Are You Thinking About Investing Internally In Stocks?

One of the big challenges an investor faces on a daily basis is market risk.

Working hard to satisfy your investment goals while at the same time limiting your risk and exposure to volatility takes a solid strategy, reliable information, and a patience like no other.

Sure, we've all heard stories of the home run hiring investor who laid his money down and made a "killing" in a stock.

These are the kinds of tales that grab the headlines and attract the interest of the "fast buck players."

"Steady as she goes" would be a more realistic view of how to invest. It is difficult to just wait for an investment to climb in value, but without patience and the fortitude to keep a long-term mindset, you're probably going to miss out on a solid move.

Using what could be called a butterfly approach and jumping from one hot stock tip to another can be the riskiest investment play of all.

Being patient is not enough though. If what you are investing in is oozing with risk, patience may not be the key to success. You devote your patience to solid investments and those with limited risk.

If you are an investor or contemplating investing in the various financial markets and instruments available, you must get into the flow of information.

Catching a thirty second or two minute report stating a company making an innovative new product that is going to revolutionize the industry should not be considered a call to action.

If you do not understand what you're being told to invest in … do not invest. Not having an understanding of what your money is invested in is comparable to sitting down at a high-stakes poker game without understanding the marks on the cards.

If you do not have basic investment knowledge to guide your decisions, your chances of making the right choices are limited.

It's simple; have a basic knowledge of how the markets work; have an understanding of what it is that you are interested in investing your money in; and most importantly, understand the upside and downside scenarios, in other words, what are the risks and more specifically the risk of losing your entire investment.

If you feel that the risk of putting all your investment dollars in the stock markets in the US is too great, perhaps diversifying into stocks from other countries is worth examining.

The mindset for many is that if the stock markets at home are suffering, there may be markets abroad that offer opportunity, because bad economic news on one front may be great news in another part of the world.

A quick example of such news would be the trade figures. If the US is witnessing a rise in imports month after month, you have to ask yourself; where are we importing from and what are we importing?

This could have the clue to invest in a company that consistently exports to the United States and the amount of its exports (in dollars) keeps rising.

On a more basic level; If a football team is having a terrible season, there is probably a team that is having a great season.

Think of it as; when two teams compete someone wins and in world economies, someone's bad economic news typically translates to someone else's fortune.

When you read a headline or story about some bad economic figures … ask yourself, "Who is on the other side of this?"

Who did well that directed in the US doing poorly? If the US did great, who suffered? Is this a trend? Is the company or industry showing real value in their stock price now?

Could this be just a fluke and there's a buying opportunity?

It pays to look past the headline and the story and into what made the story. Everybody hears news, but going the extra step and finding out what caused the news will give you better market insight.

If you think that you want to diversify in the international markets, you have to take into consideration what you stand to gain versus what you could possibly lose.

Currency fluctuation can boost a return on an investment. If the currency of a country you invest in increases against the dollar, when it comes time to sell, you'll get more dollars.

However, that can also work against you; the dollar increases against the currency of the country of the company you have invested in … and you'll get back fewer dollars.

Obviously, you want your stock to rise and a sweetener is getting a dividend (if it pays one) in the meanime. Keep in mind, markets rise and fall and companies announce separation suspensions, eliminations, or reductions.

This can happen in any of the world markets, not just at home.

Before you get too excited about international investment, you should understand that the US is not the only country where interest rates rise and fall.

The currency issue I mentioned, but worth mentioning again, currency fluctuations can hurt you.

In the US, you are fortunately because companies that list on the exchanges have to reveal a lot of information about themselves before they can be listed.

The rules are not the same all over the world, so investigate on your own, rather than trusting only what is offered to the public.

This would be of particular interest when it comes to the accounting methods of the companies and how they compute corporate and individual investor taxes.

Committing a portion of your investment dollars can be exciting and rewarding, but if you are not a savvy investor with a deep understanding of world markets, currency exchanges, tax laws, accounting, and company reporting practices, your personal investment risk will be very high .

I always suggest seeking professional advice when making any investment, be it; financial instruments, real estate, precious metals, or any of the other opportunities offered.

Take note, if you want to invest internationally there are alternatives to going directly to a foreign market and opening an account.

You may wish to investigate the various international mutual fund offerings, foreign companies that list directly on the US exchanges, or those that are offered through what are called American Depository Receipts.

The foreign markets always look inviting when our markets at home are showing some volatility, but with so many sectors in the US markets to choose from, it's not always smart to jump the fence into the yard with the grass that looks greener.

The more knowledgeable you are about investing, the better investor you will become. Multiple resources will provide varied opinions.

What one analyst loves, another analyst may dislike. Do your own research and do a lot of it, before jumping into the stock market because someone told you it's the thing to do.

"There are only two ways that you make money; you work and your money works … make your money sweat." -Lazz Laszlo

Electricity – Ground Fault or Arc Fault

If you were asked, "Who discovered electricity?" What would be your answer? I'm almost positive (a little electric humor) that Benjamin Franklin and his kite flying tale comes to your mind. It was not electricity that Ben discovered in 1752. It was the lightning rod. In 1800, Alessandro Volta manufactured the first battery capable to deliver a constant electric current. It was Volta, not Franklin, to discover electricity.

