When you are younger it is probably a rite of passage that you think that nothing will ever happen to you. I recently was given a book that was entitled, “Wear Sunscreen.” The entire book was dedicated to young people through the eyes, almost literally, of an older generation. You may not want to wear sunscreen but do it to protect your skin. You may not want to wear sunglasses, but do it to protect from Macular Degeneration. There are just some things in life that you may think will never happen to you but if you are fortunate to live long enough, they will probably happen.

I was adopted so there is not a lot of family history that I know about but I was able to gather some medical information about my history based on my own genes in my body. I carry what they call a gene that will most likely cause Macular Degeneration in my eyes. This gene was something that was passed down from generations in my family. I do know a little about my natural birth mother and she could see fine until she passed away at the age of 87 so I am guessing at this point that the gene was from my father’s side of the family.

Romance is the spice of life. It’s not difficult to visualize how dull and boring life would be without romance. Have you ever paused to wonder what it is that brings enthusiasm in life? Romance is that elixir that makes you vibrant, vivacious and full of vitality. Everyone has their own idea of romance and romantic ideas, what are your ideas of romance?

In the lines, by Shirley Bassey “I’d like to run away from you, but if you didn’t come, and find me … I would die.” the essence of love and romance has been beautifully depicted. Romance is something that gives comforting touch to one’s heart. Someone who’s sensitive about his or her beloved’s need, is romantic. Just being a hard-core romantic and not demonstrating your love openly is so unromantic. You need to put other work aside and show to your sweet heart that you care for him or her. The idea of romance can be as simple as a peck on a cheek, a warm hug or just uttering those three miraculous words “I love you.” These gestures appear romantic when your beloved is least expecting them, otherwise they are the boring hackneyed way of saying that you care. Novel romantic ideas are like, “life and blood” of any romantic relationship.

For some people romance means the spirit of adventure, a sense of anticipation of the unexpected, a view of exciting spectacles at every bend of the road. For many others romance involves the mysterious and the unknown. Like ‘magic casements opening on the foam of perilous seas,’ as Keats would put it. Romance sweeps in all the treasured experiences from the mysterious to the magical and the miraculous. Yet for most of us romance is an expression of love. When we talk of romantic ideas we refer to all the little things that can keep the flame of love burning bright in our hearts.

We all know that it isn’t enough to love a person; it is equally important to express our love in a relationship. Love without expression is as good as not there. You need to show your love, not only in words but also in gestures that speak louder than words. You have to devise novel ways of letting your love know how much you care. You have to find new ideas to express your love every day, if not every moment. Thinking of novel ways of saying ‘I love you’ is what romantic ideas are all about.

Everyone is not a poet, yet everyone needs to kindle the flame of love lest it fades away. This site on romantic ideas is a treasure house of fresh romantic ideas. The charm of an idea lies in its freshness, and nothing goes stale faster than ideas. So, look for absolutely novel romantic ideas to let the warm Love in!

Charles Welf is the author of the site secret-romantic-ideas.com. To learn more about romance and recieve a free eBook “101 Romantic Ideas” visit Secret Romantic ideas

When he starts picking you over his friends. He will spend a quiet Friday night with you instead of playing poker or going for a drink only with his friends.

When he seems to be overjoyed when he meets her and when he spends time with you.

When he gradually welcomes her feminine stuff in his house; her special soap in the bathroom, her earrings on the table and her tampons in the bathroom.

He makes long term plan about sharing his activities with her. He will make sure that his girlfriend can participate in his social activities.

When he never really thought about getting married or having children and he wants those things with her

He will take care of himself financially, physically and spiritually to make her feel secure and happy.

He will wake up before her and makes sure that she is okay, wonders if she is hungry, checks to see if she is warm enough or if she would need anything else.

