Digital Photography Tips To Take Better Digital Photos

Digital photography is a great hobby to get involved with. It can be a lot of fun and it allows you to unleash your creativity. One of the benefits of using a digital camera is the ability to shoot as many pictures as you want and delete those that you are not satisfied with. In order to improve your picture taking, learn to take better digital photos by understanding what makes a really decent photograph beginning with the basics of photography. By following these digital photography tips to take better digital photos, you will be able to create and capture exciting and beautiful scenes and portraits like a skilled photographer.Identify your subjectLooking through your camera’s viewing window, do you know what you’re shooting at? What do you want to take a picture of? What is it that captivates your interest? Identify the beauty and the excitement that you see, and get a sense of the essence of your subject. Is it awe inspiring, peaceful and serene, or bursting with action and life? Identify your subject and capture its essence.FocusYour digital camera’s auto focus is sufficient for most picture taking conditions, but digital cameras have a slower reaction time to get in focus. To compensate for this, you should press down on the shutter button only half way until you here a beep and do not release the button yet. Your camera will set the shutter speed and aperture and your subject is in focus. Now you are ready to press the shutter button all the way down.Rule of thirdsWhen composing or lining up your shot, you may find that using your camera’s framing guideline makes things a little easier. A framing guideline looks like a tic tac toe board. Two vertical lines and two horizontal lines divide the viewing frame into equal parts. Putting an object or line in the exact center should be avoided. Try putting those objects on the intersections of the lines of your framing guide. This allows the viewer’s eyes to travel towards the subject or the highlight part of the photo that you want to emphasize.FramingTake advantage of using natural formations that can frame your subject. Just like those postcards or calendar pictures of tropical beaches and coastlines that make use of palm trees with overhanging branches that create a natural frame around the main subject. Wedding photographers make use of arches and doorways to naturally frame the wedding couple. Framing can serve two purposes; it draws the viewer’s eyes to the main part of the photo, and it provides a sense of distance as in landscape photos.Lines and shapesHorizontal lines in a photo create a calming effect, vertical lines create a sense of strength, diagonal lines create movement, and S-shaped lines like a winding road, can create a dynamic effect that leads the eyes into and through the photo. Using lines and shapes with the rule of thirds can really create a well balanced and composed photo.These are just a few of the digital photography tips that you can use to take better digital photos. Choose your subject, line up and focus your shot, remember the rule of thirds, and try framing your subject. You will notice that you are improving and taking better pictures the more you learn what makes a great photo.

Stock Quotes – Things to Know

Stock quotes are the information about the price of stock at a particular time. They are displayed either as fractions or decimals. Stock quotes provide most valuable information about stock and stock market changes. They are also the primary tool for traders to execute trade. Quotes are also available for other derivatives like futures, options, forex currencies etc.Stock quotes can be grouped into various types as historical stock quotes, delayed stock quotes and real-time stock quotes. Historical stock quotes are stock prices and change patterns before certain period of time – useful to understand and determine periodical stock trends. Delayed stock quotes are usually free stock quotes provided by various institutions, journals, portals, etc. which have 15 or 20 minutes delay. They are useful for most stock market investors and small scale traders. Real-time stock quotes, also known as live stock quotes or streaming stock quotes, are provided by specialized quote sites and through stock market trading systems with less than a minute delay. Live streaming stock quotes are vital for online day traders trading according to very small changes in stock prices.The presentation of stock quotes can vary greatly, they may be graphs with values, simple line of phrase with alphabets and decimals, or tables showing values. Similarly stock quote presentation of different sources may also vary from single ‘last price’ value to full details including the price change of the day, the trading range of the day, 52 week (one year) range, the volume traded, the average volume of trade, market capitalization, earnings per share (EPS), dividend yield, P/E ratio, closing price, highest price of the day, and lowest price of the day.By theory, a stock has a set of stock quotes as bid price and ask price. The bid price is the price which market makers or specialists are ready to pay for the stock and ask price is the price at which the market maker is ready to sell the stock. The difference between the ask and the bid price is the spread, which is mainly responsible for liquidity in low priced stocks. The need of ask and bid prices in a stock quote is purely because the market need a market maker to buy the stock whenever one trader sells it and to sell the stock whenever on want to buy it.A stock trader can find stock quotes from a variety of resources. Free delayed stock quotes are available from newspapers, journals, company websites, stock market, market maker and stock broker websites, popular search engines and portals like Yahoo! Finance and MSN Money, and various financial websites. As told earlier real-time stock quotes are paid services. These services also provide timely alerts and triggers to automate and better execute traders, and are integrated with powerful mathematical and visual tools to formulate right trading strategies. Recently Google and CNBC have presented their readiness to provide free real-time stock quotes of NYSE stocks to SEC, which if come true will be an added benefit to all type of traders.

