Don t get attached to a loser

Dear Fellow-Investor. Why do totally overvalued and overrated stocks go up and up while cheap high quality stocks often come to a standstill? At the stock markets, more often than not, the brain is being switched off and the rational thinking stops – which is risky and can cost a lot of money! It’s the same over and over again. If a stock makes a lot of profit investors tend to fall hopelesly in love with a security. But when it drops, many of us just look at the bad news and just tend to see dark clouds in the sky and act accordingly by selling instead of scrutinizing the fundamental data and the perspective of such corporation. They are being led by emotions i. e. psychology. Where proper action is required, hunches and gut feelings take over instead of switching the brain back on! Science and research has scrutinized what is called “Behavioral Finance” to find answers to why and how investors come to such irrational behaviour. They try to find out what makes investors “tick” and why a lot of them throw their money at high risk securities like OTC (over the counter) stocks. Rational thinking was also highly neglected during the late 90’s and greed took over. Many newbies to the stock market observed how the markets where skyrocketing and they bought just almost any stock that promised to rise without thinking and taking even the slightest fundamentals into consideration. It was almost compulsive to buy securities! While, during the boom of the 90’s, almost everyone rushed and charged at what I call “scrap stocks” - no matter how expensive they were - no one was interested in the cheaper but high quality stocks that were available for “give-away-prices” during the 3 year resession that followed. This is totally irrational! Nobody was interested in the best stocks around that were out there at discount prices because some of them had dropped 70, 80 or even 90%. For centuries investors have made the same mistakes over and over again! They are being led by emotions. Most of them sell stocks that have been doing well way too soon – happy to have made a profit that they don’t want to lose anymore. On the other hand, the same investors hold on to losing positions way too long. They don’t like selling at a loss because this would mean owning up to the fact that their investment decision was a mistake. And who likes making mistakes? But this is one of the most important lessons investors have to learn: It’s only worth while holding on to securities - that have dropped - which are of high quality and where the chance of a turn around is more likely than not! Behavioral finance also found out that most investors already make their first mistakes during their research when they start looking for information about their future investments. If they expect a stock to go up they overrate good news more than bad. And by the same token, if they expect a stock to fall, they overrate bad news more than the good ones. Financial gurus like Peter Lynch, Warren Buffett or Andre Kostolany have always said that, on short-term, only 10% of what is said and thought at the financial markets is based on fact. Everything else is psychology that lead to the same mistakes over and over often because most investors, especially the private ones, have no strategy and are extremely susceptible to all the background noise and mumbo-jumbo that is poured upon them. If you want to be a successful investor you have to switch off your hunches and gut feelings, not your brain! And you have to develop a strategy! To get an idea of what I mean, please be my guest and to go to stockbreakthroughs and sign up for a 7-Day eCourse. It is free of all charges and no risks involved! Guaranteed! Yours in Successful Trading Ricky Schmidt

Trusting abundance

How do we trust enough to trust abundance? It’s a koan or at least a dilemma. A few nights ago, a friend shared how he recently worked with his fears and limiting beliefs around money, trust, and abundance. For six years he had been “at a loss”—literally, unable to figure out why he was living in poverty while everyone around him seemed to manifest abundance so easily. A few weeks ago, he decided to stop asking why and started to simply “walk the walk” of abundance. It started with his awareness that he was out of integrity with himself and his church. His church asks its members to agree to tithe 10% of their earnings to charity. Although he had made the agreement, he had been skimping, telling himself that he didn’t have enough money for food or rent so how could he possibly give 10%? When he confronted this, he made a decision to tithe 10% anyway, even if it meant going hungry. He made one other behavioral change to stop reinforcing his fear of lack. He stopped letting his gas tank get dangerously close to empty or even running out of gas. From the moment he stopped letting the fear of lack control him, his business began to boom. Within two weeks, he was booked with work for the next three months and has since given the overflow to other contractors. So how do we trust enough to trust God/the Universe? This is where faith and “working in concert” come in. Faith means allowing God/the Universe to provide even though we can’t know ahead of time how things will work out. Faith is trusting, even with our fears and limiting beliefs. Working in concert means not sabotaging God/the Universe through behaviors that reinforce our fears and limiting beliefs. It means acting as if—as if we have perfect faith, as if it will all work out, as if we can help ourselves and others even when we don’t see how. This is what my friend did by tithing and by filling up his gas tank. He behaved as if his fears and limiting beliefs didn’t have to be true or run the show anymore. I acknowledge him for his hard-won mastery of trust. He is an inspiration.

