Friday, October 12, 2007

Online Stock Market Trading Company

How does an average Joe trade these days? Can he afford a broker or a financial advisor? Trading through Online stock trading company is the only way to go when it comes to trading stocks. The advent of online stock trading has brought trading to the regular masses and made online brokerage company a lasting institution of the financial world. There are plenty such online stock brokers available. These brokers are doing aggressive marketing these days to capture new investors.

Stock trading online is undoubtedly a beautiful way of automating the entire trading process without any human intervention. But dont forget, it is very much like any other business. You do need initial capital, actionable plan to work upon, risk appetite to bear losses and not to mention your dedicated time and resources. A businessman does require educational qualification and thorough knowledge of his field of business. Similarly a trader is expected to have educational enhancement ability which can aid him in his research on underlying company stock trading.

There are plenty of online brokerage firms available in market. Four important criteria to be kept in mind while selecting your online broker are as follows-

  • Brokerage fees / Commissions.
  • Initial deposit
  • Newsletter

Brokerage Fees - Broker usually charges some percentage amount of each transaction (be it buy or sell). So more transactions you make, more money you have to pay to the broker. So essentially brokerage is dependent on number of transactions and amount of transaction. Phone orders is also one option available to investors but brokerage fees for phone orders would be higher as it requires human intervention.

Initial Deposit Even best stock trading company would require a minimum initial deposit in order to trade stocks on their site. A minimum initial deposit can start at $500 and go all the way up to $10,000 or more. If an investors account balance go below this deposit amount, penalty fee of $10-20 (or more) will be charged to them every month.

Tools / Newsletter - Investing in stock can be facilitated by brokers if they could provide their investors with streamers which allow an investor to see current prices of stocks. Not only that, online brokers facilitate investors with Trading Newsletter which includes all that you need to trade in stocks. It is very comprehensive and has information on new trading picks, stop loss points, daily targets, short and long term strategies and some other educational tips on stock trading online!

When online stock trading was not in place, each investor used to have a broker who not only did the transaction but served as an advisor also. Now in online trading era, individual investors make most of their decisions on a gut feel without doing any research exercise. But the irony is these investors usually dont have any trade plan into place. They dont approach this financial market in a planned and disciplined manner. Result is they get exposed to high risks!

Online stock broking is one of the best medium available for investors to do stock trading if they use this tool in an efficient manner.

I wrote this article to share my views about online stock market trading companies and stock market trading online

Rental Real Estate

Understanding Your Rental Property

Adding real estate to your portfolio can be a smart thing to do. Many do this by converting their first home into a rental when they can afford to acquire another principal residence. As I have discussed before, every portfolio should have 20% invested in the alpha rim (see Do What the Hell I Tell You-Guide to Portfolio Building). The alpha rim is the part of a portfolio that is not invested in stock market products. Therefore, it is not subject to market fluctuations and provides some risk protection to a given portfolio. When adding any new investment to our portfolio, we should take time to learn the basics so that we can make informed decisions over time. Adding real estate to a portfolio definitely requires an understanding of the fundamentals.

Lets begin by taking our first town home. It was purchased right after we were married with the intent that we would one day live in a larger home. Because we were so good at saving, we did not need to sell the first home to get into the new place. We have made contributions to retirement plans and have savings on the outside of the retirement plans. The decision has been made to keep this town house and convert it to a rental property in order to begin investing in the alpha rim. It becomes necessary at this point to understand how a rental property works from its beginning, during its operation, and when a decision is made at the ending its existence in the portfolio.

Putting the Property in Service

If the property is being converted from personal use, as it is in this situation, we must take the lower of cost or market value in placing this property into service as a rental. If we purchased the home originally for $200,000 and its fair market value is $300,000 when we are ready to make the conversion, we will use the $200,000 original cost as our basis. If the fair market value was $150,000 at the conversion date, then this would become the basis for the rental property. Placing a property in service in this case means establishing how much will be available for depreciation and how much will be allocated to land. Lets assume that $200,000 is our basis. We will need to allocate this basis to determine what can be depreciated and what must be land (not depreciated). I like to use the property bill assessment as it normally breaks down the property into what is building and what is land. After reviewing the property assessment, it is determined that 80% of the propertys value is building with the remaining 20% representing land value. This means that we will depreciate $160,000 over a 27.5 year life, or $5,818 per year. If we were to purchase this rental property as opposed to converting, our basis would be calculated based on cost plus settlement charges. Remember, each year that we take depreciation, we are reducing our tax basis in the property. This is important to know as we consider disposition of the property.