Information on Stock Quotes

As every wise investor knows, getting the right information regarding stocks, gives one the knowledge necessary to make sensible investment decisions. Unlike earlier times when investors had to rely on limited stock quotes published in the daily newspapers or broadcast over radio or television, the internet is today full of real-time information on stocks. In some cases, quotes are delayed for a period not exceeding 30 minutes, during which analysts summarize and publish accurate information about the stock. In different sites, one can easily find out what the mutual funds, bonds, indexes, stocks, and Exchange Traded Funds (ETFs) are trading for. In addition to stock quotes, one can access earning reports, financial reports, short interest reports, analyst coverage, and SEC filing on and about specific companies from the web. Knowing the history of the company helps the investor decide whether the stock is solid enough to warrant his or her investment.Most stock quotes are freely accessible, and all one has to do is identify the most informative site for use. To make the user experience even more rewarding, some of the sites that quote trade prices on specific stocks allow the user to download the information into computer applications like OpenOffice and Microsoft excel among others. Should one chose a site like Yahoo! Finance or MSN Money, he or she would be able to examine price quotes on a specific company by typing the company’s name into a provided text box. In cases where an investor wants to compare stock prices for different companies, he or she can type the names (or acronyms) of the companies, he or she is interested in, and click on the search icon.For investors who are curious about where websites like Yahoo! Finance, MSN money or DailyFinance.com get their information from, it is worth noting that the websites rely on more than 3,000 information sources. Some of the sources stream similar information into the websites, and it is hence the website administrator’s job to compare the information and verify that only the most accurate is published on the website. Investors’ evaluation of stock quotes is further boosted by the interactive charts published on different financial websites across the internet. Company events such as financial earnings and dividends given to the shareholders can also be used as a viable indicator regarding the company’s financial performances and hence the level of risk attached to its stock.Across different financial websites, real-time stock quotes are available from stock exchanges such as the New York Stock Exchange (NYSE), American Stock Exchange (AMEX), and NASDAQ. To access quotes from other countries, one may need to search the specific stock exchanges where the stock is listed. With the internet making the world a global village, investors interested in oversee stocks can access quotes on stocks in a similar way that they access quotes on domestic companies. This has made business for the oversee investor not only fast, but also effective.

How to Read a Stock Quote

Frustrated by all the symbols in a stock quote? Here’s a basic overview to reading a stock quote on Yahoo Finance.If you’re like many new stock market investors you are learning all sorts of new things, one of the many things you need to know is how to read a stock quote.Yahoo Finance has a nice stock quote page, please follow along and go to this web page http://finance.yahoo.com/q?s=msft and find out what everything means.Near the top of the page it will tell you that you are looking up Microsoft Corp. (MSFT) this tells us what company we are looking at. You will then see the last price (which is delayed 20 minutes) and you will see how much the stock has gone up or down for the day.If you scroll down the page you will find a table with a bunch of data.Last Trade: This is the last trade that happened on this stock (delayed 20 minutes)Trade Time: This is the date or the time of the tradeChange: Amount the stock traded up or down in dollars and percentagePrev. Close: The amount the stock closed at the last day it traded. Generally the day before, unless holiday or weekendOpen: Price the stock opened at today or if weekend or holiday last day it tradedBid: What various investors are looking to buy the stock for at the current momentAsk: What various investors are willing to sell the stock for at the current moment1 yr Est: Estimate for the stock’s price in one year’s timeDay’s Range: The range in price the stock has traded that day52wk Range: Stock price from low to high over the past year of tradingVolume: Number of shares of stock traded so far todayAvg. Vol (3m): Average number of shares traded each day for the past 3 monthsMarket Cap: This is the market price for the company take the number of shares outstanding and multiple by the price of the stockP/E: Price to earnings ratioEPS: Earnings per shareDiv & Yield: The dividend (if any) that you could receive from the company for owning stockThose are the basic items on that Yahoo finance page; you can also find charts, headlines and some more background information on the company.