Installing a new shower unit

A successful shower installation requires careful planning and a lot of work. In most cases, you will need to do three types of tasks: framing walls, installing the plumbing, and finishing walls. Preparation Firstly, you must decide on the type of shower that you wish to install. It is important to ascertain whether the chosen shower is capable of coping with certain systems and can regulate a safe level of water through the boiler. Most shower units nowadays are designed to be flexible to different water pressures (such as stored hot water and cold mains). It is also important to take into account the water pressure and the planning of the piping and drainage for the shower Different Types of Shower Units Push-on Mixer: The hose and spray parts of the push-on mixer shower unit can be connected to the bath tap as per your requirement, and the water temperature can be adjusted via the taps. Push-on mixers are cheap and extremely simple to install. However, although the hose connection is simple, it is easily dislodged. Additionally, it is inconvenient to adjust the temperature. Bath/Shower Mixer: The hose and spray of this type of shower are combined with a bath mixer tap, and the temperature can be adjusted through the bath taps. It is a very cheap option and no extra plumbing is involved. However, the bath/shower mixers also suffer from inconvenient temperature control options. Manual Mixer: The hose and spray of a manual mixer shower unit are a part of the wall unit and the hot and cold water supplies are connected to a single valve The temperature and pressure of the water are controlled through either one or a variety of knobs (in more expensive showers). Although temperature control is much easier in manual mixer types, they are more expensive than the previously mentioned mixers. They also require additional plumbing of hot and cold water supply pipes. Thermostatic Mixer: The hose and spray of this shower type are a part of the wall unit and the hot and cold water supplies are connected to a single valve here too. It is complete with a built-in stabiliser to self-adjust the water temperature and to prevent it from becoming too hot. One of the biggest advantages of a thermostatic mixer shower type includes convenient temperature control. However, it is the most expensive of the different mixer options. Power Shower: A power shower is a single unit containing a powerful electric pump that is capable of altering both the water pressure and temperature. This type of shower can be fitted if there is water supply from a cold water cistern and a hot water cylinder. A power shower makes the adjustment of both pressure and temperature easy. On the other hand, it is unsuitable for water heated directly by the shower or where the water is supplied by a combination boiler under mains pressure. Electric Shower: An electric shower is plumbed into a mains cold water supply and it heats the water electrically. It is important to note that for this shower type to be installed, the mains pressure needs to be at least 0.7kg/sq cm (10lb/sq in). The unit allows the temperature and pressure to be adjusted via a knob. Models with temperature stabilisers are better as they remain unaffected by other taps elsewhere in use within the household. A major drawback of electric showers is that the control knob only allows for the option of high temperatures at less pressure, or lower temperatures at a greater pressure. This is problematic in the winter season when the spray is often weak and the mains water is colder. However, this problem is tackled in some models which are available with a winter/summer setting. Method Depending on the type of shower you wish to install, the shower head must either be fitted in order to avoid its contact with the water in the bath below or the base tray, or it must have a check valve. Before starting, it is advisable to mark the positions of the shower head and control, and to plan the pipe-work involved. Additionally, the drainage system to remove the waste water will need to be planned. Both positions of the cable route and the shower switch will also need to be considered if an instantaneous or electric shower unit is being installed. Use the instruction guide provided with the shower unit to fit the shower control. Before fitting the pipes that will supply the water to the shower system, it is important to cut off the water supply. In order to protect the pipes, they should be given a waterproof covering and also fitted with isolating valves. The pipes can then be buried into the wall and plastered over to neaten the overall look. Fit the base tray, shower head, and fittings. Connect the main shower control to the pipes that will be supplying the water (This may require a female screw thread adapter). Reconnect the water supply and test the pipes for any leaks, as some may need tightening. If you are installing an electrical shower, remember to switch off the electricity supply before making any electrical connections. Once these connections have been made (there should be guidance within the instruction manual), the power supply can be switched back on. Adjusting Water Pressure to Suit Your Shower The cold water reservoir can be lifted to a greater height (sometimes as little as 150mm (6inches)) by fitting a strong wooden support beneath it - possibly composed of struts and blockboards. If you choose this option, the main and distribution pipes will also have to be raised to meet the new height of the reservoir. Alternatively, a booster pump (a single pump or a dual/twin pump) can be fitted. Whichever type is chosen, it must be connected into the power supply in order to operate. Piping and Drainage It is best to use 15mm diameter supply pipes, and make the runs to the shower as short and straight as possible so as to maintain maximum pressure and minimise heat loss. Additionally, by minimising the use of elbows for pipe corners, you can decrease the resistance in the flow of the water supply. You can achieve this by bending the pipes instead. Most Common Mistakes # Violating or ignoring local code restrictions. # Using pipes that are too small. # Attaching copper to galvanized without using a brass or dielectric fitting between the two. # Not using tape or pipe compound at threaded joints. # Not leveling your fixtures when installing them. # Not installing an air gap filling for fixtures. # Cutting supply stub outs too short to install the shutoff valves onto after the finished wall is in place. # Not properly aligning tubing into fittings or stop valves. (Forcing the nut onto the compression ring at an angle when the tubing is at an angle will cause a leak.) # When turning the water back on in your home, always run the outside hose valve or flush your toilets to bleed dirt and air from the lines. This debris can cause problems in your sink faucets and other plumbing trim.

