March 2009
Monthly Archive
The Realities Of Market Timing
Market timing systems are based on patterns of activity in the past. Every system that you are likely to hear about works well when it is applied to historical data. If it didn’t work historically, you would never hear about it. But patterns change, and the future is always the great unknown.
A system developed for the market patterns of the 1970s, which included a major bear market that lasted two years, would have saved investors from a big decline. But that wasn’t what you needed in the 1980s, which were characterized by a long bull market. And a system developed to be ideal in the 1980s would not have done well if it was back-tested in the 1970s. So far in the 1990s, any defensive strategy at all has been more likely to hurt investors than help them.
If your emotional security depends on understanding what’s happening with your investments at any given time, market timing will be tough. The performance and direction of market timing will often defy your best efforts to understand them. And they’ll defy common sense. Without timing, the movements of the market may seem possible to understand. Every day, innumerable explanations of every blip are published and broadcast on television, radio, in magazines and newspapers and on the Internet. Economic and market trends often persist, and thus they seem at least slightly rational. But all that changes when you begin timing your investments.
Unless you developed your timing models yourself and you understand them intimately, or unless you are the one crunching the numbers every day, you won’t know how those systems actually work. You’ll be asking yourself to buy and sell on faith. And the cause of your short-term results may remain a mystery, because timing performance depends on how your models interact with the patterns of the market. Your results from year to year, quarter to quarter and month to month may seem random.
Most of us are in the habit of thinking that whatever has just happened will continue happening. But with market timing, that just isn’t so. Performance in the immediate future will not be influenced a bit by that of the immediate past. That means you will never know what to expect next. To put yourself through a *timing simulator* on this point, imagine you know all the monthly returns of a particular strategy over a 20-year period in which the strategy was successful.
Many of those monthly returns, of course, will be positive, and a significant number will represent losses. Now imagine that you write each return on a card, put all the cards in a hat and start drawing the cards at random. And imagine that you start with a pile of poker chips. Whenever you draw a positive return, you receive more chips. But when your return is negative, you have to give up some of your chips to *the bank* in this game. If the first half-dozen cards you draw are all positive, you’ll feel pretty confident. And you’ll expect the good times to continue. But if you suddenly draw a card representing a loss, your euphoria could vanish quickly.
And if the very first card you draw is a significant loss and you have to give up some of your chips, you’ll probably start wondering how much you really want to play this game. And even though your brain knows that the drawing is all random, if you draw two negative cards in a row and see your pile of chips disappearing, you may start to feel as if you’re on *a negative roll* and you may start to believe that the next quarter will be like the last one. Yet the next card you draw won’t be predictable at all. It’s easy to see all this when you’re just playing a game with poker chips. But it’s harder in real life.
For example, in the fourth quarter of 2002, our Nasdaq portfolio strategy, with an objective to outperform the Nasdaq 100 Index, produced a return of 5.9 percent, very satisfactory for a portfolio invested in technology funds only. But that was followed by a loss of 7.8 percent in the first quarter of 2003. Most investors in this strategy, at least those we know of, stuck with it. But they experienced significant anxiety at the loss and the shock of a sharp reversal in what they had thought was a positive trend. The same phenomenon happened, with more dramatic numbers, in our more aggressive strategies.
Some investors entered those portfolios in the winter of 2002, and then were shocked to experience big first-quarter losses so quickly after they had invested. Some, believing the losses were more likely to continue than to reverse, bailed out. Had they been willing to endure a little longer, they would have experienced double-digit gains during the remainder of 2003 that would have restored and exceeded all of their losses. But of course there was no way to know that in advance.
Most timers won’t tell you this, but all market timing systems are *optimized* to fit the past. That means they are based on data that is carefully selected to *work* at getting in and out of the market at the right times. Think of it through this analogy. Imagine we were trying to put together an enhanced version of the Standard & Poor’s 500 Index, based on the past 30 years. Based on hindsight, we could probably significantly improve the performance of the index with only a few simple changes.
For instance, we could conveniently *remove* the worst-performing industry of stocks from the index along with any companies that went bankrupt in the past 30 years. That would remove a good chunk of the *garbage* that dragged down performance in the past. And to add a dose of positive return, we could triple the weightings in the new index of a few selected stocks; say Microsoft, Intel and Dell. We’d get a new *index* that in the past would have produced significantly better returns than the real S&P 500. We might believe we have discovered something valuable. But it doesn’t take a rocket scientist to figure out that this strategy has little chance of producing superior performance over the next 30 years.
