Online investing is growing exponentially within the beyond few years. Some sort of share dealer ought to utilize a dealer for you to key in their share purchases.

When your money sits in the bank, you earn some interest, so why not make some extra income on your stocks and gold while they sit in your broker's vault. Dividends aren't the only way to make money on the stocks you hold long-term. "Call options" can give you some extra income on those stocks for the years they are sitting idle in an IRA account (or even in a regular account).

Here's a quick guide to how it works.

Call options are a right to buy a stock at a specific price between now and a future expiration date. If I buy an IBM December 200 call, it means I have the right to buy 100 shares of IBM for $200 per share any time between now and December, regardless of the market price. Even if IBM is at 225 in December, I can buy it for $200. I can also just sell the call for the difference in price between the two, and pocket the profit. However, from a seller's standpoint, I am selling the right to someone else, who may buy my shares for $200 any time between now and December. He pays me a premium, say $500, for this right, when IBM is at $194. I pocket the extra $500 income, and if the shares get pulled away from me at $200 per share, I still have a $600 profit there too. I just made $1100 instead of the $600 I would have made without selling the calls.

Of course, if IBM goes to $220 the next week, I might cry real tears, but there's no reason. Profit is profit, and it's never a bad thing. Never cry over a "could have made" deal, just be happy with the profits you have in hand.

However, if IBM stays in the $185 to $195 range for many months, I continue to earn extra income by selling calls against my shares. When these expire, I can sell more. It's a constant stream of income. Of course, in events such as the financial crash of the second Bush administration, when most stocks fell 40%... you will still see a loss. However, the income from the calls will help take some of the sting out of it. If you own gold bars, the same principle applies, but you'll need a commodities broker to trade these types of calls on gold.

This isn't a quick fix or guarantee against buying bad stocks or investments. If you had Citibank or Lehmen shares in 2008 or 2009, nothing would have saved you. But it does create extra income against the solid stocks you own that are not built like a house of cards. Nothing is guaranteed in the stock market, not even with blue chips, so you need all the extra income you can get.

You can also sell deep in the money calls, when you think the stock may tumble but you don't wish to sell the shares. If CAT is at 115 and you suspect a fall coming, you can sell the 100 (strike price) calls, for about $1600 or more. If it falls to 98, you will keep my stock and get enough money from the call sale to cover most of your losses.

If you want to try it, look on your broker's website for Options quotes, and start shopping for a proper "call" to sell against your shares. I always sell long-term options, and it usually works well for my account.

More from this contributor (see also) :

How I Pick Winning Stocks Year after Year

5 Types of Companies You Should Never Invest In

How to Better Diversify Your Investments

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Xbox Live Adds NBC <b>News</b>, Bringing Rachel Maddow, Hardball <b>...</b>

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How to make your own home Wheelchair available. Nicely the vital thing to view is the elevation that you will have got.

Late Night Cabs to DUMBO to Get Even More Difficult with Additional Ramp ClosingsNeighborhood: DUMBO
Brooklyn, NY 11201
United States of AmericaLate night cab rides from Lower Manhattan to DUMBO and Prospect Heights are about to become even more difficult. Yellow cabs are already wary of Brooklyn trips due to the construction on the Brooklyn Bridge. However, starting November 1st from 1AM to 6AM the Brooklyn-bound on-ramps at Centre Street and Park Row near City Hall in Manhattan will be closed.

All traffic trying to cross the bridge will be detoured to the Pearl Street on-ramp according to the Department of Transportation Notice sent to Community Board 2.

It's best just to use the Manhattan Bridge for now when returning late at night. The Brooklyn-bound on-ramps will be closed for most of the month of November-Mondays through Saturdays.

Sources:

http://www.nyc.gov/html/dot/downloads/pdf/20101022_notice_brooklyn-bridge_ramp_closures.pdf

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OKCPS Reviews Dress Code After Student Asked To Change T <b>...</b>

Last week, the principal at Wilson Elementary asked 5-year-old Cooper Barton to turn his University of Michigan t-shirt inside-out.

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GOP convention session to be themed &quot;We Built This!&quot; - Fox <b>News</b>

The GOP is turning what some see as a presidential slight aimed at business owners and entrepreneurs into a theme for a night of the Republican National Convention next week, titling Tuesday night&#39;s session “We Built This!

GOP convention session to be themed &quot;We Built This!&quot; - Fox <b>News</b>

NBC <b>News</b> app for Xbox 360 brings streaming show clips to the <b>...</b>

While NBC News is no longer rocking the MS tag on its name, it's still tight with the Redmond crew and just launched a new app on the Xbox 360. Its well.

