Online buying and selling has exploded tremendously from the beyond decade. Some sort of investment investor need to start using a agent in order to enter in his or her share purchases.

Stocks are the darlings of today's investor. Everyone today wants to make big money through stocks. Firstly, the big reason behind is that stock investment does not require big chunks of money as in the case of property investment. Secondly, there are no restrictions of timely payment or premium as in the case of Insurance. And thirdly there is no fixed time gap as in the case of bank's fixed deposits, so as to start earning from investments. Thus, we can conclude that

Investing in stocks depends on the pocket and willingness of the amount of investment.

There are no timely payment of premiums, a person can invest at any point of time when he/she feels comfortable.
There is no time gap to wait for, as the person is free to sell his/her stock whenever he/she feels that the stock price has moved enough in the positive territory to give enough profit margins.
Therefore, the need of the hour is to find the possible high yield stocks. Stocks that give maximum possible dividends, and their price moves steadily in the upward direction.

List of High Yield Dividend Stocks.

A list of high yield stocks is depicted below which are giving an average of up to 18.6% of return from the investment.

Stocks With A High Dividend Yield

Company

Business

Price

Yield

Indicated Annual Dividend

2001 Expected Payout Ratio

ArvinMeritor (nyse: ARM - news - people)

Auto Parts

$ 15.38

5.7%

0.88

47%

Bank of America (nyse: BAC - news - people)

Banking

50.94

4.4

2.24

45

Bemis (nyse: BMS - news - people)

Packaging

30.19

3.2

0.96

37

Commerce Group (nyse: CGI - news - people)

Auto Insurance

25.70

4.5

1.16

40

Dana (nyse: DCN - news - people)

Auto Parts

18.00

6.9

1.24

76

R. R. Donnelley & Sons (nyse: DNY - news - people)

Commercial Printing

26.63

3.5

0.92

40

Harsco (nyse: HSC - news - people)

Metal Services

26.19

3.7

0.96

36

Philip Morris (nyse: MO - news - people)

Tobacco

42.56

5.0

2.12

52

Supervalu (nyse: SVU - news - people)

Food Wholesaling

13.75

4.0

0.55

28

Prices as of Jan. 16. EPS=Earnings per share. Sources: Interactive Data Corp., IBES International and Market Guide via FactSet Research Systems
Thus from the above table states that Arvin Meritor gives a yield of 5.7% as recorded on January16th, 2008.
Furthermore .88 is the annual dividend been recorded. Similarly Commerce group dealing in auto insurance is giving a yield of 4.5 % and the annual dividend is given as 1.16.
The facts revealed from the above data depicts that the Bank of America is one bank which gives maximum returns and dividend on investments. Also the tobacco making company namely Philip morris which is depicted as MO in the Newyork Stock Exchange(NYSE) gives the maximum of 5% yield as compare to other tobacco companies. The dividend disbursed is also 2.12 which is much better as compared to other stocks in the NYSE.
All the above companies depicted in the data shows their yield, dividend and other factors when compared proves them to be outstanding as compared to their rivals in the market. Therefore a person before making investment in the stock market can go through the above data and can make wise decision on investment. As the past records of the stocks are quite valuable and profitable if they are used while making investment decision. Moreover the investment in such stocks even if they are costly will prove to be a beneficial task in the future and the reap of this crop will be quite fruitful.
Latest Forbes report and analysis.
As per the Forbes report, the year 2008 marked the presence of maximum number of Indians in the top multi millionaire list. This means that Bill gates of Microsoft (American company) is no more the top millionaire of the world. Now the top millionaire of Indian origin includes,
Ist level: Mukesh Ambani (Reliance Industries.)
IIIrd level: (Laxmi Narayan Mittal) L.N.Mittal (Corus group.)
And as far as Bill gates (Microsoft) is concerned, he stands second now. The other reports depict the scare of slow down in United States economy and fall in the stock market for a longer time span.
Other News Include.

HK's Cathay Pacific to post record 2007 profit growth on high passenger yields
Europe junk bond yields soar, fail to draw demand
TREASURIES-Bonds rebound after auction rout
Kaeppel's Corner: Rockin' All Over the World
Yields on Canadian royalty trusts look too good to last. The risks are real, but so is the opportunity at these prices.
Conclusion.
The high yield stocks need to be recognized and than investment decisions on them should be taken keeping in view the risks of investing in market. Like they say, "Investment of such kind is subject to market risks, so please read the offer documents before investing."
A disclaimer may be needed here. That the above-depicted table is based on the past records. As no one estimate about future. Therefore the good return giving stocks may not give as good returns in near future depending on any of the probability of some circumstances. Therefore investment decisions should be made on person on descretion and what we can supply is the past records. But the gurantee of getting profits depends on the company's future.
Acknowledgement.
The above stated valuable information is supplied by www.forbes.com.