He constantly tries to impress her; he will pick her up and brings her home, brings her food, offers to pay for some activities, gives her surprises…

Other temptations are not a threat. He is just not interested in any of those distractions

She will have no doubt in her mind. She won’t need to ask. She will feel it in her guts. If she doesn’t, and still remains with him, she is settling for less

Who is Caroline? She is a growing expert on love, relationship, romance because she is reading a lot on the subject. She is gladly sharing her knowledge and experience. To continue receiving tips subscribe free to her newsletter at http://www.everydaybetterliving.com

As NJ divorce attorneys, we are trained to be advocates in the process known as “adversarial. Many of us self-selected into the legal profession partly because our underlying personality and temperament traits are geared toward advocacy. Similarly, lawyers “the good ones” are typically quite inquisitive. Their questioning techniques, however, often take on the tone of cross-examination.

We can all stand to improve the way we practice the non-adversarial, settlement-oriented part of our profession by paying attention to the way we employ the principles of advocacy and inquiry.

Advocacy is stating one’s views. Examples of advocacy include: sharing how you’re feeling; describing what you’re thinking; stating a judgment; pushing for a particular course of action, decision or outcome; and making demands.

Inquiry is asking a genuine question. By asking real questions, information is truly sought. Rhetorical or leading questions are a kind of advocacy in disguise. We’ve all observed journalists and other questioners with not-so-hidden agendas pose inquiries such as, “Isn’t it true that your administration’s domestic fiscal policy has done a disservice to the elderly?” Another loaded style of pseudo question-asking might go something like, “Some people (not me, of course) might say that you handled yourself rather poorly in the first two debates. How would you respond to such criticism?”

In any discussion or conference we are engaged in, we can be high or low on advocacy. The same can be said for inquiry. Regardless of whether our advocacy and inquiry levels are high or low at a given instance, we can come across positively or negatively, depending upon our style, intent and often habit.

For instance, if we are operating from a high advocacy, low inquiry perspective, we come across quite positively if we are truly explaining our point of view. Cramming our viewpoint down the other party’s throat, conversely, is a destructive tendency. It should be mentioned that high advocacy/low inquiry results in one way communication, even if both people are engaged in it. It can be useful for giving information, but doesn’t enhance understanding of diverse perspectives or build commitment to a specific course of action. Advocacy that imposes the proponent’s views on others usually creates either compliance or resistance.

On the other hand, If we are geared up in the inquiry department, but toning down the advocacy, we can conduct meaningful, non-threatening information gathering interviews, or we can find ourselves falling into interrogation mode; a natural tendency for many NJ divorce lawyers. High inquiry/low advocacy results in one way communication in a different sense in that the inquirer refrains from stating his or her views or beliefs. While it can be quite useful for finding out information, it can create difficulties when the inquirer has a hidden agenda, or is really using the questioning process as a device to get the other person to “discover” what the inquirer already thinks is right, or both.

There are certainly times when keeping both advocacy and inquiry levels to minimum is the way to proceed. This is what we’re doing well when we are observing or listening attentively. The flip side in this realm is withdrawal. We’ve all observed this in four-way settlement conferences when a sore topic is being discussed, with one spouse preaching from the soapbox while the other checks out mentally and glazes over. Low inquiry/low advocacy also flows in one direction: Participants watch, but contribute relatively little. This approach is ideally employed when being a tacit observer is useful, but it can create difficulties when participants withhold their views on key issues.

Finally, in the context of energetic sessions when we are high in both advocacy and inquiry departments, mutual learning or appreciation of each other’s viewpoints is the objective. High advocacy/high inquiry fosters two way communication and learning. I state my views and I inquire into yours; I invite you to state your views and inquire into mine. We must be careful, particularly in the context of settlement talks, not to over-work the process. When excessive communications generate too much information density, participants become worn-out, irritable and confused or overwhelmed. Positive energy is a great thing, but it’s also important to keep dialogues down to a manageable pace. Participants need time for things to sink-in. Managing the pace of high advocacy, high inquiry discussion is also indispensable when taking into account the differences between introverted and extraverted (not a spelling error, but rather the Jungian term) personality types. While extraverts often relish high pace, high energy dialogue, introverts often find them quite distracting, if not frankly annoying.

