On the net exchanging has grown on an ongoing basis from the earlier 10 years. A stock speculator have to make use of a brokerage to get into their particular inventory requests.

First off, if you are going to "play" the Penny stocks, you should be trading the majority of them and not investing in them. You'll understand why shortly.

Penny stocks are normally those that have a share price of $5 or less, with many being under a penny. Those stocks that sell for less than a penny are called "subbers", as they are a sub-penny in value. Some actually trade in the hundredths of a cent.

The majority of the pennies and subbers trade don't trade on the higher exchanges, such as the NASDAQ or AMEX, but rather on the Pink Sheets or the Over the Counter Bulletin Board (OTCBB). This is due to them not meeting the minimum requirements of the higher exchanges, primarily because they are emerging, small companies in the development stage.

Before getting into the actual nitty gritty of the trades, you will need to meet your own requirements before trading:

- Most importantly, never trade with money you can't afford to lose! Read that again. Too many people take money out of savings, their paychecks, etc., that is needed for their daily expenses. The worst case is taking out a loan to "invest in a sure winner". Greed kills. Mortgage or rent goes unpaid, marriages suffer, etc.

- Find a broker that has online trading AND also will allow you to trade in penny stocks on the Pinks and OTCBB. Not all do, and you don't want to take the time to set up an account and find out later that you can't trade the penny stocks. Check first before signing up!

- You will eventually migrate to a trading forum board on the Internet and discover all sorts of great picks - not! The message boards are dangerous to your trading account for a variety of reasons. More to come on this below.

- Learn this term and apply it every time you think you want to buy a certain stock: Due Diligence, or DD. This involves researching everything you can find on the stock, and only factual, verifiable information. Some of the resources are the company's own web site, official press releases (PRs), web sites such as Yahoo Financial, The Pink Sheets, InfoQuotes, etc. One thing that is NOT DD is getting info from the message boards, unless there is a verifiable source.

- Have an entry point and an exit strategy. Don't buy into a buying frenzy, as the stock will most likely retrace down shortly after. Look for a good buying opportunity entry point. Decide on an exit point: how much do you want to safely make? You can put in a "stop" on your account that will normally automatically sell your shares if the price drops to the level you set your stop at. Some people want to risk only 30%, for instance, and set a stop for a 30% loss. A really good method is to use a "trailing" stop to lock in profits. If you set a trailing stop for 30%, as the share price climbs, your stop trails along behind the new share price.Message boards - these are very dangerous due to the anonymity of the people posting messages both for and against the stock. You have no idea who or what agenda the posters have. "Pumpers", who continually post outlandish positive claims that are outright lies or exaggerations, and "Bashers" who do the opposite, inhabit these forums. Their agenda is to drive the price per share up or down, depending on their particular agenda.

The amateurs, or "newbies", that sign onto these forums will wind up following the posters who tell them what they want to hear, regardless of reality. We all want our stocks to skyrocket, so we tend to listen those pumpers who satisfy our psychological needs and ignore the people that question not only the pumpers but also the company itself. A really good board will allow free discussion of both sides as long as the posters can substantiate their claims. Flame wars are all too prevalent on a lot of these forums, and should be avoided. It's nothing but noise and distraction. By the way, DD is NOT listening to a pumper or a basher on the boards!

I mentioned in the beginning that you should trade and not invest in these penny stocks. The land of pennies is littered with the victims of scam artists, both involving the companies themselves and people not affiliated with the company. You see, penny stock companies trading on the Pink Sheets have almost no responsibilities to the "investors" or to the SEC. They don't have to report their financial figures nor the number of shares authorized and outstanding. This leads to unscrupulous people who set up a penny stock company very easily and then issue millions, and sometimes billions, of shares. They then pump themselves on the message boards and give the false impression the company is going to make millions of dollars on something. The price per share goes up, people notice and start buying more, and the buying frenzy starts. But, the company CEO and his henchmen start selling into the frenzy, making a fortune. Guess what? You lose.

The other hazardous maneuver is the "group play". A few people get together, buy up tons of very cheap shares of a pink sheet company that's going nowhere. They then start pumping the hell out it on forums and sometimes emails to subscribers. The buying frenzy begins, people don't want to miss out and load up with more shares, and the scammers sell their shares into the buying frenzy similar to the CEO scenario above. They make a killing; the price per share starts dropping back to the original price or a lot of times below it. You lose. Again. Get the picture?

