is his large customer database, his phone number and the name he trades under so the reputation he’s built up. Is this even possible? If anyone has any experience i would be very happy to hear it. i have checked on google but the advice i found related to selling big businesses! thanks so much for your help

John answers:

This is called the goodwill of the company. It’s common to sell that. Try and sell before next April. Taper relief tax, currently 10%, if you own the company for more than 2 years. Is going up 80% to 18%.

Donald asks…

I trade with IG Index, I have made £3000 this month, where do they get the money to pay me?

I mean, what if I made a successful trade profit of £100,000. where does that money come from? their own business running capital?

John answers:

IG Index is spread betting. I.e. Like a bookmaker. They make their money from people who lose.

Sandra asks…

I have a business idea, but there is no fashion merchandising school near me. What can I do?

I have a degree in marketing and ran a very successful business for five years before selling to my ex. I moved to a small town to be near my aging parents. I want to open a store that sells JEANS, and maybe a few accessories. I would like for the store to carry all the best brands, a signature line, low-end to high end and everything in between.

I’m wondering if I can do this without fashion merchandising experience? Or, would I just end up losing a ton of money? Start up capital is not an issue, but I’m worried I wouldn’t be able to get the brands I want, or know what trade shows to go to, etc.

Anyone have any advice? The nearest school is a 3.5 hour drive and I’m unsure of online schools, which are reputable and which are not, etc. Any advice appreciated.

John answers:

Post your idea for a business to sites like www.ideablob.com where the community can give you advice and find some people to help. There is also www.mysomeday.com which just launched and may help.
I also would recommend attending meetup events. One site (www.meetup.com) could put you in touch with groups of fashion people to help you find the right people to ask/work with. Another new venture that just started up and is helping entrepreneurs like you is bloblive.com. You present your idea at an event and people from online/audience give you feedback/advice. Best of luck!

Daniel asks…

Would it be worth making complaints about unsubstantiated/fraudulent homeopathic claims to Trading Standards?

I’m thinking of going round the “Alternative (to) Medicine” shops, and noting some of the unsubstantiated claims made, then reporting them for false advertising or fraud. Has anyone ever done this? Is it likely to be successful?

[Trading Standards is something we have in the UK. Their aim is to prosecute fraudulent & dishonest businesses]
old cat lady: how many logical fallacies do you think you committed in that statement?
Hi purplepinkanddots: I plan to find shops which make claims that the homeopathic treatments they sell can cure people (no scientific evidence exists to support these claims). So that is the fraud – making money by selling medical treatments which have not been shown to work.
cat lady: http://www.nizkor.org/features/fallacies/appeal-to-authority.html

Instead of providing evidence to back up your argument, you are saying:

“This person is an expert, he believes it so it must be true”

A logical fallacy, displaying the weakness of your position.

John answers:

There’s no point in doing it really. The medical industry already has a lot of people on their payroll to that specific thing, and teaches doctors to do it in school, so there’s about as much pressure as possible already. I know in America doctors have been sucessfully sued for saying ___ is bad for you and should be avoided, even though ___ is later proven to be a deadly carcinogen. So, really, if you want to do it, all the power to you, but it doesn’t serve any practical purpose except letting you get a rise out of harassing an alt med practitioner.

Homeopathy not working is not a fact, it’s a belief, much the same way allopathic medicine working is not a fact, rather it’s a belief. If you look at either objectively, there isn’t definitive proof either statement is true. There are lots of surgeries and drugs zealously prescribed which do nothing positive for their patients but cost lots of money (ie. Spinal fusions).
The entire topic (what forms of medicine “work”) exists within the realm of belief rather than fact (although to be fair science has a tendency to purport it’s subjective viewpoint as fact which makes this concept difficult to understand for a traditional scientist). If you want to force your believes on others and persecute them for believing otherwise, go right ahead. People have been doing it from the dawn of time.

Truthfully though, what are you asking for. Advertisers to only make truthful claims to sell their products? That’s about the same as wanting the sky to turn red. To my knowledge the only place that’s been carried out is in cuba because Castro flat out banned all advertisement (although to be fair his approach does have pros for it).

