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(Stocks) Discover 3 Secrets Tips that a Trader On line Already Knows About Setting Up Effective Stops
By:David Jenyns

Any trader on line needs to set stops. But there are no hard and fast rules to follow. You,need to develop a system that fits your trading style. This means you need to follow your trading plan. However, there are a few tips I can share with you about stops that you might already know. Keep these in mind as you practice and cultivate the skill of setting stops.First, find out if your broker has rules about where and how stops are set. For example, some brokers have a rule that protective stops must be set at a minimum amount below the current bid when you`re long, a stop sell, or above the current ask when you`re short, a stop buy to cover. The rule may be that a stop sell order must be at least .25 below the current bid.This trade isn`t usually a problem with a high priced position. But, with a very cheap position, you, the trader on line, might not be able to set a tight stop unless you wait for the bid to move up. In addition, if the price of a position is dropping quickly, the bid may come too close to the stop you`re trying to place before you`re able to place it. This can cause your order to be rejected. Another rule some brokers have is that stops can`t be set more than a certain percentage lower than the current bid or, on a short, higher than the current ask. They may specify that a stop be set no more than 30 percent lower or higher. I have no idea why you, the trader online, would ever want to lose 30 percent of the value of your trade before stopping out, and I would never recommend setting a stop that low.My second tip is to always review orders carefully before placing them. You`d think it would be impossible to place a limit order when you, the trader on line, mean to place a stop, but it`s easy to do when you`re in a hurry. You need to make sure you, the trader on line, don`t enter a limit order out of habit when you mean to place a stop loss. If you place a limit sell order at a price below the current bid, at the place where you meant to place your stop, it will execute right away and you`ll be out of the trade. Since a successful trader on line generally uses limit orders to enter a position; it`s not surprising that many traders have been known to place two limit orders in a row. Last, don`t leave stops in place overnight. Many markets are volatile at opening. Most mornings, for instance, NASDAQ stocks either gap up or gap down from their prices at the previous day`s close, and then they swing wildly as overnight market orders are filled. For example, a stock could close at 33, open the next day at 32.80, drop to 31.94, and then bounce back up to 33.15 before stabilizing and finding its direction. It could also close at 33 after a good day, open the next day at 33.75, spike up to 34.50, and then drop back to 33.60. The possibilities are endless.If you, the trader on line, have an overnight stop in place on a long position, it`s likely to be triggered by the morning`s volatility. This normally will stop you out at the low end just before the stock bounces back up. Remove your stops after the market closes, and reset them after the opening changes the next morning so they will protect you, the trader on line, from a real downside rather than routine volatility. You might consider doing what one trader on line does, particularly when the market has no consistent direction. Avoid holding many positions overnight. Once you, the trader on line, gets better at expecting what will probably happen the next day, realizing there can always be overnight surprises, you`ll feel more comfortable making judgment calls. As always, if you, the trader on line, don`t have a good idea what will happen, it`s best to avoid the situation, and stay out of the position. In addition, if you`ll be unable to trade for several days, consider whether it makes more sense to set stops or to exit your positions altogether. Unless you`re in a great long term trend trade and the market has a definite direction, it may be better to exit all positions and start fresh when you return to trading. Your capital and profits will be safe, and new trading opportunities will be waiting for you.
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Retirement Savings Calculator -- Why It's Important
by Robert Sherman

Why do I need to save for my retirement? After all, aren't the government and my company going to provide for my retirement income? And, not only that, but I'll be making so much more money in the future that I'll be able to make up for lost time then.

It's sad that many Americans think that providing for their retirement is somebody else's responsibility. Savings rates have declined over that past decade and many people are pulling money out of their savings just to make ends meet.

But, that fact is that others are not preparing for your financial future. And, too many people themselves are failing to prepare financially for their own retirement.

The National Retirement Risk Index, prepared by Boston College's Center for Retirement Research, indicates that 43% of households will fall short of having 90% of the assets they need to maintain their lifestyle into retirement. Generation Xers are worse off with 49% not preparing adequately for retirement.

Government is not the answer. The federal government is feeling the pinch of its overspending habits. President Bush plans for the federal government to spend about $2,885 more per individual taxpayer than it expects to receive in taxes in 2007. About a quarter of your tax money already goes to pay the interest on the national debt. Debt payment is one of the fastest growing parts of the federal budget.

Social Security is not in any better shape. All the excess Social Security taxes now collected are spent by the government. They place IOUs in the form of bonds in the Social Security Trust Fund. The Trust Fund consists pieces of paper with promises to pay future benefits--no real assets. And, the Social Security system is expected to start paying out more in benefits than it receives in taxes by 2017.