Balancing advocacy with inquiry is necessary. Taken alone, however, the balancing process is not enough to promote a positive meeting of the minds. In order for this to occur, the quality of advocacy and inquiry is also vital. For example, “That’s a really moronic comment. How long did it take you to come up with that one?” is both a statement and a question, but it doesn’t encourage negotiated problem solving. Ideally, our use of advocacy should involve providing information to others and explaining exactly how we moved from observing or collecting this information to our view of the situation. Competent use of inquiry entails honestly seeking others’ views, probing how they arrived at them, and encouraging them to challenge our perspective. Balancing high quality advocacy with high quality inquiry makes significant breakthroughs possible.

A DOZEN PRACTICE TIPS

If we assume that we are obviously right and that our job is to get others to realize what we already know, we will be unable to promote either agreement on a specific issue or ultimate settlement. Accordingly, we are well advised to:

1) Assume from the onset that we may be missing things that others see, and seeing things that others miss. If we begin with this assumption, the result is that we will listen more intelligently and inquire more genuinely without downplaying our own views.

2) Assume that others are acting in ways that make sense to them and that they are motivated to act with integrity. (This advice applies, regardless of whether you believe another to be Demon Seed or the reincarnation of Mother Theresa of Calcutta.)

3) Attempt to understand what leads to behavior that we find problematic. Are others caught-up in dilemmas? Are we contributing to any problems?

4) Help others to understand or appreciate our viewpoints and how we think about them by giving examples of the underlying data we select. Go on to state the meaning that we find in the examples, and explaining the steps in our thinking to others.

5) Describe our understanding of the other’s reasoning.

6) If we notice negative consequences to what others may be doing, identify the consequences without attributing any intent on their part to create those consequences. Distinguish between intent and impact; between motive and outcome.

7) When choosing to disclose our emotions, we must endeavor to do so without implying that the other person is primarily responsible for creating our emotional reactions. Remember also Eleanor Roosevelt’s observation that no one can make us feel inferior without our permission.

Find out how others see the situation by asking them to give examples of the information they selected from which they necessarily drew the inferences which lead to their conclusions. Ask them to explain the steps in their thinking.

9) Ask for help in finding out what we may be missing by encouraging others to identify possible gaps or errors in our thinking.

10) When we have difficulty with how others are acting, ask them to explain what has prompted them to act as they have done, in a tone that suggests they may have a reasonable answer.

11) Inquire into others’ feelings and emotions, but don’t ask, “What’s your problem?” or “Why do you get so worked up?” Say, instead, “You appear to be sad about something, am I right? Do you feel comfortable talking about it?”

12) Ask for help in exploring whether we are unknowingly contributing to the problem. Quite often, well-intended action on our part is problematic for others.

These tips have been extraordinarily helpful to many, both in their work and private lives. I hope that you will find them helpful.

This article was written by Curtis J. Romanowski, Esq. of Romanowski Law Offices. Voted “New Jersey Super Lawyer Family Law” for the second consecutive year, his prominent firm is dedicated to the betterment of the practice of New Jersey Divorce & Child Custody Law. Visit his website at www.divorcenewjersey.com/. Reproductions of this article must include a link back to www.divorcenewjersey.com/.

I know when we first got our mortgage, we were young. We had never owned a home before, and it was important to us to find a company that would give us good rates.

Since we have had our mortgage for some time now, we know that we can get better interest rates. We know that we have improved our credit rating and that is why we are choosing to look at our current mortgage.

That is why we decided to remortgage our home. We know that we can lower our payments and interest by obtaining a new mortgage.

We know that there are many benefits to us by getting a new mortgage as well. We found a lender that would take care of all of the fees for us. We are also lowering everything on our mortgage.