One of the most effective forms of advertisment is word of mouth, and alternative health practices have done as well as they have not because of ‘things on labels or adversting campaigns’ but rather word of mouth from people they worked for (wheras the medical industry tries to do the exact opposite). If your goal is to shut the alt med community down, going after labeling is somewhat pointless, it’s not where their support lies. On the otherhand, if you are trying to crusade for public health, I think it would be much more productive to focus on toxic things being sold conventionally rather than alternative remedies that may do “nothing”.
Who would you feel worse for? A guy who spent his life savings on a drug that killed him, or a guy that spent 20 bucks on something that just gave him a placebo effect.

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Your Questions About Paper Trading Stocks

Donald asks…

stock trading in indian market?

i wanna know where i can open a paper trade account online to practice stock trading in indian market. please give me the links or website details.
thank you

John answers:

Moneybhai.com online trading game

Mandy asks…

What are the pros and cons of online stock trading?

The paper I am doing it for gave me a website to go to, but it’s not working anymore, so does anyone have any opinions on the pros and cons of trading your stock online?

John answers:

If you are in the ‘developed’ world (UK, Europe, USA) then there is no other way to effectively deal stocks ..

Paper Share Certificates no longer exist and (your Teacher should know this) ALL trading is done ‘on-line’ ..

Some ‘traditional’ traders still like to ring up their ‘broker’, however, unless you are blind (and thus unable to use a PC) or a millionaire (and don’t have the time) it’s totally pointless, since all your ‘broker’ is going to do is log on and perform the exact same trade you could have done yourself (expect he will charge you a higher rate of commission than you get by doing your own typing) …

George asks…

stock trading question?

(ive been paper trading) I’m so confused about the whole margin thing and $5 rule thing and trade+3days thing….I posted a question on here before but then I forgot to mention some things. I am planning on using scottrade. I only trade a certain way. I will only have $2,00 to start out with to open up a margin account. Most of the stocks I buy are priced under $5, I buy in the late afternoon and sell the next morning, and I only want a margain accout for bridging/padding the trade plus 3 days rule….most of the stocks that i can manage to make money on are mostly priced under $5…I want to trade 5 days a week…with $2,000 in a margin account…can I do this? Again I only want the margin account for “padding”…but the stocks are priced under $5….

John answers:

Yes, you can do this as you’re holding the positions overnight.

Even a “regular” margin account will insulate you from the trade+3day situation. The fact that the stocks are under $5, or anything else that influences their marginability, should make no difference as long as you don’t purchase more than your account value’s worth of the shares.

(FYI, “intraday” would be if you bought and sold the shares the same day. If you did that “four or more times in any five consecutive business day period”, then they would require that you have $25000 in the account; but since you’re holding overnight, this is irrelevant.)

Thomas asks…

How can one search for stocks by sector?

I’m trading only paper as of now, but is there a way (perhaps via a brokerage– which I presently do not have) to find a comprehensive list of stocks by their respective sector?

John answers:

Http://stockcharts.com/charts/carpet.html

http://stockcharts.com/charts/performance/SPSectors.html

The chart shows each sector in relation to the S&P 500

Lizzie asks…

Want to start investing in stocks, where to start?

I am doing some “paper” investing and starting to read some books, what are some good online companies to trade stock with that have no commission or high fees for buying or selling? I would be a light investor, under 150$ to start. Any suggestions on companies?

John answers:

If you’re a rookie in investing or stocks, go to

www.finance.yahoo.com.

Open up a portfolio without using real money. You can give yourself as much or as little money to try out the market. The stocks you want to focus on is consumer staples, consumer discretionary, and healthcare. These are DEFENSIVE stocks that will survive through good and bad times. Most of my positions are in these stocks. Some names include 3M, Procter & Gamble, Kimberly Clark, Exxon Mobil, Walmart, Costco. Everybody’s got to eat and wipe their butts regardless of the state of economy. Many of these companies survived through the Great Depression.

That’s the benefits. You can sleep at night knowing your money is doing well. There are NO guarantees that you won’t lose money. It’s just that these stocks are the best. They pay good dividends too.

Then once you’re comfortable and test the waters of the market, you can finally put some real money in. Go to Scottrade.com. They’re excellent for beginners.