Businesses are also feeling the pinch of foreign competition. Large corporations are increasingly hard pressed to meet their promises to pay their retiree's medical care. Competition with foreign companies that provide few employee benefits have forced some US companies to declare or threaten to declare bankruptcy in order to reduce employee compensation and benefits.

The stool with the three "legs" of retirement security (the government, your company, and you) is starting to wobble. And two of those legs are getting pretty weak. That gives you increased responsibility.

If you retire at age 65, you will probably live for another 30 or 40 years. You must prepare to provide a retirement nest egg that will help supply your financial needs for at least 40 years.

The best way to determine how to have a successful retirement is to use a retirement savings calculator. This will show you the growth in your retirement savings during your working years as well as the value of your savings during the years you withdraw money after retirement.

By adjusting how much you save, the rate of return on your investments, the expected inflation rate during retirement, the amount of pension and Social Security you expect, and other factors, you can determine a plan of action that will sustain you as long as possible.

Here are some of the factors that will affect the amount of retirement savings you accumulate and how long those investments will last.

- Current annual income

- Percentage of your current income you invest for retirement

- Number of years until you retire

- Percentage annual increase you expect in your annual earnings

- Percentage of your final earnings you'll spend if retired

- Amount of your pension and Social Security you expect to receive

- Inflation rate during your retirement years

- The amount you currently have invested for retirement

- Expected average growth rate of your investments

By entering various values into a retirement savings calculator you can see how to improve your chances for a successful and prosperous life as a retiree.

Let's look at an example.

Suppose you are 25 years old, starting in a professional job at $50,000 a year with no savings and expect to see increases in your income and inflation of about 4% a year. And you believe you can invest and get a tax free 8% rate of return. You'll invest for 40 years and need about 60% of your then current income for retirement living expenses. You'll consistently invest 8% of your income for retirement.

At retirement you expect to receive an annual pension from your company of $35,000 and Social Security of $20,000.

You can expect, at age 65, after 40 years of earning and investing, that your retirement nest egg will be about $1.765,658. That seems pretty good, but your initial annual spending at retirement will be about $144,031. Overall, your investments will provide 29 full years of inflation protected income before they are depleted. At that time you will have to count on only your pension and Social Security, and drastically lower your standard of living.

If you had saved 10% of your income instead of 8%, your retirement nest egg would last 45 years. This small change would allow your investments to carry you through the rest of your life.

You can see how minor adjustments in your retirement preparation can make a significant difference in your future standard of living.

The sooner you start using a retirement savings calculator to adjust your savings plan, the smaller the adjustments you'll need to make. There is no time like the present to help ensure a prosperous retirement.

About the Author
Robert Sherman is the owner of Bob Sherman Credit ( http://www.bobshermancredit.com/ ) which provides information about credit, debt, and wealth building. A retirement savings calculator is available to help you plan for a prosperous retirement.

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PREPARING FOR OLD AGE.

Socrates was once asked by a pupil, this question: "What kind of people shall we be when we reach Elysium?"

And the answer was this: "We shall be the same kind of people that we were here."

If there is a life after this, we are preparing for it now, just as I am today preparing for my life tomorrow.

What kind of a man shall I be tomorrow? Oh, about the same kind of a man that I am now. The kind of a man that I shall be next month depends upon the kind of a man that I have been this month.

If I am miserable today, it is not within the round of probabilities that I shall be supremely happy tomorrow. Heaven is a habit. And if we are going to Heaven we would better be getting used to it.

Life is a preparation for the future; and the best preparation for the future is to live as if there were none.

We are preparing all the time for old age. The two things that make old age beautiful are resignation and a just consideration for the rights of others.

In the play of Ivan the Terrible, the interest centers around one man, the Czar Ivan. If anybody but Richard Mansfield played the part, there would be nothing in it. We simply get a glimpse into the life of a tyrant who has run the full gamut of goosedom, grumpiness, selfishness and grouch. Incidentally this man had the power to put other men to death, and this he does and has done as his whim and temper might dictate. He has been vindictive, cruel, quarrelsome, tyrannical and terrible. Now that he feels the approach of death, he would make his peace with God. But he has delayed that matter too long. He didn't realize in youth and middle life that he was then preparing for old age.

