Alexa

In peaceful Nepal, a sinister black market is flourishing. Kavre province has become infamous for the shocking numbers of people who have sold their kidneys. Poverty and lack of education about the potential impact on health mean villagers are easy prey for unscrupulous dealers. Tricked into undergoing risky surgery and paid a pittance, donors are often left with debilitating and lifelong consequences.
 

Anyone know much about this condition?

God will judge sexually immoral people and adulterers.—Heb. 13:4.
http://wol.jw.org/en/wol/dt/r1/lp-e/2016/7/31
Some of God’s faithful servants have weakened their moral defenses by associating with non-Witness workmates after work hours. Even during work hours, temptations can arise. It was at his workplace that a handsome young man named Joseph realized that his employer’s wife was very attracted to him. Day after day, she tried to seduce him. Eventually, “she grabbed hold of him by his garment and said: ‘Lie down with me!’” But Joseph managed to run away from her. What helped Joseph to keep his spiritual defenses intact? It was his firm resolve not to damage his relationship with God that safeguarded his chastity and integrity. As a result of his resolute stand, he lost his job and was unjustly imprisoned, but Jehovah blessed him. (Gen. 39:1-12; 41:38-43) Whether at work or in a private setting, Christians need to avoid putting themselves in tempting situations with someone other than their marriage mate. w15 1/15 4:8, 9

I get50 50

via TheWorldNewsOrgvia journal.theworldnewsmedia.org

I will put a plug in for Loyal3 brokerage.  https://www.loyal3.com
I think it is a good way for the average person to start accumulating shares in blue chip stocks of items they use everyday.
 

How millionaires under 40 manage their money......   ;o)
Millionaires under 40 are more likely to hold on to cash, a report found.
Alas, there are some people who are lucky enough to be both young and rich.
And a report released last month by Capgemini Consulting showed some interesting trends in the strategies young millionaires use to manage their money.
In many ways, millionaires under 40 are even more conservative than their boomer counterparts. They are more likely to hold on to cash, less likely to invest in stocks and more prone to stashing money in alternative investments.
The findings, combined with other studies on how the younger-than-40 crowd handle their money, may even offer lessons for people who don’t have much wealth yet but are striving for it.
Here are some of the money management strategies that stand out among the young and wealthy.
They have plenty of cash on hand. Millionaires under 40 held about a third of their total assets in cash, including physical cash and money kept in the bank, like a checking account, according to the report. When asked why it was important for them to have so much cash, 17 percent of young investors said they wanted to be ready to pounce on the right investment opportunities when they arise. Thirty one percent said they wanted money on hand to be able to live the lifestyle they want. (Those vacations, shopping trips and nice meals need to be paid for somehow.)
Millennials who are more concerned with paying off their debt and covering the bills may have a hard time relating to that mentality. But some of the motivations pushing young millionaires to have cash in the bank aren’t that different from the reasons encouraging other millennials to build up a cash cushion. About 28 percent of young millionaires said it was important for them to have cash as a way to protect themselves from market volatility, according to Capgemini. It’s in line with other studies suggesting that millennials are nervous about taking on too much risk with their savings, even if they won’t need the money for a while. But there is a cost to holding too much cash, said Greg Popera, a private wealth adviser with Merrill Lynch. People who neglect to invest at least part of their funds in stocks, real estate and other assets may miss out on potentially higher returns over time, he said.
They spread their bets. As for the part of their wealth that is being invested, the young and wealthy are not relying too much on any single approach. Roughly 30 percent of their assets were held with wealth managers who could help them build a portfolio of stocks, bonds and other traditional investments. But about 40 percent of their portfolios were split up among less traditional investments including real estate, a business and other alternative investments.
That broad category of alternative investments can include gold, hedge funds or other asset classes that are expected to behave differently than the stock market, financial advisers say. For example, while stock markets were plunging on the day after Britain announced it had voted to leave the European Union, the price of gold soared.
By branching out into real estate, which can lead to rental income, investors are creating additional income streams that are not tied to the stock market or to their main jobs, financial advisers say. Investing in a business by buying a sizable stake in a company or by starting a small business can boost wealth and lead to big payouts when a business does well. But because such investments always require more risk, business investments tend to make up a smaller portion of the overall portfolio — about 13 percent — when compared to cash.
They consult friends and the web. When seeking advice on how to best manage their money, younger millionaires are more likely to turn to family, friends and the internet for guidance than they are to hire a professional when compared to older generations. Consider, among the under 40 group, just 17 percent of assets were with a primary wealth manager, compared to 27 percent for millionaires of all ages in North America. And a separate study from TD Ameritrade found that 28 percent of millennials turn to their friends for financial advice, compared to 15 percent of boomers, who were more likely to turn to a professional.
‘‘More and more we know that for this newer generation, traditional wealth management does not work,’’ said Tej Vakta, senior leader of global capital markets with Capgemini Financial Services. Younger investors were more likely than boomers to say that it was important for their adviser to offer online services that allow them to track or control their investments, Vakta said. But demand for online options is growing among all investors: Sixty-seven percent of millionaires of all ages said this year that they wanted an automated advice option, or a so-called robo-adviser, up from 49 percent in 2015, according to Capgemini.
They invest with a purpose. In addition to looking for investments that will boost their portfolios, many young investors — and not just the rich — want to know that their dollars are going toward the social causes that matter to them. Through a strategy known as socially responsible investing, some investors work with an adviser to dedicate a portion of their money to companies they feel are working to advance a certain issue, such as climate change. In other cases, investors will ask their advisers or brokerage firms to exclude industries they don’t want to support, such as alcohol companies, tobacco companies or gun manufacturers. Investors can also use mutual funds or exchange traded funds that offer similar strategies.
The approach is particularly common among younger investors. Some 60 percent of millennials and 34 percent of Generation X investors said they wanted to use or were currently using social impact investments, according to a 2015 report from U.S. Trust, a unit of Bank of America.
‘‘It’s a feel good return,’’ said Richard Dale Horn, senior vice president of wealth management for UBS Financial Services. Still, investors should make sure that their efforts to exclude certain industries don’t leave them investing too heavily in any one sector, Horn said. ‘‘I think you have to have a balance.’’
PERHAPS,  THIS  VERY  INTERESTING  REPORT  CAN  HELP  YOU...