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How to make your home Wheelchair accessible. Very well first thing to discover may be the height you will have got.

When it became apparent last month that my mom would soon be needing a wheelchair, building a wheelchair ramp for her home was moved to the top of the priority list. Wheelchair ramps come in all shapes and sizes, and many of the ramps one might see in private residences are often built without any regard to the ADA (American Disability Act) guidelines. While it's not necessary to follow these guidelines when building a wheelchair ramp in a private residence, these guidelines can help guide a homeowner as to what is safe and what is not.

If one of your parents will soon be needing a wheelchair ramp, this easy reference guide will help you design a ramp that meets the ADA safety standards as listed in the ADA Accessibility Guidelines for Buildings and Facilities (www.access-board.gov/adaag).

Slope: According to the standards, the least possible slope should be used for the placement of the wheelchair ramp. While most doors open up onto level sidewalks, in the case of split levels or hillside homes, a little thought needs to be given as to what direction will provide the least slope.

Rise: The rise is the angle of ascent, and the ADA standards are for a slope of 1:12. This means that for every foot of ascent (or descent), the ramp has to be 12 feet long. For a front door that rises 3 feet above grade, the ramp must be 12 x 3, or 36 feet.

While this seems excessive, a shorter rise means that the wheelchair can't be easily pushed up the ramp. It also means that the wheelchair will be more difficult to control on the way down.

Width: The ADA standards for width is 36 inches.

Landings: Wheelchair ramps need a level landing both at the top of the ramp and at the bottom of the ramp. The landing must be at least 60" long, however, if the wheelchair needs to change direction on the landing, the landing must be 60" x 60" which will allow for adequate turning space.

Handrails: Many of the wheelchair ramps I see in my neighborhood don't have handrails. Since I worried about my mom falling off her ramp, we decided that handrails were absolutely essential. According the ADA standards, any ramp that rises for more than 6" above the ground or projects horizontally more than 6 feet should have handrails. Handrails on wheelchair ramps must be on both sides of the ramp, rise between 34-36" above the ramp, and should be continuous. If the ramp is designed with banisters, it's wise to follow the Universal Building Code and space the banisters 4" apart .

Side slope: Side slopes refer to slightly angling the ramp sideways so that water can run off. Side slopes should not be any greater than 1:50.

Edge protection: To prevent the wheels of the wheelchair from rolling off the ramp, edge protection is also important. Edge protection can be either banisters, curbs, or walls.

Will work safely in adverse weather conditions: Instead of building a wheelchair ramp out of the cheapest material possible, think ahead as to how the ramp will hold up in the weather. Wheelchair ramps should be constructed with durable material such as redwood or cedar, and designed so that water isn't able to accumulate on the surface. Water that pools can ruin the wood and create a slippery surface (especially in the winter) that can be a hazard to a person in a wheelchair.

Sources: http://www.access-board.gov/adaag/html/adaag.htm#4.8

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What exactly is the Stock Market? It truly is the sorted method wherever anyone and also everybody can easily sometimes buy or even advertise their shares or perhaps gives you

Many women shy away from investing in the stock market. Fear of investing in the stock market could be due to the following reasons and more:

• Inexperience with investing in the stock market.
• Fear of risks associated with investing in the stock market.
• Inadequate money to invest in the stock market.

All of these aversions (and any a woman may personally have) to investing in the stock market are completely understandable and nothing to be ashamed about.

However, it's important to understand that though risky, investing in the stock market generally yields a much higher return rate than sticking money into a safe but boring and low-yielding savings account.

Here are some ways women can get started investing in the stock market:

• Do a little research on how the stock market works. Star with books that cover the basics. Reading up on how the stock market works helps alleviate the first problem listed above - a lack of understanding about how the stock market works.
• Talk to a trusted friend, financial advisor or family member with investment experience. During the early stages of investing in the stock market, touch base with financial advisers who can provide investment guidance along the way.
• Assess how much can comfortably be invested in the stock market in light of current financial standing.
• Work with a stockbroker. Inexpensive online budget brokerage houses don't charge an arm and a leg but professional brokers who can be called at any time may be preferable.
• Start small. As confidence is gained and as wealth increases, more can be invested in the stock market.
• Diversify stock market investments to reduce risk and increase yield.

Investing in the stock market can be kind of scary at first, particularly for women without extensive financial backgrounds. Through starting small, getting advice from trusted individuals, and creating sound investment plans, investing in the stock market is nothing to be afraid of!

