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| + | </ul><div style="word-break:break-all;width:650px;"><br> Little Known Ways to Protect Your Investments in a Recession<br/><br>American has weathered more than a dozen recessions after the end of the Great Depression, but many financial analysts consider the tough economic times of 2008 and 2009 to be both “historic and extraordinary.” Although some will blame the lower lending standards pushed on financial institutions during Bill Clinton’s two terms, the fact is that the makings of the present crisis go back at least to FDR, if not all the way to the creation of the Federal Reserve Bank in 1913.Despite government interventions in the economy,[http://raybansireland.freetzi.com ray ban ireland], or ever perhaps because of them, the commonly heard phrase even now is that things are “likely to get worse before they get better.” It really is not dependent on who the President is or what he does. Experts are predicting “a serious contraction” of the economy that could ease possibly by the beginning of 2010. However, these predictions are being made by many of the same people who were behind some of the “bonehead” moves of the last decades. What can you really do to protect your investments?Diversity plus understandingFirst of all, the age-old advice not to put all your eggs in one basket is still good today. Your portfolio should be diversified, and with deliberation and thought going into it, not just diversification for the heck of it. If you think you will make some “easy money” by “flipping” real estate or buying the popular, high-flying stocks, you have come up with that idea about a year or two too late. The familiar mix is still a good one – some real estate, some savings, some bonds and some mutual funds (which are themselves invested in stocks, bonds and money market accounts). Now that’s diversified.It is critical that you understand what you expect from your savings and investments. What is the goal, and what do want the money for? The purpose of investing should never be “to get rich quick,[http://nikeairmaxcanada.orgfree.com nike air max canada],” but to provide income now or later, for current needs or retirement. Reconsidering your aims will help you to focus your efforts in the right places. In fact, one little known way to protect your investments is to change some of them, especially if your goals have dramatically changed. How sad it is that ongoing reviews of your investments and goals have become “little known ways” of protecting your investments!Communication and calmnessObviously, you need a good relationship with your financial advisor. Or perhaps this is not so obvious, since studies indicate that only half of even serious investors know their account executive by name. You need to know yours, and have a serious discussion about your goals, whether stable or changing, and get the information and advice you need to make the important decisions. Younger investors may accept a higher level of risk, but at any age you must balance potential return with the potential downside. The closer you get to retirement, the less sense it makes to take on additional risk. No matter what your situation,[http://montblanccanada.ueuo.com mont blanc canada], of course, never take on more than you can handle, and make sure your financial advisor understands your overall investment philosophy.If you have that good relationship with your advisor, and your have these conversations regularly, then you have tremendous incentive to keep calm, though others around you “may lose their heads,” as the saying goes. Among the biggest problems in tough economic times is the propensity of people to panic. However, panic has a hard time taking hold in an environment of rational discussion and common sense.Cashing in your investments out of fear, with the plan to selectively buy your way back into “solid gold” investments, is a strategy doomed from the outset. Be very cautious about TV financial commentators telling you that “now is the time to buy” and that there are “bargains galore.” Skepticism is a little known way to protect yourself in this arena, as it is in so many others.Patience and preparationIt is almost scary how little known it is that the main thing that makes a difference in all of these considerations is time. A down market may or may not be a great time to buy stocks, but the most important thing to realize is that gains take time to manifest. If you are not an experience online trader getting good, professional advice, don’t try to time the markets. 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Revision as of 12:39, 21 May 2013
Contents
- 1 Nous souhaitons à tous les lecteurs un très Joyeux
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Nous souhaitons à tous les lecteurs un très Joyeux
Holi en Inde Un festival de cadeaux, de couleurs et de festivités
Holi (jours) sont ici. Le festival de peinture de l'Inde est prête à rouler et donc évidemment son nouveau moment de l'année pour peindre la ville rouge. Oui! Aucun autre festival pourrait en fait correspondre à l'enthousiasme sauvage et rauque de Holi. L'air serait soudainement être rempli avec les ministrations anesthésiants de Holi,air jordan france, reflétée dans le comportement des jeunes et les vieux, les amis et ennemis qui, en fait, serait de sortir de leur chemin et trouver des amitiés colorées en enduisant les uns les autres avec gulal, hurling des ballons d'eau et il va sans dire, par un échange de cadeaux Holi. Les magasins en ligne offrent en effet une flopée de Holi idées de cadeaux qui seront effectivement rendre le destinataire se sentir spécial.