Bottom line: don't invest long term in these companies. Watch the trading patterns, get into one that starts going up, and take a quick profit and get out. Repeat this a number of times and you start building up your account. DON'T get emotionally involved or married to the stock. The vast majority of penny stocks go out of existence and leave the "investors" with worthless stock.

If you really feel that the company just might be a good long-term play, you should sell just enough shares when the price rises to get back your original cost. Then you have "free" shares riding for the long term. If it skyrockets in a year or two, you have a great profit that cost nothing. If it goes bankrupt, then who cares - it didn't cost you anything and you still have the original money to play other stocks.

Play it smart and learn everything you can from the tremendous resources available on the Internet. And good luck!

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Steps to make your house Wheelchair offered. Well first thing to ascertain may be the top that you include.

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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Stocks together with low price/book rates or price/earnings quotients. Over time, benefit shares have relished better typical earnings compared to progress stocks and shares (stocks and options together with higher price/book or P/E quotients) in a variety of international locations

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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Exactly what is your Stock exchange? It is a great sorted method wherever everyone and also everybody could often purchase or advertise the stocks as well as gives

Being underwater is the worst. Some bipeds may look to the ocean or the pool with longing and may be giddy once inside. But human beings are meant to walk and hunt and mate and live on land. So it goes for the term being underwater in your investing. If you find yourself in a position where you've bought into a stock and the stock has lost value and the shares you bought are now worth less than what you paid for them, you are underwater. You should know a few things especially for penny stock investing before you make any sudden moves with your positions.

How many shares are outstanding? If you are a penny stock investor in a company that's gotten a little share happy and just keeps issuing new shares, this could be the reason that you're underwater. Dilution is a major cause for penny stocks to go belly up. However your penny stock could also just be going through normal fluctuations of stocks. Before you double down or anything like that, make sure you know when the last share issuance was, for how many shares it was, and if the retreat in value is because of a flood of shares.

Has Your CEO Been Spending? If the rumor around the chat mill is that your CEO is spending big bucks on planes and hotels, this could be bad for your bottom line. Don't trust the heathens who live in the chat rooms. Call investor relations and get the straight skinny. They should be able to tell you where the CEO went and why. If they can't you may be underwater without a breath left. However if they are inking international deals, planning some big launch or something else, the profit wheel could be turning sooner than you know.

Shift in Plans: Many times retracements are from a shift in plans. The market doesn't like uncertainty. But you're smarter than the market anyway. If this shift in plan looks to be a winner for your flagging penny stock investment, you may wish to adjust your position or even double down if you're feeling lucky. A shift in plans in your underwater penny stock positions could be just the move to get you the air you've been looking for.

Due to the volatility of penny stock investing you never know if your positions will ever regain value. You may end up all the way down at zero with no money in your individual positions. However for some savvy penny stock investors, being underwater in your penny stock positions is nothing more than an opportunity. Before you go throwing darts into the wind though you should know a few things about the stock you're invested in and the relative value to your shares or you could be the one who winds up holding the bag.

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Stock Market place Trading Memory joggers That will Support Merchants Make money from Stocks

I believe that stock trading is the greatest business one can get into:

It's a level playing field. The market does not care about your race, gender, age, or nationality. It does not care about your background, education, whom you know, or what you think. It does not care where you are. It does not care, period.

The market is an endless opportunity. It's always been there and will always be there - as long as there is fear and greed. Nobody can take it away.

Your life does not depend on anybody. Nobody can fire you. You don't have to ask for permission to trade. You set your own hours and take vacations as you please.

There are few barriers to entry: trading capital and skill level. Other than that, all you need is a passion for trading, a powerful computer, and a fast Internet.
But you must treat trading as a business.

Amateurs focus on stock picks. Successful traders focus on the system. The key is the ability to produce profits consistently over time. A good trading system should include at least three key components:

1) Stock selection;

2) Portfolio management;

3) Emotion control.

Stock Selection

The market is too big for anybody to be equally good at everything. Find a niche that best fits your style and get good at it.

No system works 100% of the time. The market is an equal opportunity mechanism. It favors different styles at different times. All you need to do is wait for your turn and act decisively when it comes.

Portfolio Management

Trading capital is the lifeblood of your business. Stocks are your inventory. You turn over the inventory for a profit. Lose your trading capital - lose your business.

