Is Day Trading Worth The Risks?

The stock market is a volatile place as stocks are bought and sold throughout the day for considerable profits and losses. The reason this is possible is because the prices of stocks fluctuate wildly during the day just as they fluctuate from one day to the next. This leaves the market open to those who relish the opportunity to profit off the pennies that others will sell to save. It can be quite a lucrative practice but carries with it a level of risk that is almost equal to investing in penny stocks.

The rush that is received from day trading efforts is often compared to the same rush addicted gamblers get when walking into a casino. In fact, those who have gambling problems are strongly discouraged from participating in day trading activities for obvious reasons. Investing in the stock market carries some risk as a rule. The risks are magnified when you enter into risky practices such as day trading but the high profits that this type of trading can bring about is often incentive enough for adventurous investors to take the risk. In fact, many enterprising investors make lucrative livings from day trading alone.

There are many that carefully analyze the market and create elaborate formulas for their day trading efforts to varying degrees of success. Those who do succeed in this particular business are very secretive as to their formulas and aren’t likely to share. The point is that this isn’t completely a game of luck. There is some degree of skill involved in making the numbers work for you as well as the smile of Lady Luck upon your fortune that is required in order to win at the game known as day trading.

Most day traders prefer buying and selling on NASDAQ because it is generally more of a roller coaster ride, ideal for day trading, than the New York Stock Exchange (NYSE). The problem with this type of living is that you must constantly watch the market for those tell tale signs that a shift is preparing to happen. Lunch and sanity breaks can bring about destruction if you are counting on trading a specific stock at a specific price for the day (going up or down).

If you are the type of person that doesn’t do well in stressful situation this is definitely not going to be the trading style best suited to your financial and sanity needs. This is a stressful gig often compared to the job of an air traffic controller. Though the lives of others aren’t in your hands only your financial future. The truth is that much like the radar screens at busy airports though the market is constantly moving and in you take your eye off the prize for even a second you could miss the moment you’ve been waiting for and disaster may strike. It’s a real rush for the adventurous sort and torture personified for those that are prone to nail biting and drinking antacids.

There are many ‘safer’ methods for investing your money that require a little more patience and produce a little less profit but are much easier for the nerves to handle. The Internet has made day trading a bigger way of life for more people today than ever before. The stress is shared by many people across the country though this is only one of many ways to invest big and earn big if you are so inclined. If you love taking risks though and have the time to dedicate to day trading this might be a great way for you to make the living you’ve always dreamed of making. This is a great job for those who love the highs and lows of a real roller coaster ride. Of course this is one job in which nerves of steel are a job requirement. Are your nerves strong enough to take the pressure?

Cause Joy!

Are Stocks or Mutual Funds a better Investment?

It may seem a little strange to compare mutual funds with stocks but you should so you make the best decisions to secure your financial future. Some of the more notable differences will be discussed below in order to help you decide which investment type is more suitable for your financial situation.

When it comes to investing for the everyday man or woman you really can’t beat mutual funds. Stocks carry hefty fees for buying, selling, and transferring that significantly hinder any profits that would otherwise be made from the transaction. In fact, these fees often serve to deter the trading of stocks rather than encouraging it. Perversely, big trading companies offer hefty discounts for their big spenders making the stock market trading game seem even more exclusive by making it easier for those who already have a great deal invested than they make it for the new guy trying to make his way on the market. Mutual funds are much more accessible to those who don’t have massive fortunes available to invest and need to make small steps (such as $100 a month) towards their financial and investment goals.

Mutual funds typically carry less risk than the average stock purchase as well. This happens for many reasons:

• First of all mutual funds are not generally invested in one sector, industry, or company. For this reason if one of the stocks fails, the proceeds from the other stocks and bonds purchased will help mitigate the loss, making it less noticeable. 
• At the same time, the loss is shared by a large group of people so that even if a slight overall loss is experienced as the result it will be much less noticeable than if the stock purchased was yours and yours alone. 
• Finally, the fact that the funds are already diversified to a large degree helps insulate from huge fluctuations in the market such as those seen recently when the sub prime mortgage industry bubble popped leaving many investors ducking for cover or wiped out.
• Share the wealth. Share the risk. Mutual funds offer a sense of community, commonality, and shared risk among those who buy into a specific mutual fund. This is a good thing most of the time as it enables a large group of people to share a much smaller portion of risk than if they were buying stocks of their own volition. 