Origine de Holi
Il ya plusieurs histoires liées à l'origine de Holi,air jordan retro 3 pas cher. Cependant, une légende populaire veut que Hiranyakashyap, le roi démon, qui se considérait comme le maître de l'Univers a été offensé par ses fils dévotion fidèle au Seigneur Vishnu. Le roi a exploré plusieurs manières choquantes pour tuer son fils, mais finalement il a cherché ses Holikas sœurs contribuent à faire disparaître avec son fils. Selon le plan, Holika saisi Prahalad et assis avec lui dans le milieu d'un feu ardent. Contrairement à ce plan, Holika a été réduite en cendres, tandis que Prahalad a survécu. La morale de cette histoire est: victoire du bien sur le mal. Pour commémorer cette histoire, de grands feux sont brûlés au cours de Holi.
Holi en Inde moderne
Depuis des temps immémoriaux Holi a été une partie intégrante des traditions indiennes. Cependant, la meilleure partie étant: la popularité de ce festival est évidemment augmente chaque année. Peut-être parce que, aucun autre festival de donner sans réserve tellement les gens la liberté et de la liberté, que le festival de Holi fait. Les gens se tournent animaux de jeu littéralement et sur le dessus de celui-ci pour stimuler davantage l'esprit de la fête il ya sanction sociale complète à s'enivrer avec la tradition de bhang. La situation s'avère totalement sauvage pendant les festivités que les gens dansent follement au rythme de dholak et aux côtés de chanter des chansons folkloriques en tangage fort. Et voilà,air jordan retro 1, les enfants semblent apprécier le plus car ils semblent tous être courir entièrement armés de leurs missiles de l'eau et des ballons remplis d'eau, en ciblant un et tous ceux qui osent croiser leurs chemins.
Au milieu de tous ces jeux de Holi, les gens aiment aussi à mettre la main sur la bouche d'arrosage Holi spécialités comme gujiya, malpuas, mathri, puran poli, dahi badas etc avec des verres pleins de thandai.
Holi Célébrations à travers les États
Punjab: Au Pendjab sikhs célèbrent le Hola Mohalla. Il est joué dans une aussi grande échelle si bien que NRI se retrouvent entraînés à cet état surtout pendant cette période pour célébrer Holi en grand style.
UP-Barsana est l'endroit parfait pour être si vous êtes vraiment intéressé à jouer Lath Mar Holi en mode big-bang.
Bengal: Shantiniketan, fête Holi avec musique
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Gujarat: Holi est célébré avec beaucoup de verve et d'enthousiasme dans le Gujarat. Les jeunes garçons à Ahmedabad font d'énormes pyramides humaines et tentent de briser le pot de babeurre pendus haut dans la rue.
Nous souhaitons à tous les lecteurs un très Joyeux, vilain et fun-lourd Holi 2010. Elle est célébrée le lundi 1er Mars 2010. </ P>
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Exercising Your Way Out of Chronic Pain
Home | Health & Wellness</p>
A lot of people think that dealing with chronic pain requires a lot of expensive medication and frequent visits to pain specialists. It doesn’t have to be that way, because something as simple as exercising may help alleviate your chronic pain complaints.
Generally speaking, chronic pain is pain that lasts for three months or longer. The most commonly reported cases of chronic pain are that of the back and the neck muscles. The neck is important in keeping the head in place and holding it up. Our back, on the other hand, is the so-called “workhorse” of our body. It carries the burden of the entire body and is responsible for almost every move we make. And because of the important functions these muscle groups carry, they are more prone to straining.
What are possible causes of Neck and Back pain?
Studies have shown that some chronic neck and back pain may be caused by these common reasons:
Muscle strain. Overuse of the neck muscles and improper posture may cause muscle fatigue, and eventually, neck and/or back strain.
Arthritis. The neck joint is no different from any other joint in the body, it also deteriorates with age and acquires arthritis.
Disk disorders. Any disorder related to the disk in between the vertebraes may cause neck pain.
Injury. Injuries that may cause over-stretching of the soft tissues of the neck and back may cause chronic pain.
Exercise
The cheapest and simplest way to relieve your self of chronic muscle pain is to exercise. Exercise has been noted to help with a lot of condition, from treating depression to improving memory retention. Exercise takes out the possible risks from being inactive for a long while. It also increases the benefits of being active.