NBC <b>News</b> app for Xbox 360 brings streaming show clips to the <b>...</b>

Stocks using lower price/book rates or perhaps price/earnings rates. In times past, worth shares have loved larger typical profits in comparison with development stocks and shares (stocks and shares with large price/book or maybe P/E ratios) in a variety of international locations

With the all Federal Reserve interest rate cuts lately -- and with another expected at the end of April -- it is no surprise that many people are wondering what interest rates have to do with things that affect their lives. One of these things is the stock market.

Interest rates and the stock market

It is true that interest rates do not have a direct effect on the stock market. Instead, they have an influence on the stock market. Interest rates influence the stock market in two main ways: through companies and through economic perception. The Federal Reserve sets interest rate policy regarding the rate at which banks lend money to each other. This is an important point to be made. When an interest rate cut is made, it has certain effects on the psyche of those involved.

Interest rates and their effects on companies. This is one of the ways interest rates affect the stock market. Companies can get loans at lower interest rates when a cut is made. When interest rates go up, it costs more to borrow money. This affects overhead costs. And it means that companies' profits are affected. So if interest rates go down, the thought is that companies will spend less money and therefore have higher profits. This invites investors to put their money in the stock market, and it raises the market values. Interest rate hikes, on the other hand, can have an opposite effect in some cases.

Interest rates and economic perception. Investors can get an idea of where the economy is headed due to interest rates. The perception is that when rates are cut, the economy is being stimulated and is likely to expand. In the case of the recent interest rate cuts, many perceived that the Fed was willing to do anything to help the stock market, and this meant that there were jumps in stock values directly following the rate cuts. On the other hand, interest rate hikes put a cap on economic expansion. They can also indicate inflation fears, and this can influence the stock market.

Obviously, though, interest rates are just one factor to consider in stock investing. Your decisions should not be based solely on interest rate cuts or hikes. There are many influences on the stock market, and sometimes perception can make the market behave in ways that are contrary to conventional knowledge. The stock market is unpredictable. But it is still possible to discern general trends.

Disclaimer: I am not an investment professional. This should not be construed as investment advice. All investment carries the risk of loss. Before investing, do your own research and/or consult with an investment professional.

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NBC <b>News</b>, Telemundo Reveal DNC, RNC Coverage Plans <b>...</b>

NBC News and Telemundo have announced their coverage plans for the 2012 Democratic and Republican national conventions. As expected, NBC will not have coverage on the Wednesday of the DNC, due to the NFL ...

NBC <b>News</b>, Telemundo Reveal DNC, RNC Coverage Plans <b>...</b>

The Sun says: Kennel killjoys | The Sun |<b>News</b>|Sun Says

The Work and Pensions Secretary is furious that the Labour-loving corporation presented the good news as bad, and made scant mention of how his tough love assault on the workshy is succeeding. What do you expect from ...

The Sun says: Kennel killjoys | The Sun |<b>News</b>|Sun Says

<b>News</b> Corp. PR Veteran Jack Horner Jumps to Warner Bros <b>...</b>

Horner will take a senior publicity role at the film studio.

<b>News</b> Corp. PR Veteran Jack Horner Jumps to Warner Bros <b>...</b>

What is the actual Currency markets? It truly is a organized system where by any individual and all people can certainly either invest in or perhaps offer their futures or even shares

With the all Federal Reserve interest rate cuts lately -- and with another expected at the end of April -- it is no surprise that many people are wondering what interest rates have to do with things that affect their lives. One of these things is the stock market.

Interest rates and the stock market

It is true that interest rates do not have a direct effect on the stock market. Instead, they have an influence on the stock market. Interest rates influence the stock market in two main ways: through companies and through economic perception. The Federal Reserve sets interest rate policy regarding the rate at which banks lend money to each other. This is an important point to be made. When an interest rate cut is made, it has certain effects on the psyche of those involved.

Interest rates and their effects on companies. This is one of the ways interest rates affect the stock market. Companies can get loans at lower interest rates when a cut is made. When interest rates go up, it costs more to borrow money. This affects overhead costs. And it means that companies' profits are affected. So if interest rates go down, the thought is that companies will spend less money and therefore have higher profits. This invites investors to put their money in the stock market, and it raises the market values. Interest rate hikes, on the other hand, can have an opposite effect in some cases.