Many of the ways we use and deliver electricity today are still the same as in the days of Franklin and Volta. Differences in electrical potential between materials cause current to flow between them. Charges can be produced by rubbing fur or cloth over a non metallic surface. Metal wires are used to transmit electrons over long distances; but one property stands out the most. Electricity can kill!

Today, we have developed many ways to protect ourselves from the harmful effects of exposure to electric current. We use circuit breakers, surge protectors, arch fault, ground fault, and equipment grounding to safely control the flow of electrons from one place to another. Two of these safely systems generate a lot of questions. What is the difference between ground fault and arc fault?

Ground fault circuit interrupt (GFCI) protection has been around for a few decades. It is most commonly seen in areas where water is present. For instance, in modern homes, you will find GFCI protection in the kitchen near the sink, in the bathroom near the water sources, in garages, and any receptacles outside of your home. This type of protection guards against injury by monitoring how much current is flowing through it. If the GFCI detects a difference between the amounts of current leaving as opposed to returning, it shuts off. The missing current has to be going somewhere other than its intended destination. It's going to ground. A horrible place if you happened to be in the middle of the current as it's headed to ground.

Arc fault circuit interrupt (AFCI) protection has only been available to consumers for a few years. Like its parent GFCI, AFCI is designed to detect when electricity is not traveling to its intended destination. Unlike GFCI, AFCI is not protecting against the loss of current to ground. It is guarding against a broken conductor. These broken conductors are the primary cause of home fires in America today.

Primarily, AFCI is required in bedrooms. Bedrooms are notorious for having corded appliances, such as computers, alarm clocks, and desk or floor lamps in them. Many times the cords of these appliances are routed under beds, dressers, or carpets. This is not as safe as it looks. Cords are often cut by the items placed on them. Once severed, the broken conductor will arc. This arcing will continue until the metal is burned through or a circuit breaker trips. Often, the time between the initial cutting of the conductor and the tripping of the breaker is not quick enough and a fire breaks out. AFCI was designed to detect the initial arc caused by the severed conductor and immediately turn the power off.

In conclusion, electricity is the flow of electrons between items with differenting potential. If not properly controlled, this difference can have horrible repercussions, when people or property is in the way. Modern industry has taken great measures to protect us while using one of the most fundamental properties of nature – electricity.

All About Beijing Duck

OK so you've climbed the Great Wall, wandered through the Forbidden City, taken photos in the Temple of Heaven, walked through the gardens of the Summer Palace and completely ignored Wangfujin street. Now it is time for you to eat Beijing's most classic dish, the Beijing Duck.

Beijing Duck is famous, has a distinguished history, an exquisite taste and is a culinary icon SO before partaking in this mouth watering dish, pause your chopsticks and first develop a well deserved appreciation of the delicacy you are about to feast on.

History

The origin of roasted duck can be traced back to Northern and Southern Dynasties period (420-589) when these hapless birds where roasted in the Jinling area where modern day Nanjing is located. The Yuan Dynasty (1206-1368) were gourmets and took the custom of roast duck with them when they packed their bags and set up house in Beijing.

The Inspector of the Imperial kitchen (what a job!) Hu Sihui listed roast duck among the imperial dishes in the "Complete Recipes for Dishes and Beverages" that he wrote in 1330. This early cookbook even included the cooking process.

Up until the Qing Dynasty (1644-1911) ducks were roasted in a conventional convection oven where the duck was hung from the oven ceiling and roasted over burning wood. Duck cooked this was said to be crisp and golden brown with tender and tasty meat. After the Qing came to power they changed the method of duck cooking to hanging the ducks over a flame in an open oven. These two traditional methods of cooking duck are the foundations of the two modern methods of cooking Beijing Duck.

Roast duck was so popular during this period that poets and schools where inspired to roast duck poetry. Personally I think the large quantities of alcohol consumed with the duck were the main inspiration for these wasted poems and bookworms.

Peking duck as it was first called b foreigners taste so good, it is credited with being instrumental in the rapprochement between China and the US in the 70's. All because Henry Kissinger and Richard Nixon kept returning to China for more duck. Just imagine how different history would be if the Havana Cigar had the same effect on US politicians!

In summary, that juicy piece of duck you are about to eat has a royal history of over 1500 years. Chew on that!

How to eat Beijing Duck

Your Beijing Duck will be served with steamed pancakes, sweet bean or plum sauce, cucumber and spring onions.

Place one pancake on the palm of your hand, dip a slice of duck meat in the sauce then place the meat on the pancake, add several pieces of cucumber and spring onion, wrap up the pancake, close your eyes and bite. Control yourself, chew slowly and savor this ancient delicacy.

How to cook

First you need to prepare the ingredients. Here is a list of all the ingredients.