This simple example makes it easy to see how you can tinker with past data to produce a *system* that looks good on paper. This practice, called *data-mining,* involves using the benefit of hindsight to study historical data and extract bits and pieces of information that conveniently fit into some philosophy or some notion of reality. Academic researchers would be quick to tell you that any conclusions you draw from data-mining are invalid and unreliable guides to the future. But every market timing system is based on some form of data-mining, or to use another term, some level of *optimization.* The only way you can devise a timing model is to figure out what would have worked in some past period, then apply your findings to other periods.
Necessarily, every market timing model is based on optimization. The problem is that some systems, like the enhanced S&P 500 example, are over-optimized to the point that they toss out the *garbage of the past* in a way that is unlikely to be reliable in the future. For instance, we recently looked at a system that had a few *rules* for when to issue a buy signal, and then added a filter saying such a buy could be issued only during four specific months each year. That system looks wonderful on paper because it throws out the unproductive buys in the past from the other eight calendar months. There’s no ironclad rule for determining which systems are robust, or appropriately optimized, and which are over-optimized. But in general terms, look for simpler systems instead of more complex ones.
A simpler system is less likely than a very complex one to produce extraordinary hypothetical returns. But the simpler system is more likely to behave as you would expect.
To be a successful investor, you need a long-term perspective and the ability to ignore short-term movements as essentially *noise.* This may be relatively easy for buy-and-hold investors. But market timing will draw you into the process and require you to focus on the short term. You’ll not only have to track short-term movements, you’ll have to act on them. And then you’ll have to immediately ignore them. Sometimes that’s not easy, believe me. In real life, smart people often take a final *gut check* of their feelings before they make any major move. But when you’re following a mechanical strategy, you have to eliminate this common-sense step and simply take action. This can be tough to do.
You will have long periods when you will underperform the market or outperform it. You’ll need to widen your concept of normal, expected activity to include being in the market when it’s going down and out of the market when it’s going up. Sometimes you’ll earn less than money-market-fund rates. And if you use timing to take short positions, sometimes you will lose money when other people are making it. Can you accept that as part of the normal course of events in your investing life? If not, don’t invest in such a strategy.
Even a great timing system may give you bad results. This should be obvious, but market timing adds a layer of complication to investing, another opportunity to be right or wrong. Your timing model may make all the proper calls about the market, but if you apply that timing to a fund that does something other than the market, your results will be better or worse than what you might expect. This is a reason to use funds that correlate well you’re your system.
The bottom line for me is that timing is very challenging. I believe that for most investors, the best route to success is to have somebody else make the actual timing moves for you. You can have it done by a professional. Or you can have a colleague, friend or family member actually make the trades for you. That way your emotions won’t stop you from following the discipline. You’ll be able to go on vacation knowing your system will be followed. Most important, you’ll be one step removed from the emotional hurdles of getting in and out of the market.
About The Author
Robert van Delden has been managing the FundSpectrum Group since 1998, whose objective it is to help individual investors to increase their investment returns using low risk Market Timing strategies.. More details can be found on our membership web site: http://www.fundspectrum.com
How Do I Start Investing Online and What Are Some Basic Tips?
If you are new to investing online, don’t put your entire life savings into an online account. Start with a smaller sum, which will be easier to handle and keep track of. Once you feel confident, you can then decide to add more money to your investing online account.
Once online, many investors tend to concentrate on stocks, specifically large-cap domestic stocks. While these stocks should make up part of your portfolio, they shouldn’t be ALL of it! Take into account your time horizon and risk tolerance to develop a well-balanced portfolio of stocks, bonds, and cash.
If you’re new to investing online and are looking to open a brokerage account, there are some important facts you should know before choosing a broker. Each one has strengths and weaknesses, but not everyone sees a broker in the same way. For example, if you’re comfortable finding your own research for investing online, then the deep discount brokers will work well for you.
Ask yourself…
What services are offered? Do they have research available? What is the cost to you for investing online? What are the real commission costs to do a trade, including any handling fees? How are confirmations sent to you — by e-mail, by snail mail, by phone? Can you enter orders by phone, by e-mail, directly on-line? Does it cost extra to call and talk to a broker for help with your account?
