On-line trading has exploded exponentially in the past few years. Any stock options investor ought to work with a dealer in order to enter their particular investment instructions.

Orderly selling marred stock market returns on Monday, March 9th - yet again. All major U.S. stock indexes finished in the red, with the Dow, S&P 500, and NASDAQ all plunging by more that 1%. Fittingly, multiple sectors lost significant value and are trading at decade lows. The carnage is highlighted by the fact that 506 of the 3,066 issues trading on the New York Stock Exchange touched 52-week nadirs on the session.

The Dow Jones Industrial Average has broken down to 6,547.

Technology stocks shed dollars upon recession fears. International Business Machines (NYSE: IBM -2.72% / $83.48), Google (NASDAQ: GOOG -5.73% / $290.89), and networking bell weather Cisco (NASDAQ Ticker: CSCO -3.81% / $13.62) were all drubbed.

Of course, there were but a few winners trading higher.

Alcoa and ExxonMobil were bright spots on the Dow. These basic materials stocks advanced upon speculation of an impending OPEC production cut and the machinations surrounding China's very own economic stimulus plan. Aluminum heavyweight Alcoa rose .18, or 3.45% to $5.40, while Exxon added 52 cents to $64.55.

Bank of America (NYSE: BAC) shares also skyrocketed by 19% to close at $3.74 per share. The large move arrives courtesy of a successful $8 billion debt offering by the Charlotte mega bank. Of course, sixty cents appreciation is of little consolation to long term BAC holders that have witnessed their Bank of America holdings deteriorate from $50 to $3 over the past two years. Financial stocks have been completely destroyed by this economic debacle.

Merck and Schering-Plough Announce $41 Billion Merger

Merck (NYSE: MRK) and Schering-Plough (NYSE: SGP) announced a reverse-merger. The pharmaceutical giants will label the resulting company Merck, although Schering-Plough is listed as the surviving entity.

SGP shares spiked on the news by 14% to $20; while Dow 30 component acquirer Merck fell by 7.7% to $20.99. The acquisition did nothing to inspire confidence in Big Pharma. Johnson and Johnson and Pfizer shares retreated by 2.9% and .8%, respectively.

The mood on Wall Street has become so dour that not even a blockbuster $41 billion deal is able to stoke markets. Still, somebody, somewhere is making money.

March 9, 2009 Wall Street Recap, Sources
Phil Mintz, Merck is Buying Schering-Plough for $41 Billion, http://www.businessweek.com/bwdaily/dnflash/content/mar2009/db2009039_430130.htm?chan=top+news_top+news+index+-+temp_top+story
Rita Nazareth and Lynn Thomasson, U.S. Stocks Fall on Buffett, World Bank Warning About Economy, http://www.bloomberg.com/apps/news?pid=20601087&sid=acmiX_sr8yuc&refer=home
Alexandra Twin, For Dow, another 12-year Low, http://money.cnn.com/2009/03/09/markets/markets_newyork/index.htm

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Late Night Cabs to DUMBO to Get Even More Difficult with Additional Ramp ClosingsNeighborhood: DUMBO
Brooklyn, NY 11201
United States of AmericaLate night cab rides from Lower Manhattan to DUMBO and Prospect Heights are about to become even more difficult. Yellow cabs are already wary of Brooklyn trips due to the construction on the Brooklyn Bridge. However, starting November 1st from 1AM to 6AM the Brooklyn-bound on-ramps at Centre Street and Park Row near City Hall in Manhattan will be closed.

All traffic trying to cross the bridge will be detoured to the Pearl Street on-ramp according to the Department of Transportation Notice sent to Community Board 2.

It's best just to use the Manhattan Bridge for now when returning late at night. The Brooklyn-bound on-ramps will be closed for most of the month of November-Mondays through Saturdays.

Sources:

http://www.nyc.gov/html/dot/downloads/pdf/20101022_notice_brooklyn-bridge_ramp_closures.pdf

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What exactly is the Stock Market? It's a good prepared process exactly where any person and everybody can certainly possibly invest in or perhaps promote their own stocks and shares or maybe shares

Teaching kids about the stock market can be a real challenge. It is usually pretty difficult for parents to understand, so getting kids to understand it can be even more difficult. For those who homeschool, it may be easier to come up with a project that will help your child to better understand.

For this project you will first need to do a bit of research. When planning out your lesson plan you will want to get some monopoly money together to use with your project. You will also need to get your local newspaper that has a financial section that you can use for the project. Take the financial section of the paper and hang it up on a bulletin board. You will also want to do a bit of online research to find plenty of worksheets. You can visit websites like www.moneyinstructor.com. Here you will find some educational worksheets that will help you introduce the topic to the stock market.

When you have finished all of your research you will want to first go over the lesson with your child. Next you will give your child at least $100 to invest in a particular stock. Look through the financial section of the paper and have them pick out a stock that seems interesting to them. You can then have them give you the monopoly money for the number of stock that they want to purchase.