The body’s muscles,nike free run ireland, including the heart, lose its strength and start working less effectively when the body has been inactive for quite a long while. You place yourself at high risk of getting high blood pressure, high cholesterol and/or diabetes. Lack of physical activity also increases fatigue, stress and anxiety. Lack of exercise makes the body lose its conditioning, therefore contribute more to chronic pain.
It is understandable that it is difficult to get started with an exercise program, especially if you are currently experiencing chronic pain. However a little sacrifice is necessary to ensure pain relief. Here are some of the benefits you may get from exercising:
It signals your body to produce and release endorphins. Endorphins block pain impulses from reaching pain receptors in the brain. They also generate a feeling of well-being,tiffany and co australia, alleviating anxiety and depression,polo ralph lauren.
It helps build strength. The more exercise you do, the stronger your muscles will be. And the stronger your muscles become, the more force and load it takes off your bones and cartilages � less stress, less pain.
It helps increase flexibility. When joints are able to move their full range of motion, they are less likely to feel aches and pains.
It helps improve sleep quality,http://montblancaustralia.altervista.org/. Exercise triggers the release of endorphins that give a sense of well-being, and it lowers the release of stress hormones, resulting in a better, more restful sleep.
A lot of people are afraid to address their chronic neck and back pain concerns in fear of spending a lot on medicines and consultation fees. Because of this fear they tend to overlook the simplest and easiest way to alleviate themselves of this burden � exercising. A simple walk around the block or a 15 minute bicycle ride may seem to show no immediate effect, but you’ll be glad you did it in the long run.</p>
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Right Facts On How To Get Rid Of Louse Infestations
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The first step in effectively remedying head louse problem is to get the facts straight on louse. Remember that lice and the methods for relieving head louse problems are not always what they seem to be.
There are Many Myths
Sometimes it can be hard to get rid of louse problems simply because there are so many myths surrounding lice and how to get rid of them. You might be one of those who believe in the common myths,http://abercrombieireland.orgfree.com. Some common myths are:
- Only untidy or dirty kids get lice. - Too much outdoor exposure can give your kid lice. - Using chemical lice treatment ahead of time is a good way to prevent lice problems,mbt ireland. - Lice fly and hop and your kid can get lice just by being in the same room as other kids with lice. - Itchiness is a necessary sign before you can conclude that your kid has lice. - You don't need to do anything else other than treat your child for head lice.
These are myths which can prevent you from getting the right treatment to louse infestation. Not believing in them is the first step to get rid of louse infestations.
There are Ways
At first, anyone would think that it's impossible to get rid of head louse problems. You shouldn't panic though because it can be done. The first thing you have to do is to make sure first that your child really has lice and that there really is a need to get rid of louse problems. Chemical treatments may be harmful to your child if used without a real need for it. Once a need is established, you should follow a three step process. Concentrate first on killing the lice and then move on to killing the nits. The last step is to clean your child's things and your house.
A Very Common Problem
Lice infestations are a very common problem among parents who have children from 3-12 years old. Sadly though, kids teasing each other are also very common occurrences even if the bullies have lice too. This is why aside from learning how to get rid of louse infestations, you should also learn to provide emotional support to your child,polo ralph lauren. Let him know that he is not alone and that most kids really do get lice.
Identifying Lice
Just because your kid complains of head itchiness doesn't mean that he or she is infested with lice. Some kids just don't feel the itch. The only real way to find out if your kid has lice is to manually look for lice and nits. If you have poor eyesight, you should use a louse comb. Determining the real need to get rid of louse infestations can help you find the right treatment.
Proper Treatment
Effective treatment of the problem depends on several factors,nike air max australia. You may need to look at your child's personal health condition first before using a chemical based product. The severity of the lice infection also needs to be checked. You may have to look for alternative methods to get rid of louse problems if your kid has very resistant lice.
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An introduction to Specialty coffee
Home | Health & Wellness</p>
Specialty coffees differ from one place to another for couple of reasons,ray ban australia, including the way in which it has been grown, the altitude,nike free run 3, the area, the soil, and even in the way in which farmer cares for the coffee bean,http://nikefreerunireland.freevar.com. Like the gourmet coffee, specialty coffees would differ from one country to another, one region to another, and year to year. Even the way the roaster treats the coffee to would have a big impact on the final taste.
Arabica Coffee beans
Arabica coffee beans are actually the most hunted after beans in the specialty market. They get special care and concentration all through the process of growing, milling and as well during roasting. Arabica coffee generally grows at high altitudes (maybe above 3,000 feet),louis vuitton australia. This type of bean offers us with the finest tasting coffee.
