Why do house prices rise and fall

Ask an economist or realtor this question and he or she will reel off a long list of economic “fundamentals” like:

• Supply and demand

• Interest rates

• Immigration

• Unemployment

• Economic conditions

• Cost to rebuild

• Availability of land

• Location! Location! Location!

Okay, then, in California between 1988 and 1990 house prices rose 50% in most cities. A similar thing happened in New England two or three years earlier, where prices rose up to 75%. In Australia there was an even more stark example – house prices doubled, almost country wide, in a 12 to 18 month period from the end of 1987.

What “caused” these booms? Was there a sudden drop in supply and a huge increase in demand? No. How far did interest rates fall? They rose! Remember those sky high interest rates in 1989? Was there a sudden massive increase in immigration or fall in unemployment? A shortage of land? A rapid inflation in building costs?

It was none of these things. It never is a change in economic “fundamentals” that causes a boom or bust in house prices, despite what well-meaning economists might tell you via the perhaps not so well-meaning media. You have been dumbed down (conditioned) into believing that the earth is flat when it has always been round. And you never question it.

Think about it: If availability of land had anything to do with house prices, how could real estate values fall 80% in Japan in the decade following 1992 or fall 65% in Hong Kong between 1997 and 2002? Those countries have a genuine “shortage of land.” And if location is the three golden rules of property investment, then why do some of the best properties fall the most in a bust?

There is only one thing that changes whenever there is a boom or bust in house prices. And that is the collective mindset (mood) of the “herd.” Humans are driven by an unconscious urge to herd together and all do the same thing at the same time. That’s why they all panic at the same time. Logic and common sense does not influence your decision to buy or sell real estate. Emotion and impulse does. That’s why you often buy at the top. You buy “because everybody else is making money” and you don’t want to “miss out.” On the way up panic is motivated by greed. Then you sell at the bottom (panic motivated by fear) “in case prices fall further.”

I often say to my readers, when in doubt there is only one simple rule of investment you need to remember – buy when prices are low; sell when prices are high. Yet it is human nature to do the opposite. When house prices are on the bottom and have been nowhere for many years, nobody wants to buy. But once they double in price, everybody wants to buy. I rest my case.

How do you break free from a herd of lemmings that might be rushing toward a cliff to commit mass financial suicide? How can you separate yourself from the pack and avoid the mistakes that most investors make?

The remarkable thing is that human crowd behavior has a pattern to it and you can learn that pattern. We call it the Wave Principle. The bottom line of a new science called socionomics is: mood governs events and not the other way around. Once the penny drops as to what that means, and you learn how to count the waves, it can be like discovering for the first time in your life that Santa Claus is not true.

You have been taught to study the plane. I teach you how to study the pilot.

Treating scurvy problem

Scurvy occurs when the person suffers from vitamin C deficiency. It is a very common disease that affects people of all ages. The root cause for this disease is lack of vitamin C or ascorbic acid, present in fresh fruits and vegetables mainly citrus fruits. Ascorbic acid is very useful in the formation of collagen and any other deficiency related to tissue synthesis. Importance of Vitamin C is highlighted when affected by such disease because it helps in forming gums, skin, blood vessels, ligaments and tendons. If left untreated it can be fatal.

Common symptoms to be aware of when affected by scurvy are bleeding gums with loosened teeth, soreness and stiffness of the joints, general weakness, anemia, gum disease (gingivitis), skin hemorrhages, slow healing process and many more. It is a nutritional problem and can also result in 'corkscrew hair' along with other gum related problems. Other problems include nausea, tiredness, a troubled feeling, easy bruising, dry skin and hair and bleeding into muscles and joints causing pain.

Smoking and different diseases can also cause a drastic reduction in vitamin C which can be as huge as 50 per cent. People suffering from arthritic pain, ulcers are at the risk of reducing good sources of vitamin C. Staying away from acidic sources (rich vitamin C content) such as oranges and lemons reduces vitamin C. Smoking a pack of cigarettes also cuts down on vitamin C by 50 percent. Using aspirin on daily basis helps in the process of increasing your chances of scurvy or sub-scurvy. Smokers are recommended to have at least 100 milligrams of vitamin C daily.