Basically you can make money from trading money. If you have US dollars you can buy British pounds for a set rate and they trade the money back in the future at a different rate. This can make your gains immense. Much larger than gains made on the stock market. Just as the upside for currency trading is high, the downside is just as scary and can be immense also. There are currency trading brokers available on line that can provide strategies to limit your losses and maximise your gains.
In a low interest rate environment like the US, it can be a problem to invest in secure high-yielding fixed income investments. Most of these investments are around the base rate as set by the government. It would be difficult to get secure investments around the 3% mark. In New Zealand or Australia some fixed interest investments are worth 7.5% or 8%. An issue with making an investment abroad is that currency rates are so volatile that even though you make 5% on yield, that gain can be wiped out in currency rates.
Equally, currency rates can work in your favour and your investment will have an extremely high yield. To eliminate this uncertainty you can make a foreign investment today using a spot trade and also set up a forward trade at the time of investment maturity. This way you eliminate currency risk in your investment and can capitalise on foreign products. Setting up a forward trade costs money but in many instances the cost of the trade is minimal in comparison to the gains that can be made.
For totally free, unbiased information and advice check out our website at…
http://www.freeinformationonline.com/currency_trading.htm
The Biggest Oil Opportunity in the World - And How You Can Profit From It
Where is the second biggest deposit of oil reserves in the world?
In the oil sands region of Alberta, Canada. Oil sands are a thick, viscid mixture of bitumen, sand, clay, and water. Alberta’s oil sands is comprised of 3 regions with the Athabasca area being the largest and the closest to the surface. Underneath these gooey tar sands lie trillions of barrels of oil.
So then you may ask why have we been so dependent on Mideast oil. Why haven’t we just stayed nearby and relied on Canada? In fact, Canada is the largest supplier of crude and refined oil to the United States, having supplied 2.1 million barrels per day in 2004. But the percentage supplied to the US and other parts of the world is about to grow much larger.
The big difference between oil sands and oil from the desert sands of the middle east is difficulty of extraction. The oil sands process essentially entails extracting bitumen from the sand, and upgrading it to light crude oils. Easier said than done because this is thick stuff and has been expensive to mine and extract. However new technologies are changing the equation and making it much more cost-efficient to mine and extract from the oil sands.
Mining operations are used to produce reserves close to the surface. For oil that is deeper under ground, Steam-Assisted Gravity Drainage (SAGD) and Cyclic Steam Stimulation (CSS) are used. Other examples of new technology and extraction methods include burning bitumen instead of gas to produce steam, a solvent-assisted production technique called VAPEX and a
system that injects air into the oil well and ignites it to stimulate oil flow.
In addition to improvements in technology, higher oil prices are fueling expansion in the oil sands, and a lot of people want in. The Chinese, for instance. In April, China National Offshore Oil Corp., predominantly owned by the Chinese government, bought nearly 17% of MEG Energy Corp. for $122 million. The company is developing a northern Alberta project estimated to pump 25,000 barrels of crude from the oil sands by 2008. And Canadian oil pipeline giant Enbridge has announced a preliminary deal with PetroChina to anchor a $2-billion oil pipeline to the West Coast.
So how can you benefit from the increased exploration, production and sales of crude oil from the oil Sands of Alberta? Choose among the stocks of companies that are investing in the area and applying new technology to extract oil more cost-efffectively.
Companies than can capitalize on the increasing role of Canada’s oil sands in the world’s energy needs include Suncor (NYSE: SU), Encana (NYSE:ECA), Canadian Natural Resources NYSE:CNQ) Deer Creek Energy (DCE.TO), Total S.A. (NYSE:TOT), Petro Canada NYSE: PCZ), and, with its acquisition of Terasen whose pipelines are well-positioned to transport growing production from the Alberta oil sands, Kinder Morgen (NYSE: KMI).
And while it may remain somewhat more expensive to extract oil from Alberta than from the Mideast, consider the effects of global politics, terrorism and turmoil, and the chilly wilds of Northwest Canada become very attractive indeed.
Leon Altman creates and runs websites that uncover opportunities for investors. To find more opportunities in oil and gas as well as other sectors, subscribe to his free Select Sectors letter at http://www.investingin.com/SL-Oilandgas.htm and check out his websites:
http://www.InvestingIN.com and http://www.SmallcapRecap.com
Get Wealthy With the Rule of 72
When it comes time to retire how many people would like to
have a nest egg that is 2 or 3 or even 4 times larger than
what they have? With an answer so obvious allow me to
explain how you can make it happen for yourself.