Basically, you the teacher, will be the investor working for your child. Each day you can check the particular stock to see if they have gained anything or loss anything. Have your child create a chart to show how the market has grown and how it has gown down. Since the stock market deals with points it should be very easy to track. This can be an ongoing project. At the end of each days lesson you can have them update the graph. At the end of a few weeks you can have them sell the stock and then they can be paid with the monopoly money for each point that it has grown. Remember that you can change this project to whatever will help your child to better understand how the entire process works. The key is to make the project as fun as possible so try to be creative with this project. What is really nice is that you can start and restart this project as much as you want.

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Stocks along with small price/book quotients or price/earnings quotients. Until recently, worth stocks and shares get enjoyed increased normal results than progress stocks and shares (stocks having large price/book or P/E quotients) in many different places

As your frustrations mount in an ever changing stock market have you changed your investment strategy? Do you wonder who is making money in the market and how they do it? Do you read a constant flow of books teaching the hot ideas of stock market strategies? In desperation do you listen to the constant bombardment of market gurus on the financial channels?

If you see yourself in any of the above scenarios you will benefit from the 4 principles to picking winning stocks in todays stock markets. Why? Because there are an endless amount of variables that effect your investments and you need some guiding principles which we call tactical principles. These are different from strategies you employ such as buying stocks that pay dividends or diversifying your portfolio. These principles have helped all professionals stay close to profits in down markets while creating large gains in up markets.

Invest in Financially Sound Companies

Companies whose products you see everyday is a great place to start. Do you buy Clorox bleach, Campbell's soups, Dell computers, Apple iPhone or see Caterpillar equipment. They are good examples of financially sound companies. What makes a company sound financially?

To start with always look to see how their price earnings or PE ratio compares with others in the same industry. If they lag a little bit it could be because they are overlooked or if they lag a lot maybe they are in financial trouble. Read news releases, search financial websites for articles on the company and don't forget to look at the company website.

If they pay a dividend then how safe is that dividend? Is the payout ration lower then 50%? If it is then you can bet it will pay that dividend or higher for a long time. The payout ratio is the annual dividend divided by the earnings per share.

Another key ratio is the debt ratio. This tells you how much debt they have in comparison to their assets. I like to compare their debt payments to their cash flow to see how much they struggle making that payment.

Earnings and revenues are key components in a sound financial company. Do they consistently make their quarterly numbers? If so they operate under a sound conservative financial plan of operations and have a great handle on their business.

All publicly traded companies must file with the SEC so all their financial documents are available for free. Review them thoroughly. This will help you sleep at night I promise.

Invest in Sectors that are Hot

Right now technology is a hot sector because of the mobile internet and health care is not because of new government regulations curbing expenses. Although we encourage diversification we feel that you can achieve diversification through the top 6-7 sectors that are hot right now.

Under a zero interest rate environment with the federal reserve we believe that materials, industrial equipment, technology, energy, chemicals, consumer staples, and banking are the sectors to be in at the moment.

As the recessionary recovery continues those sectors will change and mature and so should your investments.

Take Profits Early and Often

Over the years I have become a proponent of taking profits early and often. Why? Because of computer or flash trading. The market can react so quick that your investments with a nice profit can become a loser in a matter of seconds. Take for instance the recent drop in the market that left P&G down from $62 a share to $30 a share due to broker error on entering a large order in the system. Sure the SEC rescinded some trades but you get the point, it happens in a flash.

Have a goal in mind for the year. Mine is 20% return on the value of my portfolio on January 1st.

A good guide as to what constitutes a good profit is when it exceeds the dividend for the year. If you own a stock that will pay you annually $300 and you have a $400 dollar profit then take the profit and trade out of the stock. Chances are it will fall back in price and you can repurchase again and again. I have repurchased Apple Computers probably 4 times this year alone in my IRA making money each time. If like Apple they don't pay a dividend assume a 3% dividend as a basis to explore reasonable profits.

Always... Always... Have Cash Available

Always try and maintain a 10% minimum cash position for special occasions. Once in a while a certain stock will for no apparent reason drop in value. It usually happens because a mutual fund or a hedge fund must liquidate a position to satisfy cash flow requirements or to pay out a large redemption.

Don't assume you should always be 90% invested. Only invest when you can buy low and make a profit when you sell high. Sometimes you may only be 40% invested just wait till the market drops 3% or more then review the investments in light of the drop.

If you institute these simple stock picking tactics in your investment portfolio you will be surprised at the returns and lack of loses you will endure compared to a buy and hold or trying to grow your portfolio using high risk small cap stocks.