Why web development

As the internet is maturing the existence and web applications are emerging, web development is becoming essential for proper growth of business on internet. Either you are dealing with products or any type of services web development make your work easy to be done on the internet and gives some lots and lots of advantages with high increase in revenue as with web development you can hit the international market as your target market. Web development is also referred as "back end" of a web site. Web development makes an impact on the result of web page and has a very little influence on the design of the site. In the beginning of the internet era, world was being provided with the simple HTML in which no one could get the sense of freedom to show his products and get order or do the marketing in proper way. As the time goes on and the need of selling products to whole world without visiting on the globe physically, Web development came into being. Through this newly born technology on the internet people save a lot of money which they used to spend to spread there products or services across the world. Currently there are many companies which are developing software just to enhance the performance and enabling more and more features in web development. Web developments technologies might include ASP, PHP, MySQL, XML, XHTML, DHTML, JavaScript, AJAX and much more. Now, most importantly, what actually web development offers? In answer to this question, there are many features web development is providing to be used, two of them are listed and explained a bit here. Content Management System (CMS): This system is the core of web development and used to manage contents of a web site, providing the facilities for the creation, modification, archiving and removal of information resources from an organized repository usually saved in a database. While using standard HTML, it will be a static page, if change is required in text or an image is to be updated, changed or added then it means to modify the page manually and upload it to the server again, and for doing this much either you have to be a web programmer or you have to hire a one to do this little task. On the other hand, talking about CMS based web site, text or images are not used to be written on the page, this material is being pulled from online database when a user request a page. Order Management System: This system accepts order on the websites from customer or clients globally, process it independently, and monitor the status of order. Some of the main tools used by Order Management System are: store fronts, shopping cart, online forms and payment processing.