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Your Questions About Email Addresses Free

Michael asks…

How can i get free email addresses for people in UK?

I want to do an email campaign, emailing everyone in the UK about a new internet business, how can i get their email addresses for free. Does anyone know how i would be able to email everyone.

John answers:

That is spam. Most email clients wouldn’t even allow you to mail to that many addresses. Would you want everyone who wants people to go to their website to be emailing you? You’d get thousands of emails a day if it were that easy. If you have a business and you want it seen, make sure you work with Google and other search engines so that when people search for whatever your business is, they will find your site. You will likely have to pay. If you have a product or service to sell, you have to be willing to pay to make your business a success. That isn’t done by annoying people by flooding them with spam.

Sharon asks…

How can I obtain free email addresses?

I want to conduct an experiment the involves the use of email. I only need about 10 to 20 email addresses. Is there any kind of free service that provides addresses for free?

John answers:

Experiment??? Yeah! Right!!! No thanks! I don’t need any more SPAM!!!

Betty asks…

How can I join a site that does not accept “free email addresses?”?

I use yahoo and hotmail, I want to join a message board but its saying “The administrator has banned your email address. As stated on the registration agreement page, we do not accept registrations with free E-mail addresses such as Yahoo, Hotmail, and the like.”
Is there any emails I could use?

John answers:

Usually, you internet service provider will also offer e-mail, such as janedoe@roadrunner, or whoever your ISP is.

Lizzie asks…

is there a web site that will locate peoples email addresses free of charge?

i was needing to know if it is possible to locate someones email address free of charge?

John answers:

When you find about tell me

Mark asks…

Where on Google can I set up my web email addresses for free?

I have a website. Where can I go to make email addresses for my website free?

John answers:

Http://www.google.com/a/help/intl/en/org/index.html
http://www.google.com/apps/intl/en/business/editions.html

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Your Questions About How To Pick Stocks

Ruth asks…

How to pick good stocks (shares) from secondary market?

John answers:

By talking to a financial adviser. It’s true, you have to pay a commission, but generally speaking they could give you a better call, and hence the returns would be better.

James asks…

How to pick undervalued stocks at stock exchanges?

John answers:

The classical fundamental analysis approach is to compare the various ratios of similar stocks and declare the one with the “worst” ratios undervalued. So if stock A has a price/earnings ratio of 10 and stock B has a price/earnings ratio of 15 and their prospects are equally good, then a fundamental analyst might declare stock A “undervalued”. If the stock price then goes up, the analyst is a genius. But if they both go down, they were both obviously “overvalued”. A few people can play this game successfully, but I think there’s a fatal flaw to this approach that makes it very difficult for an amateur to play. This approach assumes that the market is stupid, and an individual can outsmart it. I would argue that the market is rarely stupid, it’s just overreactive and overemotional. The only time a stock is reliably “undervalued” is when transitory or irrelevant news induces overreactive selling. There are periods when stocks reporting earnings a penny below expectations are routinely hammered 10 to 25 per cent. If the company isn’t totally negative on the future, there is usually a bounceback as bargain hunters come in. My favorite “undervaluation” moment is when an analyst downgrades a stock and knocks it down 5-10 per cent. Most analysts aren’t any smarter than the market. If the company is doing well and the stock is in a decent uptrend, it will recover in a few hours or days.

This disturbs many people, but the truth is prices are driven by emotion and psychology, not financial ratios. An ordinary person can take advantage of this fact when emotion gets out of hand. I think this is a more reasonable goal than trying to be the next Warren Buffett in one’s spare time.

Sharon asks…

INTRA DAY SOFTWARE OR HOW TO PICK INTRADAY STOCKS?

I am a intraday trader, can any one help me is there any free software by which i can pick up the stock moving up or moving down or a site during live market hours and c the stock prices live software free.

John answers:

There are no free realtime solutions that I would use to put my money at risk. However if you’re just interested in testing the water and checking out the market then you can consider these two:

http://www.nasdaq.com/aspx/unusualvolume.aspx

http://www.prophet.net/scans/index.jsp

Also your broker should have at least some lists such as Most Active, Highest % Gainers/Losers.

Lizzie asks…

I would like to be hired as a stock option advisor how can i do this?