This is a great situation for us to be in. We are going to be able to save us money which is a great feeling. We no longer feel that our mortgage payment is too high.

Often times different lenders will offer different benefits for their mortgages.

That is why you should always make sure that you are checking around when you are searching for your next mortgage.

This is of the highest importance when you are searching for a remortgage.

This will give you the benefits of lowering your interest rates and fees that are associated with the mortgage.

That is why it is so important to consider the looking at new lenders during the term of your current mortgage.

You may be surprised how much money it is possible for you to save just by switching to a new lender.

A painful divorce usually leaves people at the end of their tether.

This is understandable, considering the amount of energy that goes into making concessions, holding it together, and completely miss-managing your emotions.

Every life changes, wanted or unwanted, ultimately play a “roller coaster” on our emotions.

For the majority of people, ending a marriage is a huge step. Thus most people would rather remain in an unhappy marriage than leave.

If however, you find the courage to let go of an unhappy marriage or are forced into doing so, the following reasons can help remount your morale quickly.

1. You can have compassion for yourself. I’m convinced that when you got married, your intention wasn’t to divorce at anytime.

Your primary reason for getting married was to share your life happily with your chosen partner. Even it didn’t turn out that way.

None of us has all the answers or control over our lives, least of all, over the lives of others.

We can only learn to accept what we cannot change. When you made your vows, you alone knew what it meant to you at the time.

2. You can stop feeling like a failure, because you’re not! Life is about learning and growing.

Don’t get intimidated by statistics quota and let go of the image of fitting into a model.

You possess all the capabilities to create a great life for yourself even after a divorce! And don’t you believe otherwise.

Failure only occurs if you give up on yourself. If you’re still hurting, give yourself time to heal. Learn to forgive yourself and move on when you feel ready.

3. You can start celebrating your success as a free and wholesome individual.

As beautiful and fulfilling a great marriage can be, you don’t require someone else to make you complete.

I once pointed out to a client that his wife leaving him could be exactly what he needed. This could get him to start thinking about his own needs and taking charge of his own life.

Sometimes people get sucked into their marriage and completely lose sight of their own identity. I am not saying that you shouldn’t commit to your marriage.

Think about this for a moment: you had an identity before you got married and you still had that identity after marriage, so why give it up?

You owe it to yourself and deserve to evolve to your best possibility in your own time.

Sadly enough, most couples seem to forget this. Especially those who marry very young.

4. You can give yourself some credit for facing up to the truth and ending what was no longer fulfilling to you or your partner.

It requires true honesty and courage to “pull out the plug,” face your chagrin and be consequent.

There are a number of people living in unfulfilling marriages, as a result of fear of being alone.

Evidences also show that some people remain in their marriage for circumstantial reasons or based on mutual arrangements.

Pat yourself on the back and feel proud of being strong enough to stand on your own. You now have a great time ahead of you. A time to get re-acquainted with YOU and your needs.

5. You can be determined to see this new phase as a time of “becoming”.

Envisage your future as an opportunity to examine other exciting areas of life.

Have a sense of purpose and focus on making the best use of this period.

How many times have you taken a decision in the past quite uncertain about its outcome? Only to realize later on that it was one of your best decisions ever. This could be one of those times.

Who knows, you might even discover new values deeply hidden within you.

As you can see, viewing your divorce from the right right perspective is essential for your inner healing. This can help you let go of guilt and self persecution. The sooner you can begin to perceive yourself as someone of worth, the quicker you can relinquish the past. Thereby you can focus fully in the present to create a more fulfilling life.