The family of jesus christ

Was Jesus born 2002 years ago? Was he born in year zero? The first year AD was 1 - so, Jesus could not have been born in year zero. The very concept of zero was invented much later. Numerous historical minutia in the gospels indicate that Jesus must have been born before 4 BC. For example, He was said to have been born during the reign of King Herod, who died in 4 BC. Jesus' mother, Mary, was a virgin before it gave birth to him - and remained a virgin in perpetuity. This is the official (Catholic) doctrine. But Jesus had brothers and sisters - plenty of siblings. St. Paul wrote (Galatians 1:18-19): 'Then after three years I went up to Jerusalem to see Peter, and abode with him fifteen days. But of the other apostles saw I none save James the Lord's brother." This very same James is also the son of one, Alpheus! All the brothers of Jesus are the sons of this Alpheus whose wife's name was ... Mary! Matthew 1:25: "And he [Joseph] knew her [Mary] not until she had brought forth her first-born son..." First-born meaning there were others who followed (second-born, third-born, etc.) Matthew 13:55-56: "Is this not the carpenter's son? Is not his mother called Mary? And his brethren, James and Joses and Simon and Judas? And his sisters, are they not all with us?" Mark 6:3 (referring to Jesus): "Is this not the carpenter, the brother of James, and Joses, and of Judas, and Simon? And are not his sisters here with us?" According to both Matthew and Mark, three women stood by the cross at the crucifixion: Mary Magdalene, Mary the mother of James and of Joses, and the mother of Zebedee's children (Salome). Salome was Virgin Mary's sister and, therefore, Jesus' maternal aunt. John (an eyewitness to the events) identifies Mary as Jesus' mother - but distinguishes her from Mary, wife of Alpheus and two other women (for a total of four women rather than three): John 19:25: "Now there stood by the cross of Jesus (1) his mother, and (2) his mother's sister, (3) Mary the wife of Cleophas [Alpheus], and (4) Mary Magdalene." Mary, wife of Alpheus, could not have been the sister of the Virgin Mary, as the Church would have us believe. In Jewish families, two sisters cannot share the same name. John implies that Mary, mother of Jesus was not the wife of Alpheus, father of James and Joses, and Judas, and Simon, who are identified as the brothers of Jesus by all the other gospels!

Great benefits of natural skin care products

Natural skin care products are the safest and the most effective means to maintain the good health of your skin. For ages, nature has provided the medical industry with ingredients that have powerful antibiotic, antiseptic, or anti-inflammatory properties which are processed into medicines, serums, ointments, or lotions. Natural dermatological products are mostly found in the form of ointments or creams, which are quickly absorbed by the superficial layers of the skin. They are effective against most skin conditions and successfully treat local irritation or rashes. The main advantage of using natural skin care products is their hypo-allergenic character; they are proved to be very well tolerated by the skin. This is due to the fact that natural products contain no additives or preservatives and therefore they are very safe and reliable. In addition, natural skin care products that are properly formulated to match a specific skin care need often cost no more than their synthetic opponents. It is known for a fact that chemically enhanced products may harm your body by releasing malign substances into the blood stream. In order to minimize these risks, you should consider using natural skin care products instead. They stand as a very effective and healthy alternative to all synthetic products. However, the main disadvantage of all natural skin care products is that they tend to lose their properties sooner; they have a shorter period of life. Unlike products that are chemically processed and contain synthetic preservatives, natural products alter more quickly, and therefore you should always make sure you check the expiration date before buying such natural skin care products from the shelves of pharmacies or supermarkets. Sometimes, regardless of their nature, skin care products only treat the effects of a disease, and not the factors that are causing it. Take acne, for instance. Skin acne is not always an infectious disease. It may be caused by hormonal unbalances inside the body and the unaesthetic aspect of the skin is due to the excessive oil produced by the seborrheic glands. In order to successfully treat this very common skin condition, an internal treatment must be associated to the topic external antibiotics. Well tolerated natural skin care products in the form of creams or lotions applied on the affected skin then complete the treatment by controlling the condition externally. Therefore, if you have skin affection, you should pay a visit to your dermatologist first and ask for advice regarding the appropriate treatment. Natural skin care products come as an addition to the prescribed treatment, enhancing its benefic results. Also, it is very important to check if the skin care products you choose are appropriate for your skin type before using them. Despite their successful use among the medical branches, natural skin care products are not exclusively intended for treating skin conditions! They are also very efficient for cosmetic purposes. As a matter of fact, the cosmetic industry offers nowadays a wide range of natural products that improve the aesthetics of skin. Anti aging skin care products are the most popular at the time being. Whether they are intended for preventing or reversing the natural aging process of the skin, such products are highly requested and are “a must have” particularly among women in their mid-thirties. Anti aging skin care products, as well as other cosmetics, satisfy the growing aesthetic needs of modern society. Regardless of their purposes, natural skin care products are the best alternative for synthetic ones, and when properly used, their beneficial actions are quickly noticeable.

