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

5 Tips to Avoiding Travel Eczema

Your eczema has been under control for a while. You have attained that sweet spot of equilibrium where your known eczema triggers are understood and avoided, whatever medications you take are working and not causing side effects, your skin is as good as it gets. Only one problem, you will be traveling soon.

Travel eczema, occurs when your body meets up with irritants and allergens you cannot control, as a result of not being on home turf. Whether it’s air, water, food, sun, soaps, detergents or weather, traveling presents some hard to solve problems trying to keep eczema in check.

Sometimes it’s the irritant or allergen you are exposed to that you would usually avoid, that causes the problem. But sometimes, just the change of routine or unfamiliar environments can cause flare-ups. Traveling can be stressful and eczema loves stress.

Here are a few tips to keep eczema at bay:

1) Do a little research into the type of foods you will encounter that are indigenous to the area you will visit. What can you eat, what can’t you eat. Eating the cuisines of other cultures is a major component of travel, and knowing what common additives are used in the preparation of popular dishes is a good way to stay symptom free.

2) Pack enough of your favorite medications, cremes, ointments and solutions. Don’t think you’ll be able to pick some of these up where ever you go. First, some products won’t be available, second , they may be very expensive and third, you don’t want to spend time running a round looking for something to ease your discomfort. If you travel to a tropical climate and you start to experience eczema symptoms like flaking and cracked skin, these minor openings are perfect places for more serious infections to gain a foothold, if you have the right medication this will not present itself as a problem. Better to have a little extra baggage than find yourself without your wonder creme.

3) Try to drink enough water or fluids, this will keep your system less stressed and better able to cope. I try to drink only bottled water that comes as close as possible to the type I drink at home. Meaning, I drink spring water with a specific mineral/chemical make up, so much sulfur, dissolved salts, etc., so when I travel I don’t drink mineral waters which may have higher mineral concentrations or added ingredients. If you drink German beer at home, then drink german beer abroad.

4) Pack and use an anti allergy travel sheet like an Allersac. Bleaches, detergents, soaps, perfumes are just a few of the triggers a travel sheet will help you to avoid when you spend 30% or more, of your time in a strange bed. An anti-allergy travel sheet, one that can be washed repeatedly, will be your best bet. Make sure, which ever travel sheet you use, it has a pillow pocket to protect against direct contact with the hotel pillow. One of the major causes of allergic eczema is dust mite dander. A travel sheet with a small pore size or one that claims protection from dust mites would be wise.

5) Environmental factors like cold, humidity, sunlight and heat can cause flare-ups especially when it’s the change that is the cause. If you travel to a warm climate from mid winter conditions at home, be prepared. Pack clothing that will mitigate reactions, sunblock, hat, gloves etc. The weather might cause your sinus problem to flare, which in turn stresses your body and causes your eczema to activate, or the humidity allows high mold or pollen counts where you travel. There are websites like http://www.aaaai.org/ which publish pollen and mold counts, and many sites for weather forecasts.

Having eczema and learning how it activates and affects you takes years, some people get a handle on it, others don’t, but even if you don’t know what the causes are, some simple precautions, a little research and remaining calm can help you to get the most out of traveling, even with eczema.

How to Set Up a Family Game Night

Family Game nights allow you to bond with your family and just have a fun time. Here is how you can go about setting one up.

1. Find a time when everyone will be available

Were all busy, the first thing you need to do is to plan it in advanced. Ask other people when they will be available and make it a date to look forward too. Put a reminder on the refrigerator so everyone knows when it is.

2. Find Some Games to play

You can’t have a family game night without games, so try to find some games somewhere; you may only need a deck of cards. You could also ask around and see if anyone knows of a fun game that you guys could play.

3. Decide what snacks you will have

People like to munch on things. Putting out a few cut up vegetables, or some chips can be a great idea. You might even want to replace dinner with snacks at family game night, just to mix things up a little.

4. Decide if it will be in the family

You have to decide if it will only be in the family, so only people in your family will be there, or not. I like the fact of inviting other people. You can invite other people and see if your kids want to invite other people the more the merrier.

This also is a great way to meet who your kids are hanging out with.

5. Have Fun

Family game night is all about everyone having fun and making good memories. So remember to go in it with a positive attitude and be happy. Remember if you aren’t having fun it can rub off and make it so no one is having fun either.

Public Relations Jobs – 7 Steps to Landing a Public Relations Internship

You have been waiting for this your entire college career and here is the blissful summer. This is the season for internships: the season of Ice tea, cool swimming pools, cold beverages and with all of that, thousands of fresh graduating looking for their long awaited internship in public relations career. Following the 7 steps for landing that internship you have been waiting for might give you an edge over your tough competitors.

1. First things first. You need to redo your resume so that it does not look like some ordinary template out there which is being used by everyone else. An employer will hate looking at the boring template and this might be your chance to get his attention. Tweak your CV wherever possible and make it reflect what you want to do with that position.

2. The next step would be decorating and renovating your social networking profile. After you are done making it look like pro link it to your network. Others will find easy to help you out find your dream job. Public relations saleries are something huge these days, but do not hanker for it too much to make it very blatant.

3. Start a twitter account if you want a job in PR, marketing, advertising and the likes. Use your account responsibly.

4. You need to clean up your other profiles in social networks. Remember your employers do check your profile if you think it is not public. Remember PR jobs are based in how you deal with people and your sloppy Facebook profile can be your biggest loophole.

5. Reach out to the people at the top of the hierarchies. Most people do not do this because they think they do not care. It is just the opposite. It makes a favorable impression if you are respectful to their time.

6. Make yourself a nice portfolio. Remember ports are not only for designers. If you want to be a manager your employer might want to look at your past glory and it might help you to get in the spotlight. Do not forget you will be awed by your fellow interns in every way possible and you must awe them as well.

7. Be flexible. Being willing is the largest asset you can come up with. A lot of times you will be faced with the question of getting an unpaid internship. Take it without the slightest hesitation. Prove your merit to people who matter. Be loyal. Showcase ethical loyalty as your largest personality trait. Go for entry level PR jobs if you are not experienced enough.

With all of these in mind and the correct social circle with the flexible education you might find yourself in the best PR career surrounding possible. Public relations career has internships based on entry level public relations jobs. Do not let that disappoint you a bit. Get your way to the top. Get to know people, get the hang of the field and once that happens there will be no stopping you.