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Rabu, 14 April 2010
Tips To Choosing The Right Auto Insurance Company
Are you in the market for better auto insurance rates? Or, perhaps you are simply looking for a new auto insurance company?
Whatever your reason for shopping around, now is the perfect time to request auto insurance quotes from several companies who are more than eager to earn your patronage. In fact, many companies will compete for your business by way of auto insurance rates.
Your first step to choosing the right auto insurance company is to consider the type of coverage that you need. For instance, if you have a less than perfect driving record or past credit problems, you may want to compare auto insurance costs from companies who specialize in giving customers a second chance to earn discount auto insurance. If you own more than one vehicle, you may find that some auto insurance companies will offer cheap auto insurance rates in exchange for becoming your exclusive provider. In other words, transferring all of your policies to one company may result in discount auto insurance at its best.
The next step in choosing an auto insurance company is to look for one that rewards customers based on a good driving record. One of the keys to a respectable auto insurance company is flexibility when it comes to coverage selection and incentives to promote better and more responsible driving. In addition to comparing auto insurance rates and plans, take the time to review the auto insurance company's policy on discount auto insurance rates for those with a safe driving record.
It's important to realize that auto insurance rates vary from one area to the next
. A good auto insurance company, for instance, will offer various deductibles, competitive auto insurance rates and some type of coverage that allows for the temporary payment of medical bills in the event that you ever become involved in an auto accident. If you are injured as a result of another motorist's negligence, many auto insurance companies will pay for your medical bills and later seek reimbursement from the faulty individual(s).
As a final thought to choosing an auto insurance company that offers the best auto insurance rate, free auto insurance quotes and/or a flexible program that can be customized to fit your individual needs, simply take the time to shop around and compare auto insurance from more than one company prior to making a final decision.
Stock Market Cycles - Key to Profitable Investing
The ebb and flow of stock markets present opportunities to profit if an investor understands these cycles. Since 1900 we have had 27 bull markets with corresponding bear markets to make things interesting. Presently, we are experiencing the 6th longest and the 5th weakest stock market rally as measured by the Dow.
While this is interesting, it would be more helpful if we could better understand these cycles in the market. Well, the stock market does tend to move in cycles, short term (also called cyclical), and long term (also called secular). Secular markets typically can last between 10 to 20 years, while cyclical markets usually last between 2 - 3 years on average. Think of a secular market as the primary long term trend, while a cyclical market is simply a shorter term cycle within the primary long term secular market.
As investors and traders, we need to understand where we are within these market cycles, so we can be on the right side of the trend to enhance our success. For example, the market was in a secular bull market from 1982 - 2000, experiencing a strong primary uptrend where the Dow Jones Industrial Average increased over 10 fold from about a low of 800 to over 10,000. Of course, there were short term bear markets such as in 1987, however, the easy money was made on the long side as the primary trend was up.
However, here's where the danger lies: The majority of investors today have only experienced a secular bull market, such as the one from 1982 - 2000. Most of us have not experienced a long term secular bear market where the primary trend is mostly sideways to slightly down. The last secular bear market lasted 16 years from 1966 to 1982. Just to give you some perspective, the Dow Jones hit a high near 1000 in 1966, and hit a low in the 800s during 1982. In other words, the Dow essentially was flat for 16 years. During this time, the 'easy money' was not made on the long or short side, but by being being a good stock picker identifying undervalued opportunities, special situation stocks, and sectors that are temporarily strong. Understanding whether we are in a cyclical bull or bear market greatly enhances our chances for success.
The problem is that the secular bull market that began in 1982 ended in 2000. Therefore, while the stock brokers advice to hold for the long term was good advice for a secular bull market, it is totally the wrong strategy for a new secular bear market. The market entered into a new secular bear market in 2000, and as history shows, this new secular bear market will probably last at least until 2010 or longer. The market rally from early 2003 until now is simply a cyclical bull market within the new long term secular bear market. Holding for the long term will not work in this new secular bear market.
Let's look at each secular bull and bear market of the Dow over the last 100 years. As you can see, except for the secular bull market of 1921 - 1929, secular market cycles last on average 16 to 20 years.