Russian mail order brides are they real

: Nowadays there are much more gentlemen searching for their Russian bride than during the past several years. There are a lot of web forums dedicated to Russian dating experience, Western men tell there either about their success in using Russian matchmaking services or fails and meeting Russian scams. Under the «Russian scam» we mean a woman who are using the foreigners as the way to get Visa and to escape from Russia. These can be either independant girls working alone, who have their own families and are happy living with their husbands, or even a matchmaking services. There are many women who will try to take advantage of a foreigner trying to find love. They want to use their good looks to pretend to have a relationship that they only want as a tool to get out of their country. These women just want a fake marriage which will give them a chance to move to a Western country. Sometimes after they do get their Visa they stay longer and find another partner that suits them better. You should never forget about it whilst searching for your Russian bride. However, Russia is full of really kind and caring girls, who sincerely want to find their true love. These ladies dream about a romantic relationship and eternal love. Most reliable and truthworthing matchmaking services do their best to remove all the fake profiles. Some of them offer such a service as a «background check» for men who are not sure about if their beloved one is real or not. These agencies do this by requesting the women fill out very extensive questionnaires, to reveal their real age, background, some document that can assure their identity and marital status, as well as explaining their motivation in signing up for a matchmaking service to find a foreign man. This really does eliminate the women who are just trying to scam you. The term "Mail order bride" is insulting to Russian women in general because they don't want to be perceived like that. It is a term that is compared with shopping through a catalog and picking your product and then purchasing it. It's not something that they are looking for. They want men to know that dating a real Russian woman is challenging. Also, they know that the promise of a better life in the United States or the U. K. is no longer the "holy grail" as they once thought it was. Russian ladies know what is going on in Western Cultures and they know that it is not as grand as they once thought. Matchmaking services have improved over the years, and the term Russian mail order brides means more than just a few letters and picture of a woman. It means real interactive communication with the woman that you are interested in, may be even your future bride. Agents are aware and more experienced when it comes to finding the best match for you, and their goal is to do that. They know about the Russian scams and they are trying to do their best to get rid of them completely. Before starting your Russian bride search, you should explain to your matchmaker what you are really looking for. Specify what type of profile you are looking for and why. Men sometimes are searching for a bride in Russia just for a thrill of meeting a lady who is different than what they are used to see at home. The truth is, the women have real feelings and want someone who is interested in true love and marriage. These women are hoping you might be the one to treat them well, and respect them. Marriage is a serious step and taking on a Russian bride is not a game. If you are only looking for a temporary date or a one night stand then it is better to make this clear right from the beginning. Otherwise you can risk ending up with someone that loves you but you will never love. Russian ladies in love are very loyal and you might feel bad about eventually having to hurt her feelings. There are many examples of very successful relationships between Russian women and foreigners. My advice is – make sure of what you are looking for. Learn to read between the lines to see if the woman is really interested in you. Get to know her well before asking her to marry you, and make sure she is the one you are ready to spend your life with.