Interest rates and economic perception. Investors can get an idea of where the economy is headed due to interest rates. The perception is that when rates are cut, the economy is being stimulated and is likely to expand. In the case of the recent interest rate cuts, many perceived that the Fed was willing to do anything to help the stock market, and this meant that there were jumps in stock values directly following the rate cuts. On the other hand, interest rate hikes put a cap on economic expansion. They can also indicate inflation fears, and this can influence the stock market.

Obviously, though, interest rates are just one factor to consider in stock investing. Your decisions should not be based solely on interest rate cuts or hikes. There are many influences on the stock market, and sometimes perception can make the market behave in ways that are contrary to conventional knowledge. The stock market is unpredictable. But it is still possible to discern general trends.

Disclaimer: I am not an investment professional. This should not be construed as investment advice. All investment carries the risk of loss. Before investing, do your own research and/or consult with an investment professional.

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Guns N&#39; Roses to Take Over Las Vegas With &#39;Appetite for <b>...</b>

Guns N&#39; Roses have announced their impending takeover of the Joint at Las Vegas&#39; Hard Rock Hotel and Casino in October for a 12-date Appetite for Demo.

Guns N&#39; Roses to Take Over Las Vegas With &#39;Appetite for <b>...</b>

Robot worm laughs off your attempts to squash it dead <b>...</b> - CNET <b>News</b>

It wriggles, it writhes, it explores your insides! The hardy Meshworm crawls like the real thing and could take on military tasks. Read this blog post by Tim Hornyak on Crave.

Robot worm laughs off your attempts to squash it dead <b>...</b> - CNET <b>News</b>

Book <b>News</b>: David Rakoff Dancing, Doodling on Writers : The New <b>...</b>

The Guardian's list of the U.K.'s hundred best-selling books of all time. “Every generation rewrites the book's epitaph; all that changes is the whodunit.” In the Times Book Review, Leah Price traces the death of the book ...

Book <b>News</b>: David Rakoff Dancing, Doodling on Writers : The New <b>...</b>

Have People Ever Considered Trying Your own Hand On Exchanging Options

Many of the tools stock trading investors use are varied. The one thing that everyone who trades stocks online uses is stock trading software. However, so many different kinds are on the market today that one does not know which one to choose. If a person does a quick internet search, then several different kinds will appear. But, some of the best ones on the net include Wizetrade, Oz scanner, and the software that professional trading brokerages use.

Wizetrade offers wonderful tools stock trading gurus can use. Their stock trading software conducts real time stock trend analysis for the investor. They also offer easy to follow lights that help perform decision analysis to help identify potential problems. Should a novice get completely confused, then the tools stock trading Wizetrade offers a person can have direct access with an integrated broker. The website is very easy to navigate, and Wizetrade is one stock trading software that is recognized by even the most successful investors. The only drawback to this program is the cost. At a whopping $5,000, a novice beginner will think twice before investing with Wizetrade. This one of the tools stock trading gurus only need to purchase.

Another type of stock trading software that offers tools stock trading individuals can use is the Oz Scanner. According to their website, "The Oz Scanner stock trading software applies technical screening formulas to a large population of stocks. It then returns a list of stocks that meet a pre-determined filter criteria associated with those formulas throughout the trading day". They also offer alerts that can be a great stock trading strategy to even the beginner investor. If purchased, they also offer a free stock trading newsletter. The best thing about the Oz Scanner is that it only has a low monthly fee of twenty dollars which most people can afford to splurge on.

If these two types of stock trading software do not tickle an investor's fancy, then perhaps they should contact a professional brokerage house such as E*TRADE, Fidelity, or Scottrade. Any of these brokers can offer solid advice with a guarantee. And the best part is that they do not charge a huge amount of money to trade options. They even offer the investor educational tools to help enrich a person's tools stock trading investors use.

Many tools stock trading individuals can use are just a click away. Of course, everything depends on how much money a person is willing to invest. If someone is willing to splurge and spend a good amount of money, then software like Wizetrade is best for them. Otherwise, the Oz Scanner or places such as E*TRADE will suit most people's needs.

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Appliance Repair For Each And Every Room In The House Appliance Repair Solutions For Your Each and every Appliances

I did ok with the networking problem my house threw at me last week, so guess what? This week, another breakdown occurred, this time a large appliance I haven't got a clue how to fix. My 16-year-old Sears Kenmore dryer suddenly would not work. The internal light came on when I opened the door, but when I pressed the Start button, there was complete silence.

To me, a sudden failure to power on means one of two things - 1. a fuse is blown or 2. something literally burned out. There was no burning smell, so I chose option 1. Sometimes fuses are easy to find, like under a real obvious panel in the passenger seat area of my Saturn Vue, but since the dryer looks like a big white box, I knew this would entail a lot of labor. I would have to take the back off. I groaned and gathered my tools and my courage.