- Secular Bull Market, 1982 - 2000, (18 years)
- Secular Bear Market, 1966 - 1982, (16 years)
- Secular Bull Market, 1949 - 1966, (17 years)
- Secular Bear Market, 1929 - 1949, (20 years)
- Secular Bull Market, 1921 - 1929, (8 years)
- Secular Bear Market, 1905 - 1921, (16 years)
Secular Bull Market, 1982 - 2000 (18 years)
Let's work backwards, beginning with the last secular bull market, which lasted from 1982 - 2000. The Dow increased over 10 fold from a low of about 800 to a high in the 11,000s. The strong primary trend was up and the best way to make money was to be long in your positions. Only the nimble were able to take advantage of the few cyclical bear markets that occurred in 1987, 1991, and 1998. These pull backs were also opportunities to establish new long positions.
Secular Bear Market, 1966 - 1982 (16 years)
Prior to the last secular bull market, the market was in a long term secular bear market which lasted from 1966 to 1982. During this time, the market essentially went sideways for 16 years. For example, the Dow hit a high of about 1000 in 1966, and low in the 800s in 1982. If you would have followed your brokers advice to 'hold for the long term' you would have been greatly disappointed. Sixteen years is a long time to receive next to nothing in return on your money.
If you could use a time machine and jump forward 10 years from now, I think this how a chart of the Dow or NASDAQ might look. Both traders and investors will need to do their homework, seeking sectors and stocks that present great value opportunities.
Secular Bull Market, 1949 - 1966 (17 years)
The Dow was in a secular bull market from 1949 - 1966. Here the primary trend was up, which is typical for secular bull markets. The easy money was made by primarily remaining long throughout the cycle.
Secular Bear Market, 1929 - 1949 (20 years)
From 1929 until 1949, the Dow was in the famous secular bear market which also defined the Great Depression. After the nightmare crash from 1929 to 1932, the Dow essentially went sideways to slightly up for the next 17 years, but did not reach its old highs near 375 until the early 1950s. However, there were cyclical bull and bear markets during this long term secular bear market.
The Dow experienced the mother of all crashed from 1929 until 1932. Then from 1932 until 1937, the Dow nearly quadrupled from a low of about 50 to 200. Then from 1937 to 1942 the DOW lost about half of its value from near 200 to about 100 (cyclical bear). Then from 1942 to 1949 the DOW recovered (cyclical bull).
Secular Bull Market, 1921 - 1929 (8 years)
From 1921 until 1929, the Dow was in a strong secular bull market. Actually, from a chart perspective this period was very similar to the more recent 1982 to 2000 secular bull market. The primary trend was up, and the easy money was made by buying and holding for the long term.
Secular Bull Market, 1905 - 1921 (16 years)
The Dow was in a secular bear market from 1905 until 1921. This secular bear market was typical of most secular bear markets, such as the one from 1966 - 1982, composed of mostly vicious cyclical bull and bear markets that result in a mostly sideways long term movement.
Hopefully, you realize it is very important to know the market's primary secular and cyclical trend. During secular bull markets, the easy money is make by staying long. However, during secular bear markets, staying long produces poor results at best and you could lose a lot of money. Stock picking and following the hot sectors is important for success.
Conclusion
Trading and investing is much easier in secular bull markets, and much more difficult during secular bear markets. Since we are in a secular bear market for the next 5 to 10 years, it is going to be much more difficult to be successful in your trading and investing.
Currently, the cyclical bull market that begin in early 2003 is close to being over and a new cyclical bear market will begun that will last another 2 to 3 years. This means that the best plays will be on the bearish side for the next couple years, that is, until the next cyclical bull begins.
While this is interesting, it would be more helpful if we could better understand these cycles in the market. Well, the stock market does tend to move in cycles, short term (also called cyclical), and long term (also called secular). Secular markets typically can last between 10 to 20 years, while cyclical markets usually last between 2 - 3 years on average. Think of a secular market as the primary long term trend, while a cyclical market is simply a shorter term cycle within the primary long term secular market.
As investors and traders, we need to understand where we are within these market cycles, so we can be on the right side of the trend to enhance our success. For example, the market was in a secular bull market from 1982 - 2000, experiencing a strong primary uptrend where the Dow Jones Industrial Average increased over 10 fold from about a low of 800 to over 10,000. Of course, there were short term bear markets such as in 1987, however, the easy money was made on the long side as the primary trend was up.