Operations of the Rental Property

As one might imagine, everything that relates to the property becomes a tax deduction. Mortgage interest, real estate taxes, repairs and maintenance, insurance, property management fees, and the like become ordinary and necessary expenses for the rental property. It should be noted here that the ideal situation is to have the rents charged to tenants equal not only debt service on the mortgage, but some built-in factor for repairs and upkeep. This of course, will be subject to fair market value rents in the neighborhood, but the goal should be to cover these expenses. In the event that the property operates at a loss, this loss will be able to offset other income on a tax return to the extent that adjusted gross income is $100,000 or less and the loss itself is not greater than $25,000. If adjusted gross income is $150,000 or more, the $25,000 loss limitation is reduced to zero which would make suspended any losses realized. Suspended losses are then carried forward to offset passive income in future years or to be recognized upon termination of the property. When starting a rental property, it is important to know the rules of the game as one might not get the tax benefits expected. If your adjusted gross income exceeds $150,000, you will not currently get any tax benefit from losses unless you have passive income from other sources. If you have a series of suspended loss carry-overs, you might consider adding a passive income generator to your portfolio (see my article, The Most Complete Real Estate Article on the Internet).

Disposition of the Rental Property

Now we are considering the disposition of our rental property. At the time, it is believed that we can get $400,000 for our investment. Do we have exposure to income taxes due to the gain of this property? Of course we do, dont be silly. Lets first calculate what our gain will be. We know our selling price, so we need to calculate our adjusted in the property. If the property has been depreciated for 10 years, our accumulated depreciation will be $58,180 ($5,818x10 years). This would bring a depreciable basis of $160,000 down to $101,820. We will add $40,000 to this for un-depreciated land basis bringing the adjusted basis up to $141,820. The gain exposure for this property is then calculated to be $258,180. This gain is section 1231 gain which will likely mean that it is long-term capital gain. However, this gain will have two tiers of tax. Because of the depreciation taken in prior years, the accumulated depreciation of $58,180 will have a 25% tax rate application. The balance of the gain, $200,000, will be taxed at the long-term capital gains rate of $15%. There is the potential to do a 1031 (like-kind) exchange on this property which would allow for the postponement of the gain providing that a property of greater or equal value is acquired. There is also the potential for netting the capital gain of this transaction with capital losses that might be in the portfolio. Does it make sense to sell outright or do a 1031 exchange? It depends on the facts and circumstances of this particular portfolio. If the alpha rim is well above the 20% mark, and with long-term capital gains at just 15%, it might make sense to just recognize the gain and pay the taxes (see my article on netting capital gains and losses). If we need to buy another property to maintain 20% in the alpha rim, the 1031 exchange could be the right solution. See what I mean when I say one must understand the fundamentals of owning real estate? My way is better.

Ron Piner, CPA
Host of Better Business
Saturday Mornings at 10ET
On WBIS AM 1190

The ABCs of the Stock Market

A recent study indicates that Americans are saving less these days than they were 10 years ago, except for entrepreneurs and corporate executive and in one particular segment young middle-managers who are about six to 10 years into their careers and only beginning to make headway into the higher echelons of their particular industry.

Are you one of these people? If you are, then chances are that you are currently in the process of planning or expanding your base of investments. You have probably given real estate a good look and determined that, although attractive, it is more ideal for a full-time real estate investor because it demands a lot of effort and time. You also probably have a tidy little sum invested in various banking tools like savings and time deposits as well as common trust bonds and government securities. Thats all well and good and your money is safe right there. But now you want to shoot for the moon, mainly by investing in the kind of company and industry that you may be familiar with. You are eager to try the stock market.

Here are a few basics about the stock market business.

The stock market is mainly a place where you sell or trade a companys stock. These stocks are small shares in the company which it sells to the public in order to raise capital to finance its other ventures. Of course, you already know that capital is the money that a company spends for producing, improving, expanding, distributing and promoting its products and services. If you buy a companys stocks, you are one of its shareholders.

The use of the term stock market also applies in reference to all the stocks that are available for trading (as well as other securities) as in the statement "the stock market performed well today."