Robusta Coffee beans
Robusta coffee beans are a very cheaper variety of coffee that is grown below 3,000 feet altitude. It is known as the poorer quality bean. Traditionally this has bean used to create cheaper blends and is used to ��cut�� a blend having Arabica. Drunk on its own it tastes reduced, with a small taste of rubber. This is not to say we need send away Robusta out of hand; many roasters use Robusta to brighten a blend.
The Roasting Process
The roasting process has a huge bearing on the ultimate quality of the cup. The uppermost quality coffee would taste poor if over- or under-roasted. Most coffee roasters when contribution you a fastidious coffee bean would tell you the degree of roasts, which they have employed or recommend. When roasting for one��s self it is best to pursue the roaster��s guide as they again are using their information of the coffee bean to tell you how this bean is most excellently presented.
Conclusion
To sum up, the world of specialty coffee could be quite intimidating for the newcomer. However by purchasing from a excellence supplier and taking for the right recommendation from the many sources accessible via the Internet, it could be a very satisfying journey around the continents, knowing the many and varied tastes that specialty coffee has to offer.</p>
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Levitra Improves Erectile Function in Patients Taking High Blood Pressure Medications
Home | Health & Wellness</p>
One of the biggest fears men have when prescribed anti-hypertensive medications is the effect these drugs will have on their sexual performance. Recent studies revealed that Levitra can counter these effects. A person with hypertension or high blood pressure may now be able to treat their high blood pressure condition with multiple anti-hypertensive medications and still enjoy a healthy sex life,nike free run australia. In this article I will touch the ground with the results of recent scientific research.
Levitra is one of three FDA approved oral phosphodiesterase type 5 (PDE5) inhibitors which are used to treat erectile dysfunction. The other two are Cialis and Viagra. PDE5 inhibitors relax narrowed or hardened penile arteries to the point where they will allow blood to enter the penis and create an erection in patients with ED.
E.D. or Erectile Dysfunction is a man��s inability to obtain or maintain an erection and usually involves compromised penile arteries; arteries which have been narrowed and/or hardened most likely by the build up of cholesterol or plaque within the arterial walls. E.D. Can be caused one of several factors, which include poor eating habits, high cholesterol intake, smoking, stress, lack of exercise, high blood pressure conditions, etc��
One of the most common side effects associated with anti-hypertensive drugs is impotence.
High blood pressure medications and more in particular, those which contain either beta-blockers or diuretics have the effect of reducing a person��s ability to obtain an erection,http://mbtireland.6te.net.
For this reason, most men fear high blood pressure treatments. Fortunately, though recent studies reveal that sexual performance can be reestablished in men taking either one or multiple anti-hypertensive medications if the treatment also includes the use of vardenafil HCl (Levitra).
One Particular Study and its results
Recently, an extensive study relevant to the problem was performed in Germany. The study included 354 patients from 98 primary health care facilities in Germany. Apart from their high blood pressure conditions, all patients had been suffering from ED for at least 6 months,pandora charms. All participants were also taking either 1 or multiple anti-hypertensive medications including diuretics,nike shox australia, beta-blockers, ACE inhibitors, calcium channel blockers, etc�� Alpha blockers were excluded.
In order to rule out psychological factors a portion of the participants received a placebo pill instead of Levitra. The rest of the participants received Levitra in 5 to 20 mg dosages. Participants were required to continue the treatment for a 12 week period.
All participants were required to keep a diary which included their answers to standardized questions concerning their particular ED issues. Eighty-three percent (83%) of patients taking the real Levitra claimed they were successfully able to have sexual intercourse with their partners. Only fifty-three percent of the participants taking the fake or placebo pill were able to do so. It made no difference whether the patient took either one or multiple anti-hypertensive pills simultaneously.
The fact that Levitra improved erectile function in patients taking multiple anti-hypertensive medications confirms the fact that it's possible to treat hypertension and at the same time prescribe an effective medication to treat ED. The study reveals that when a doctor treats patients with both high blood pressure and ED, combining Levitra with anti-hypertensive drugs will be beneficial 83 percent of the time.</p>
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Football Knee Brace - How They Can Help You (or Your Child) When Playing The Game
How are your knees feeling when you are playing football,adidas jeremy scott?