Since my last posts I recommend simplification.
VYM stock seems to have great performance with extremely low fees.
 

I also like CEF
Central Fund of Canada Limited is “The Sound Monetary Fund”. Central Fund's purpose is to hold gold and silver bullion on a secure basis
 
 

I also like this fund which you can trade for "free" on TDAmeritrade
 

Why don't you use an Index strategy?
Check out this US Large Cap, High Dividend, Volatility Weighted Index ETF:
Victory_CEMP_US_Large_Cap_High_Div_Volatility_Wtd_Index_ETF_Fact_Sheet(1).pdf
 
I really like the explanation given in this article.
It pays a dividend once a month
Victory Portfolios II
Victory CEMP US Large Cap High Div Volatility Wtd Index ETF   Schedule of Investments
December 31, 2015     (Unaudited)
Security Description
  Shares
  Value
  Common Stocks (99.8%)
  Aerospace & Defense (1.4%):
  Lockheed Martin Corporation
    1,884
    $
409,111
    Air Freight & Logistics (1.0%):
  United Parcel Service, Inc.
    3,138
      301,970
    Automobiles (2.1%):
  Ford Motor Company
    22,068
      310,938
    General Motors Company
    8,736
      297,112
          608,050
    Banks (1.3%):
  People's United Financial, Inc.
    23,436
      378,491
    Beverages (1.7%):
  The Coca-Cola Company
    11,828
      508,131
    Capital Markets (2.2%):
  Invesco Ltd.
    8,692
      291,008
    T. Rowe Price Group, Inc.
    5,107
      365,100
          656,108
    Chemicals (2.9%):
  EI du Pont de Nemours & Company
    5,476
      364,702
    LyondellBasell Industries NV
    2,345
      203,780
    The Dow Chemical Company
    5,674
      292,098
          860,580
    Communications Equipment (1.7%):
  Cisco Systems, Inc.
    10,333
      280,593
    QUALCOMM, Inc.
    4,494
      224,632
          505,225
    Consumer Finance (0.6%):
  Navient Corporation
    16,378
      187,528
    Diversified Financial Services (1.1%):
  CME Group, Inc.
    3,465
      313,929
    Diversified Telecommunication Services (0.8%):
  CenturyLink, Inc.
    9,399
      236,479
    Electric Utilities (12.3%):
  American Electric Power Company, Inc.
    5,857
      341,287
    Duke Energy Corporation
    4,658
      332,535
    Entergy Corporation
    4,829
      330,110
    Eversource Energy
    6,679
      341,097
    Exelon Corporation
    8,426
      233,990
    OGE Energy Corporation
    11,174
      293,764
    Pepco Holdings, Inc.
    10,426
      271,180
    Pinnacle West Capital Corporation
    5,508
      355,156
    Southern Company
    8,057
      376,987
    Westar Energy, Inc.
    8,732
      370,324
    Xcel Energy, Inc.
    9,671
      347,286
          3,593,716
     