Home Remedies for Scurvy

Include vitamin C rich diet in the form of fruits and vegetables or vitamin C supplements. This helps in stemming bleeding and also minimizes the pain. Take moderate dose of these fruits and vegetables like oranges, lemons, grapefruits, kiwi fruits, broccoli, green peppers, tomatoes, cabbage, sprouts and sweet potatoes in your diet. You can also add nutritious milk, liver, kidney and fish which contains good amount of vitamin C, even after cooking and preserving.

Being on grape diet is very helpful in treating scurvy. Grape diet can consist of raw grapes as well as grape juice.

Indian gooseberry contains ample vitamin C which can be used to treat scurvy by including it in your diet.

Warning: The reader of this article should exercise all precautionary measures while following instructions on the home remedies from this article. Avoid using any of these products if you are allergic to it. The responsibility lies with the reader and not with the site or the writer.

Great new discovery helps you air bed

Inflatable air beds can then be filled up again using the pump. The bed includes a portable electric air pump and rechargable AC adaptor. Dual chamber replacement air bed pump with single wired remote control. Note that some child air beds feature a rechargable battery-powered pump, while others employ a plug-in AC pump. This two-way pump not only inflates the airbed but also completely deflates it in under 3 minutes. Includes a FREE built-in electric pump that plugs easily into any wall, making these air beds self inflating and deflating for much easier storage. Pump is attached to airbed-no separate pump to carry or lose. Each air bed control is connected directly to its separate inflator pump by a small flexible cord. The airbed pump also has a rechargeable battery, making this air bed perfect for the road, home, or campsite. Aerobed exclusive, patented pump and valve technology allow their air beds and other products to inflate quickly and deflate just as easily.

Each airbed sleep system comes with its own fully adjustable control, ensuring that you both get a good night's sleep. FurnitureEsuperstore Accent furniture, futons, daybeds, air beds, waterbeds, and other bedroom furniture sleep items. Quality adjustable air beds systems and air bed accessories for a good night's sleep! You owe yourself a full night of sleep on an air bed. Our AC3200 air control system allows infinite adjustment of either side of the bed for the perfect night's sleep. Easily converting into a chair or a bed, this Playhut sofa bed will seat or sleep any child. Each inflatable air bed comes with its own fully adjustable control, ensuring that you both get a good's night sleep.

You should consider an air mattress - this is pretty much the cheapest way to have bedding outside of living in a barn. All inner spring mattresses can do is absorb weight, they can not displace body weight like an air bed or mattress! Large room with, fireplace, dual person pedestal soaking tub, queen size bed and daubed, air bed mattress also available. This set of two gray fittings can be used to repair an airbed mattress hose that is leaking. You may need an air bed mattress replacement. When not in use, this ultimate AeroBed air mattress easily rolls up and fit nicely into its own carrying tote. Replace your waterbed mattress with a Comfortaire sized to fit your platform. All the benefits of an air bed and memory foam mattress - combined. Indeed, it is the heart of an airbed mattress, and the construction of the bladder, and how it inflates and deflates, is important. It is important to note that not all air mattress and air bed sleep systems are the same. With an air bed, each side of the mattress can be adjusted to any firmness level. A comfortable bed became a coil adjustable air bed mattress. Consider including an air pump for ease of filling and deflating your new portable inflatable airbed mattress. Find the right air bed, air mattress, and home furniture that fits in your home. Some individuals who relocate frequently prefer an air bed over a traditional mattress due to its portability.

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Wealth management effectiveness is a must

You have spent many years of your life managing your finances. You now have a good amount of money set aside. You need someone to handle wealth management for you so that that money will grow at a good rate without being lost. While you can do all the investing and managing yourself, you may want to turn this over to a professional as well. While there are no investments that are not risky somewhat, wealth management companies are some of the best choices to make.

What To Look For:

When choosing a wealth management company, you will want to make sure to look into several important things. Here are some of them:

• Most importantly, find out what they are going to do for you and what sort of confidence do they have in those methods. What are the risks they plan to put you in? Is this what you want?

• Look at experience. You want a wealth management company that will be able to know when to make their moves and this comes greatly from experience. Finding a company that has a good history of gains is also important.