• The existence of a fund manager means that there is someone “in the know” who is looking after the profit of the fund and that has the success of the fund at heart. This is something that you won’t find when investing in stocks. In fact, when it comes to the stock market the only people that really care about how your stocks are performing are those that you pay to care for these things such as your financial adviser, accountant, and/or stockbroker.
• Another thing to consider about mutual funds is that they are much easier to use and/or trade than stocks. They are much less expensive to trade as well. You can purchase mutual funds from your local bank, online, and through many online trading companies as well as through many company 401 (k) plans. In other words mutual funds go out of their way to make themselves accessible. 
• The most important thing, really, when it comes to buying mutual funds is that you devote some time to studying the history and performance of the fund you are considering to purchase as well as the fund manager for peace of mind.

As you can see there are a lot of differences between stocks and mutual funds. For small investors mutual funds are often the best route to take. Mutual funds are less risky and will give you good growth over time.

Cause Joy!

Who Loves You The Most, Your Dog Or Your Wife?

There is a story about a man who wasn't particularly fond of pets.  Perhaps he was just selfish!  Now he didn't mind a small bird too badly, but he was not a 'cat person' (too sneaky) or a 'dog person (too high maintenance).' However, his wife brought home a dog one day and said the "kids needed a pet."  It was a Chesapeake Bay Retriever and he named it 'Triever.'  Triever became a part of the family pretty quickly and followed the husband everywhere and especially liked to ride in his pick up truck. 

 

As happens on occasion, the wife became jealous of Triever and after a few months said the husband loved Triever more than he loved his wife.  He explained it was a different type of 'love' and that the dog 'loved' him in return.  Her eyebrows raised a little bit with that comment!  He said that Triever always followed him, licked his hand, and was anxious to be with him.  The wife said that she wouldn't lick his hands, but she was just as 'in love' with him as Triever.

The husband suggested they try an experiment to see just who loved him the most.  He said he had devised a sure fire way to test the love of both of them.  She was intrigued so she asked how they could settle this question once and for all time.  He said he would put both of them in the trunk of her car, close the lid for about 45 minutes.  The question would be answered when he opened the trunk and to see which one would jump out of the trunk and kiss him on the face and be happy to see him.  The doctor prescribed him some salve for the cut on his nose and recommended a cold steak for his eye.

My wife and I moved into our first apartment last year after having always lived in a free standing house ('standing' was the only thing free about it) for all of our adult life.  We have been married over 50 years – to each other.  The management told us that pets were allowed but it would cost us $750.00 per pet.  We had no pets and hadn’t had one in many years.

The last pet we had was a small curly little very hyper dog.  We were having some stress at work and everyone agreed that a pet, specifically a dog, would be good for stress.  I was one advertised in the paper and it said the current owner was going off to college and couldn’t take the dog.  If someone didn’t give it a home it would be given to the SPCA where it might be euthanized.  We called and met the guy in a shopping center parking lot, paid him $200.00 and took “Katie” home with us.  It was quickly apparent that ‘Katie’ would have nothing to do nor had any idea about when she gifted us with her first pile in the middle of the living room and she seemed proud.  Probably thought it was the least she could do for having rescued her.

I would take her out in the early morning and late night and she would not “hurry up.”  She would simply stand on her hind legs while leaning against the pull of the leash and stare at a fountain next door with running water.  The sound of the running water made me want to go, but not ‘Katie.’  When I took her to the park for a stroll, she would stand and lean against the pull of the leash and the two of us would stroll.  Both adults and children would point and laugh at the dog walking and the dog walker.

We didn’t have a fence around the yard so we put “Katie” on our deck with a baby gate to keep her hemmed in.  She ate through the floor of the deck.  She had eaten and scratched a big hole in the deck before we noticed it.  She hated being on the deck and we hated her crapping in the house.  Such a big hole by such a little dog!

Fast forward a couple of months and we discovered that “Katie” had been owned by another unsuspecting family who had given her up to the “college bound” boy because they couldn’t control her.  He saw an opportunity to make a couple hundred dollars and he cast his line.  We bit!  And we were hooked.  By now, we had several hundred dollars invested in my stress reliever and lots of gifts.