Kunbi Korostensky, N.D., Psychotherapist and Certified Life Coach is specialised in supporting people in transition, turn the changes in their lives into invigorating joy and happiness. View her ebooklet Top 10 holistic Questions to Embrace Change and Grow at: http://www.embracingchanges.com/Books-and-Tools-to-facilitate-Changes.html or: mailto: kunbi@embracingchanges.com

The legal divorce vs. your real divorce



The legal divorce has very limited concerns: to get a judgment of divorce, you have to make arrangements for your property, your children, and support (if any). If you have a high degree of conflict, it is also about keeping the peace and protecting you, your children and your property. That’s it; that’s all the legal divorce is about.



The law is used to impose a decision in your case only when there is a disagreement that has been brought into court. If you can reach a fair written agreement with your spouse, you can get almost any terms you like without much reference to laws. But, where children are concerned, a judge might take a look at your terms to make sure they are reasonably well supported and protected.



All you get from your legal divorce is a piece of paper–a Judgment–with findings of fact and court orders on the above subjects. That’s all. This is what all the fuss is about; this is what people go to attorneys for and spend tens or hundreds of thousands of dollars to get–a piece of paper with orders about peace, property, custody, and support.



You might think that a legal divorce will solve your problems, but it probably won’t and it is critically important that you understand this so you don’t expect too much from the legal divorce–or some lawyer–and set yourself up for frustration and disappointment.



Your real divorce is about ending one life and beginning another, then making it work–spiritually, emotionally and practically. The real divorce is about breaking old patterns, making a new life and seeking a new center of balance. It’s about doing your best with the hand you’ve been dealt.



Understanding some basic things about how the real divorce works will help you enormously in dealing with yourself, your spouse and your list of practical problems.



How you feel is probably the most real thing in your life right now. Nothing else in your life is as real as your pain, your fear, your anger, hurt, guilt, tension, nervousness, illness, depression–whatever it is you are feeling.



The practical tasks you face are also very real: how to get by financially, how to rearrange the parenting of your children, what to say to family and friends, what to do next, and so on.



In your real divorce, then, you face these challenges:



Emotional: This is about breaking (or failing to break) the bonds, patterns, dependencies, and habits that attach you to your ex-spouse. It’s about learning to let go of anger, fear, hurt, guilt, blame, and resentment. You learn about past mistakes so you don’t have to repeat them. You develop a balanced view of yourself, your ex-spouse, and your marriage. You create self-confidence and an openness to new intimate relationships.



Physical: Our minds and bodies are not separate and life does not come in these neat boxes. Emotions–especially strong ones that are ignored, denied or repressed–are frequently expressed physically. During divorce, people tend to experience a lot of tension and nervousness. They get ill frequently and have accidents. This is a time when you must take extra good care of your health, pay close attention to your body, and be extra careful when driving.



Practical: This is about taking care of business on the physical plane–including the legal divorce. It’s the nuts and bolts of what to do, where to go, and how to get there as you begin to build a new life for yourself. You need to create safety and security for yourself and your children; to make ends meet in a new life-style that produces what you need and needs no more than you can produce.



Going through major life changes–in other words, re-creating your life–is demanding, hard work, but it may be the most important thing you ever do. And, unless you decide to get counseling or go into therapy, the real divorce won’t cost a dime!



This article was taken from the book Divorce Solutions: How to Make Any Better, which is full of practical advice on how to handle the issues described above. Learn more by going to Divorce Solutions.



Copyright 2005 Ed Sherman

Ed Sherman is a family law attorney, divorce expert, and founder of Nolo Press. He started the self-help law movement in 1971 when he published the first edition of How to Do Your Own Divorce, and founded the paralegal industry in 1973. With more than a million books sold, Ed has saved the public billions of dollars in legal fees while making divorce go more smoothly and easily for millions of readers. You can order his books from http://www.nolodivorce.com or by calling (800) 464-5502.

Hair loss in guys affects approximately eight million in the British Isles, the most common type of baldness is genetic male pattern baldness. The loss of hair could develop as early as eighteen and develop emotional distress.