• Look at the company's reputation. You can likely find people recommending or warning you about investment firms. You can also find information about them from the Better Business Bureau.

• What are they going to charge you? You obviously do not want to overpay, but when it comes to quality over lower prices, wealth management companies that are better in quality are better choices.

• Do they provide you with enough communication? If they cannot commit to providing you with the communication that you need, then you may feel as if you do not have enough information to make a good decision.

• Lastly, ask yourself if you feel that you can trust them. A trustworthy wealth management company is essential to your own stress levels! Go with your gut instincts here.

The wealth management companies that you do go with should be ones that you can count on to manage your money the way that you are comfortable with.

Casino en ligne decouvrez l histoire des jeux video de casino

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Compte tenu de l'imprйcision de la dйfinition mкme du jeu vidйo, sa date d'apparition n'est pas claire. Ce loisir aurait dйbutй, aprиs divergences et dйbats de spйcialistes, dиs 1962 avec Spacewar. Pong reste cependant le premier jeu dont le concept fut le dйclencheur de la vidйo mania.

Jusqu'en 1983, celle-ci connaоt une effervescence puis un dйclin incontestable. Avec le dйveloppement des technologies au Japon, celle-ci revient sous les feux de la rampe en 1985 avec ses premiиres consoles NINTENDO et les fameux jeux de la sйrie Super Mario ou Mario Bros.

Mais cette technologie de jeux vidйo s'applique йgalement dans le domaine des jeux de casinos en ligne ou en cercle reel.

En effet, on y retrouve les fameuses bornes d'arcades. En cercle rйel, une salle leur est tout particulierement consacrйe.

Un jeu d'arcade se trouve dans une machine munie d'un monnayeur, d'un йcran et d'un dispositif de contrфle. Ils ont la particularitй d'кtre payants, on achиte un ou plusieurs crйdits en glissant une ou plusieurs piиces dans le monnayeur. Selon les jeux et les rйglages, chaque crйdit permet de dйmarrer une partie, la continuer aprиs avoir perdu, acheter des bonus dans le jeu, le joueur doit apprйcier au maximum un jeu d'arcade dиs le dйbut car une partie ne dure gйnйralement que 5 ou 6 minutes au contraire des jeux virtuels oщ une partie peut durer plusieurs heures d'affilйes.

Les jeux d'arcades au sein des casinos sont: Le Bonus Bowling, Jour de Derby, Dйs Tourbillon, Pile ou face, Flйchettes Jackpot, Keno, Jackpot Gйnie Haut Bas, Mйgaball, Tir de pйnalitй, Pop Bingo, Dйs et Montagne russe, roue gagnante, Video Poker, Quilles payantes, Poker slots, Gйnie Haut Bas, Tour du Monde, Roche papier Ciseaux, Kйno Expйrience.

On trouve ces jeu vidйo en ligne gйnйralement sous une version 3D, avec bruitage et effets sonores et couleurs flash.

Aprиs plusieurs crises principalement dues а une baisse de la qualitй des productions, le jeu vidйo s'est rapidement hissй а un rang d'activitй majeure. L'йconomie crййe autour de cette pratique a eu des consйquences notables sur notre sociйtй. La montйe en puissance des ordinateurs et la rentabilitй de la loi de Moore peut кtre en grande partie expliquйe par le fait que les personnes qui sont le plus enclin а acheter un matйriel informatique neuf et souvent rйnovй sont principalement des joueurs ; la bureautique et la navigation sur internet йtant des activitйs requйrant de faibles ressources matйrielles. Pour cette raison, les fabriquants de matйriel informatique (cartes graphiques, cartes audio…) ont trиs tфt sponsorisй les compйtitions de jeu vidйo.

Mad or sad - anxiety

At some stage in our lives we all will have suffered a bout of being anxious due to a bad moment. Missing a bus or late for an appointment is enough to trigger uneasiness, which is quite a normal reaction.

Prolonged anxiety which meddles with a person's everyday life tells us that we are now dealing with a condition called (anxiety disorder).

Coping with excessive anxiety can be a struggle but with the right medical advice and help then this ailment which is associated with other psychiatric conditions such as depression can be tamed.