  Electrical Equipment (2.0%):
  Eaton Corporation PLC
    4,908
    $
255,412
    Emerson Electric Company
    6,711
      320,987
          576,399
    Energy Equipment & Services (1.1%):
  Helmerich & Payne, Inc.
    2,983
      159,740
    National Oilwell Varco, Inc.
    4,760
      159,412
          319,152
    Food & Staples Retailing (3.6%):
  Costco Wholesale Corporation
    2,440
      394,060
    Sysco Corporation
    8,434
      345,794
    Wal-Mart Stores, Inc.
    5,265
      322,745
          1,062,599
    Food Products (1.9%):
  General Mills, Inc.
    7,585
      437,351
    Pilgrim's Pride Corporation
    5,878
      129,845
          567,196
    Health Care Equipment & Supplies (1.2%):
  Baxter International, Inc.
    9,243
      352,620
    Hotels, Restaurants & Leisure (2.8%):
  Las Vegas Sands Corporation
    3,971
      174,089
    McDonald's Corporation
    3,476
      410,655
    Starwood Hotels & Resorts Worldwide, Inc.
    3,266
      226,268
          811,012
    Household Products (1.6%):
  Procter & Gamble Company
    5,730
      455,019
    Insurance (7.2%):
  American Financial Group, Inc.
    6,274
      452,230
    Arthur J Gallagher & Company
    10,027
      410,505
    Cincinnati Financial Corporation
    6,640
      392,889
    CNA Financial Corporation
    9,630
      338,495
    MetLife, Inc.
    5,564
      268,240
    Principal Financial Group, Inc.
    5,551
      249,684
          2,112,043
    IT Services (3.3%):
  International Business Machines Corporation
    2,089
      287,488
    Paychex, Inc.
    8,032
      424,813
    The Western Union Company
    13,674
      244,901
          957,202
    Machinery (2.6%):
  Caterpillar, Inc.
    3,631
      246,763
    Deere & Company
    3,759
      286,699
    PACCAR, Inc.
    4,879
      231,264
          764,726
     
Media (2.2%):
  Omnicom Group, Inc.
    5,600
    $
423,696
    TEGNA, Inc.
    9,075
      231,594
          655,290
    Metals & Mining (0.8%):
  Nucor Corporation
    5,569
      224,431
    Multiline Retail (0.7%):
  Kohl's Corporation
    4,037
      192,282
    Multi-Utilities (13.1%):
  Alliant Energy Corporation
    5,728
      357,714
    Ameren Corporation
    7,948
      343,592
    CenterPoint Energy, Inc.
    15,632
      287,004
    CMS Energy Corporation
    8,851
      319,344
    Consolidated Edison, Inc.
    5,355
      344,166
    Dominion Resources, Inc.
    5,027
      340,026
    DTE Energy Company
    4,070
      326,373
    PG&E Corporation
    6,334
      336,905
    Public Service Enterprise Group, Inc.
    7,043
      272,494
    SCANA Corporation
    5,778
      349,511
    TECO Energy, Inc.
    8,913
      237,531
    WEC Energy Group, Inc.
    6,137
      314,890
          3,829,550
    Oil, Gas & Consumable Fuels (4.3%):
  Chevron Corporation
    3,258
      293,090
    Exxon Mobil Corporation
    4,098
      319,439
    Kinder Morgan, Inc.
    10,093
      150,588
    ONEOK, Inc.
    4,711
      116,173
    Plains GP Holdings LP
    7,299
      68,976
    Spectra Energy Corporation
    9,425
      225,634
    Williams Companies, Inc.
    3,363
      86,429
          1,260,329
    Paper & Forest Products (0.9%):
  International Paper Company
    6,573
      247,802
    Pharmaceuticals (3.7%):
  Johnson & Johnson
    4,005
      411,393
    Merck & Company, Inc.
    5,566
      293,996
    Pfizer, Inc.
    11,213
      361,956
          1,067,345
    Road & Rail (1.1%):
  Norfolk Southern Corporation
    3,637
      307,654
    Semiconductors & Semiconductor Equipment (6.7%):
  Analog Devices, Inc.
    3,671
      203,080
    Intel Corporation
    8,402
      289,449
    KLA-Tencor Corporation
    4,740
      328,719
    Linear Technology Corporation
    6,664
      283,020
    Microchip Technology, Inc.
    5,948
      276,820
     