Ingredients

2.0 to 2.5 kilogram of duck

8 liters of water

1 slice of ginger

1 Spring onion

50ml of honey

20ml of white vinegar

20ml of cooking sherry

25ml of corn starch dissolved in 50ml of water

Spring affairs for garnish

Directions

1. Clean duck then wipe it dry and tie a string around its neck.

2. Hang the duck in cool and ideally windy place 4 hours.

3. Fill a large wok with water then bring to boil. Add ginger, spring onion, honey, vinegar, and sherry. Bring to boil again and pour in the dissolved cornstarch. Stir constantly during this step.

4. Place the hung duck in large strainer over a larger bowl then scoop the boiling mixture over the entire duck for about 10 minutes.

5. Hang the duck up again in cool, windy place for 6 hours until it is thoroughly dry.

6. Place the duck breast side up on a greased rack in an oven preheated to 350 degrees.

7- Place a pan filled with 6 centimeters of water in bottom of oven to collect the drippings then roast 30 minutes.

8- Turn duck and roast for 30 more minutes.

9. Turn breast side up again and roast for 10 more minutes.

10. Use a sharp knife to cut off the crispy skin then immediately serve meat and skin on a warm dish

11 Eat and enjoy.

A Holiday in Turkey – Is it the New Spain?

Some four hundred thousand Brits now own holiday homes abroad, Spain has been the most popular of destinations over the past twenty years; it has however become very expensive and more than a little over developed in recent years.

As a consequence many have begun to look elsewhere for their ´place in the sun´. Turkey has seen a huge rise in interest both as a holiday destination and a place to invest in property, people who were astute enough to recognize it as a potential ´hotspot´ as little as eight years ago could have seen their property increase in value by as much as 500% in that time; and whilst Turkey too has seen a decline in demand during 2009, property values have not dropped in the more desirable Mediterranean resorts, (one such resort being Kalkan) to the degree they have in the likes of Spain.

The possibility of Turkey´s acceptance to the European Union has also fuelled speculation in the property market there, whether they will ever achieve acceptance (or indeed actually want to) is yet to be seen. This is the account of how I became one of those ´Brits abroad´: -

I first went to Turkey, rather reluctantly, I might add, on holiday in 2000, and was very pleasantly surprised at how green the country was, I had expected to find a dusty arid country, how wrong I was! I was also very pleasantly surprised at how warm and welcoming the Turkish people were; having holidayed in Greece for some years I had always believed the Greeks would be difficult to beat in their hospitality, the Turks did just that.

My wife and I returned some five years later, having booked a holiday in a very swish hotel on the Dalyan delta, we were disappointed six weeks before being due to depart, to be told by the holiday company that we could not go there as the hotel was having work done and that they, the holiday company, would not allow their guests to have what was not the perfect holiday experience. They told us to choose something else from the brochure and regardless of cost they would honour the price we had paid and even refund us if there was a difference. My wife had seen Kalkan but dismissed it due to the transfer time from the airport feeling that it would be too long, however, given the situation we decided that we would endure the two hour transfer (it turned out to be one and a half). We chose a villa holiday instead of a hotel and hit the jackpot!

Kalkan, we decided very quickly was an idyllic place to holiday and whilst walking down one of the narrow cobbled streets one evening to enjoy a pre-dinner drink stopped to look in an estate agents window (as I´m sure many of you have), before I knew it we were making an appointment with the agent to view some properties the following evening. Meeting that particular agent was yet another amazing stroke of luck, he was a charming intelligent man who´s English was impeccable.

The following evening arrived and I have to say that I personally was not too enthusiastic, as I believed that I was wasting valuable time, I never actually expected to be buying a house. The agent who we learned was called Kemal met us at the appointed time and took us to view the first property, which he had chosen as a possibility. It was an imposing four bedroom detached property with magnificent sea views and a swimming pool; it was newly built and was being marketed at £140,000. It was without doubt a lot of house for the money, however, there was an apartment block right along side it with twelve balconies all of which looked over the swimming pool, a serious privacy issue which immediately ruled that one out.

As we drove away from that villa Kemal asked, “what are you looking for, do you want detached?” I rather facetiously said ´of course´ (remember I had little or no intention of buying) “do you want a swimming pool?” ´ Well obviously!´ He then took us to another newly built in fact not completely finished villa, at what point my attitude changed I cannot actually say, I just knew it was going to happen! This villa again was a four bedroom detached with pool and panoramic views over the bay and astonishingly £15,000 cheaper! We left Kemal that evening feeling like excited school children, a couple of days later and a couple of telephone calls back to the UK to our bank manager and we were signing on the dotted line!

From thereon Kemal did everything we gave him power of attorney (not an easy decision to make with someone you have only just met) and he completed the deal, we became the proud owners of our own piece of paradise seven months later. The piece of paradise is called Villa Katmar, a vaguely Turkish sounding word? No just a combination of parts of our names.

Becoming a property owner in Turkey for us was a very easy and stress free experience, however, a WORD OF WARNING, not everyone we know had such an easy transition into becoming a Turkish villa owner! As in any country it depends very much on the people you deal with and applying a little common sense! I have to say we were very fortunate to have had that almost accidental meeting with Kemal; it could have been a very different tale had we done ´business´ with someone else.

If you are contemplating buying in Turkey then I would urge you to consider Kalkan and if you do then again I would have no hesitation in recommending Kemal Safyurek of Mavi Estates.