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

Helping Your ADD/HD Child

A number of factors need to be considered when you are told that your child is ADD/HD. The first thing you want to do is to understand all you can about ADD/HD. You also want to sit down and list what it means for your child, as a unique individual being, to be ADD/HD. Remember that this diagnosis is observational in nature.

If your child is ADD/HD, then your child was born ADD/HD. What has happened that has made it need to be labeled now? What were the stops along way that led from high energy, curious, creative and bright to disabled? Start a journal about your child, ask for observations, especially from the people who are around your child when you are not.

Ask yourself and other key people in your child’s life questions like: Are there times of day, days of the weeks, or certain situations which seem to trigger the child? Keep a food log and keep track as much as possible of what your child is eating. Are their certain foods that cause spikes and crashes? Or certain foods that lead to acting out or melting down? How about certain situations or people? Did the child have a year at school, or experience at camp where their behavior seemed to go to unmanageable? Were there major shifts in your child’s world such as living situations, acquiring or loss of a close friend or family member?

Talk with your child and have them tell you as much about their days as possible and compare it with what other people experienced of them that day. See where they may be making incorrect assumptions or did not understand the larger picture of what was going on in a certain situation.

Keep in mind that all very bright children have a great deal going on in their head and are impatient to learn, to understand, and will disconnect when bored.

If teachers or other people are strongly pushing the idea that your child is ADD/HD, ask them to be as specific as possible as to why. In order to gain a better understanding of what is going on, enlist them in getting the answers to the questions you are keeping track of. Also, ask what they think the solutions are if your child is ADD/HD. If they want to move to a drug based solution, make sure you are clear if there are benefits for them to have your child drugged and easier to manage.

Maybe your child is gifted with ADD/HD, so what you want to stay clear on is: When did that gift become an unmanageable problem, and will medication solve problems or mask them? First, remember that many factors are going on in your child’s life which could lead to a request for an official diagnosis and a recommendation of medication, and that in medicating, those factors will easily get lost because the medication seems to solve all the problems.

As you draw the picture of your child and your child’s relationship with an ADD/HD diagnosis, start shifting things and see how they shift the issues. Begin with diet, then look at what shifts can be made in the environment. Would smaller classrooms, more interactive educational methods and more challenging curriculum keep your child more focused and moving at a faster, more engaged pace that would both better serve your child’s learning, growth, and development, as well as, eliminate request for labeling or medication?

Keep the following things in mind if a diagnosis of ADD/HD is in the air:

Issues may be caused or exacerbated by diet, environmental, emotional, mental, even undetected physiological factors.

Second, if medicating, what are the short and long term side effects to the mental, emotional and physical well being of your child? Will this label serve them or hold them back?

Third, is the child being held responsible for situations where the failure is not theirs? Is their “failure” on account of an educational system that doesn’t know how to work with these children? Are teachers or other education or care providers ill equipped to provide what your child needs to fly and to flourish? I want to make it clear when I say “ill equipped,” it could be that the primary adults involved are ill suited, or that the situation which they are forced to function is incapable of providing the needed environment. But what I also want to make very clear here is that if we are medicating your child, or any child, because of the failure to properly provide the teachers, the classrooms, the resources needed, and that if they were all in place that a child would not have to be medicated, then medicating is morally reprehensible and we must examine our priorities in this country.

Or is the need to medicate them because we do not offer the support, education and resources to the family unit? Are we medicating them because the family can not or does not know what a bad diet is, or how to give these children the support they need? Or because the information is controlled by groups, institutions, and business who do not have the best interest of your child at hand? Do parents make the choice to medicate their child because of the one sided information that they are given, or are they coerced or manipulated into feeling that this is the only course of acting when in fact it is not? Is it made too easy in this chaotic, sped up, crazy world to convince yourself (to be convinced) that the quick fix is the right one. In other words, that a happy meal and pill is good parenting,

Lastly, dig past the top layer of information if you really want to know. Plenty of information is available on the internet. What you will often come across first is the controlled information. There are number of studies and evidence that on the surface support ADD/HD as a disability diagnosis and say that medication is the primary option. Large non-profit groups who serve this issue that are underwritten by the drug companies that manufacture it. But when you dig deeper, the evidence is not so clear or conclusive. The parts of the studies that question medicating as a viable option are often left out. We hear about the brain scans, but we only hear half a story. We don’t hear at all about the studies that have discovered alarming concerns about medicating these children because they are buried by the information provided by supporters of the pharmaceutical companies, and you have to dig deeper to find them.

