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Sorting through mortgage elimination programs
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Mortgage elimination programs are all the rage these days. In the event that you don? know what they are, it? a really basic concept. You apply more money to the principal balance on your loan or you make payments at times other than once per month, and ultimately you lower you balance and pay your mortgage off sooner than the original term. It sounds great, but be careful what you read, because there are a lot of these mortgage elimination programs that either don? make sense or just plain scams.
I clicked on a website gloating that it had a program that would eliminate your mortgage in under a year. Wow! A 30-year home loan eliminated in one year. Sounds great; you?e in, right? Not so fast. When I subscribed to a mailer to get more information, I received a very cryptic message that said the program was currently put on hold because the US patriot act makes it impossible to proceed with the necessary offshore banking transactions, which were necessary to make the process a success. Now,, I? not sure what all this means, but I do know I don? want someone sending my mortgage payments to some offshore bank account. This sounds like something straight from a John Grisham novel.
I?e already written about the inverse mortgage, which holds that paying one? mortgage every three weeks instead of every four will help eliminate your mortgage in five years or less. Although the jury is still out on this program,, I?e done the math, and it simply doesn? add up.
Finally,, I? still investigating a program called,, Mortgage Cycling. Although I don? know all the detail on this one,, I do know that it involves taking a home equity loan and adding this money to your principal mortgage. Again, I? not getting it. Why take more money out against your real estate, so you can pay it back on the same house. Isn? this sort of borrowing from Peter to pay Paul?
At any rate,, I?l keep investigating. Meanwhile,, beware of any mortgage elimination program. If you want a safe way to eliminate your mortgage more quickly,, please refer to the wealth-building program, Winning the Mortgage Game.
Mark Barnes is an investment real estate and real estate finance expert. Get his free mortgage finance course at and learn more about his wealth-building system. Mark is also the author of the new novel,, The League, a shocking, sports-related conspiracy. Learn more about his suspense thriller at
Moving Averages
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Every day on CNBC-TV they show a 200-day moving average line superimposed on the stock price history. It seems they give great credence to this manufactured line as it represents 10 months of price action. What is it? Does it really mean anything?
The line represents the addition of the closing prices of that particular stock, mutual fund or index for the past 200 trading sessions that have been added up and divided by 200. That is then placed on the chart at that point. For example if the price of the equity started at zero and went up exactly one point for 200 days the average would be 100. A dot is then place on the chart at 100 even though the equity price is now at 200. Each day the new closing price is added after dropping off price number 1 and the new group is added up and divided by 200. This is done each day. Nothing complicated.
Does this mean anything?
This is considered to be a very useful technical indicator, but like all technical indicators you must understand how to use it. There is one rule for any technical indicator: no single one is a Holy Grail for predicting future price action of a stock,, fund or index. WAIT,! Don? throw out the baby with the bath water.
The 200-day MA is not a predictor,, but it does establish the current trend of whatever you wish to measure that has a recurring event. You can use it for the average price of housing,, cost of gold,, global weather temperature, medical costs,, etc.,, etc. that can then be plotted on a chart.
You don? have to stay with 200 days. You may modify it to any number of days or time periods you wish from two on out past 200. Many technical analysts use 10,, 20, 50, 100 and then plot these on the same chart simultaneously to see when one crosses over another. These are called oscillators and thousands of traders use them to determine buy and sell signals.
Because the 200-day MA is composed of 200 price entries it has been determined that it works best when used with something that has many factors represented. In the stock market this is indexes and mutual funds. Mutual funds are composed of many stocks or bonds and the price action of any single equity does not cause a major price swing.
If you will keep in mind that the 200-day MA will show only the major long term trend it can be a very useful investment tool.
Al Thomas' book,, "If It Doesn't Go Up,, Don't BuyIt!" has helped thousands of people make moneyand keep their profits with his simple 2-stepmethod. Read the first chapter at and discover why he's the man that Wall Streetdoes not want you to know.
Copyright 2005
al@mutualfundstrategy; 1-888-345-7870
So, What is This Stock Market Thing Anyway
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We?e all heard of the stock market and probably have a general idea of what it is and how it works either from high school economics classes,, television financial reports,, and the countless film depictions of what happens on the floor of the New York Stock Exchange. But how does it really work and what is meant by ?laying the stock market??br />
The Stock Market in a Nutshell
Companies sell shares of stock as a means of raising capital. For example,, let? say that the XYZ corporation, makers of the finest whatsidoos and thingamabobs in the country, wants to open a new factory. Doing so will require a hundred million dollars. The company can get a loan from a bank,, but it would wind up in debt. So,, instead of borrowing, it decides to offer additional shares of stock. As investors purchase the stock they are giving the company the capital it needs to do business. In return the stockholders actually own a part of the company and have some say in its activities. If XYZ does well in the thingamabob market,, its stock will raise in value as more people will want to have a piece of XYZ for themselves. If it doesn? do so well (maybe it gets undersold by the Ichi Nee company,, a Japanese conglomerate that has found a way to make smaller, cheaper thingamabobs),, less investors will buy the stock,, current stockholders may try to sell, and the value of the stock drops. The price of individual stocks will rise and fall several times a day. The price for a certain stock you may see on the evening news for any particular company represents where the stock was valued at the end of the business day. It will also tell you whether that price rose or fell from the previous day. It can be enough to make an investor tear his hair out. Didn? you ever wonder why nearly all economists are bald?