You can also trade bonds on the stock market. Bonds are a business IOU that indicate that the bond issuer holds the bond holder a debt. Bonds are traded directly between two parties over the counter.

You may opt to trade commodities on the stock market. The term commodities refers to agricultural products (coffee, sugar, wheat, maize, barley, cocoa, milk products) and other raw materials (pork bellies, oil, metals). For example, if you feel that the price of coffee will increase next month, you buy the coffee commodity now and reap the benefits of the price increase next month when you sell.

Jonathon Hardcastle writes articles on many topics including Investing, Business, and Finance

The Right To Be Rich

To be rich is our birthright. It is the fool who praises poverty. The whole crux of the issue is the connotation of the words richness and poverty. It is naive to think that richness means a bank balance or glittering gold coins that robbers can steal. The currency value of cash might rise and fall until a time will come when a whole truck full of printed notes will be required to buy a pair of shoes. So richness does not relate to the clink of metal or rustle of paper.

The right to be rich is inherent in us. Life is to be enjoyed. To do so it is necessary to know what riches and enjoyment mean. The concept of poverty must also be understood. Without the contrast of rain and shine we would never savor the monsoons. As the newborn calf has the right to the milk flowing from its mothers teat so too Man, at the moment of birth, inherits and has a right to the riches of this world air, water, fire, earth and space. A country with a balanced plenty of these five is said to be rich. So too are the people of the land.

The right to be rich is entwined with the right to enjoy. The native of the land suckles on the bounty of Nature and enjoys it. Here comes the catch. Each of us has a zone, or a bank account from which we can dip in and enjoy. The deer has the grassland. The tiger has the deer. Man rules over all. But if the man finishes off the tiger and the deer does not allow the grass to replenish, the stock markets of Man will fall. Man will become poor. So the enjoyment of one is linked to another with a strict code of balance.

The Selfish Giant was very rich and bombastic about his rights. But could he enjoy until the children were allowed into his garden? King Midas had an agonizing experience and begged the god to take back his golden touch. The unthinking glutton gorging on food ultimately suffers digestion.

So the secret of enjoyment is carefully nourishing and multiplying the riches we are born with, which is our birthright and then sharing it in one big happy party on planet earth inviting all creation plants, animals and man.

CW Teo is an expert in personal development. His Team Blog: Click here to download a rebrandable Free Report: Bob Proctor On Science of Getting Rich.

The Reality of Foreclosure Investing

The reality of foreclosure investing is very different from what people have been led to believe through late night infomercials and the hundreds of books written on the subject. Always remember these two key facts when dealing in foreclosures.

Every active foreclosure investor works a lot more than people working 9-5 jobs.

Serious foreclosure investors either have large sums of money of their own or have another investor backing them up.

Finding a solid foreclosure property to purchase is not a matter of choosing what you want, it is a matter of finding something that works economically, keeping track of it, researching it, and then beating out all the other investors who are interested in it.

People treating this business seriously invest a lot of time and energy into finding and following leads. So, is it possible to make money in this business?

Absolutely, but you must know your strengths and weaknesses.

One of the major problems most beginning investors have, is knowing the market value of a property they are interested in. Experienced investors will have their properties valued to within a 3% variance all the time. All decisions regarding a property are based on the price it will receive. In other words Know The Market Value. Experienced foreclosure investors will use The Multiple Listing Service, Title Companies and their own experience to arrive at that value.

The second problem is the law. You dont want to run into legal issues because youve structured a deal that is illegal in your state. States do have laws regarding what you can and cannot do with owners who are defaulting on their home loans. So again, do your research.

The third problem is the problem of money. If youve got a good amount to back your purchases, thats great. But even if you dont, it is still possible to do the deals. However, you do need enough to be able to find properties, keep track of them and cover your on going expenses.

The fourth problem is that of knowledge. Federal tax liens, partial interests, leased land, incorrect property information, unpaid property taxes and wrong common descriptions are all things that hurt investors. If you dont know how to check for these things, you should not be investing in foreclosures. If you dont know how to follow up on real property information, you need to spend some time acquiring the knowledge necessary to complete these tasks. Take a course, read, make contacts and talk to people involved in the business. You can easily find them at local Trustee or Sheriffs sales.