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Unfortunately, all it takes is for your foot to be planted and you twist your leg to pop a ligament in your knee. Otherwise,http://mbtireland.freeoda.com, if you did not hurt your knee by yourself, the injury might actually be the result of a traumatic incident. For example, someone hits you from the side or from an angle which forces your knee into an awkward position to the point where you hear a "Pop"! There are moments when you might not hear any noise, when your ACL is injured, but when you try to move you will find that your knee instability "has flown out the window"! - Chances are that you don't want to hobble your way through the next six weeks do you?
Knee braces for the sport of football can be extremely effective. They do not have to be custom made either, contrary to what some people may tell you. Custom made knee supports can be effective in providing you with stability. This is true... but they can also be effective at tearing a hole into your wallet as well! - Most of the time, well designed non-custom knee braces fit extremely well,isabel marant ireland, unless you have a knee shape that is abnormal. This is not the case for the vast majority of people. Don't forget this point. This is a very effective tip at saving some serious cash, while you are on your way to protecting that knee of yours.
In the end, the choice is yours. You can opt to invest in a knee support, or you can choose to go without one. Just remember this, the game moves at a quick pace. The game also demands respect. If you (or your child) develops a knee injury, "the season" may come to an abrupt stop. Surgery can be an effective treatment method, but how many times have you heard the phrase "season ending surgery"? - Whether your injury is small or large, or it is not existent yet, it is a very good idea to consider getting one of these knee supports. They can really help to provide you with meaningful support that can prevent damaging movements from occurring. - Do yourself (or your child) a big favor by treating your knee pain or instability problems today. You don't want to look back six months from now with any regrets.</p>
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Schwinn 460 Elliptical Trainer Review
There are thousands of elliptical machines on that market today, and many people find it difficult to find the one that's right for them. The most important detail to pay attention to when shopping for one is how it fits you. If a machine feels awkward to use, then it's most likely not for you. Make sure and try out several before you commit to buy.
Elliptical machines come in three different main styles: front drive, rear drive and center drive. Front drive is by far the most popular because it is not only smooth, but because it is also more affordable than a rear drive. Rear drives are most often of the highest quality, and they feel the smoothest, but they come with very high price tags in most cases. Center drive elliptical machines are quite rare, and should probably be avoided.
Elliptical machines also differ when it comes to hand grips. These hand grips are used for upper body training,timberland ireland, more specifically the arms, chest and back. They can make a huge difference in results,insanity workout ireland, and I recommend getting a machine that includes them even if you don't plan on making use of them.
What Else is There?
There are tons of features that come with each and every elliptical machine, some more important than others. I'm going to outline the best features of the Schwinn 460 Variable Stride Elliptical Trainer today.
Programs
The Schwinn 460 Variable Stride Elliptical Trainer has 16 different programs to choose from, ranging from terrain to time. It also includes heart rate controlled programs. These programs can help you keep your heart rate in the target range for the duration of the workout.
Creating your own routine in the Schwinn 460 Variable Stride Elliptical Trainer is an incredibly powerful tool. You can set the resistance to increase after a certain time, or really anything else you want to do with it. It's one of the best features in my opinion, and it can really help with busting through plateaus.
Variable Stride
Most variable stride machine are incredibly expensive, but the Schwinn 460 Variable Stride Elliptical Trainer comes at a very affordable price. Having a variable stride let you do some pretty amazing things. You can target certain muscle groups depending on what stride length you take, and it can also be a great feature for people who's stride is above average. I personally love this feature, and I strongly recommend getting a variable stride machine for yourself.
The Bad
This machine is all around excellence, but I do have to pick some parts of it I don't like just to give you a better feel of the machine. It is quite difficult picking out bad points of this machine, because it is of great quality and very,Jordan shoes, very affordable.
300 Pound Weight Limit
To some people, this might seem like a great weight limit. But for many of us,http://michaelkorscanada.xp3.biz, it just doesn't cut it. To be honest, the weight limit could probably be much higher than this, but Schwinn has decided on a cut off of 300 pounds. For the person on the heavy side, this could possibly be a huge turn off.
In Closing
For a variable stride machine, the Schwinn 460 Variable Stride Elliptical Trainer is incredibly affordable. There are some downsides, but overall this machine is of great quality. If you're looking for a variable stride machine, then I strongly recommend this product. The Schwinn 460 Variable Stride Elliptical Trainer gets a strong two thumbs up from me.</p>
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5 Tips for Getting Nutritional Supplements That Needn’t Break the Bank-c
Home | Health & Wellness</p>
Is the only thing holding you back from investing in a supply of nutritional supplements the amount that you expect to spend? If so, hold onto your hat… because nutritional supplements do not have to take a major chunk out of your bank account! In fact, contrary to popular belief, they can be extremely cost-effective, especially compared to pharmaceutical counterparts.