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Stocks with low price/book ratios or perhaps price/earnings percentages. In the past, worth futures have liked larger regular returns compared to growth stocks and shares (stocks using higher price/book or even P/E proportions) in several nations around the world

A lot of people are talking about the credit downgrade and the stock market slide over the past couple of weeks. Questions are being asked about the recent events - what will they mean for the markets, for business, and the economy in general.

Well, not a lot of people have an answer to any of those. But it is possible to take a look at some recent news and reports about current hiring statistics to get a better idea of how the job creators feel.

Bloomberg News wrote an interesting article about companies that want to hire in the U.S. but can't find qualified workers. Despite the nine plus unemployment rate, employers are having a hard time locating people with the right skills and experience. Entrepreneurs in particular are saying that talent searches now are as challenging as they've been before recent market conditions.

Crain's also spoke of employment recently and wrote an article about the rise in freelance workers. As businesses continue to move to a contingent workforce, employers find that leveraging freelance talent provides benefits such as increased flexibility and reduced overhead. Though this model could be challenging from a management perspective, the economic efficiencies seem to outweigh any changes that need to be made to Human Resources infrastructure. On the talent side, there also seems to be a shift among professionals across a wide variety of industries, as they build "portfolio" careers from a number of freelance opportunities.

So let's see -- Those businesses that are actively looking to hire full-time employees cannot, while those talented job seekers who could have a full-time job may instead want to freelance? Interesting, confusing -- Yes!

The very best strategy for building a strong team is to invest in identifying good people. And what better way to do that by starting out on a project or short-term basis. If the relationship is successful, you found the folks you will turn to when you're ready to hire full time. Alternatively, perhaps you'll identify your go-to group of freelancers. In either case, it all begins with finding the talent. And of course, that includes interns, who may in fact have the most cutting edge skill set of all.

One great thing about taking a "slow build" approach? It's recession proof. Regardless of the direction of the markets, having great people on speed dial allows you to quickly staff up (in whatever form) at whatever time is right for your business.

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What is a the particular Wall street game? It can be a sorted program where by any individual and all people may both purchase or advertise his or her stocks and options or perhaps gives you

Taking part in share trading and stock market has made people rich in the past. In the present day, this trend is still gaining popularity because of the fact that it ensures large amount of returns if the steps are taken properly. The investors especially the first timers tend to look around themselves so that they can catch hold of somebody or something that can provide these beginners with suitable stock market advice. The advice that is required are mainly related to the right times to buy a share or to sell one. What are the reliable sources that can provide stock investing advice?

There are a few sources that are considered credible enough to provide stock related and investment advice. Two of these sources are stock market news and stock market report. The stock market news provides detailed reports related to the stock market situation around the world. The best things about the news related to stock market is that the news are that the news is easily available on the websites and can be found in interactive, user friendly pages. The news page offers separate sections related to pre market survey, after hour discussions, queries from investors and a separate link that provides various stock market strategies for the investors. Not only have these, the news pages also offered links for subscription to business and financial magazines.

The stock market report provides in depth report of a particular stock exchange. However, the users have the option to choose the particular market or stock exchange that they want to receive information from. The market reports also provide detailed information regarding the strength of the sectors. The reports show as to which sector is strong and which one is weak. Various reports regarding stock markets and stock exchanges are easily available on the websites. Advice provided by various softwares

Various softwares are so designed and programmed as to provide real time stock quotes to the investors. Simulating softwares that involve fake money, fake buying and selling of stocks based on real time quotes as well as stock picking softwares, all provide the users with real time stock quotes. This is done so that the investors get accustomed with the real life situation and are prone to make lesser mistakes.

There are thousands of websites on the net that are dedicated in offering reliable stock market advice. But the question always remain as to how accurate returns can these advice generate. It is true that the easy accessibility to the stock related news, stock related reports and the stock picking software have eased things both for the experienced investors as well as for the novices. But it is always recommended that at the end of the day always rely upon your common sense while you deal with the stocks in the stock market.

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How Critical Could be the Trading and investing System With Investment decision?

Options trading has been the centre of much debate of recent years. Is options trading dangerous? Can we go bankrupt on Options Trading? Indeed, options as a form of derivative instrument is far more complex than the stocks that they are written based on and, like a wild stallion, can hurt you if you do not understand how it works and how to use it properly.

This brings us to the topic of this article.

In this article, I shall present 5 reasons why options trading is actually better than stock trading in order to dispel the age old myths of how dangerous options trading is. Let's remember this: Options trading is dangerous only when you do not understand it.

1) Variable Leverage

The leverage that options trading give you is perhaps the main reason why people gravitate to options trading in the first place. Leverage is the ability to do more with the same amount of money. Trading options allows you to make a lot more profit on the same move on the underlying stock. When you buy the stock itself without margin, you are merely making 1% profit on a 1% move in your favor. However, in options trading, you could be making 10% profit on that same 1% move the stock made or even up to 100% on that same 1% move!