Katie's final gift was presented to me following our night time standing in the yard.  Katie and I went back inside and I was sitting at the kitchen table having some ice cream.  I began to get the aroma of another gift and when I looked down, there was a steaming pile of used dog food right between my feet.  Within a couple of days we found another home for Katie and we gave her her freedom with two dog houses, inside and outside, bowls, leash, collar, and a well used pooper scooper.  I began to feel better when the new owners were backing down my drive way with Katie standing on the front seat with her hind legs and her two front feet on the dash board.  We were both happy.

Too late I learned that there is a better way to have a pet and they are not all just 'plug n play,' there is a website, which can relieve many of the hard parts of owning a pet.  Click here and learn the right way to buy a pet, house a pet, train a pet, and love a pet.  After all, 'a dog is a man's best friend!'

Cause Joy!

Do We Hurt The Ones We Love? Do We Care About Others?

Those we love many times wound us the deepest. Something very important to us is taken, we believe, too lightly, misconstrued, or misunderstood.  On some issues we may never agree even with those that matter to us the most. Resolution seems out of reach. We need validation and convincing.  We are each one convinced we are correct and in keeping with God’s will.  How is that possible?

Why is it so hard for others to understand how we feel? Why can’t they see things our way? On our way to church on a recent Sunday morning we were discussing the pros and cons of why we were mired in such a conflict at church. Neither of us felt like going.  We are tired of the conflict.  We have taken our stand and we are convinced it is the correct one.  We were feeling depressed.

When we arrived at the Bible Study, the verse that was read was, “How good and pleasant it is when brothers, live together in unity.” 

“How good and pleasant it is
when brothers (and sisters{my add}) live together in unity!
It is like precious oil poured on the head,
running down on the beard,
running down on Aaron’s beard,
down upon the collar of his robes” (Psalm 133:1-2, NIV).

How do we reach that unity? Where is the balance between being convinced and able to accept our differences and respect each other’s point of view?

What about the hurt we're feeling Lord?  Will it ever go away?  Will I ever feel the same about those people or about any church?

God never demands that I urgently accept His point of view. Instead He whispers. Go beyond yourself, in fact—get over yourself. Take your ego off of the throne and worship ME.  Stop and consider the oil—precious anointing oil — freely poured over acrimonious words, over injured hearts.

Myrrh is found in anointing oil. It has many medicinal and healing uses. In ancient times it was used for cleaning wounds and sores. We have some gaping wounds today Lord. Because myrrh was used in the embalming or anointing of the dead, it represents mortality, suffering, and sorrow. God understands our sorrow. But He calls us to dwell in unity. He has provided the gentle oil of his presence that is freely poured out for us. We just need to be willing to get beyond ourselves and receive His gift to us.

Prayer:   Dear Father, when sorrow and sadness brought on by divisions arise, when we feel wounded Lord, when words cut deep, help us to just release them to you Lord. Let us receive your anointing oil, the oil of unity, the precious lubricant that you rub onto the wounds and hurts of our heart. Help us to extend the oil of unity to those I love. Amen and amen

Can A Church Be High Jacked From God??

Can A Church Be High Jacked From God??


I see in the online church talk that a 'Special Call Conference' has been called to have a "non-binding" vote on whether or not the members of WRBC have "Confidence" or not in the Sr. Pastor.  "Confidence" that he can do or will do what?  So I am guessing that since it is a 'non-binding' vote that members can change their minds.  So, a 'non-binding' vote which can be changed and with no description of why we are 'confident' or 'no confidence' it leaves me wondering what this all about.


Are the people on the 'petition of 100 (active?) members' confident that the Pastor will repeal the 'emergent church conversation' which some think that he originated or at least didn't stop it?  Some seem to think that M. T. has caused members to leave the church.  Is he causing them to leave the other churches around the world as well, or just here at WRBC.


The facts reveal that ALL churches are decreasing in membership and in contributions.  WRBC lost over 800 members during the previous pastor's reign.  Does 'no confidence' mean that you have 'no confidence' that M. T. will do what you want him to do or does it mean that if you vote "confidence" that he will do what you want him to do?