Man is the result of cause and effect, and the causes are to a degree in our hands. Life is a fluid, and well has it been called the stream of life we are going, flowing somewhere. Strip Ivan of his robes and crown, and he might be an old farmer and live in Ebenezer. Every town and village has its Ivan. To be an Ivan, just turn your temper loose and practise cruelty on any person or thing within your reach, and the result will be a sure preparation for a querulous, quarrelsome, pickety, snipity, fussy and foolish old age, accented with many outbursts of wrath that are terrible in their futility and ineffectiveness.

Babyhood has no monopoly on the tantrum. The characters of King Lear and Ivan the Terrible have much in common. One might almost believe that the writer of Ivan had felt the incompleteness of Lear, and had seen the absurdity of making a melodramatic bid for sympathy in behalf of this old man thrust out by his daughters.

Lear, the troublesome, Lear to whose limber tongue there was constantly leaping words unprintable and names of tar, deserves no soft pity at our hands. All his life he had been training his three daughters for exactly the treatment he was to receive. All his life Lear had been lubricating the chute that was to give him a quick ride out into that black midnight storm.

"Oh, how sharper than a serpent's tooth it is to have a thankless child," he cries.

There is something quite as bad as a thankless child, and that is a thankless parent an irate, irascible parent who possesses an underground vocabulary and a disposition to use it.

The false note in Lear lies in giving to him a daughter like Cordelia. Tolstoy and Mansfield ring true, and Ivan the Terrible is what he is without apology, excuse or explanation. Take it or leave it if you do not like plays of this kind, go to see Vaudeville.

Mansfield's Ivan is terrible. The Czar is not old in years not over seventy but you can see that Death is sniffing close upon his track. Ivan has lost the power of repose. He cannot listen, weigh and decide he has no thought or consideration for any man or thing this is his habit of life. His bony hands are never still the fingers open and shut, and pick at things eternally. He fumbles the cross on his breast, adjusts his jewels, scratches his cosmos, plays the devil's tattoo, gets up nervously and looks behind the throne, holds his breath to listen. When people address him, he damns them savagely if they kneel, and if they stand upright he accuses them of lack of respect. He asks that he be relieved from the cares of state, and then trembles for fear his people will take him at his word. When asked to remain ruler of Russia he proceeds to curse his councilors and accuses them of loading him with burdens that they themselves would not endeavor to bear.

He is a victim of amor senilis, and right here if Mansfield took one step more his realism would be appalling, but he stops in time and suggests what he dares not express. This tottering, doddering, slobbering, sniffling old man is in love he is about to wed a young, beautiful girl. He selects jewels for her he makes remarks about what would become her beauty, jeers and laughs in cracked falsetto. In the animality of youth there is something pleasing it is natural but the vices of an old man, when they have become only mental, are most revolting.

The people about Ivan are in mortal terror of him, for he is still the absolute monarch he has the power to promote or disgrace, to take their lives or let them go free. They laugh when he laughs, cry when he does, and watch his fleeting moods with thumping hearts.

He is intensely religious and affects the robe and cowl of a priest. Around his neck hangs the crucifix. His fear is that he will die with no opportunity of confession and absolution. He prays to High Heaven every moment, kisses the cross, and his toothless old mouth interjects prayers to God and curses on man in the same breath.

If any one is talking to him he looks the other way, slips down until his shoulders occupy the throne, scratches his leg, and keeps up a running comment of insult "Aye," "Oh," "Of course," "Certainly," "Ugh," "Listen to him now!" There is a comedy side to all this which relieves the tragedy and keeps the play from becoming disgusting.

Glimpses of Ivan's past are given in his jerky confessions he is the most miserable and unhappy of men, and you behold that he is reaping as he has sown.

All his life he has been preparing for this. Each day has been a preparation for the next. Ivan dies in a fit of wrath, hurling curses on his family and court dies in a fit of wrath into which he has been purposely taunted by a man who knows that the outburst is certain to kill the weakened monarch.

Where does Ivan the Terrible go when Death closes his eyes?

I know not. But this I believe: No confessional can absolve him no priest benefit him no God forgive him. He has damned himself, and he began the work in youth. He was getting ready all his life for this old age, and this old age was getting ready for the fifth act.

The playwright does not say so, Mansfield does not say so, but this is the lesson: Hate is a poison wrath is a toxin sensuality leads to death clutching selfishness is a lighting of the fires of hell. It is all a preparation cause and effect.

If you are ever absolved, you must absolve yourself, for no one else can. And the sooner you begin, the better.

We often hear of the beauties of old age, but the only old age that is beautiful is the one the man has long been preparing for by living a beautiful life. Every one of us are right now preparing for old age.

There may be a substitute somewhere in the world for Good Nature, but I do not know where it can be found.

The secret of salvation is this: Keep Sweet.