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Precisely what is your Stock trading game? It's a prepared process where by anyone along with everybody can possibly obtain or perhaps promote the stocks and options or shares

Penny stock investing is not for those who wish to park their money and forget it. The wild swings of the penny stock market almost make it inhibitive for anyone but insiders to make any real money in the penny stock market. But if you follow a few rules you may be able to align yourself with enough protection that you too can make a bit of money in the penny stock market. At least make enough money to buy some blue chip stocks, park your money, and forget about it.

Penny stock investing is a bit like elementary school popularity. If you're like most kids in elementary school you will remember times when you were really popular and then times when you were really unpopular. The same is true of penny stock investing. You need to be able to track an individual penny stock, look at its recent performance, see what the chatter is about it, don't believe any of it, and make your own decisions.

There is a lot of noise in the financial blogosphere; about 3% of it may be useful. In the world of penny stock message boards and discussion groups you've got to have tough skin. Don't let the bullies pick on you! If you can see through the smoke you too could be successful managing the swings.

When you're invested in a penny stock you have to be a total cynic. Anything the message boards say, anything the financial press says, anything the blogs say, anything the press releases say; it's all discounted for actual filed paperwork.

If your company isn't filing any paperwork at all you may wish to just put that penny stock in your back pocket (and/or sell it!). However if your company is filing the paperwork and the chatter is all about how they're not making waves, that's okay. The wild swings from vine to vine don't come without the groundwork strength building fundamental stage. Because there are no wild swings may be more reason for you to hang on a little longer in your penny stock.

There are no hard and fast rules for penny stock investing. You could buy in at a penny, give yourself a high five as you sell at a dime, and kick yourself as your penny stock climbs to $36 and gets bought out. However you can't win (or lose) if you don't play the game. Penny stock investing does go on some wild swings but for many the alternative 1% in a CD isn't going to cut it.

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If you are a beginner, before you start trading stock, ask yourself what your investment goals are.
Are you investing for income, growth or immediate profits?

If you are investing for income, you want a secure company in a solid industry. The stocks listed in the S & P 500 are a good place to start.Look for companies that produce consumables that people use year after year. Income producing stocks pay dividends. Dividends can be thought of like interest on a bank account. You are generally paid quarterly and the amount you receive corresponds to the number of shares you own. With these types of stocks, you buy and hold them for many years. The price generally stays steady. Income stocks are easy to find as all companies list dividends paid in their annual reports. Although all investments have an element of risk, for the beginner stock trader, income stocks can be considered less risky.

When you invest in a growth stock, you expect to see an increase in the price of the stock over time. It is rare for a growth stock to pay dividends. Growth stock investing can pay off with huge profits in the long run but, generally, has much more price fluctuation. Patience is needed to see your investment increase in value. To find growth stocks, look to industries that are undergoing change. The technology sector has had tremendous growth and has produced some huge stock winners.

If you are investing for immediate profits, you will be buying and holding your stock for short periods of time. Mostly less than one year and in the case of "Day Traders" only a matter of hours or even minutes. You need to do a lot of research, know the industries, know the companies and time your purchases and liquidations precisely. This type of trading depends on the volatility of the stock. Although the profits can be huge, the risk is high and not a type of stock trading for beginners.

Investing in the stock market doesn't have to be complicated. Find a strategy for stock investing and stick to it. Your strategy should fit your lifestyle. Do you want to spend everyday watching the market on your computer or do you want to "set it and forget it?" How much risk are you willing to tolerate? Will you break out in hives if the price of your stock dips by 5%? What about 25%? By determining your investment goals and your tolerance for risk even a beginner can succeed at stock trading.

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Methods to raise home convenience for the physically handicapped and elderly

For most of our adult lives my husband and I had wanted to build a house. It took his stroke for us to finally take the plunge. We really had no choice. The two houses that we owned were not good candidates to retrofit for Don's newly acquired needs and there were virtually no wheelchair accessible houses on the market.

Finding a builder who was knowledgeable about Universal Design in a town of 600,000 should have been easy---after all, the concept has been around since the 1980s---but it wasn't. The Home Builder's Association only listed one builder who specialized in that market niche and although his houses were beautiful, customized homes his starting price was twice what we had wanted to spend. But he was passionate about building for the disabled and even though he knew we couldn't afford his services he was generous with his time and he gave us the confidence we needed to go forward with our project.

All totaled, we called twelve well-known builders. Some had never heard of the term Universal Design. We were shocked! Other builders never returned our calls which, we believe, was a form of prejudge against the disabled. The building company we finally went with had built three wheelchair accessible houses, so they said, but we quickly found out that we had to bring our own research in to the design stage of the project. They were willing and able, but we were the experts when it came to Don's special needs.