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1. Shop for Vitamin Nutritional Supplements Online
Sure, you want to patronize your local natural foods store for nutritional supplements. That makes sense. However, if you're budget-conscious, you should know that you can often find nutritional supplements for closer to wholesale costs online.
Obviously,http://vibramfivefingersireland.xp3.biz, you'll want to buy from a reputable vitamin nutritional supplements seller with a spotless track record. That way, you can be assured of quality and convenience.
2. Pick Nutritional Supplements That are Jam-Packed with Vitamins You Need
Are you looking to ingest vitamin A, folic acid, feverfew, and zinc? Instead of buying four different nutritional supplements, you could more wisely spend your money on one or two bottles of nutritional supplements that contain most or all of the vitamins and minerals you want.
Typically, buying products (such as multi vitamin nutritional supplements) that contain many ingredients is an exceptional way to stretch your money. Just make sure that you're getting the same amount of the ingredients as you would if you bought them separately.
3,http://longchampireland.ueuo.com. Look for Nutritional Supplements Sales
Yes, many online and brick-and-mortar companies offer nutritional supplements on sale periodically. Be watchful for such savings and you could get some serious deals. (Just be certain that the company isn't selling you outdated nutritional supplements. If it's the first time you've bought from them, protect yourself by asking about the products' expiration dates.)
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Got Dry Skin? Use Only the Best Moisturizers for Dry Skin
You may have never heard of this, but did you know that your skin won't get its much-needed moisture if you use products that merely add moisture to the skin? The best moisturizers for dry skin are in fact those products that improve the skin's ability to preserve its moisture level.
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The best moisturizers for dry skin are manufactured using ingredients such as Nano-Lipobelle H-EQ10 (a non-emulsion form of the antioxidant coenzyme Q10), phytessence wakame, and Cynergy TK. These special and natural ingredients are up to the task of helping your skin boost its moisture level.
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Little Known Ways to Protect Your Investments in a Recession
American has weathered more than a dozen recessions after the end of the Great Depression, but many financial analysts consider the tough economic times of 2008 and 2009 to be both “historic and extraordinary.” Although some will blame the lower lending standards pushed on financial institutions during Bill Clinton’s two terms, the fact is that the makings of the present crisis go back at least to FDR, if not all the way to the creation of the Federal Reserve Bank in 1913.Despite government interventions in the economy,ray ban ireland, or ever perhaps because of them, the commonly heard phrase even now is that things are “likely to get worse before they get better.” It really is not dependent on who the President is or what he does. Experts are predicting “a serious contraction” of the economy that could ease possibly by the beginning of 2010. However, these predictions are being made by many of the same people who were behind some of the “bonehead” moves of the last decades. What can you really do to protect your investments?Diversity plus understandingFirst of all, the age-old advice not to put all your eggs in one basket is still good today. Your portfolio should be diversified, and with deliberation and thought going into it, not just diversification for the heck of it. If you think you will make some “easy money” by “flipping” real estate or buying the popular, high-flying stocks, you have come up with that idea about a year or two too late. The familiar mix is still a good one – some real estate, some savings, some bonds and some mutual funds (which are themselves invested in stocks, bonds and money market accounts). Now that’s diversified.It is critical that you understand what you expect from your savings and investments. What is the goal, and what do want the money for? The purpose of investing should never be “to get rich quick,nike air max canada,” but to provide income now or later, for current needs or retirement. 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Be very cautious about TV financial commentators telling you that “now is the time to buy” and that there are “bargains galore.” Skepticism is a little known way to protect yourself in this arena, as it is in so many others.Patience and preparationIt is almost scary how little known it is that the main thing that makes a difference in all of these considerations is time. A down market may or may not be a great time to buy stocks, but the most important thing to realize is that gains take time to manifest. If you are not an experience online trader getting good, professional advice, don’t try to time the markets. Never think that you can pull off one “big deal” to make a “killing.” This is a formula for disaster.Preparation, of course,Jordan shoes, is key. Whether you are trading stocks or taking the buy-and-hold approach, you need to be aware of what your money is doing. 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