I voted, as did the vast majority of members to issue a call for M.T. to come to WRBC because I was confident that he would do what the God we worship each day led him to do for the benefit of God's kingdom.  I am 'confident' that he will continue to do that in spite of the fact that all members do not agree with His methods.
M. T. should be examining to  see if he still has 'confidence' or 'no confidence' in the members to keep their vow to Him.  


I do not deal in negatives, I will be casting my vote, and so will my family of three generations, on the side of 'confidence,' even tho' it still leaves unanswered the question of what each ballot individual ballot seeks to determine.


Pray with me:   O God the Father of our Lord Jesus Christ, our only Savior, the Prince of Peace: Give us grace seriously to lay to heart the great dangers we are in by our unhappy divisions; take away all hatred and prejudice, and whatever else may hinder us from godly union and concord; that, as there is but one Body and one Spirit, one hope of our calling, one Lord, one Faith, one Baptism, one God and Father of us all, so we may be all of one heart and of one soul, united in one holy bond of truth and peace, of faith and charity, and may with one mind and one mouth glorify you; through Jesus Christ our Lord. Amen.


Frankie says to be kind to one another.

Courage and Panic Attacks

Courage and Panic Attacks

A friend of mine who is ranked in the state for dead lifting very heavy weights of bar bells was suffering from occasional panic attacks before a match.  He knew he could lift heavier weights than most humans, but he never could get over the fact that he might be humiliated by someone better and bigger.  He was able to conquer his panic by summoning his courage and go ahead and just do it.  if you suffer from attacks, you do not have to go it alone.  Here is your first step to courage.

People who have never experienced a panic attack often judge the anxious person harshly.

The outsider has no real comprehension of what is happening to the person experiencing a panic attack and wonders why they fear to do the simplest things.
I know myself that I could not understand how overnight I went from being a confident young man to someone who became anxious of common everyday situations.
Going places took on a whole new dimension as I constantly evaluated if being there might trigger a panic attack.

I had to force myself to do very simple things like go to the cinema or drive in traffic. As a man that type of anxiety really erodes self confidence, as so much of male self esteem comes from being perceived as strong and brave.
…but here I was afraid to queue at the bank!

Today I know better. Through my own journey and all those I have worked with, I know now that anxiety disorders have nothing to do with a persons level of bravery.
I know this to be true because I have worked with many people from the ‘bravest’ professions around. Firemen, policemen, soldiers. All of them admired by others for their bravery.
Some of these individuals would actually prefer to run into a burning building than stay awake at night with a panic attack.
That sounds strange but it isn’t really. In a burning building they knew what to do and how to handle the situation. During a panic attack they felt powerless and out of control.
What you have to remember is that panic attacks and general anxiety have no relationship to the level of courage an individual has. In fact it has nothing to do with the world out there, -it is a problem born out of an internal crisis.

It is easy to feel brave and fearless in the world when your internal world feels safe but when you feel those internal walls have been breached by fear, then your confidence is rocked. The danger you fear becomes internal. Your psychic foundations feel vulnerable.
That is where the crisis originates. The doubting of your ability to handle the sensations shakes your inner confidence and that is what the fear feeds off.
It is a crisis of confidence in your body and mind’s ability to handle the stress. This crisis however does not stop the bravery.

People with anxiety actually do the bravest of things.


They get up each day and get on with life. Picking themselves up after each and every setback. It does not make headline news but it counts because it is real bravery, true courage.
To the untrained eye it does not seem like such a big deal to simply drive out of state, attend church, or go shopping. However for the person with anxiety, that experience can be a massive accomplishment, especially if they have tried and failed many times before.
The good news is:


This bravery does not go unrewarded.
Once the person has triumphed over their anxiety problem, they develop an inner strength that the average person never gets to develop.
You see, no matter how many brave things you do in the world, if you have not been challenged on an inner level, then you miss out on the opportunity to develop real inner strength.
That is the hidden opportunity anxiety presents to you. To become a bigger person than you already are. That is what you take from the challenge of anxiety.
It does not matter if you have not reached that point yet. The journey is unique to everyone so do not judge your progress against others.

The only thing that matters is that you persist.