Successful Creative Real Estate Financing, as in life, depends not on what happens, but on what you do. The key to your future is what you do with what you have, because life gets better not by chance but by change. It only gets better for you, when you get better.

Many people are impressed with the many creative ways there are to make money in real estate, but dont have any money to get started. It really is simpler than you might think. Notice, that I said simpler, not easier. Ideas dont work unless you do.

Learn one creative financing formula very, very well and keep using it. Do what you do best. Find one formula that you understand, are comfortable with and like to work with. Get good at it. Then, get better. Remember this: perfect practice makes perfect. When you have one success, reinforce it with another. When you miss, analyze and correct your mistake and do better the next time. Keep refining your formula until no one else can implement it as well as you do. Success is no accident: it takes commitment.

Until next time, I wish you much success.

If you think you can win, you can win.

-- William Hazlitt

Rodney Brooks is CEO of Brooks Global Financial Network. Brooks Global Financial Network is located in Bridgeton, New Jersey

Rodney can be reached by email at:

To get a free comprehensive Creative Real Estate Financing Course, visit

For more information on the Brooks Global Financial Network including links to personal and business financial information and services, free courses and information on home business, affiliate marketing, credit repair, bankruptcies, divorce, taxes, real estate, home and business telecommunications, VOIP, and much, much more, visit

No Good Thing Lasts Forever - Except, Perhaps, Immediate Annuities

Most people will agree that nothing lasts forever, but a careful look at various investment options might yield an exception or two. Rising health-care costs, inflation, and consumer prices are just a few of the variables that cause people to struggle to make ends meet these days. Unusually low interest rates only exacerbate the problem, forcing countless retirees to tighten their belts. If this outlook matches what youre currently facing, dont abandon hope; an immediate annuity might be the solution for you.

Recently, we were asked for advice by an 86-year-old former executive assistant who well call Jacqueline. She came to one of our seminars at a local library. Afterward, Jackie approached us and started to talk about her situation. She never married and has no children. Shes been retired for about 20 years, and recently sold her home so she could move into a comfortable assisted-living residence. Jackies primary concern was to have enough income to supplement her Social Security and pension benefits so as to maintain the standard of living to which she had become accustomed factoring in inflation, rising housing costs, personal health-care costs, and taxes. Her will would donate the remainder of her estate to a few charities of her choice.

To meet these goals, Jackie needed more income than her principal would allow under traditional conservative investments. Like many of her contemporaries, she did not have the physical stamina to re-enter the work force. This meant that she could not afford risks associated with the stock market. What she wanted, in her own words, was a guaranteed, preferably tax-favored income stream for the rest of her life, an income that would remain perfectly stable despite fluctuations in the stock market. After a thorough investigation of many options and detailed conversations with Jackies accountant and attorney, we narrowed the possibilities to one investment vehicle: the single-premium immediate annuity.

An annuity is a tax-deferred investment vehicle that gives you a fixed or variable annual income. The amount of that income is based on the initial value of the principal and the type of annuity the owner chooses to invest in. There are many different types of annuities, all of which are designed to meet various needs. Annuities can be fixed, variable, immediate, deferred, medically underwritten, etc. As with any purchase, investors must weigh the benefits that an annuity may offer against the costs, management fees, liquidity, and the price of added benefits. The key to remember is that annuities come in different shapes, colors, and sizes. There are literally hundreds of different ways they can be purchased, but one way needs to be found. When looking to buy, you should always evaluate how the benefits match up with your own needs. It is for this reason that we always recommend that investors have a meeting with their accountant and attorney, along with the person who is selling the annuity, so that nothing gets lost in the translation. At this time, a detailed discussion of all the pluses and drawbacks can take place and an informed decision can be made taking into account factors the investor originally may not have thought about.

Although New York State is a highly regulated market that maintains a close eye on the types of products sold to investors, you should always be fully aware of the ins and outs of the product youre dealing with. Often, certain types of annuities pay a high commission to the people selling them. Because of this, and the complexities discussed earlier, it is not uncommon for the seller to place his or her interests above those of the (typically less savvy) investor. Contrary to popular belief, annuities are not only sold by insurance agents, but by brokers, CPAs, CFPs, tax preparers, local banks, and many other people and institutions as well. As always, its important to know who youre dealing with and dont be afraid to ask questions! Whether you live in NYC, the east coast, west coast, or some place in between, it is best to be prudent and always do the required due diligence. The type of annuity Jackie did her due diligence on was an immediate annuity.