However, here's where the danger lies: The majority of investors today have only experienced a secular bull market, such as the one from 1982 - 2000. Most of us have not experienced a long term secular bear market where the primary trend is mostly sideways to slightly down. The last secular bear market lasted 16 years from 1966 to 1982. Just to give you some perspective, the Dow Jones hit a high near 1000 in 1966, and hit a low in the 800s during 1982. In other words, the Dow essentially was flat for 16 years. During this time, the 'easy money' was not made on the long or short side, but by being being a good stock picker identifying undervalued opportunities, special situation stocks, and sectors that are temporarily strong. Understanding whether we are in a cyclical bull or bear market greatly enhances our chances for success.
The problem is that the secular bull market that began in 1982 ended in 2000. Therefore, while the stock brokers advice to hold for the long term was good advice for a secular bull market, it is totally the wrong strategy for a new secular bear market. The market entered into a new secular bear market in 2000, and as history shows, this new secular bear market will probably last at least until 2010 or longer. The market rally from early 2003 until now is simply a cyclical bull market within the new long term secular bear market. Holding for the long term will not work in this new secular bear market.
Let's look at each secular bull and bear market of the Dow over the last 100 years. As you can see, except for the secular bull market of 1921 - 1929, secular market cycles last on average 16 to 20 years.
- Secular Bull Market, 1982 - 2000, (18 years)
- Secular Bear Market, 1966 - 1982, (16 years)
- Secular Bull Market, 1949 - 1966, (17 years)
- Secular Bear Market, 1929 - 1949, (20 years)
- Secular Bull Market, 1921 - 1929, (8 years)
- Secular Bear Market, 1905 - 1921, (16 years)
Secular Bull Market, 1982 - 2000 (18 years)
Let's work backwards, beginning with the last secular bull market, which lasted from 1982 - 2000. The Dow increased over 10 fold from a low of about 800 to a high in the 11,000s. The strong primary trend was up and the best way to make money was to be long in your positions. Only the nimble were able to take advantage of the few cyclical bear markets that occurred in 1987, 1991, and 1998. These pull backs were also opportunities to establish new long positions.
Secular Bear Market, 1966 - 1982 (16 years)
Prior to the last secular bull market, the market was in a long term secular bear market which lasted from 1966 to 1982. During this time, the market essentially went sideways for 16 years. For example, the Dow hit a high of about 1000 in 1966, and low in the 800s in 1982. If you would have followed your brokers advice to 'hold for the long term' you would have been greatly disappointed. Sixteen years is a long time to receive next to nothing in return on your money.
If you could use a time machine and jump forward 10 years from now, I think this how a chart of the Dow or NASDAQ might look. Both traders and investors will need to do their homework, seeking sectors and stocks that present great value opportunities.
Secular Bull Market, 1949 - 1966 (17 years)
The Dow was in a secular bull market from 1949 - 1966. Here the primary trend was up, which is typical for secular bull markets. The easy money was made by primarily remaining long throughout the cycle.
Secular Bear Market, 1929 - 1949 (20 years)
From 1929 until 1949, the Dow was in the famous secular bear market which also defined the Great Depression. After the nightmare crash from 1929 to 1932, the Dow essentially went sideways to slightly up for the next 17 years, but did not reach its old highs near 375 until the early 1950s. However, there were cyclical bull and bear markets during this long term secular bear market.
The Dow experienced the mother of all crashed from 1929 until 1932. Then from 1932 until 1937, the Dow nearly quadrupled from a low of about 50 to 200. Then from 1937 to 1942 the DOW lost about half of its value from near 200 to about 100 (cyclical bear). Then from 1942 to 1949 the DOW recovered (cyclical bull).
Secular Bull Market, 1921 - 1929 (8 years)
From 1921 until 1929, the Dow was in a strong secular bull market. Actually, from a chart perspective this period was very similar to the more recent 1982 to 2000 secular bull market. The primary trend was up, and the easy money was made by buying and holding for the long term.
Secular Bull Market, 1905 - 1921 (16 years)
The Dow was in a secular bear market from 1905 until 1921. This secular bear market was typical of most secular bear markets, such as the one from 1966 - 1982, composed of mostly vicious cyclical bull and bear markets that result in a mostly sideways long term movement.
Hopefully, you realize it is very important to know the market's primary secular and cyclical trend. During secular bull markets, the easy money is make by staying long. However, during secular bear markets, staying long produces poor results at best and you could lose a lot of money. Stock picking and following the hot sectors is important for success.
Conclusion
Trading and investing is much easier in secular bull markets, and much more difficult during secular bear markets. Since we are in a secular bear market for the next 5 to 10 years, it is going to be much more difficult to be successful in your trading and investing.