The back itself wasn't hard to remove, but it did require some adherence to steps: first I had to remove the hose (which was also filled with lint), then screw off the back panel and the separate top panel that covers the ground wire and allows the huge, thick power cord to exit the back in a graceful and well-constrained manner.

Little did I realize how much lint and nastiness had worked its way into the internal areas of the dryer. I vacuumed up about a pound of lint, picked up at least two full pistol chambers worth of spent .22 casings, 6-7 long-missing buttons, and I even managed to gather $5.77 in change!

When I looked into the back, I saw four possibles for failure testing. I'll tell you right now: I didn't know the names of any of them, but thanks to an appliance repair how-to video I found, I was able to test the resistance across each piece to see which one of them was my culprit.

To complicate matters, when the dryer was installed by my father-in-law about 11 years ago, he found that the dryer plug and the house plug didn't quite fit with each other, so he must have cursed loudly and hammered the plug into the socket by brute force, because it would not come out no matter what I did. I gave up on that angle and decided to cut it off at the source: I simply threw the breaker. The visual reminder of the plug firmly attached to its huge, high-voltage socket reminded me as I worked that this was a dangerous job, but I had some faith that a thrown breaker would keep me safe. (I reinforced my faith with nitrile gloves and rubber-soled shoes, just in case).

Once girded against the threat of electrocution, I pulled the wire connectors off of each piece to be tested, and used my handy-dandy, low-end analog ohmmeter (a voltmeter set to read resistance in ohms) with two leads and measured how much resistance I got across the devices. 3 out of 4 devices showed nonzero resistance, but one, the long, white-jacketed plug that looks a lot like a fuse, showed zero. I thought back to my college physics classes and reasoned that no resistance=open circuit. Whatever current flowed through the dryer met no resistance when it flowed through the device.

So, I did what any careful non-technician would do: I called the expert: an appliance repair shop I knew in Fayetteville, Tennessee, about 20 miles away from my very rural abode. He told me that the one piece that measured zero ohms of resistance was the bad part. This part roughly corresponded to the thermal fuse mentioned in the previously linked video, BUT a word of caution. The video tells us that "if the meter does not show approximately zero ohms of resistance, you will need to replace it." So, with these two contradictory pieces of information in my head, I tended to believe the tech I talked to on the phone, especially since the other three parts I tested all showed resistance. It is easier to believe that there is one bad part and three good ones over one good one and three bad ones. It could also be my innate laziness speaking here.

So I pulled the part and took it to his shop. For $3.10, I got an identical replacement that he tested right in front of me with his more elaborate ohmmeter. With a hopeful heart, I returned home and replaced the part, which was super-easy. One screw and two attached wires later, the new part was in, and I could turn the breaker on and test it. To my delight, it worked perfectly, except, of course, the unique dusty machine smell of the as-yet still unconnected exhaust. I patted myself on the back (yeah, I do yoga just so I can be flexible enough to do this). Then I set to re-assembling this behemoth.

Re-assembly turned out to be the most grueling and difficult part of the whole operation. The hose didn't want to re-attach; the panel didn't want to sit with the screwholes aligned, and after about 45 minutes of struggle and bizarre contortions even a regular yoga practice hadn't prepared me for, I managed to get the back panel and exhaust hose re-seated. I had one leftover screw, but I wasn't about to cry over that.

Sadie's list of tools and skills:

1. flathead screwdriver for all those screws on the back panel and the metal O-ring attaching the hose to the exhaust vent
2. multi-grip tool pliers to remove the one screw holding the fuse in its socket
3. voltmeter (analog or digital) that reads resistance (ohms) and two leads
4. nitrile or equivalent gloves and rubber-soled shoes for extra safety
5. a good vacuum cleaner to suck up all the lint and junk that somehow made it inside the dryer body and got stuck in the exhaust hose.
6. patience, perseverance and ability to squeeze into tight places

Total time for operation (not counting the days I let it sit because I was afraid to work on it): about 2-1/2 hours. This counts work on the unit, vacuuming out all the junk and re-assembling it.

Total cost: $3.10 for one bad part (which may have been the thermal fuse). All together I came out pretty well. With the $5.77 I found under the dryer, I came out $2.67 in the black! I guess that goes toward labor costs, but at least I'm paying myself and not a high-priced appliance repairman!

loriannsachs456@gmail.com

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Tell President Obama: for real job growth, stop spending and cut the debt.

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Daily <b>News</b> front page splash &#39;flat wrong,&#39; says NBC : CJR

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