First we’ll explain the Rule of 72. If you divide the
number 72 by the rate of return on your investments the
answer is the number of years it will take to double your
money. If you are getting 7% annually then 72 divided by 7
equals a little over 10 so it takes 10 years to double. A
9% return divided into 72 gives us an 8-year time span to
double. A 10% return needs only 7 years to double.
Now what return can reasonably be expected in our real
world? Over the last 100 years or so the United States stock
market has returned 10 to 11% per year on average, depending
whose figures one reads. We’ll use the figure 10%.
Suppose at age 37 you start saving for retirement. We
choose a reasonable sum of 110 dollars a month. In 7 years
you notice that you have accumulated 13,200 dollars. Another
7 years go by and you see that you have nearly $40,000. At
the end of 21 years you have $93,000. By age 65 you notice
that 28 years have gone by and you have $200,000 dollars.
The rate of return kept steadily increasing. Those of you
with some mathematical leanings will recognize this as an
exponential rate and also as compound interest. This
website has a good calculator:
http://www.tcalc.com/tvwww.dll?Save
Also notice that 28 represents four 7-year spans, time for
the first dollars to double four times. Observe that during
the first 7-year period you accumulated $13,000, during the
2nd 7-year period $27,000, during the 3rd 7-year period
$43,000 and during the 4th period $107,000. During the 4th
period you grew eight times as much as in the first period.
All without changing the amount saved, $110 per month.
You think to yourself “I wish I could have twice as
much”. You may have figured out where this is going. Just
START 7 YEARS EARLIER. Now at the end of 35 years you have
$414,000, just for starting sooner. And if you start another
7 years earlier, imagine, $846,000. You accumulate $214,000
during the fifth 7-year period and $432,000 during the sixth
7-year period. Sixteen times and thirty-two times the amount
in the first 7-year period. All for the same 110 dollars a
month!
Yes, I know. This would require beginning saving at age
23, a very difficult thing to do. I also realize that those
people with marginal incomes just don’t have money to save
and also that younger people usual have lower earnings power
and incomes. I’m trying to make the point that to whatever
extent you can follow this start-early concept it will pay
off handsomely by the time you reach retirement.
Albert Einstein wrote that he believed the most marvelous
thing in the universe was compound interest. You can put it
to work and double or triple your retirement savings. Save
as much as you can, save regularly but most of all start as
EARLY as possible.
Play music like you always wanted. Gain the knowledge
you need to cut out most of the drudgery of endless
practice. Dr. Moloney is a retired Family Practitioner with
a lifelong interest in music and teaching.
Empower yourself to take charge of your learning by
studying his E-book. http://www.musicsimplified.com/
What Should We Do with Algebra?
Algebra is one of the most key and superior arms of mathematics. Although at first it may seem to just fly over your head, a lot exercising helps students to understand the field of study. One has to keep studying this field of study at higher educational stages like college, thus it is important to create a strong base from the beginning.
The Difficult Areas
Algebra addresses a vast number of topics, graphing being one of them . This could include graphing a circle, graphing systems of radical systems of inequalities, graphing inequalities or graphing quadratic equations . Exponents is one of the main areas of study. This can range from subtracting exponents, dividing exponents or just applying the laws of exponents. Rationalizing, factorizing, matrices, hyperbolas and quadratics all have to do with algebra.
Some pupils find algebra quite difficult. However, in today’s day and age that is not a trouble as virtually all pupil has access to a computer. One can easily use online maths programs that instruct and test pupils. For practicing and enhancing skills, there are worksheets available in these software system. Online tutors are also available and are easy to reach. The fees can be based on number of hours or per module and this works as if the student and the tutor were face to face.
How to Get Assistance for Algebra
For aiding pupils, there are a large number of software programs available on the Net. These computer programs provide bit-by-bit guides to help students through their troubles. These computer software programs can aid you with your homework, test readiness and even exam preparation! As algebra has a vast number of sub-sections you can select software programs that link to your specific difficulty or problem. This could be radical equations, inequalities, functions, or just graphing. Some packages also include games and videos that could further develop your algebraic skills.
Algebra calculators are also available over the Internet. They can help solve some types of algebraic questions. Mostly these will include questions that have to do with complex equations or radical inequalities. Different calculators allow you to construct graphs at the click of a button.
Though these packages and other aids can help many individuals master a great number of problems, it is important that other resources are also used for further heightening your algebra skills. Using these facilities for cheating would only be a loss to yourself. These computer software are ideally used for double-checking your answers of your homework assignments rather than using them to complete the actual papers.
