Questions First Time Investors Should Ask Before Investing

It is easy to find people’s opinion on how to invest in the stock market as everyone has a different angle on what to expect in the stock market at every point in time, but most of the time people’s opinion may be very confusing. The most common problem that new investors do have is how to determine good investments from the bad ones, what to invest on, what time to invest among others. Some of the questions that you need to answer so as to make a good decision when you want to invest are highlighted below.Is This a Good Time to Invest in Stocks?On the off chance that you are taking a gander at money markets amid a lofty decrease, you may think it is a terrible time to begin investing. On the off chance that you are taking a gander at it when stocks are reviving, you may think it is a decent time.Neither one of the times is fundamentally great or terrible in the event that you are investing for the long haul (10 years or more). Nobody can anticipate with any level of assurance which way the share trading system will move at any given time; yet over the long haul, stock markets has constantly moved higher. Each bear advertises is trailed by a buyer market (when stock costs rise). Verifiably, positively trending markets have endured any longer than bear markets, and the additions of buyer markets have more than counterbalance the misfortunes in bear marketsHow Much Risk Should I Take?A standout amongst the most essential fundamentals of investing is the cozy relationship amongst risk and returns. Without risk, there can be no profits. You ought to will to accept more risk on the off chance that you are looking for more noteworthy returns. In that regard, risk can be something to be thankful for, yet just in the event that you take into consideration adequate time to let the inescapable market cycles happen. By and large, in the event that you have a more drawn out venture time skyline, you ought to will to expect a more noteworthy measure of risk, on the grounds that there will be more opportunity for the market to work through the here and there cycles. Generally, understanding financial specialists have been compensated with positive long haul returns.

New investors are regularly encouraged to put fundamentally in common money, which can give moment enhancement, offering the most ideal approach to lessen risk. By putting resources into a couple of various shared assets speaking to various resource classes, (for example, expansive development stocks, global stocks or bonds), you can lessen unpredictability significantly promote without yielding long haul returns.On the off chance that you are beginning an investment program by investing incremental measures of cash on a month to month basis, you will profit by dollar cost averaging. When you invest an altered measure of cash on a month to month premise, you get some share costs at a higher cost and some at a lower cost because of market changes. At the point when the market decreases, your settled dollar sum will purchase more shares. After some time, the normal cost of your shares ought to be lower than the present market cost. By utilizing dollar cost averaging, your drawback risk will be alleviated after some time. What Is My Investment Goal?The most vital question to consider before making any invest is, “What Is My Investment Goal?” Your ventures will contrast boundlessly if, for instance, you are attempting to spare cash for retirement as opposed to attempting to spare cash for an up front installment on the house. Things being what they are, ask yourself, “Is this venture prone to help me meet my objective?” What Is My Risk Tolerance?If your investment objective is to profit as would be prudent and you can endure any hazard, then you ought to invest in the National Lottery. Putting resources into lotteries, be that as it may, practically promises you won’t achieve your venture objective. There are speculations for each level of risk resilience. But if you are not a high-risk taker, investing in long-term investment is the key.What Happens if This Investment Goes to Zero?Among the 12 stocks in 1896 stock list, only General Electric is still in operation, the other eleven firms in the first record have either gone bankrupt or have been gobbled up. There is a genuine plausibility that any investment you make could go to zero while you claim it. Ask yourself, “Will I be monetarily crushed if this speculation goes to zero?” If the answer is yes, don’t make that venture.What Is My Investment Time Frame?As a rule, the more extended your investment time allotment, the more risk you can take in your investment portfolio since you have more opportunity to recuperate from a mix-up. Likewise, in case you’re putting something aside for retirement, and you’re decades from resigning, putting resources into something illiquid (like an investment property) may bode well. “Does this venture bode well from a planning perspective?”When and Why Will I Sell This Investment?If you know why you are putting resources into something, you ought to have an entirely smart thought of when to sell it. On the off chance that you purchased a stock since you were expecting 20 percent income development for each year, you ought to anticipate offering the stock if income development doesn’t live up to your desires. On the off chance that you purchased a stock since you enjoyed the dividend yield, offer the stock if the profit yield falls.Who Am I Investing With?It is extremely hard to judge the character and capacity of anybody in light of a two-passage portrayal accessible in an organization’s yearly report or a common store outline. However, you ought to at any rate know with whom you are entrusting your money. What is their past record? Things to hope for are long fruitful track records and good dividend and turnover.Do I Have Special Knowledge?A celebrated investment expert feels that normal individuals have a tremendous favorable position over investment experts in fields where they work in light of the fact that no investment professional will ever know more around an industry than somebody who works in it. Ask yourself, “Am I putting resources into something I know something about, or am I putting resources into something that some specialist know something about?”