Why Do Residential Block Freeholders Need A Managing Agent?

Residential property management for blocks of flats is a largely hands on and time consuming process. In addition to specialist knowledge of the extensive legislation and regulation, it demands significant effort, time, organisational skills and care. The block management agent’s property services are understandably increasingly in demand, assisting freeholders, landlords and property management companies in carrying out their duties in looking after and protecting their freeholds and associated interests.The professional block management agent should arrange for the building fabric to be regularly inspected, maintained and redecorated to the required standards as set out in the lease. Cyclical maintenance must be implemented at the required times to meet current regulations requiring specialist property management input. Assessment of any necessary work or repairs may require inspection and professional expertise. Monitoring and approving the finished job may however demand a qualified surveyor in certain circumstances.Work will not always be properly executed and some members or lessees may well refuse to meet the costs at the expense of the property management company service charge account. Understandably such payment problems and disputes over finances can cause friction amongst freeholders and leaseholders as well as placing pressure on available reserves and cash flow.Robust systems must be put into place by the block management agent to deal with the process and to plan and smooth the way forward. These management company procedures are essential to successful block management and should include all matters including estimating and collecting monies required for works and services.The freehold block manager will need a full understanding of how the property lease permits the maintenance charges to be raised, whether in advance or arrears. Payment, leaseholder notices and consultation arrangements must also satisfy current property services legislation covering lease management and service charges. It is a requirement that there must be sufficient and appropriate accounting procedures in place to provide final accounts along with the annual statutory summaries to the leaseholders. It is important to note that there is a need to distinguish between the financial affairs of the service charge account and that of the freehold property management company or landlord.The block managing agent is responsible for ensuring that accounts are clearly defined, protecting leaseholder funds in a suitable client account for the sole purpose of maintenance and management of the freehold property in accordance with the lease and statute.Other block management duties which may be required cover lease management and compliance issues. Restrictions and obligations must be enforced where a resident is in default of his or her lease. This could be anything from non-payment or arrears of rent or service charges or breach of a clause of the lease for noise disturbance or nuisance. Management Agents can provide important advice in resolving such matters. After all, it can be difficult to challenge neighbours effectively if residents opt for self management arrangements. It is only to be expected that freehold residential management companies may well feel uncomfortable taking legal action against a fellow leaseholder. Indeed many consider that such actions would be better carried out by an independent block management professional.It is important to note that property law and associated legislation is currently undergoing quite radical change. These changes are affecting lease management, accounting, tenants rights, service charges, ground rent collection and health and safety procedures to name but a few. Frankly can be difficult for leaseholders and residents to try to keep up with this and better communications from government and regulatory bodies would be a useful improvement.So in view of the above, if you still consider that you can effectively manage your block of flats without a specialist block management agent then it is clear that commitment will be key. Many freehold management companies of course take the easier option and choose to employ professional help.When it comes to maintaining and ensuring the smooth running of freeholds for blocks of flats or apartments, few things would appear more essential than securing the services of professionally qualified and regulated block management agents.

What’s Up With This Hype About Network Marketing Anyway!?

MLM, Split Second Marketing, Affiliate Marketing, Online Marketing, it’s all the same – just Network Marketing. More and more people are becoming interested in Multilevel Marketing “Make Life Meaningful”, MLM in short. Even though Network Marketing has existed since the beginning of time, most people are still unsure of what it actually is and how it works. There have also been many rotten apples that have tainted MLM’s existence with negative outlook and gave Network Marketing a bad name. As people tend to remember negative experiences rather than positive. You may have gone to the same restaurant 100 times, but if the food or service was awful once… what did you do? Probably remembered ‘that’ particular instance over the hundred great times that you’ve been there. With schools all over the world from Harvard to Oxford teaching Multilevel Marketing/Network Marketing; it’s a no brainer that MLM is one of the best ways to build residual income.Studies by the Direct Selling Association (DSA) indicate that:

Direct selling accounts for annual sales of more than $190 billion world-wide.

The US contributes nearly $53 billion.

19 million Americans derive independent contractor income from direct selling.