Along the way you will also find any number of all natural one stop shopping wonders that claim to cure ADD/HD, and you should be just as wary of them. You need to have a whole child understanding, create whole child solutions and make sure that they represent the unique child that is yours. No quick fixes, no one size fits all approaches. And if everything I’ve said so far hasn’t made your head spin fast enough, I don’t see AD/HD as a disability, something one needs to get cured from or outgrow. It is part of an evolutionary process. These children and adults have a diff-ability, not a disability, they learn and process differently, they are not less able. In fact, they are often more able when they are set up to succeed, and not fail.

The question is: how do you want to best support your child? To fit in – or to be who they are, and be all they can be?

Planning the Perfect Hawaiian Honeymoon

Whether you're getting married in Hawaii or just planning your honeymoon there, you definitely want to speak with some of the locals about the activities there. They will give you a different perspective about things to do and where to stay. You can also plan a wedding and honeymoon in Hawaii and have some of your wedding vendors help you with your honeymoon plans.

Because of the abundant splendor in Hawaii, your honeymoon will be filled with moonlit walks on the beach, drinks at sunset, and romance in the air. Few places can bring romance to your honeymoon the way that Hawaii can and you deserve it.

This is outside of the fact that Hawaii is native to many different kinds of tropical flowers, adding to the perfume of the air that comes so naturally. There is little to compare to the fragrance of tropical Hawaiian flowers in the air while snuggling with a loved one on the beach. Make sure you pick the right island for you Hawaiian honeymoon so you've always wanted. Do your research ahead of time and then talk with your local travel specialist so you can have the perfect honeymoon in Hawaii.

You can choose between any of the various vacationing spots in Hawaii, but it is often recommended to do one destination for a couple of days and then hop on over to another island to finish out your Hawaiian honeymoon.

Do not worry if you've been to Hawaii several times and you're not sure that you wan to honeymoon in Hawaii because it will not be special. All the circumstances have changed since you were there and it will be different with your new spouse in a tropical paradise. Plan on visiting several local sites, not just those for tourists, so you can experience Hawaii on honeymoon. Live like the locals for a few days and learn why so many people are attracted to Hawaii in the first place. Make sure your transportation is arranged ahead of time so you do not overspend on tour buses to take you places. Then you can explore the island on your own as well.

If you are thinking about the perfect Hawaiian honeymoon, keep thinking. There are so many things to choose from when it comes to planning a honeymoon of this sort, but there is nothing more romantic than a Hawaiian honeymoon. It screams tradition and is the perfect follow-up to a traditional American wedding.

Out of Home Advertising Spotlight – Truckside Advertising

Truckside advertising campaigns are used to broaden the reach of a national, regional or local campaign. They add variety, frequency and value to a broadcast campaign or can stand alone as very efficient campaigns.

For those trying to "go green," truckside advertising is a great, though often overlooked, alternative to mobile billboards. Truckside ads are posted on working trucks that will be out regardless, while mobile billboards are on trucks that operate solely for advertising purposes.

Benefits of the Medium –

Truckside advertising can be used as a broad branding medium or as a target-specific medium (such as retail trading zone areas). If advertisers want to add a bit more to their truckside campaign, event promotional options can make great additions.

Truckside advertising is not bound to any demographic market or geographic location, so the reach is endless. This mobility allows for coverage where other types of OOH may not be available.

Truckside also provides the option of a national mass reach campaign, known as "Over the Road". This flexibility in campaign execution makes truckside advertising appealing to both large national companies and smaller companies alike.

Many national advertisers learned on the concept years ago when trying to get their brands in front of consumers in a timely, efficient manner. Truckside easily accomplishes that task because of mobility – an advertiser's message can travel from New York to Los Angeles on one media vehicle. Plus, posting full-color graphics to trailers allows for greater impact.

How It is Purchased –

* An advertiser can buy General Market GRP showing levels.

* An advertiser can purchase dedicated routes to reach specific demographic targets or geographic areas. These smaller routers make it an efficient medium for local and regional companies.

* "Over the Road" advertising can be used as a mass medium to reach markets across the US by purchasing a campaign along Interstate routes. It can also be used for regional coverage.

Markets Available –

Market availability is unlimited. About 95% of the US population can be reached using truckside advertising .

How it is Measured & New Technology –

Tracking systems (such as GPS) have been available for a number of years. However, new companies have emerged that measure audience circulation, impressions during a certain period, and other types of campaign auditing. Some fleet media companies offer online Internet systems allowing advertisers to pinpoint the location of their mobile fleet ads in real time. Some services can also provide data that can be interfaced with other databases to produce demographics by route, fleet or time of day.

SAMI (Satellite Automated Media Information) web-based technology, for instance, addresses the needs of agencies and advertisers by providing credibility through audience measurement and tracking. It allows advertisers to schedule, track, sell and audit their truckside advertising campaigns. Proof-of-performance reporting is available next day, including maps and digital photos. One company currently offering SAMI technology is Moving Images Media, with truckside advertising available everywhere in the US