Universal Design is not rocket science, but there is a wide variety of choices and decisions to be made. Just as every disability is different, every house for the disabled will be different based on the options taken and the budget you have to work within. The core, essential features of Universal Design homes are:

* at least one no-step entry way
* one floor living (or a budget for an elevator or chair lift)
* 36" exterior and interior doorways
* thresholds on the doorways that are flush with the floor
* a roll-under sink in the bathroom
* reinforced bathroom walls around the toilet and tub for the grab bars
* four foot wide hallways
* a five foot open radius in the centers of the bathroom and kitchen
* a roll-in shower stall or transfer tub that fits the special needs of your disability

In additions to above requirements, there are many optional features that can be incorporated into home to make it easier for someone with a disability. A few optional features of Universal Design that we included through out our house were: 1) lever-style door handles; 2) lower windowsills than the norm, so that Don gets a better view from a seated position; 3) single lever faucet handles; and 4) the carpeted rooms have a very short looped carpet with a dense commercial grade padding underneath that is glued on both sides. (The wrong choice of carpeting and padding can make it difficult-to-impossible for wheelchair and walker users.)

In the kitchen, a side-by-side refrigerate is a must-have for people in wheelchairs. We also included two microwaves---one low for Don, one high for me. The cupboard below our kitchen sink opens up fully from the countertop to the floor so that Don can get his wheelchair up under the sink. A section of our countertop is also open underneath and lower so that Don has a work station in the kitchen. There are many Universal Design options available for a kitchen including hydrolytic cabinets that go up and down and oven doors that open from side to side but this is an area of planning that will quickly drive up the cost of your home. The few options that we did include in the kitchen fit our life style perfectly with a minimal impact on our budget.

Our garage takes advantage of several common Universal Design features. The overhead doors are eight foot high, instead of the standard seven so that a pop-up van will fit. The garage is also large enough to unload a wheelchair from the side or the back of a van. We also have a parking space for an electric wheel chair with an outlet for the charger and a grab bar for transfers. Our electrical service box is in the garage instead of the standard basement placement. Another feature that is a favorite of Don's is that the entire garage floor is a gently slope.

This eliminates the need for a wooden ramp. To push himself around in his manual chair, Don only has the use of one arm and one leg and with a conventional ramp he would not have been able to roam freely from the house to the garage without my help. Our front sidewalk uses the same gentle sloping principl, so there is no visible ramp advertising that a disabled person lives within.

Anyone who is thinking of building a Universal Design house will find building component for the disabled all over the internet. A few books and magazines of plans are also available. Your local rehab hospital may also put out a pamphlet; ours did, as did the local Home Builder's Association. Most helpful was our local Advocates for the Disabled office; they had a specialist in Universal Design, disabilities and local building codes who reviewed our plans free of charge and made suggestions.

He also gave us a scale model wheelchair to run around the blueprint to look for ways to fine tune things like the swing of the doors, furniture and outlet placements, turn spaces for the wheelchair, etc. This was a very useful little tool. We also had my husband's occupational therapist go over the master bath plans so that we got it just right for his needs. (For resale purposes, we set up the master bath for a right-side disability and our spare bath is set up for a left-side disability but we've been told that most Universal Design houses sell by word of mouth---before they hit the open market---so resale value is not really an issue with these houses.)

If you decide to build a Universal Design house, my advice would be to start your research early and take your time doing it. Don't just build for what your disability is today, think down the road ten or fifteen years. Don't sign off on your blueprint until you are satisfied with your choice of options and the price. The Universal Design features that we included added just under $4,000 above the cost of building a conventional house and it was tax deductible.

A house built for a disabled person does not need to look any different from its neighboring houses. If you didn't see the grab bars in our bathrooms, no one would ever guess that our home is Universal Design. I honestly don't understand why able-bodied baby boomers who are building don't have the foresight to incorporate Universal Design into their plans. Even now that the house is almost a year old, we still can't believe that this beautiful, well-thought out and functional perfect house is really ours. Our only regret is that it took a stroke to get it built. ©

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DNA Hints At African Cousin To Humans - Science <b>News</b>

Gene profiles suggest people interbred with a now-extinct species on the continent not that long ago.

DNA Hints At African Cousin To Humans - Science <b>News</b>

Daily <b>News</b> front page splash &#39;flat wrong,&#39; says NBC : CJR

The New York Daily News was quick to splash Tuesday's front page with news that NBC's Hoda Kotb was being flown in to rescue the Today Show's Olympics coverage from Savannah Guthrie. The paper used two sources at ...

Daily <b>News</b> front page splash &#39;flat wrong,&#39; says NBC : CJR

Audit Notes: <b>News</b> Corp.&#39;s board, Romney&#39;s taxes, NBC&#39;s Olympics <b>...</b>

One problem for News International, however, is the wording of section 79 of the Regulation of Investigatory Powers Act, the hacking legislation under which eight senior News of the World journalists and executives have ...

Audit Notes: <b>News</b> Corp.&#39;s board, Romney&#39;s taxes, NBC&#39;s Olympics <b>...</b>