One in every 10 households has someone involved in network marketing or direct sales.
What is Multilevel Marketing and how does it work? MLM works because people prefer to use products listed by a friend or an acquaintance. It works because the products offered are good and cost fair value. It works because people feel satisfied with the product and indicate to acquaintances who are satisfied with the product and so forth on a scale of exponential growth.Anyone can be a network marketer, but usually dedicated individuals and entrepreneurs that know they can make money with alternative income, also known as residual income tend to be involved in MLM. We normally sign up for an MLM company that consists of working to promote the products and the opportunity offered. With the main advantage of being able to start without initial investment that a normal business would accommodate. Taking into an account of high cost needed to start any company.”If I lost everything and had to start again, I would find myself a great network marketing company and get to work!” – Donald TrumpWho should avoid MLM?Disbelievers in MLM. Anyone thinking about earning money easily without having to work.What are advantages of MLM?Possibility of unlimited gains. Without an expensive initial investment. Ability to work on your own time.What are the disadvantages of MLM?Moderate level of rejection by those who do not know. Not only by them, but mainly by those who “think they know.” This rejection is created by millions of people who promise unlimited earnings without any work. People who use MLM companies with particular forms of pyramids just to get more people registered without worrying about the quality of products or showing guidance when sponsoring. All this nonsense turns people off from serious chances of success.Network MarketingThe Evolution of Network Marketing… Marketing in general context, is the junction of Relationship Marketing. It focuses on the quality of customer relations and direct marketing, which happens to be the direct relationship between vendor and customer. Therefore, Network Marketing allows the direct relationship of the distributor (seller) with the client to maintain a quality of relationship between them, since this system only devotes itself to the permanence of a direct relationship in the long run. Network Marketing is a distribution system or a form of marketing that’s moving legitimate goods and services with high market value, from the manufacturer to the consumer through a network of independent contractors. It’s a way to organize and pay for resellers involved in direct sales. It has a compensation plan for direct sales in which resellers can receive earnings with the following common two ways. First, marketers may receive compensation for their personal resale of products and services to consumers. Second, marketers may be paid for their purchases or resales of people recruited and sponsored. Individuals may also be paid from the resale of the group or network that recruited and sponsored them previously. At the end, it is an opportunity for marketers to set up their own business by reselling goods and services and developing and training an organization or a network of resellers they sponsor to do the same. A multilevel distribution company means any person, firm, corporation, or other business entity that sells or distributes goods or services through independent marketers, reps, agents, contractors, distributors, and varied participants may recruit other participants. Commissions, bonuses, refunds, discounts, dividends, and other considerations of the program are or should be paid as a result of the sale of a service, product, recruitment, performance shares, or additional participants.”I would rather earn 1% of 100 people’s efforts than 100% of my own efforts” – John Paul Getty (American Billionaire)How can you succeed?Short answer:Work diligently, work consistently, and don’t give up.Long answer:All companies are different, and what works in one company might not work in another. You should learn from your upline – ask them what works and what you should do to succeed. Draw on them for help. They’ve found out from experience what works and what doesn’t and they’re interested in your success. The fundamental ideas, though, are the same in any company. Do what a distributor/associate/whatever is supposed to do in your company – retail products, sell services, consume products, whatever… and find others to do the same. Teach them to do what you do. *Duplication* is the key to success. Wherever there is a McDonalds – there is a Burger King. You’re not supposed to go out and enroll the world, or sell something to everybody on the planet. You’re supposed to find a few people who want to build a business, and help them do it. More importantly, teach them to do what a distributor does and go out and find a few people to work with and teach those new people. Until you have “taught your people to teach their people to teach,” you have not really duplicated yourself. Keep plugging away. Unless you’re