I couldn’t care less how great something sounds. In the event that I don’t totally see how it functions, I won’t put resources into it.In the event that an investment can’t be clarified obviously, it implies one of two things:The individual clarifying it doesn’t comprehend it either, or there’s something about the investment that the individual is attempting to stow away.On top of that, one of the greatest keys to investing admirably is adhering to your arrangement through the good and bad times.That is difficult. Indeed, even the best investment methodologies have enormous down periods that make you reconsider. Adhering to your arrangement in those extreme times requires a practically religious-like conviction that things will pivot.Furthermore, the best way to have that sort of conviction is to comprehend why you’re investing the way you are and what every bit of your arrangement is accomplishing for you. Without a solid comprehension, you’ll more likely than not safeguard at the main indication of inconvenience.Why Do I Still Own That Investment?It is a smart thought to intermittently look through your investment portfolio to ensure regardless you need to claim your stock. Offering an investment for a misfortune or offering a major champ is exceptionally troublesome. Be that as it may, the greatest distinction amongst beginner and professional investors is that professional investors don’t have passionate ensnarement with their investment and can strip themselves of their investment without kicking themselves if the investment keeps on picking up esteem.Should I Be Managing My Own Investments?It is extremely difficult for beginner investor to perform well than a professional investment expert. If you don’t have sufficient energy or slant to deal with your investment, you ought to think about paying an expert to do it for you. Every investor wants to make profit, so there is no harm in trusting your investment in good hand.

How Effective Is Weight Loss Surgery?

For severely overweight individuals that have failed to see results from diet and exercise alone, weight-loss surgery has become the safest and most effective means of achieving significant weight loss. In fact, studies have shown that with diet and exercise alone, nearly 95% of obese patients will gain all the lost weight back within 5 years. On the other hand, long-term success rates for weight-loss surgery – including the LAP-BAND procedure – are remarkably high, allowing patients to maintain a loss of between 50-70% of their excess body weight. Though there are many factors that can impact an individual patient’s weight-loss success, weight-loss surgery is simply the most effective long-term weight loss and healthy lifestyle solution for severely obese patients.Studies show that most patients that undergo weight-loss surgery will lose between 50-70% of their excess body weight within the first three years following their procedure. Those that undergo gastric bypass surgery will lose excess body weight more rapidly in the first 12 months than those that choose LAP-BAND surgery. However, gastric bypass patients typically experience a greater number of complications and side effects than LAP-BAND patients, as the LAP-BAND procedure allows for more gradual and natural long-term weight loss.From a clinical perspective, a weight-loss surgery is considered successful when the patient loses at least 50% of their excess body weight and keeps the weight off for at least five years. While important lifestyle changes need to be made to ensure that the weight loss is maintained in the long term, studies have shown that most weight loss surgery patients are able to maintain a 50-60% loss of excess body weight 10 years after the surgical procedure. However, it is important to note that a weight loss of just 10% of total body weight can begin to have positive health effects in resolution of obesity-related condition like asthma, gastric reflux (GERD), and diabetes. As weight-loss surgery is usually performed on patients that are at least 75-100 pounds overweight or have a Body Mass Index (BMI) of at least 35 with a health condition, overall weight loss can range anywhere from 40 pounds to over 100 pounds. But the patient is really the leader behind achieving these results.