?laying?the Stock Market
You may have heard people refer to ?laying?the stock market as if it were all a big game of Monopoly. This is an adequate term because that? exactly what some people do,, but the game is more like Roulette ?sometimes of the Russian variety. People who ?lay?the market typically invest for short periods of time in the hopes to get a quick return. They will buy some stock, wait fro the price to go up, then sell right away and invest in another stock and await the next profit. They may do this several times a day in some cases as prices fluctuate. This can be a very risky way to behave because a lot of money can be lost, but a lot can be earned as well. It? almost like a trip to Vegas without Wayne Newton.
Investment Tips by Mika Hamilton ?Read more free investment tips, tutorials & reviews at
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20根香烟想你的理由 - 散文吧
,第十一根烟:
除了你.
谁还会帮我数着.这是第几根的灰烬了...
第十六根烟:
如果你在这些烟上都写了字
当这些字都成灰烬
你是不是便在我的胸口了?
第十九根烟:
你说你喜欢我的那双眼睛
那你知不知道它为什么湿了?
第十四根烟:
烫着了我的冰冷.
永远没有你给我温度时的那份细腻
第五根烟:
火星是真实的.而你的那句喜欢你.
却不能再在我耳边真实了
第三根烟:
如果我孤独了.因为我是在想你
第二十根烟:
你说你去了.你相信你可以找到你的快乐.
那你如何还我另一个快乐?
你不在了.两个快乐还可以相连吗?
撕开锡铂纸.烟盒内二十根烟整齐的排列
撕开自己.想念却无论如何都无法排列的整齐
点上一根烟.点上心里的想念.
第十二根烟:
在我弹出去时.
我想问你.那溅起的火星是不是还像当时的样子
可是.你在哪呢
第四根烟:
因为我在延续上一根烟的想念
第一根烟:
从我的肺里荡出.我要它飘回第一次见你的那天.
去记住那个重要的日子...
第八根烟:
它是不是开始熏黑着我的肺
就像你哭红的眼一直熏着我的心
第十根烟:
是太多烟迷蒙了自己的周围
还是眼睛根本早就看不清了?
第十五根烟:
想起你连想念着我都要重复着一二三的勇气..
这剩下的一小截烟
还能再抽三口吗?
第十七根烟:
你坐上我的双膝,,拉着我的手放进你的衣兜里,,握紧...
是不是真的可以用别人的双膝代替我?
当最后一根烟抽完.
对你的想念是不是也能停下?
离开的日子我抽的烟何止是这二十根
我想你的理由何止是这二十根星火
但是一包烟.只有二十根
我抽了十九根.你都不在身边.
那下一根烟.下一包烟燃起的时候.
我是不是还有想你的理由?
那是不是我转身了.你就也要跟着转身了..
于是我们就该相信地球是圆的
然后我们就用一辈子,,去赌上一个缈茫的下次重逢
我点了二十根想你的理由
却找不到一根忘却你的理由...
第九根烟:
如果九就代表永久
那我在你和我的心门之间画上大大的九
是不是就可以让你在我的世界停的久点再久点...
第二根烟:
在我的手指间烧尽..
我凝不住.你对我的第一个微笑..
第十八根烟:
如果你在下一个路口发现我不在了
你是继续等我.还是追着我的步伐?
第十三根烟:
我开始觉得冷了.
那你呢?
是不是也是一样抖着.却依旧要给我你的温度.
直到你的掌心有了和我相同的冰凉
第七根烟:
我揉碎了扔出了我的视线.
因为在上次的第七根烟.
我第一次听到你对我说:"我生气了."
20根香烟想你的理由
第六根烟:
我在叫你老婆你是否仍然爱听?
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Various kinds of High Heel Shoes High heel shoes appear in a variety of styles, out of peep toe high heel pumps, sling-back high heel shoes or stiletto women's high heel sandals. The list is endless however it shows how far types have evolved inside the high heel shoe field. With such a high requirement these days from most women to have the perfect pair of high heel shoes with every single outfit, high heels have