Persistence will ensure your success.
To learn more visit: www.panicaway.com
Kind Regards
Barry Joe McDonagh

www.panicaway.com
All material provided in these emails are for informational or educational purposes only. No content is intended to be a substitute for professional medical advice, diagnosis or treatment. Consult your physician regarding the applicability of any opinions or recommendations with respect to your symptoms or medical condition

Why Distraction Helps Ease Anxiety

Focus is difficult the older you get. Let not your heart be troubled, distraction is helpful to ease anxiety.
Why Distraction Helps Ease Anxiety

In order to quickly move away from generalized anxiety you need to throw yourself 100% into life.

What is needed is to engage regularly in an activity that stimulates you, and holds your complete attention, something in which you can become completely absorbed.
Something that distracts you is a very valuable tool in taking your attention away from the uncomfortable sensation of anxiety that may be lingering in your body.
You see almost everyone with anxiety finds themselves getting a bit obsessed about how they feel at any given moment. The less preoccupied the person is, the more time there is to obsess over anxious sensations.

I am sure you have noticed that when you are doing something you enjoy or that really holds your attention, the less you ‘check in’ to measure your anxiety level.
Quite simply, the more you engage with life the less stagnant and anxious you will feel.

Some of the possible activities that interest you could be:
Gardening, playing a musical instrument, sport, or simply having a good conversation with a friend. The idea here is to find something that you can repeat on a regular basis that you enjoy doing or that at very least holds your attention.

If you find you have too much time on your hands and are having problems coming up with something you could do then I recommend you volunteer in a local voluntary scheme. It could be anything from helping the elderly, looking after animals or environmental conservation.
If you can spare even one or two hours a week for such work, not only will you feel your self-esteem improve, but it will help shake off any lingering feelings of isolation or loneliness which are so often accompanied by anxiety.

One thing you can be certain of is that there is some organization near you crying out for a volunteer just like you to assist them with their work.

The art of distraction has always been used to help people refocus and avoid concentrating on whatever physical or emotional discomfort the person is going through. It may just be the caring friend who invites their recently heart broken roommate out on the town to have some fun.
Dentists and doctors use distraction techniques frequently to distract the patient from a physical discomfort they may be experiencing, by giving them something else to focus on (usually the bill).

The purpose of using distraction, for people who want to live anxiety free, is to have new experiences that take the person’s mind off the anxious feelings they have been experiencing.
If you imagine that all the fearful anxious thoughts that go through your mind are like a roll of film being run through a film projector (your mind) and out into your life. Concentrating on some activity immediately cuts the film and brings you directly into the here and now.

When you are fully engaged with life there is no room for any anxiety disorder. This mental space you create enables both your body and mind time to become less sensitized to the anxiety.

By doing something you enjoy and feel you are good at, helps build new competencies. You are saying to yourself that the anxiety path is not one you want to travel down anymore and that you will put your focus elsewhere.

The more time you give to following these rewarding pursuits, the easier it is for your body to relax and return to a natural state of peace.

Combine this with my ONE MOVE technique and people often look back weeks later and wonder if it was really them who was so anxious all the time. Note, it normally takes a few weeks to reduce feelings of general anxiety. That is the standard amount of time to come back to feeling more yourself.

Let me remind you that I am here to work with you if you want to learn more about my course and the One Move technique which has turned so many peoples lives around.

I’m so confident that my program will help you conquer your anxiety, that I offer a 8 week trial. If you do not benefit from the course you can have your money refunded immediately.
My course Panic Away has proved highly successful with both long and short term sufferers of panic attacks.
Click here to learn more about Panic Away


____________________________
…I encourage you to take a chance with this course. As a former sufferer I would not pretend to have a solution if I did not honestly believe it could be of great benefit to you.
Together we can get you truly panic free.
P.S. Additional bonus- I am currently offering an opportunity to people who purchase the program this month, to have free one to one sessions with me so that I can ensure you get the results you need. All I ask is that should you feel the course has been of tremendous benefit to you that I add you to a database I am currently updating of success stories.
I hope this information has been helpful to you.
Barry Joe McDonagh
Panic Away
All material provided in these emails are for informational or educational purposes only. No content is intended to be a substitute for professional medical advice, diagnosis or treatment. Consult your physician regarding the applicability of any opinions or recommendations with respect to your symptoms or medical condition