With immediate annuities, the investor or investors (ownership can be single-life or joint-life) puts up an initial principal in exchange for a stream of payments. An insurance company is typically the seller of the annuity and will be the one that sends you the monthly, quarterly, semi-annual, or annual checks. Why would an insurance company be willing to take on this tremendous responsibility of lifetime payouts? Well, it is all based on life-expectancy statistics, which are derived from actuarial tables.

Immediate annuities have various payout options. Some of the more common are lifetime income-only, lifetime period-certain, lifetime income-with-cash (lump sum) refund, lifetime income-with-installment refund, and period-certain. Simply said, you have several choices about how you receive your money. Keep in mind, however, that different types of annuities are sold through different insurance companies, with various credit ratings. Because so many factors play into a decision about which type of annuity to purchase, it is essential to consult a financial professional before making your final decision.

The payout amount of an immediate annuity is determined strictly by age and gender, unless it is a medically underwritten policy, in which case the health status of the annuity owner also plays an important role. (The insurance company will often pay more when your life expectancy is altered because of poor health.) What made this investment appropriate for Jackie was largely the fact that she had no heirs, because when you set up an immediate annuity you forfeit all rights to ownership of your initial investment principal. If you have heirs who are dependent on an inheritance they assume theyll receive, a conversation about the consequences of going through with this kind of an investment should definitely occur. Still, the benefits associated with an immediate annuity are impressive; the insurance company will guarantee your income payments for the remainder of your life, even if you live to be 120.

Jackies Social Security, pensions, and bond income did not generate enough cash to meet her high monthly expenses, which meant that she had no choice but to dip into her principal every year. Had she stayed on that path, Jackies entire principal would have been depleted in about six years. We were tempted to recommended tax-free municipal bonds because of their liquidity, income security, and tax-free status. But current interest rates and Jackies high income needs would again have forced her to invade and ultimately deplete her principal within those same six years. Knowing that the national life-expectancy average of a woman Jackies age is currently around six years, and taking into consideration her superb health and strong genetic background, investing in municipal bonds created a risk we did not feel at all comfortable with.

In Jackies case, we chose a lifetime income-only annuity because the alternatives were too risky, and also because not being able to afford to live where she wants, with the people she cares about, was unacceptable to her. If, like Jackie, you are looking for consistency, guarantees, or just peace of mind that you wont run out of money during the final stage of your life, an immediate annuity could be the solution for you.

Don Conrad is president of Conrad Capital Management, an independent registered investment advisor, in Melville, New York. Can be reached by phone: (631) 439-7878 or email:

Don started his career in the late 1970s at a nationally recognized mutual fund company and was recruited after three years by E.F. Hutton Company to work in the consumer retail division. During his thirteen-year tenure there, he spent two years specializing in and trading the 30-year treasury bond. For the last five years, he served as a senior vice president focusing his efforts in the Consulting Services division, maintaining offices in both Long Island and Manhattan.

In 1993, he was recruited by PaineWebber as a Senior Vice President in the consumer retail division. In addition to managing his clients assets, he was asked by senior management to conduct a nationwide tour to train financial consultants in the Consulting Services division. Don also made a video on the use of advanced technology in the financial services industry. This video was distributed to PaineWebber offices internationally.

After almost five years at PaineWebber, Don decided to pursue his dream by starting Conrad Capital Management in order to offer his clients more choices and flexibility.

Time of Day To Day Trade

Day traders are a special breed of animals from the investors and swing or position traders. To them, there is a routine throughout the day they notice and take advantage of them. Each segment of the trading hours has special meaning. When it comes trading, these traders know when they are at their best and when they will not make a dime.

Floor traders are the best at knowing the routine of the market. The same human nature shows up in the everyday life. Humans love routine, even the people who are never do the same things twice or abhor normalcy and ordinary, they do have their own routine in another aspect of their life. So even in trading, the stocks and exchanges show their similarities day after day, even in a chaotic world in financial markets, there are subtleties that help these traders profit from the markets.

Here are some of the known facts about markets in general:

1. Volume - Most of the participation are around the opening and the closing hours of the day's session, especially on days where there are economic or company news pending. The more important the economic news, the more the volume, such as Federal Reserve meetings. Volume and volatility increases exponentially.