Bearish or Bullish?
If you are interested in stock investing and the stock market, you may have plenty of questions. Even if you have already started investing, you may still have many questions about the details of the stock market and your options. Even the stock investing pro needs tips now and again and is on
a path of continuous daily learning. That is their lifestyle and sometimes their contribution in life.
So, how, as a part-time investor, do you know where to go
for recommendations? How can you be sure the ideas you
are
getting is good advice? How can you use that advice to
make
right decisions about your portfolio so that your investing
meets your ultimate plan?
Stock advice comes in many forms; financial reports,
newsletters, performance charts, and trade papers,
provided
by financial institutions, stock analysts and investment
companies are only a few of the valuable sources for market
information. Stock tips, investment strategies and money
management predictions can be obtained by a mere phone
call
or in a casual chat with your relatives or business
colleague.
You can receive stock advice by watching CNN or your local
news and seeing what is going on in the world and the
condition of various companies. You can also look at
companies that are looking to grow or to merge and at what
the companies’ projections and strategies are.
And with the advent of the Internet, stock advice can be
found most anywhere at the touch of a keyboard. Most
advice
is at no cost. Many software programs have also been
designed to help take the guesswork out of stock trading
and
these can be downloaded to your computer.
Although everyone you know may have their two cents worth
to
add to your stock decision making, finding really excellent
stock advice can often be elusive and even downright
expensive. That’s why it is important to investigate and
compare the investment firms themselves, ask the right
questions and seeking out those who have established
track
records, can put you on the road to success early and often.
Whether the current market trend is bullish or bearish,
there are opportunities out there to make it profitable for
you. Think long term, not short term (especially, if you are
starting at a young age) and the market will provide you
with success.
Alton S.Shermand is founder of FIN Stock an
excellent resource site dedicated to information on stocks.
GA Car Insurance Rates
Georgia Car Insurance Policy Requirements
Georgia car insurance laws assert that all drivers in the state carry liability policies on their automobiles. GA requires that all drivers carry 25/50/25 car insurance coverage. This essentially intends that their insurance coverage covers bodily injury damage of $25,000 per person, $50,000 per accident and also damage to property coverage of $25,000.
In GA, when a collision occurs, one of the drivers is always held accountable - this is how the law works under tort law. Obligation for paying incurred costs lies in the hands of the person found answerable as well as their car insurance firm. GA insurance laws do not obligate car owners or drivers to carry personal injury protection coverage, nor do they need the purchase of underinsured insurance coverage. These policies, while not obligatory, are not a bad option to add onto your car insurance. Many Georgians invest in these nonobligatory insurance products to guarantee enough coverage in the event of an automobile accident. These are just a handful of the regulations in Georgia to protect individuals and their vehicles. Controlling these rules, the Georgia Dept. of Revenue has a statewide database that car insurance underwriters are mandated to keep current with a motorist’s insurance information. Simultaneously, it is encouraged to keep validation of your car insurance coverage with you each time you are in the car. Without your insurance certificate, if you are stopped by the police or involved in a car accident, you could be fined $200 or even have your license suspended.
Georgia is not a no-fault state, but instead, they run under the Tort system. This means that for all accidents, one of the motorists must be found to be accountable and they, along with their insurer, will be held accountable for financial damages resulting from the automobile accident.
Personal Injury Protection is an additional line item of insurance that is not contingent upon on who’s at fault in the automobile accident. It can help pay for medical costs and other monetary damages after an accident. It is not obligatory in Georgia but many people add this type of protection to their car insurance coverage.
Uninsured car insurance coverage is another nonobligatory extension that can be appended to your car insurance coverage. This car insurance coverage protects you in the result that the person involved is uninsured at the time of the automobile accident.
To assure abidance with the law, Georgia insurance companies are mandated to provide details of your insurance policy to a statewide database upheld by the Department of Revenue. It is also urged to carry proof of car insurance coverage with you everytime you drive. You may be asked for this proof if you are involved in a collision or are stopped by the police.
Investing Without Brakes Is Hazardous To Your Portfolio
The business of investing in stocks is an inventory “buying & selling” business. Naturally, the companies that sell stock to the public want you to buy and hold it forever in order to maintain its value. But if you are buying without any selling, you are literally driving without any brakes. That is a horrifyingly unsafe position for your principal. The most effective defensive brake system for your money is a stop-loss order on your stocks.