Currently, the cyclical bull market that begin in early 2003 is close to being over and a new cyclical bear market will begun that will last another 2 to 3 years. This means that the best plays will be on the bearish side for the next couple years, that is, until the next cyclical bull begins.
How to use Software for the first time?
When you have a lot of books to manage at home or at your work, you need help - and you know it. Though you may have been able to keep your inventory under control up to this point, using library management software will make your life much easier. In fact, you might not know how you got along without this software once you understand how it is used, how it can help, and how it can grow with your needs. If you're using library management software for the first time, here are some tips to make sure that you're getting all that you can out of this program and its offerings.
Read the Instructions
The first thing you will want to do when you are trying out library management software is to read the instructions. While many people think they can manage the system, in order to make the most of any computer program, you need to fully understand all of the functions. Whether the software comes with a booklet or a training tool, you need to make sure that you are using and reading all of these resources first. This will help you to be more efficient when you are first setting up the program, using the features as well as possible. Instead of waiting until later to figure things out, you can fully utilize the system right from the start.
Use the Software Help Features
The help features on any software program are often ignored until there actually is a problem. While this does make sense, it never hurts to begin to use the help features now. In this way, you will be able to see what the possible problems might be and how to fix them or how to avoid them. While most library management software programs are free from major errors, seeing the help question will allow you to understand what you need to do to avoid problems or what you need to remember for the future.
Call Up Customer Service
Whenever you have a question when setting up the library management software, you need to call customer service. They are there to help you learn more about your program and to get the most of it. Ideally, you should talk to them regularly not only in the beginning, but whenever you have a question. Since a person is often far more helpful when it comes to questions that you have, you should talk to someone when you are using your library management software for the first time.
Though you might already be proficient when it comes to computers, new systems tend to mean new problems for you. Instead of worrying about how you will manage your new tools, you can make sure that you are preparing yourself as best you can right from the start. The best way to handle problems is to avoid them completely, which is exactly what you can do when you follow this advice.
Selasa, 13 April 2010
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Rabu, 07 April 2010
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Senin, 05 April 2010
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Minggu, 04 April 2010
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How to use stiletto heels perfect ly
in the world of high heel shoes, one term stands out as the definition of fashion. This term referrers to an extreme style of a high heel shoe known as the stiletto. Stilettos are generally high heels taken to the extreme, raising the heel almost 6 inches above the ball of the foot. These shoes are considered to epitome of formal footwear for women and are highly fashionable and sought after. However, stilettos are also generally highly uncomfortable to wear and also cause foot problems if not worn correctly. In this article, we will look at stilettos and how to wear and get comfortable with them.
Stilettos in this day are generally designed to make women look even more feminine. They have exceptionally small and elevated heels. This makes the legs look longer and thinner than they actually are. High heels also give women a thinner and more feminine look. However stiletto heels also concentrate immense pressure on certain parts of the foot and can lead to pain and even chronic foot problems if not kept in check. In order to properly wear and adjust to high heel stilettos, you may want to try these things to help your foot adjust to the pressure points brought on by stiletto heels.
First of all, do not think that doing these things will let you walk comfortably in stilettos all day long. You should still be aware that stilettos should be worn on only special occasions that warrant them. Most of the time, it is advised that you wear regular shoes to protect your feet.
For starters, if you know you are going to be in motion while wearing high heels (like dancing), you should practice standing in them to get the correct posture. Experience in standing in stilettos will help ease some of the pain and discomfort while you are moving in them. You can also discover ways to help lessen the pressure on some points of your feet. While wearing a high heel stiletto shoe, you should never walk for extended periods of time on carpet. Your high heel shoes will generally destroy or erode the carpet after extended walking and the carpet can catch you and throw you off balance, resulting in a potential fall.
After you've mastered standing in such shoes, practice walking in them in different conditions. Start with just a flat floor first and then try steps or a slightly elevated incline. Start off with stiletto heels that are slightly lower in height and gradually move up to the height you want to be at. Stepping from side-to-side in stilettos is a great practice for dancing in them. The key is to practice a lot in your stiletto heels before a night out with them. The more practice you get in your stiletto shoes, the better off you will be when the occasion comes where you actually need to wear them.
Cheap Car Insurance - 7 Tips To Reduce Your Car Insurance Costs
With the cost of car insurance becoming more and more of an issue for the average American family, there are increasing numbers of people looking for cheap car insurance. But although it is possible to find cheap car insurance, the question remains, is it worth buying?