incredibly good at this, it will take time to build a group. It takes time to find good people and teach them what they need to know. Sometimes your best people will give up and drop out. Sometimes it can be very discouraging. Sometimes you may be tempted to give up. If your company isn’t working very well, maybe you should. But if the company’s working well, and others are succeeding, you need to take a look at what you’re doing that isn’t working. It may be that you wouldn’t do any better in another company, even if the grass looks greener, because you’re doing the wrong things.It is a sad fact that a very small percentage of people who enroll in any particular MLM will succeed big. This is not, however, a fatal flaw of MLM; it’s a reflection of real life. 90%+ of small businesses fail within 1-5 years… and the owners lose a whole lot more than the few hundred dollars an MLM person typically invests. 98%+ of corporate employees will never achieve executive levels. 95% of 65-year-old retirees in the US (according to Insurance & Social Security statistics) are dead or broke.The sad fact is, very few people succeed big in any endeavor. Most people simply will not do what it takes to succeed. MLM is no different in this regard. However, many people get into an MLM with the idea that it’s some kind of “easy road to riches”. It’s not. It takes work. It takes time and dedication. But most people don’t see that, either because their sponsor misled them with rosy predictions of instant wealth, or because they chose to hear the easy story. People like this enroll and don’t do anything, or give it a try but give up after a few months. This is where the vast majority of “MLM failures” comes from.The biggest problem with MLM is that it’s “too easy” to get into (usually no more than a few hundred dollars), so it’s “too easy” to get out. With only a few hundred bucks committed, it’s easy for someone to say “Ah, heck, I talked to 5 people and none of them were interested. This doesn’t work! Guess I wasted $200.” You should approach your business as if it was a “real” business, one that you had invested your life savings into. If you had sunk $200,000 into your MLM business, would you let 5 “no”s stop you? Hell no!! You’d get back out there and keep working until you made it work, because you had too damn much money in it to give up! Well, guess what? That’s what makes MLM work too – that dedication to keep working until you make it work. If you work consistently, and effectively and build your group faster than the faint-hearted people drop out, your group will slowly but steadily build. And if you’ve taught your people the correct ideas of “work consistently, work effectively, and teach your people how to duplicate your efforts”, you should see a consistent rate of growth. It will probably take longer than you’d like (hey, that’s the way life works), but as long as you keep working at it, your income will eventually build to the level you want.The problem is, most people don’t do this. Most people who get into MLM give it a half-hearted try, then give up the first time they get a “no” and complain that “It doesn’t work.” Only the people who determine to put in the effort, and actually DO what it takes to succeed, will stick it out and end up on top.Some questions to ask yourself before entering MLM/Network Marketing OpportunityIs there a legitimate product involved?What do you get in return for your start up investment, other than the potential to earn good money? If you’re not getting a product or service or if the training tools appear to be overpriced you could have discovered a scam.Do you get commissions based on product distribution or on recruitment? If they are paying commissions based purely on recruitment, walk away now.Consider the following factors that might influence long term success. Does the company have a proven track record?If the company has been around for a few years then there is a fair chance that governing bodies that police pyramid schemes have already pulled the business model apart and given them the OK.Is this a get rich quick scheme?Although there is a lot of potential to earn very good money in network marketing very few have made it quick, most make their millions through consistent effort.Shop aroundIf you are looking into the industry for the first time don’t be scared to look at other business models and products, particularly if you don’t know which company to join.What training do they provide?A good company has a solid training system.Say hello to MLM and Network Marketing Thoughts become things. With self development, business, and entrepreneurial mindset and dedication we must teach people to do their due diligence while progressively enhancing their outlook on Multilevel Marketing and Network Marketing because it is a proven system that has created wealth around the world for people like you and me. Anyone can be a network marketer, but usually committed people that know they can make money with alternative income, also known as residual income tend to be involved in MLM.