Male pattern baldness is generally genetic and will develop in lads as well as women. The baldness seems due to the hair follicles on the head shrinking and the hair falling out and never regrowing. Loss of hair ordinarily follows a balding pattern around the hair line and additionally at the middle of your head.

Going bald is not an awful disease and does not affect directly your actual health, although your emotional health can become affected through stress.

There are three phenomenal big treatment methods for loss of hair, Minoxidil, Finasteride and Strand by Strand from Advanced Hair Studio, aka AHS. The very first heavy weight baldness treatment is a topical cream that is applied on the head and can be acquired from hair loss specialist clinics. The hair loss treatment Minoxidil works through reducing the speed of baldness, simply fantastic. The second treatment works through blocking the chain reaction of the baldness hormone. The wonderful Strand by Strand hair regrowth technique from Advanced Hair Studio uses the most current hair loss medical technology and involves new hair appearing on the head strand by strand over time. With both the Minoxidil and Finasteride treatment methods they need to be constantly used for the hair growth effects to keep working. Discover the latest hair loss techniques from Carl Howell from Advanced Hair Studio, home to hair restoration.

As a licensed mental health professional, I work with many individuals, couples, and families who are affected by divorce. I have developed this list of survival strategies for people who are experiencing divorce. If you or someone you love is in this situation, I hope these ideas will help you.

1. Take your time as you adjust to your changed life circumstances. Recognize that you are going through a major life transition that cannot be rushed.

2. Set up temporary arrangements to help you get through the changes involved in your divorce process.

3. You will often feel frustrated. Avoid the temptation of acting for the sake of acting just because it gives you a temporary feeling of being in control.

4. When you feel uncomfortable, slow down and identify what you are feeling and why.

5. Don’t force any more changes on yourself than are necessary.

6. Explore both the benefits and costs of your new life.

7. Think about the future. In your journal, explore the question, “What is waiting to happen in my life now?”

8. Remember to ask yourself, “What am I supposed to learn from this?”

9. Protect yourself against the inevitable forgetfulness and absent-mindedness which many divorcing people report. Make a list of important account numbers, telephone numbers, and the like, and keep them in a safe place.

10. Watch out for too many changes in your life as you recover from the divorce and the changes in your life circumstances. Change causes stress, and you have enough right now.

11. Let people help you.

• If it’s impossible to reciprocate, say so.

• People know that your life isn’t like it used to be.

• Don’t let your inability to reciprocate prevent you from accepting what people willingly offer.

12. Let go of your need for perfection. You will not survive emotionally unless you lower your expectations.

13. Develop your ability to be flexible and find creative ways to solve problems.

14. Learn to set priorities. Do the most important things first.

15. Trust your gut feelings. Pay attention to your instincts and act on them.

16. Simplify everything in your life. You cannot afford to keep it complicated.

17. Find an outlet for your anger. If a friend is not available, look for a minister, rabbi, or professional counselor. If money is an issue, look for a therapist who will see you for a low fee.

18. Teach yourself to let go of guilt. You don’t have time for it and it’s not necessary.

19. Focus on issues you have control over. If something is beyond your control, don’t waste your emotions on it.

20. Create a ceremony to acknowledge your divorce.

21. Learn to be assertive. You can’t say yes to every request, whether it is from your family members or people in the community who want your time and resources. If you give it all away, you will have nothing left for yourself.

22. Find ways to take care of your body. Get regular checkups and make time to exercise. You need rest now more than ever. Watch your alcohol intake.

23. Find someone who will listen to you. Sometimes you have to ask, for example, “I need a sounding board right now. Can I have 15 minutes of your time?”

24. Rent a sad movie and let yourself cry (when the kids aren’t around). Crying allows you to release the sadness that you are sure to feel.

25. Do at least one fun thing for yourself every week.

26. In your private journal, make a list of all the things you’re afraid of.

27. In your private journal, make a list of all the things you worry about.

If you have children:

28. Manage your own emotions so you will be able to help your child manage his or her struggle.

• Learn as much as you can about how children respond to divorce and life in a single-parent home.