I have no college degree so I believe this will be impossible. Someone please help. I can pick stocks going up and down better than most professional who work on wall street.

John answers:

You can always become a stock broker, and try to build a client base.
Firms are always looking for brokers, and you don’t need to have a college education.
You’ll just have to get your resume out on the street and give it a try.

During my many years in the industry I’ve interviewed many prospective employees, who claimed they were better than most professional, but in reality, I’d take the professional advisor any day and being from the operational world, I don’t like advisors.

If you are that good, why aren’t you trading for yourself rather than worrying about getting a job.
Option traders, can easily make 10,000 a month using limited capital.

I’m not telling you what you want to hear, and maybe I’m not being too polite in my response, but it is honest and it’s based on years of experience. Go out there and prove to yourself that you can make a very decent living trading.

Donald asks…

project for stocks/mutual funds? HELP.?

i am doing a project for math & i need to pick stocks/mutual funds. i have no idea how to do this. could someone give me two good ones? ASAP , please.
-thankyou :)

John answers:

KO and WMT are two good companies. Very good in fact. Also MCD

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Your Questions About Real Estate Investing Tips

Donald asks…

Need advice from landlords?

I would like to have some helpful advice from landlords. I am considering investing in real estate. I’m not sure if I would rent out a single family home or a duplex apartment. Is it better to rent a small apartment or to rent out a house? If you have any other advice and tips you would like to offer as a landlord (through lessons learned) please offer.

John answers:

They can both be good, but it depends on the demand in your area. I own two rental properties. One is a house, and one is a duplex with an upper-lower arrangement. Have had the same renters in all three for seven years or more. Hey are all really good renters, so I have never raised their rent. If one of them ever leaves, I might consider charging more, but good renters are hard to come by and I am happy to have them. I never went the apartment rental route, because where I live…rental houses are few and far between, and most of them are kinda crappy. There are advantages to both, I suppose. For instance, I have to take care of the lawn issues and snow removal. If you bought an apartment and rented it, you wouldn’t personally be responsible for maintenance, but would still have to pay it monthly with association dues…far more expensive than what the actual cost is. Really….it’s pretty cheap to maintain the property. I pay a kid $6 bucks a week for the one house, and $9 bucks a week for the other…to cut the grass. Snow removal is just when we get more than 3 inches…then it costs about $20 to clear the driveways and sidewalks. Of course, you can always write seasonal maintenance into your lease and make the renter responsible. I didn’t, because I wanted to make sure my properties always looked good and didn’t want to give up control of that. But it’s up to you. Overall, before you invest and think you are going to just rent out and make a crap load of money…let me warn you that finding a good renter is not easy. I went through several crummy renters before finding the ones I have now. You also REALLY need to consider your long-term goals, and what your market is like right now. If there are a lot of properties on the market, you might have a hard time renting. And if you are just thinking of one rental, you need to consider that you may not really make any money on the property until it’s paid off, but can use it for collateral and build home equity, only….which is what I did. ALSO…investment properties…from the start…are more difficult to finance. So if you can’t pay cash for the property and need to take out a loan, you might have a tougher time with it…especially now, with all the stingy banks.

Mary asks…

How Can I Start Investing In R.E.O Properties?

Hi Im 21 years old and received my Real Estate License about a year ago. Im pretty new to this business but I know I will be succesful if i work hard. Im really interested in R.E.O properties. I want to start investing in these properties because I know there’s a lot of money to be made especially here in Los Angeles. Problem is I don’t have sufficient credit to acquire a loan yet. Are there any investors out there that can give me some tips as to pursuing this goal?…..Thanks

John answers:

Being a Realtor will make it very easy to watch homes that could be good investments, and make offers after they have been on the market a few months.

Since you don’t have enough credit right now, I would suggest joining a local real estate investor’s group to meet investors and see what others are doing in your area. I would imagine in this market that you will need to learn about the landlord laws in your area as you probably will need other options besides just reselling.

My best advice is to learn as much as you can, and don’t rush into buying until you have an understanding of several different exit strategies. There’s nothing worse for your credit than to get over-extended and have houses that won’t sell.

Good luck!

Richard asks…

Is it the right time to move out?

