Some time ago I wrote several articles on ADHD which get published quite a bit. You can see the latest publication of this one on
The Parenting Weblog
ADHD Kids and Homework
Why Dollar Cost Averaging?
While no one can accurately predict the market, we can predict that the market will often be unpredictable. For many investors, this uncertainty can be difficult to swallow. At {$firm}, we can advise you in developing strategies to help mitigate risk and focus on long-term returns. One strategy we’d like to introduce to you is called dollar cost averaging.
Dollar cost averaging is based on the principal of investing a set amount of money every month in the same stock or mutual fund. By doing so, the investor reduces their amount of risk. This is because when the market is down, the same amount of money will buy more shares. Contrarily, when the market is up, that money buys fewer shares. The end result is an evening out of your investment cost basis.
We can help you to determine just how much you should be investing each month to reach your goals based on your particular financial situation, as well as determine appropriate stocks or mutual funds with which you could invest regularly.
Dollar cost averaging is a disciplined and consistent approach to investing that can help you to meet your long-term investment goals. By utilizing this strategy, you can put less emphasis on current market conditions, and pay more attention to your long-term growth. Let us help you to keep your cool in the face of short-term market fluctuations. We can help you develop a dollar cost averaging plan that works for you.
The Benefits of Staying Invested
Not only is it impossible for even the most seasoned market professionals to accurately time the market, but not being invested during only a few of the markets’ highest performing days of the year can greatly decrease your portfolio’s return.
To understand the real risk of the stock market, it’s important to understand the risk of not being invested in the stock market. Historically, the safest long-term investment for the preservation of purchasing power has been stocks. In fact, with dividends reinvested, large company stocks have produced positive returns in over 93% of all the rolling 5-year periods (a new one starts every month) since 1926. 1
Consider the following examples that illustrate the risk of not being invested over just a few of the best days or months of the year.
• A $1,000 investment in the S&P 500 at the end of 1981 would have grown to $25,584 (including reinvested dividends) by the end of 1998. However, if you missed the 30 days with the highest percentage gain of those 4,400 trading days, your investment would have grown to only $4,549. The difference is 82%. 1
• A $1000 investment in 1978 would have grown to $21,750 in 20 years. However if you missed the highest performing 15 months during this time period, then your investment would have grown to only $6,010, a difference of 72%. 1
Staying invested is one of the most effective investment strategies you can implement.
At {$firm_short}, we’d like to help you build a long-term investment strategy to meet your financial objectives. Let us help you reduce risk with a plan tailored to your needs.
Marketing a Website Part III — Off Site Content
We talked before about the need for professionally written content on your website, but what we are talking about here is the need for content which will attract those looking for information which relates to the services or products of your website. For example, if you are selling lingerie on your website, then having articles relating to massage, oils, types of lingerie, gift giving, size issues, and other information which relates to lingerie itself as well as topics of interest to those who may also be interested in lingerie will attract even more people.
While it is true that many people may be searching for lingerie (886150 searches in November for lingerie), it is also true that other interests would gather more possible hits and sales. 724222 in November for massage, 22424 in November for massage oil, 29032 in November for romantic gift.
Marketing a website Part II — Sitemaps
Creating and Maintaining Sitemaps
First off, what is a site map? Generally when we are talking about a sitemap file for a website we are discussing a index file listing all of the pages on your website which you desire to have searched by Google and other engines. The file is typically a HTML file, and called ‘sitemap.html’. The pages are listed on this HTML file with hyperlinks to each page file. Very simple. Sitemap files like these are created for both human benefit (allowing your visitors to scan the website looking for information), and for the search engines. Most of the major search engines look for these files and use them if the robots find them.
The other type of sitemap file is an XML index which Google also calls a SiteMap file. This file is strictly for the Googlebot to use and index your file from. These files would typically be created by the professional you are using to create your website. You can read more about these in an article I wrote here.


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