Everyone knows that car insurance companies are not all equal. Cheap car insurance is wonderful when paying the bill, but make a mistake on the company you select and you could find that the cheap car insurance policy that you found may turn into a nightmare. Cheap car insurance may not turn out to be so attractive when making a claim.
So if you have found a discount car insurance broker don't just take the cheapest quote that you get. You need to find out a little about the insurance company that is offering the cheap car insurance rates.
And there's ways to reduce the cost of your car insurance even with the best of companies. Here are some tips for those looking for cheap car insurance to help reduce the cost of car insurance without compromising other things.
7 Cheap Car Insurance Tips
1. Look at your deductible amount. This is the amount that you pay first out of any claim. The cost of your policy is directly related to this amount. Many people, particularly those who have had their insurance policy for a long time, have never considered whether they ought to vary their deductible. If you have a good driving record and are prepared to increase the risk of paying a larger amount in the event of a (hopefully unlikely) claim you can save money by increasing your deductible.
2. Have a look at the type of car you drive. Certain types of cars attract higher car insurance rates. Cars such as sports cars and also certain makes and models that are prime theft candidates cost more to insure. If you are buying a car then find out which makes and models these are before you buy.
3. Drive carefully. Although it sounds a little trite to say it, your car insurance cost is a factor of your risk profile. You won't get cheap car insurance if you have had 3 speeding fines and 2 accidents in the last year. These things are all taken into account and you should take care with how you drive. It all adds up onto your bill. There are big safe driver discounts available.
4. Considering installing safety and anti theft devices in your car. Again these affect your risk profile. If you have a car that is safer and less at risk of theft it should be cheaper to insure. And if you have a car with certain safety devices now check that your insurance company is aware of these, if not tell them.
5. Look at your policy when it comes to renewal time, don't just pay. There are some things that you can vary in your policy that will affect the cost. Often there are some things there which duplicate other insurance that you may have that can be eliminated. Be critical, look carefully and ask questions about all these before you renew your policy.
6. Have a look at who your other insurers are. Many insurers offer a discount for multiple policies. If you insure your house with a certain company then ring them up and find out if they do car insurance. Get a quote from them. Find out what discounts they offer.
7. Find a good online discount car insurance broker before renewing. The internet is a fabulous resource. Use it. There are all sorts of discount insurance brokers online where you can get fast quotes from a wide range of companies. Don't just settle for the same company you always use. Car insurance rates vary all the time. Always get comparable quotes before renewing any policy.
So if you're in the market for cheap car insurance there's some ideas for you. Don't just accept that car insurance is always prohibitively expensive, get out there and do something about it.
LIPOSUCTION
Liposuction is getting mainstream with more and more people looking for a faster and more efficient way to lose their body fats. This type of liposuction can work on various areas including legs, calf, face, neck, tummy etc. With such diverse areas that a patient can choose to lose their fats from, the only thing holding back people is the price. Liposuction prices are not cheap by any means. Below is a rough pricing guide for those looking to know what kind of prices they need to pay for their liposuction operations.
The mean price in the country is around USD5,700 according to a site called realself.com. This price is not consistent across the different states and cities. You might see a liposuction costing USD10,000 in Florida and the same operation costing only USD4,000 in Santa Monica. This wide difference is why you should do more pricing research at the state and city level. Don't just look around the surgeons in your city as you might miss out some really and affordable liposuction services in other places.
In general, pricing is more expensive in the Wester and Easter cost. This might be due to the higher living costs compared to the smaller communities that are based in the middle parts. If you are living on the more expensive areas, you might want to calculate whether it is worth it to travel to the smaller cities to have your operation after taking into account the travel expenses.
I hope you find this pricing guide useful to your buying decision.
The mean price in the country is around USD5,700 according to a site called realself.com. This price is not consistent across the different states and cities. You might see a liposuction costing USD10,000 in Florida and the same operation costing only USD4,000 in Santa Monica. This wide difference is why you should do more pricing research at the state and city level. Don't just look around the surgeons in your city as you might miss out some really and affordable liposuction services in other places.
In general, pricing is more expensive in the Wester and Easter cost. This might be due to the higher living costs compared to the smaller communities that are based in the middle parts. If you are living on the more expensive areas, you might want to calculate whether it is worth it to travel to the smaller cities to have your operation after taking into account the travel expenses.
I hope you find this pricing guide useful to your buying decision.
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