A stop-loss order is an order you give your broker to sell your shares if a stock falls below a certain price. You can select a stop-loss price for your stock based upon chart patterns or a percentage drop from your purchase price. And some brokers automatically move them as a stock moves up in price to lock-in profits for you.
The first time I learned this lesson (not the last unfortunately), I was just 18 years old. One of my early stock purchases, recommended by a stockbroker from a famous brokerage firm, was stock in a famous airline - just before it trailed off into bankruptcy. Had I read this article before the airlines’ financial calamity, I would have rescued most of my $5,000 and prevented my own financial calamity.
But you cry, “The greatest investor Warren Buffett is a buy & hold investor!” No, I’m afraid he is not. Mr. Buffett mainly buys whole companies or controlling interest in a company. He buys control so that if there are problems with the company, he can hire/fire/make changes. If there are critical problems with the company whose stock you own, the only control you have to protect your principal is to sell.
When a public company goes bankrupt, 70% of the time the shareholders receive no money at all. How many stocks do you want in your portfolio worth $0? I know exactly how many that I want, and I know that stop-loss orders prevent it from happening.
There are a few “loss-recovery” methods, but you’ll never sell enough covered calls to recover from a stock trading under $5, or be able to buy puts on a stock that has been de-listed from an exchange. But the nearly certain protection is to place a stop-loss order on the stocks you own. You can choose any percentage loss amount (5%-25%) based on your experience, but you must have a stop-loss order in place to protect your capital.
There a zillions of old stock market sayings. Here is one of them for those of you who are still skeptical, “If the smart-money has sold and moved on, what type of money still own the stock?”
investing.real-solution-center.com
Best Jewelry16 Mar 2009 03:15 am
Diamond Rings ARE Forever: Learn the 4 C’s
Whether you and he have discussed marriage or you just have a hunch that he may pop the question in the near future, you’ve probably given some thought to a diamond ring. If you and your intended shop for your diamond ring together, become familiar with the elements of diamond quality before you get to the mall. Invented by the Gemological Institute of America, the diamond grading system is commonly known as the “4 Cs” - carat, clarity, color and cut.
Carat
Carat weight measures a diamond’s size. Each carat is equal to 100 points. Thus, a .75-carat diamond is the same as a 75-point stone or a 3/4-carat diamond. According to the Diamond Information Center, the larger a diamond, the more rare it is. Not only are larger diamonds found infrequently in nature, but they also show off the stone’s color and cut to the best advantage.
Clarity
According to the Diamond Information Center, the purer a diamond, the more brilliant it is. A diamond’s clarity is judged by the number, color, type, size and position of inclusions - “nature’s birthmarks” - it contains. The fewer inclusions the stone has - as determined by a grading system - the more valuable it is.
Color
The purer the color of a diamond, the more rare it is. Truly colorless diamonds are the most valuable, while those with subtle yellow or brown tones - as determined by a grading system - are less so. Comparing stones side by side is the best way to see the color of each stone.
Cut
The Diamond Information Center maintains that, while nature is responsible for the other three Cs, it is the cut of a stone that releases its sparkle and beauty. When a diamond is cut to good proportions, light will reflect from one mirror-like facet to another and disperse through the top of the stone, resulting in a display of its brilliance.
There are several different shapes of cut diamonds; the one you choose depends upon your personal taste. Marquis cuts are out of style, but Princess, Round, Oval, and Emerald diamond rings are chosen by many couples.
While diamond rings have traditionally been comprised of a single diamond or solitaire, the current trend is a ring with a center stone and side diamonds. As for settings, there are over half-dozen categories to choose from. The prong setting is still the first choice for most buyers, but that the bezel setting is also popular. And, while yellow gold may make a comeback in the future, the hot metal for diamond rings is still platinum. While it’s pricier, it’s also heavier, hypoallergenic, and will never tarnish.
Chris Robertson is an author of Majon International, one of the worlds MOST popular internet marketing companies on the web.
Visit this Jewelry Website and Majon’s Jewelry directory.
Stock Trading Systems >> Day Trading Book … Beyond Stock
Market Software … Momentum Traders Guid
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You don’t necessarily have to trade momentum hot stocks all the time. But you can learn how to take advantage of them when you encounter the best opportunities.
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+ $ Will my market rally last more than 5 minutes or less? What to do
+ $ It’s all about the stock rally. The rest is just a bunch of elegant B.S. Learn to focus on what matters.
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