I’m 24, single and living in my parents basement. I don’t like the sound of that. I want things to change. I would like to be more independent and start to live like an adult. I’ve been investing for the last 6 years now and just opened up a savings account. I figure I have enough to make a down payment of 20% of a house/condo. When I’m at home, I just feel like I’m going crazy! I just need a sense of freedom. How much should I put down towards a new place? 20%? I don’t know. If anyone has any tips on real estate, please let me know.

John answers:

I think its about time for you to move out and for how much down it all depends on where you are going to live and information like that you can actually call places that you like and find out how much you should put down!

Paul asks…

I am thinking about becoming a realtor.. Any tips or is now a bad time?

I currently have a BS in Biology and planned on attending medical school. With the current debates about Medical policies, insurance, Obama care, etc. I have been leaning against this. I have had several friends finish medical school and have not been placed yet. I want to start a job soon and go ahead and begin my future and hopefully my family. Lately, all I can think about is Real Estate. I know the market is down but I have a strong passion for it and help a couple of people who are already in it.

I would love to get any advice for people who are already Realtors. Should I take the plunge? Do you love your job and is it profitable at this time? I am a dedicated, enthusiastic person who knows the time and patience this job would require. I just don’t want to invest all this energy into something that isn’t paying right now. Any tips or advice would be much appreciated. I live in Texas. Thank you!

John answers:

I was a Realtor and became a broker and a RE developer over 20yrs. I loved it and did every kind of RE related deal you could imagine. Many very smart, wise, savvy, knowledgeable and previously successful RE pros are struggling to make a living. If it’s the ONLY thing you want to do professionally at this time, go for it. But know that it’s a SALES business. Your personality must sell itself and you have to be A HIGHLY MOTIVATED Self starter. I Wish you great success

Carol asks…

How to effectively hedge against inflation? (Complex, multi-part question)?

I’m not a investment guru by any stretch of the imagination, so please forgive any ignorance, errors, or awkward questions asked out of doubt.

From what I’ve read, it seems inflation will start to hit next year. (yes? no? civil thoughts?) I’m considering protecting myself with the following strategy:

1. TIPS – Apparently, the only good way to play these is in an account w/ a tax benefit. (Does this mean: Roth IRA? Roth 401k?) I have a Fidelity 401K account (can invest in both Roth and non-Roth 401k), a T.Rowe price 401k account (from previous job), and a TDAmeritrade trading account. Should I keep some of my funds in my Fidelity account in a TIPS fund (Roth or non-Roth)? What fund should I be looking for? I guess I can open an IRA through Ameritrade and look for TIPS funds to invest in?

2. Gold, Platinum, Palladium, Silver — I might have missed the boat on Gold? I’ve looked at ticker=GLD. Is Palladium a safe bet? How does one play Palladium? Thoughts on investing in any of these?

3. Real Estate – I gather this is not the best way to deal w/ inflation, but I just bought a smaller second house. I guess the best way to deal with this is to get a 30-year fixed rate mortgage, and pay it off later when inflation makes the outstanding balance “cheaper”. In the meantime, I’m going to try to keep it rented.

I realize this is a complex question. Just fishing for thoughts. Thanks.

John answers:

1) TIPS do protect you against inflation. However the federal government’s dirty little trick here is that you get more interest, which the federal government taxes. So much of the protection you get in buying TIPS goes into Obama’s pocket in the form of higher taxes. Another hidden tax he is laying on those making less than $250,000 a year.

2) I like gold. I prefer gold mining stocks as they are easier to buy and sell with less commissions than on gold bullion and you don’t have to pay to store or insure it. My favorites are Goldcorp (GG) and Kinross Gold (KGC).

3) Real estate is iffy at best. You’ve seen the prices of real estate plummet the last few years. But this may be a buying opportunity.

One that you missed is oil or oil companies. I actually prefer oil as the world will eventually run out of it. We’ll never run out of gold as we don’t burn it away the way we do oil. Oil as you well know is well off it’s high of around $150. Where gold is still pretty close to it’s high. My favorite oil stock is Marathon Oil (MRO). A smaller company which may get bought out as larger oil companies look to increase their reserves.

Good luck in your investments. It’s important to hedge against the inflation that Obama is about to rain down on us.

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