The Coast Is Not Clear – Signs of an Impending Major Stock Market Crash

Despite the recent correction, and regardless which popular metric you use; PE, Shiller’s CAPE Ratio, or Buffett’s Market to GDP comparison; this is one of the most expensive markets since 1923. The other two were the 1929 and 2000 markets and we know how those turned out. Incidentally, 1923 was the year the “Composite Index” was introduced, the S&P 500′s precursor.The record shows that, while stock prices can continue at elevated levels for a long time, they eventually reverse to the mean. That can happen in one of two ways. Either the market goes sideways for a long time until earnings catch up, or there is a sharp drop to bring prices in line with historical PE ratios – a reversal to the mean. History has shown that investors are not a patient bunch. They will put up with a sideways market for a while, but eventually they will tire of meager returns and put their money to work where they believe will yield greater gain potential. Once that ball gets rolling, the market exits en masse and a severe bear market takes hold. The upshot: there is a big market drop in store.The question is when and was this past correction a hic-up or a prelude to the big plunge. A study of major bear markets indicates the latter is more likely. Indeed, a review of 28-plus -percent market drops since 1923 reveals there is always a preamble to every major bear market. Some folks are under the mistaken impression that stock market crashes occur at market tops. That is far from the truth.The stock market may well be fickle, but providence is kind. It always gives us advance notice of a coming crash, grabbing our attention amidst our complacency with a surprise drop and providing an opportunity to get out before it crashes in earnest. This is shown in the analysis below for each of the following major bear markets (28% decline or more): 2007, 2000, 1987, 1973, 1968, 1962, 1946, 1937, and 1929. Intraday prices and daily closes are only available for the S&P 500 from 1950 on. Therefore, Dow Jones Industrial Average closes were used for the markets before that.2007
The initial top for the 2007 market came July 17 when the S&P 500 had an intraday high of 1555.90. The index would drop the next week and eventually settle to an intraday low of 1370.60 a month later on August 16 – a drop of 11.9%. Henceforth, all highs and lows are intraday unless otherwise stated. The market would climb for seven weeks to reach a market top for the index of 1576,09 October 11, 2007 – 1.3% higher than its previous high. An initial 5.5% dip was followed by a quick recovery to 1552.76 October 31, before succumbing and dropping 10.8% to a low of 1406.10 November 26, 2007. The index would recover to a high of 1523.57 and continue on a series of lower lows and highs until its nadir of 666.79 March 9, 2009 for a 57.7% decline.2000
The 2000 market gave plenty of warning before the Dot.com plunge. The market faltered right after opening the New Year January 3rd. After reaching a high of 1478, the S&P 500 dropped to 1455.22 at the close. It dropped below 1400 the next three days and recovered to 1465.71 – the high January 20, 2000. From there it did a roller coaster ride down to the 1329.15 low of February 25 – a 10.1% drop from its high thus far. The market finally climaxed at 1552.87 March 24, 2000. It would drop precipitously April 14 to a low of 1339.40 – a 13.7% drop – but then slowly recovered to 1530.09 by September 1, 2000, only 1.5% below its all-time high. Thereafter it steadily went down with some sharp drops followed by rallies but only to the downtrend line. The market bottomed at 775.80 October 9, 2002 for a 50.1% decline.1987
The 1987 bear market was a swift one. After vacillating to a high of 337.89 August 25, 1987, the S&P 500 dropped to 308.58 by September 8 – an 8.7% hit. It quickly recovered to 328.94 by October 2, only 2.6% down from its high. It wobbled to a close below 300 October 15 before crashing the next Monday to close at 224.84 – a loss of 20.5% for that day. It would close lower December 4, 1987 at 223.92 but the low point for the move came the day after the plunge, October 20, when it dipped to 216.46 for a loss of 36.0% from the August high.1973
This, along with the 1968 bear market, were part of the mega bear market that spanned 1967 – 1982. The S&P oscillated within the 100 and 110 range for most of the year. It cleared the 110-barrier in late summer only to dip below it again before making its final surge as the year closed. It peaked at 119.79 December 12, 1972 and then dropped 4.3% to 114.63 December 21, 1972. The New Year propelled the index higher reaching a top of 121.74 January 11, 1973 – a 1.6% gain from the previous high. It quickly dropped to 111.85 by February 8 and then proceeded to careen downward over a series of bumps until hitting bottom at 60.96 October 4, 1974 – a 49.9% loss.1968
After an initial drop to start the year, the market climbed steadily from March through November finally topping December 2, 1968 when the S&P 500 maxed out at 109.37. The index dropped to 96.63 by January 13, 1969 (an 11.6% drop), fizzled in its rally coming within 0.43 points of the low March 17, and then rallied all the way up to 106.74 May 14, 1969. After coming within 2.4% of the top it succumbed finally hitting bottom May 26, 1970 at 68.61. That was a 37.3% haircut.1962