• Do not expect your child to respond the same way you do.

• Take your child’s developmental stage into consideration when responding to his or her behavior.

29. Make it okay for your children to talk to you about their feelings.

30. Keep appropriate boundaries.

• Don’t give in to the temptation to let your child take care of you.

• Let your children be children.

• Avoid burdening them with your feelings and the facts of the divorce.

• Find another adult to be your sounding board.

31. Even though you may be unable to be present as much as in the past, your children still need adult supervision. Look for ways for other adults to look in on your kids when they are home alone, even when they are teenagers.

32. Just because your child appears to be handling his or her emotions well, don’t assume that he or she is okay. Some kids respond to divorce by becoming overly responsible or by closing down their emotions. They may need to hear, “Tell me how you’re feeling.”

33. While it is important to listen and accept your children’s feelings, it is equally important to set limits on behavior.

34. Keep a private journal where you express your feelings. Be sure to keep it in a private place where your children won’t find it. A journal provides a place to express anger, sadness, loneliness, and fearall of those feelings you feel every day as a single parent.

35. Remind yourself that recovering from divorce will take time. Your recovery will happen on its own schedule, and it will happen. You will get through this intact.

36. Get together with other single-parent families. Sharing times with people facing similar issues can make you feel normal.

Garrett Coan is a professional therapist,coach and psychotherapist. His two Northern New Jersey office locations are accessible to individuals who reside in Bergen County, Essex County, Passaic County, Rockland County, and Manhattan. He offers online and telephone coaching and counseling services for those who live at a distance. He can be accessed through http://www.creativecounselors.com or 201-303-4303.

The most recent statistics show that about 50% of all marriages end in divorce. It is not very encouraging to enter into any kind of relationship knowing that it only has a 50/50 chance of being successful. Failure at anything is never pleasant, but there is one good thing about divorce. You are now free to try again and hopefully this time you will not make the same mistake.

Now I want you to think about divorce and the stock market. Do you own any stock or mutual funds that are selling for less than you paid for them? If you have owned any equities during this past three years I will be willing to bet you have some losers in your portfolio. Don’t you think it is time to think about a divorce, a divorce from a losing situation?

Suppose you sold everything today and put it all in a money market account paying 1%? I know what you think about 1%. Suppose you had dumped those losers 2 years ago and been in cash all this time? Would you be money ahead at 1%? I’ll bet you would.

You may be saying you don’t know whether this is a good time to sell or buy more. Here in one way to make that decision. Analyze the stock or fund you have. If you would not buy more of it now then the smart thing to do would be to sell. And don’t fall for the big Wall Street lie about dollar cost averaging.

Here is another way to determine how and when to sell - let the market tell you. You can place a stop-loss order with your broker for any amount you wish. Say your stock is selling for $20/share. I like to limit my loss to about 10% so I have my broker enter an order to sell me out if the stock drops to $18. If it keeps advancing I raise the stop loss order every week so that it is trailing along behind about 10%. When it advances to $30 my stop would then be at $27. This way I don’t have to guess about where to get out. Brokers don’t like to do this because they have to watch your account, but don’t let him talk you out of it. You don’t want to lose everything like you might in a divorce. Limit the damage. If you own mutual funds you will have to watch these yourself as you cannot place a stop-loss order; you have to call the broker to tell him to sell.

When you are in a bad marriage things just seem to get worse and worse. You could lose everything. When you are in a long-term bear market as we are now it is the same. Your financial assets become less and less. At least in the stock market you can limit your losses. Don’t call a lawyer, call the broker and get out.

Al Thomas’ book, “If It Doesn’t Go Up, Don’t Buy It!”
has helped thousands of people make money
and keep their profits with his simple 2-step method.
Read the first chapter at http://www.mutualfundmagic.com
and discover why he’s the man that Wall Street does
not want you to know.