The overriding goal of portfolio management is capital preservation. You should expect to sustain losses as part of doing business. But no one position should hurt you to the point that it puts you out of commission. Your system should incorporate position size / number of positions, loss limits, and risk/reward ratios.

Emotion Control

It's not the stock that makes you money, it's what you do with it. Your worst enemies are inside you: fear, greed, doubt, and hope. Gains will make you overconfident and careless while losses can paralyze or drive you to desperate steps. Have a way to control your emotions. Maintain poise and detachment under most circumstances.

Like with any business, your success or failure in trading will depend on your skill level and how much effort you are willing to put into it. There are no short cuts.

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Handicap Ramps For Any Room In The House

WESTBROOK - Imagine a senior citizen falling on a series of three stairs located just beyond the door connecting the Westbrook Senior Center to the Town Hall.

Such a scenario concerns Dottie La Grua, Director of the Westbrook Senior Center who sits at the nearby registration desk.

While the design is less than ideal, further complicating the situation is the refusal of First Selectman John Raffa to pay $18,000 in architectural fees which are eleven months overdue.

Such refusal has prompted the architect, C. Jim Lawler, from C.J. Lawler Associates in West Hartford to write a letter to Connecticut Attorney General Richard Blumenthal.

While a ramp runs parallel to the steps, LaGrua said it requires one to make a sharp turn to the right, especially difficult to make for wheelchairs and motor scooters.

"More seniors are using the ramp than the stairs," LaGrua said, who added that many find the ramp easier to use.

The Senior Center Building Committee approved the design of the door, stairs, and ramp location during the design phase, Lawler said, adding that "it was felt the majority of people would use the stairs."

Lawler confirmed that there are 61 inches between the door and the first step just barely meeting the American with Disabilities Act requirement of 60 inches.

After approval, several expressed concerns about the design, Lawler said.

In a letter to Blumenthal, Lawler wrote, "I informed the First Selectman at that time, Tony Palermo, that the steps could be moved forward 18" to 24", creating a larger landing, or the new door and frame could be provided. We also informed Tony that we would pay for the new door and frame, even though our work responded to the plans approved by the building committee and exceeded ADA regulations. Our offer was rejected; therefore, I took it off the table."

While Palermo agreed that the committee decided not to take Lawler's offer because the door was "custom made and it would take a while to get a new one," there is no mention of a vote either way in the Senior Center Building Committee minutes.

Lawler said the entrance could have had double doors rather than the current design of a door on the left side with a nine glass windows on the right side.
Such an expensive change would have cost $1,000 at the time for hardware for the new door, Lawler said.

It was not possible to have a ramp on the left side parallel to the door, Lawler said, because it would have prevent access to the registration desk and required guests to go down the ramp and come back up to the desk.

Lawler wrote that after Raffa was elected as the new First Selectman, "I was summoned to his office, and in a hail of profanity, was informed that he was '...the new sheriff in town' and that my contract, agreements and discussions with the past First Selectman and the building committee were no longer relevant. I was to do whatever he directed."

While Lawler told Raffa that requirements of ADA, fire code, building code and the contract were being met, Lawler wrote "he was expressly not happy."
Lawler said out of $65,000, the town paid for $47,000 and owed $18,000.

Despite multiple billings, Lawler said he never received the $18,000.

After discussions with Town Attorney John Weber, Lawler said he was promised on May 23, 2006 that if the bill was reduced, Raffa would release funds.

"I feel that this is a public official, using his position's power inappropriately and in a manner that appears to be to be extortion," Lawler wrote.

Lawler reduced the bill to $15,500, but after eight months, the bill still was not paid.

"I am no longer willing to reduce my fee and would like payment of the full $18,000 plus interest, as required by our contract of one percent per month for a total interest of $19,530 through January 31, 2007," Lawler wrote.

Palermo confirmed that Raffa was solely responsible for holding up the bills.

Lawler said he sent a letter to Blumenthal regarding the issue because the project was financed by a $7,000 state grant and because of Raffa's history of illegal and inappropriate behavior.

Blumenthal was not available for comment on the issue at press time.

LaGrua said about half of those visiting the center use the exterior entrance which is adjacent to five handicap parking spaces.

Visitors can either transverse seven concrete steps or a long handicap ramp, both of which are more pronounced than their indoor counterparts.

Both lead to the center's patio which has access to the building through two doors on each side.

LaGrua said more use the outside entrance in the summer and more use the hallway entrance in the winter.

Handicap ramps to firefighters grant

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