The stock market steadily climbed from October 1960 to December 1962 when the S&P 500 topped out at 72.64 December 12, 1962. Then it dipped to 67.55 January 24, 1963 for a 7.0% loss. The index quickly went back to 70 the next week and eked out a small gain the next month finally peaking at 71.44 March 15, 1.7% below the high. Thereafter, the index plunged to 51.35 June 25, 1962 for a 29.3% decline.1946
The market had been on a tear since the latter part of World War II and started 1946 the same way gaining 8% by February. Intraday highs and lows for the S&P 500 were not available for the analysis so, hereafter, Dow Jones Industrial Average closes will be used. The Dow Jones closed at 206.61 February 5, 1946. The index then plunged 10% to close at 186.02 February 26. It quickly recovered its previous high and surpassed it on a bucking horse ride up to 212.5 May 29, 1946 – a 2.9% gain from its previous high. The bumpy ride continued until August when the index reached 204.52 on August 13 and then fell in exhaustion finally closing at 163.13 October 9, 1946 for a 23.2% decline. Despite a number of rally attempts, the market would continue to struggle until February 1948 with a maximum loss of 28%.1937
After a precipitous drop from 1929 to 1932, the market seemed to be on recovery mode until it plateaued in early 1937. The Dow Jones closed at 194.4 March 10, 1937 to mark the end of the uptrend. The index then drifted lower for three months until bottoming June 14, 1937 at 165.51 for a 14.9% loss. It spent the next two months on a steady climb eventually topping at 189.34 August 16, 2.6% below the previous high. That was its last hurrah as the market plunged 49.1% to its 98.95 March 31, 1938 Dow Jones close.1929
Much like the 2000 market, the Big Crash of ’29 gave plenty of warning. After going sideways for the first half of the year, the market went through a 10.0% correction when it swanned from a 326.16 Dow Jones close May 6 to 293.42 May 27. Thereafter, it rose undaunted until reaching the market top close of 381.17 September 3, 1929. It drifted lower, slowly at first, but then gained momentum until reaching a low point Friday, October 4 with a 325.17 Dow Jones close – a 14.7% loss. It made a mad dash effort to recover the next week but was only able to manage a 352.86 close October 10. At 7.4% lower than the September high, this was the lowest percentage close to a previous high of any of the major bear markets. Then again, this was the granddaddy of all bears. Ten trading days later, on October 24, the index closed below 300. It dived Monday, October 28 and again the next day closing at 230.07. The market continued its plummet until eventually reaching bottom July 8, 1932 when the Dow Jones closed at 41.22 for a record 89.2% decline.ConclusionHistorical data shows that every major bear market since 1923 always provided investors with a warning. After seemingly peaking, they went through a significant decline before rising again only to plummet thereafter. In two instances, 2000 and 1929, it gave two warnings; the first a correction months before peaking, and the second after peaking.Declines after the initial peak ranged from 14.9% to 4.3% with an average of 10.8% and a median of 11.6%. In three out of the nine cases, 2007, 1973 and 1946, the second peak was lower than the first. The range was from a loss of 7.4% to a gain of 2.9% with an average of -1.4% median of -1.7%. Taking out the 1929, 7.4% outlier, the average was -0.63% and the median -1.6%. The time between the two peaks ranged from 30 days to 5.4 months with an average of 96.7 days and a median of 93 days.Starting from the premise we are in the beginning stages of a major bear market, and having gone through a 10% correction, what is in store for us? Surveying the data, it turns out we are average. There seemed to be no relationship between the severity of the bear market and the time lapse between the two peaks. However, five out of the six times the market went through a bonafide correction, 10% or more, it took months, between 2.9 and 5.4 months, for the market to top and begin its downturn in earnest. The notable exception was the Crash of 1929, which only took 37 days between the first and seconds peaks. Although there was no consistent pattern for depth of the initial decline and the total decline, it is notable that the four largest initial drops led to declines of 49% or more – a level only achieved by the 1973 bear market after only a 4.3% decline. There is no discernible relationship between the initial decline and second peak level, nor the total decline and second peak level.It could be that Morgan Stanley’s prediction this Monday, that a slowdown may loom starting in the second quarter, may be correct. We have already gone above the -7.4% level from 1929, so it would seem this market does not correlate all that well to that one and the wait to the next decisive peak will be measured in months. Regardless, I would caution all to watch the market’s advance very carefully. If the S&P 500 gets within 2.6% of the 2872.87 January 26 top, i.e. 2798, that is your signal to exit the stock market. No sense being greedy about the last 1 or 2 percent gains and risk losing much more.

Blog Marketing For Beginners

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