In the UK 1 in 10 people battle to lead a normal life, the severity of anxiety powers is no doubt a mighty force to contend with where the effects can turn a persons life upside down.

Anxiety that flares up with no identifying reason behind the cause has to be questioned. Strong/severe anxiety that tampers or interferes with daily routines - activities is considered abnormal.

Symptoms to look out for with (Physical Anxiety) is dry mouth/diarrhoea/abdominal discomfort/breathlessness/fast heartbeat/problem swallowing/dizzy spells/ tightening of the chest. These are a result of when the brain sends out signals to other parts of the body while at the same time releasing stress hormones/adrenalin. Organs affected are lungs heart etc that are now geared up to work faster.

The fear of going mad and lack of concentration are two serious symptoms endured as well as insomnia and uncontrollable outbursts of rage - anger if suffering from psychological anxiety.

Medication and treatments like psychotherapy/ counselling and more are available.

Anxiety is treatable so please if you or someone close is having a bad time trying to cope with any of the symptons mentioned earlier then make an appointment to speak with your doctor.

Mad or sad

Some people who suffer from anxiety may appear to look and do things a little differently to which an outsider may find funny, depending on the outsider of course. Because of their lack of understanding on this condition they find it hilarious to poke fun and make nasty remarks towards the person suffering from this condition causing more misery for the sufferer.

Yes I would say sufferers are mad, mad with the ignoramuses who continue to add to their torment.

And saddened furthermore at how their tomentors proudly show their ignorance behind the meaning of the word compassion.

Obtaining credit and its scoring

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Once it may happen that you can find yourself in an urgent need for a big credit line. However on your way to obtain it you will inevitably meet with some problems. Let's discuss some of them.
Credit score. I guess that you have seen sometimes a three digit number which is called credit score? And they say that the higher the number – the better the creditor's opinion. And if it's lower than some margin – then it's much more difficult. Yes – and it's pure truth of our financial system. There is the so called Federal Trade Commission that issued Fair Credit Reporting Act. Due to this document there are some general rules that determine the way in which all history of your payments and debts is collecting in a special file by authorized credit bureaus. Like Equifax or TransUnion.
So, they collect history. But what is enclosed here that creates scoring? The answer is in the whole complexity of different indexes of data – such as punctuality of past payments or the general length of your credit in time – all these quite objective factors gives you some points.
Thus – even if banks claim that you generally qualify, they can at least overload your credit line with really high interest rate relaying on your weak score (usually less than 600). Anyway by reason of FCR Act you have all the rights to ask any information about your credit history files and requests of third-parties in order to retrieve the knowledge how to react. Remember that it goes within 60 days. Especially it can be useful to understand the reasons of rejection.
The worst thing with your bad credit score is a total absence of this – if you are a recent immigrant or just begin your financial activity. How can you hook your credit?
Ways to get. Yes, there are some common means which you can use:
- Apply for a Secured credit card. It strongly decreases bank risks because you will be able to spend effectively no more than your account sum.
- Try to find a co-signer, somebody who possesses appropriate credit score and agrees to help you build the credit
- Just apply and get for any suitable card service if you are able to find it. There are different credit organizations with numerous individual programs.
Last but not least – keep in mind two things: check the correct filling of your credit report and think twice.

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Cesenatico adriatic coast italy... holiday of wellness and sport

Cesenatico is one of the best-known places on the Riviera not only for its beaches, entertainment places, ancient neighbourhoods, and Harbour, but also, and even more, because it was the home town of cyclist Marco Pantani.

The vast stretches of green land, which open up in front of the eyes of visitors, are perfect to play GOLF, or to attend internationally renowned cycle races, such as the Nove Colli, which takes place precisely in Cesenatico.

Pantani began here on his bike, he was one of the “Nove Colli” protagonist and from here became a big Cyclist famous in all the world.

Cesenatico, in fact, is popular to be not only a seaside town but also a cycling town, there a lot of cycling event during the year: “Ciclo&Vento”, for example is one of the cycling fair in Cesenatico.

A cycling lover can find a lot o f cycling itineraries in Cesenatico inland.

Cesenatico is at the same time an ancient and modern town, with a charming countryside and really impressing art and culture.