Security Description
  Shares
  Value
  Texas Instruments, Inc.
    5,259
    $
288,246
    Xilinx, Inc.
    6,126
      287,738
          1,957,072
    Software (1.9%):
  CA, Inc.
    10,865
      310,304
    Symantec Corporation
    11,854
      248,934
          559,238
    Specialty Retail (1.9%):
  Best Buy Company, Inc.
    4,634
      141,105
    GameStop Corporation
    4,477
      125,535
    L Brands, Inc.
    3,074
      294,551
          561,191
    Technology Hardware, Storage & Peripherals (0.5%):
  Seagate Technology PLC
    4,212
      154,412
    Textiles, Apparel & Luxury Goods (0.9%):
  Coach, Inc.
    7,637
      249,959
    Thrifts & Mortgage Finance (1.1%):
  New York Community Bancorp, Inc.
    20,131
      328,538
    Tobacco (3.6%):
  Altria Group, Inc.
    6,392
      372,078
    Philip Morris International, Inc.
    4,107
      361,046
    Reynolds American, Inc.
    6,943
      320,420
          1,053,544
    Total Common Stocks (Cost $29,349,048)
    29,185,923
    SHORT-TERM INVESTMENTS (0.3%)
  Money Market Funds (0.3%):
  Short Term Investment Trust Liquid Assets Portfolio, 0.29%^
    98,072
      98,072
    Total Short-Term Investments — (Cost $98,072)
    98,072
    Total Investments — 100.1% (Cost $29,447,120)
    29,283,995
    Liabilities in excess of other assets — (0.1)%
    (14,989
)
  NET ASSETS — 100.0%
  $
29,269,006
    ^  Annualized seven-day yield as of December 31, 2015.
The Global Industry Classification Standard (GICS®) was developed by and/or is the exclusive property of MSCI, Inc. and Standard & Poor's Financial Services LLC ("S&P"). GICS® is a service mark of MSCI, Inc. and S&P and has been licensed for use by the Fund's Administrator, U.S. Bancorp Fund Services, LLC.
Schedule of Open Futures Contracts
Number of 
Contracts 
Sold   Description
  Notional Amount
  Unrealized 
Appreciation     2     S&P 500 E-Mini Future, March 2016
  $
(203,540
)
  $
1,977
        $
1,977
     

This might help people understand subsidiary brands out there:

Ok... I will begin to share my investment ideas list. I am hoping some of you will challenge me on these or even better surprise me with better opportunities.
Remember that these are stock investments to hold for decades not just quick trades.

Uber is quickly changing the transportation infrastructure of our world.
 

Twitter - I feel this stock has been beaten up and will eventually get bought out by Apple.

Netflix - They have some of the most compelling content on "TV" right now and have a massive subscriber base.

Coca-Cola - Because this will always be around

TJ Maxx - Women just love the hunt and this store seems to just keep on ticking.
I will also now add Amazon to my list: View the following video....
 

@Mr_VHC@WNF Please start new threads for questions since this is not pertaining to the original posting.  Thx ;-)

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Lots of patterns from Madrid, Spain #jwspain #jwespaña #jwmadrid #jworg http://ift.tt/29z8BHt
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Früher war Cindy aggressiv. Die Bibel hat ihr geholfen, sich zu ändern. Wie?
Quelle