Yes, the beauty of leverage in options trading, unlike in futures trading, is that it is VARIABLE!

Leverage in options trading is variable, you could take on more leverage for more risk or lesser leverage for lesser risk by choosing options of different strike prices and/or expiration month. In general, the more out of the money options, the higher the leverage and the more in the money options, the lower the leverage.

Leverage cuts both ways. This is why the beauty of leverage in options trading is that it allows you to do the same trades with much lesser money, as such, you could simply use only money you can afford to and intend to lose in any failed trade for each options trade so leverage actually help you control your losses instead!

2) Low Capital Requirement

Apple Inc. , AAPL, is trading at $295.36 today which means it takes $29,536 to buy 100 shares today. However, AAPL's at the money call options costs only something like $715 to control the profits on that same 100 shares of Apple!

3) Bet Downwards Without Margin

In order to profit from a downwards move on a stock in stock trading, you could only short the stock which incurs margin. However, in options trading, all you need to do in order to bet on a stock going downwards is to BUY its put options with no margin needed at all. That's right, buying put options for profit to downside works exactly the same as buying call options for profit to upside. There is no need to own the stock beforehand and there is no need for margin!

4) Multi-Directional Profits

In stock trading, you only profit when the stock goes in the direction you want it to. Upwards when you buy the stock or downwards when you short the stock. There is no way to profit in both scenarios simultaneously and there is no way to profit if the price of the stock does not move. However, in options trading, such multi-directional profits are possible! There are options strategies that allows you to profit no matter if the stock goes upwards or downwards quickly and there are options strategies that profits even if the price of the stock remains unchanged! Such is the real magic of options strategies which greatly increases your chances of winning in options trading versus stock trading!

5) Play Banker

Sick and tired of always being at the player's side of the table? In options trading, you could switch instead to the banker's side of the table and do what market makers do by selling options to people who are wants to take the side of the player! When the players lose, as they often do, you get to keep the bet as profit just like a real banker! Only options trading has the "bet" which you get to keep and it is known as "extrinsic value".

As you can see by now, options trading is indeed far more powerful and safe than stock trading if you do it correctly. To learn more about what you can do with options, visit our Options Trading website at Optiontradingpedia.com .

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Ramps and rails in the home for handicapped people

Should Wheelchair Racing be an Olympic Event?

This might sound like an odd question, but I would like you to consider it seriously.

Wheel chair racing has been an event in the Para Olympic Games since 1960. To be eligible to enter this event, you have to be suffering from a suitable type of disability such as an amputated leg, or a spinal cord injury. Basically to enter you need to be a person who might normally need to need a wheel chair. The rules are complicated, but very appropriate to the event; that is they are appropriate to wheel chair racing as a Para Olympic event.

What I am suggesting is that it should also be an Olympic event. For the Olympics there would be no restrictions on whether or not a person was disabled. Occasionally, a Para Olympic medal winner has gone on to become an Olympic competitor, despite their disability. Naturally, the range of events where this is likely is small. The Para Olympic competitors reach very high standards.

Some wheel chair users become very good at using their wheel chair. These people might even have an advantage over able bodied people.

Using a wheel chair is not as easy as it looks. Once, in Adelaide, there were objections to the wheel chair ramp leading into a public building. Two of the officials concerned set out to prove it could be safely used. One of them wheeled the other in a borrowed wheel chair and pushed him up the ramp. The wheel chair turned over and the man in it was slightly hurt. The ramp was fixed very quickly after that.

I am not suggesting removing the wheel chair race from the Para Olympic Games, but adding it, without any restrictions, (except the general ones like drug use etc.) to the Olympic Games. If the event gets won by a person with only one leg, I would be quite happy. They would also know they had won an event against all comers, not a necessarily restricted class of people.

Of course, this event requires specialized equipment (A Wheel Chair), but most Olympic events require special equipment. Even swimming. Although a Human can swim with only their own body, nowadays, Olympic swimmers are increasingly getting vey high tech swimming costumes.

I do not regard the requirement of specialized equipment as being any bar to including tis event in the Olympic Games.

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Digg relaunches as a general <b>news</b> site

The new Digg has just been relaunched and is now available for everyone. The new website displays all contents on the frontpage with no option to dig deeper.

Digg relaunches as a general <b>news</b> site

Ark Park <b>news</b> – Pharyngula

Ken Ham's boondoggle in Kentucky is still mired in sluggish fundraising, but he still believes they'll be open in 2014…only now with an incomplete park. They're now talking about building it up gradually over a decade, ...

Ark Park <b>news</b> – Pharyngula

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