One should not miss to see the Valmarecchia (Marecchia river valley) and to stop in one of the villages of the inland, such as Santarcangelo and Sogliano, to discover a very beautiful part of the Adriatic Riviera.

The Flavours of Romagna and the vast array of typical dishes of the Cesenatico and Riviera cuisine are sure to please the most demanding palates.

Choosing a holiday in a town like Cesenatico also means wellness. Its wellness centres, massage and beauty treatments are a real paradise for the body and the mind.

The Hotels in Cesenatico provide a varied and diversified tourist offer for adults and children to spend an unforgettable holiday at the seaside.

So if you like golf and wellness, sea and relax, you have to visit this town full of story.

The case for value stock investing... what if

Wall Street Institutions pay billions of dollars annually to convince the investing public that their Economists, Investment Managers, and Analysts can predict future price movements in specific company shares and trends in the overall Stock Market. Such predictions (often presented as “Wethinkisms” or Model Asset Allocation adjustments) make self-deprecating investors everywhere scurry about transacting with each new revelation. “Thou must heed the oracle of Wall Street”… not to be confused with the one from Omaha, who really does know something about investing. “These guys know this stuff so much better than we do” is the rationale of the fools in the street, and on the hill (sic).

What if it’s true, and these pinstriped super humans can actually predict the future, why do you transact the way you do in response? Why would financial professionals of every shape and size holler “sell” when prices move lower, and vice versa? Would this pitch work at the mall? Of course not. Now lets bring this phenomenon into focus. Hmmm, not one of these Institutional Gurus ever doubts the basic truth that both the Market Indices and individual issue prices will continue to move up and down, forever. So, if we were to slowly construct a diversified portfolio of value stocks (My short definition: profitable, dividend paying, NYSE companies.) as they fall in price, we would be able to take profits during the following upward cycle… also forever. Hmmm.

Let's pretend for a (foolish) moment that broad market movements are somewhat predictable. Regardless of the direction, professional advice will always fuel the perceived operative emotion: greed or fear! Wall Street's retail representatives (stock brokers), and the new, internet expert, self-directors, rarely go against the grain of the consensus opinion…particularly the one projected to them by their immediate superior/spouse. You cannot obtain independent thinking from a Wall Street salesperson; it just doesn't fill up the Beemer. Sorry, but you have to be able to think for yourself to stay in balance while pedaling on the Market Cycle. Here's some global advice that you will not hear on the street of dreams (and don't get all huffy until you understand what to buy or to sell as well as when to do so): Sell into rallies. Buy on bad news. Buy slowly; sell quickly. Always sell too soon. Always buy too soon, incrementally. Always have a plan. A plan without buying guidelines and selling targets is not a plan.

Predicting the performance of individual issues is a totally different ball game that requires an even more powerful crystal ball and a whole array of semi-legal and completely illegal relationships that are mostly self serving and useless to average investors. But, again, let's pretend that a mega million-dollar salary and industry recognition as a superstar creates Master of the Universe quality prediction capabilities…I'm sorry. I just can't even pretend that it’s true! The evidence against it is just too great, and the dangers of relying on analytical opinions too real. No one can predict individual issue price movements legally, consistently, or in a timely manner. Face up to this: the risk of loss is real; it can be minimized but not eliminated.

Investing in individual issues has to be done differently, with rules, guidelines, and judgment. It has to be done unemotionally and rationally, monitored regularly, and analyzed with performance evaluation tools that are portfolio specific and without calendar time restrictions. This is not nearly as difficult as it sounds, and if you are a “shopper” looking for bargains elsewhere in your life, you should have no trouble understanding how it works. Not a rocket scientist? Good, and if you are at all familiar with the retailing business, even better. You don’t need any special education evidentiary acronyms or software programs for stock market success… just common sense and emotion control.

Wall Street sells products, and spins reality in whatever manner they feel will produce the best results for those products. The direction of the market doesn’t matter to them and it wouldn't to you either if you had a properly constructed portfolio. If you learn how to deal unemotionally with Wall Street events, and shun the herd mentality, you will find yourself in the proper cyclical mode much more often: buying at lower prices and, as a result, taking profits instead of losses. Just what if…

Coming next: Developing a Value Stock Watch List and Profit Taking Targets.