2. Price - There are certain prices where traders will participate in large numbers such as new highs or new lows. These areas come to be support or resistance, driving more traders into the fray. When these prices are near, expect this action to become routine.

3. Time - Different times of the trading hours bring different types of volatility and traders. Opening and closings see many day traders entering and exiting the markets while half way in the session will see less day traders as lunch time brings quiet time. The day is usually divided into 60 minute increments (hence the popular use of the 60-minute charts by day and swing traders). These time slots mark an important routine of the day. For example, the first 60 minutes show high volume with many emotional buying and selling to due market imbalance caused by news before the market opening. The second 60-minutes usually see the volume decreasing. This time slot also determines the direction of the market for the day ''either continuing the direction set by the first 60 minutes or reversing the direction. The last hour also give clues to the following day. But due to news interrupting overnight momentum, it's more difficult to use it as an indicator.

4. Day of the week - Depending on the day of the week where swing traders may initiate their positions at the beginning of the week and exit at the end of the week. For others, watching the beginning of the week to see the tone of the markets that may play out the rest of the week. In doing so, the day traders may observe and trade according the week. Mondays tends to be low in volume as the weekend slowly fades bringing traders back to their work. Wednesdays tend to find the tone for the rest of the week with a trending day. Fridays tend to reverse on the entire week's direction. Many swing and day traders will usually exit their positions, taking profits made from the week's gains.

5. Month - The beginning and end of the month provides more volatility than in between. Why? Accounting purposes, perhaps, where institutions maneuver their assets. There is tendency for volume to appear greater at the first few days of the month as well as the last few days of the month with more conviction in the direction. September and October lately have become the turning point of the markets, changing directions, especially from downtrend to uptrend. The crashes in recent history have taken place in these two months and tend to be the lows of the year.

6. Season - In general, the summer provides the least liquidity due to people in general going on vacation. During the rest of the year, there healthy volume sustains the trend. During the fall just up until Christmas will see a rise in volume and bullish trends.

These are routines that should not be taken lightly. They do exist and finding them can be a long arduous process. Once found, the trader will have an edge in profiting from the inefficiency of the markets.

Larry Swing
CEO & Head Swing Trader
swing trading with
+1 (281) 968-2718
Yahoo & Skype ID: larry_swing

How To Tell When You Guilty of Over Trading

How To Tell When You Guilty of Over trading.

The essential feature of overtrading is not the number of actual trades but your reasons and motivation behind each trade.

Confused? I shall explain further.

Overtrading becomes more apparent when in a Bull Market as the share trader is frightened of missing out or will rush into every reasonable trading opportunity that shows itself or that they can afford.

These trades involved are no longer based on money management or any risk control. Here are four main questions that you can ask yourself if you think you are overtrading.

1. Is each trade based on sound research and financial analysis?

2. Is each trade part of an overall management plan that is based on matching the trade with the risk involved?

3. Does each trade have clear financial objectives which determine your exit position?

4. Does each trade only use capital allocated from your previous trades?

If the answer is yes then the trade is being made for the right reasons and the right criteria.

If two or more questions are answered in the negative, then this suggests that your are overtrading and your emotions are in charge . Can You Guarantee Success Every Time You Trade?

The answer is a resounding NO! But you can maximize your chances of success.

Firstly have a look in the mirror. It will reflect your worst trading enemy, ourselves. But most of us will blame other circumstances for our failure in the market. When in reality it is our in ability to take losses over trading.

What Steps Can We Take to Complete a Successful Trade?

1. Identify trading opportunities.

How do you do this? Usually it is done by three ways. You have the option of using a database scan using a software program or by using eyeball verification of bar charts and using indication verification using the Macd, Rsi or your own favorite indicators.

2. Analysis of opportunities.

A. Check for bias.

B. Assess stop loss conditions.

C. Assess profit targets.

D. Rank by time / risk.

3. Trade Management of our Portfolios.

A. Watch the depth of the market on your entry. B. Place and execute the order. C. Enter details in order log. Print out chart with summary trading plan.

D. With your open positions (trades) each day you verify the original trading conditions arc intact.

E. Enter details into trading record and file contract notes.

Christopher Strudwick is a keen amateur investor on the Australian Stock Market. Visit his weblog for more free articles and useful information at