While patients will certainly look and feel better after weight-loss surgery, there are also numerous health benefits associated with successful weight loss. In most cases, health conditions that develop as a result of excessive body weight or are worsened by obesity can be improved upon or, in some cases, remedied by weight-loss surgery.But there are other ways to measuring success with weight-loss surgery, like the LAP-BAND System. For instance, many weight loss surgery patients take great pride in being able to perform certain activities that may not have been possible for a number of years, like crossing their legs, bending over to tie a show, walking up stairs without being easily winded or sitting comfortably in an airplane seat.While most patients that undergo weight-loss surgery experience incredibly positive results, there are many factors that can impact the overall success of an individual patient’s procedure and follow-up treatment. Here are some important factors to consider as you try to determine whether weight loss surgery is right for you.Pre-surgery WeightGenerally speaking, the higher a patient’s pre-surgery weight or BMI, the more excess weight the patient can lose after surgery. However, recipients of weight-loss surgery with less excess body weight will eventually come closer to their ideal weight when committed to long-term diet and exercise. Also, resolution or improvement in obesity-related diseases can occur with even moderate amounts of weight. Often many diseases can become closer to cured than improved with earlier intervention at a lower weight.Overall HealthWhile pre-existing health conditions can impact the overall success of weight-loss surgery (for instance, patients with type 2 Diabetes typically lose less excess body weight after surgery), studies have shown that many ailments linked to obesity are either improved upon or fall into remission after a successful procedure. For instance, a 2000 study performed on 500 weight loss surgery patients showed that nearly 96% of health conditions associated with obesity – such as high blood pressure, depression, sleep apnea, back pain and diabetes – improved greatly following loss of excess weight and long-term commitment to diet and exercise.Surgical ProcedureAs there are potential risks and complications associated with any surgical procedure, potential patients should always seek to have their weight-loss surgery performed by a trusted medical staff. Prospective patients should inquire about their surgeon’s success rates with weight-loss surgery and listen to the experiences of former patients. Additionally, a patient’s weight-loss success may also be impacted by the quality of post-surgery care and counseling provided by their bariatric outpatient facility.Diet and ExerciseAs diet and exercise are two of the most important factors in any weight loss plan, patients with the physical ability to exercise after weight-loss surgery have increased chances of meeting their goals. To maintain the weight loss achieved by surgery, both exercise and healthy eating habits must become integral parts of a patient’s lifestyle.

CommitmentThe ability to remain committed to suggested dietary guidelines, exercise regimens and any follow-up care recommended by the bariatric outpatient facility is important for both short-term weight loss and long-term weight management.MotivationPatients that are motivated to lose weight and willing to follow through with diet and exercise prior to receiving weight loss surgery may experience greater levels of success immediately following the procedure and in the long term. Most people did not find themselves severely obese overnight. It took years to reach that weight and therefore patients should be patient with the weight-loss process, which will also not occur overnight. Successful patients find small victories along the way to celebrate and stay motivated.SupportAs weight-loss surgery will require some time away from everyday activities, it is important to have the support of family, friends and coworkers before undergoing any surgical procedure. Furthermore, as the ongoing weight-loss process following bariatric surgery may require a certain level of emotional support, prospective patients may want to establish a support network – including friends and family members that can join in on exercise and healthy eating.Considering that significant weight loss can not only remedy many health concerns, but also improve an individual’s quality of life, the potential benefits of weight-loss surgery are plentiful. For severely overweight individuals that are unable to lose weight via diet and exercise alone, weight-loss surgery is the most effective method of losing weight – and keeping the weight off.

How To Code A Ruby on Rails Web Application

Ruby on Rails is a web application framework.

Rails is the framework, Ruby is the language.

Designed by David Heinemeier Hansson in 2005, it’s become renowned in the Internet startup world for its adoption by some of the leading “startups” of our time, including Stripe, Uber and Groupon.

If you want to learn to program in Ruby on Rails, this tutorial should give you an overview of what to do. I won’t go into specifics because I just want to give you an idea as to the structure of an application. If you follow what I propose, you should more fully understand how these applications work.

Web Applications

All software applications work in the same way -

  • Data is inputted
  • Data is processed
  • Data is outputted

The way the data is inputted and processed is dependent on the platform your application runs on. How it is outputted depends on your application.

The difference with web applications is that their logic runs on a server, with the data IO being passed through the Internet (specifically, the HTTP protocol).

The complication of web apps is that you require the ability to accept inbound data, and return responses. This is handled by a web server program (NGinx or Apache). I’ll explain this in a minute.

Software Stack

When you create a piece of software, you have to consider the “stack” on which it runs.

The “stack” is all the software required to run your application. In the world of desktop games, for example, the “stack” may include the likes of DirectX or a particular graphics driver.

The main hold-back for would-be web application developers is understanding how the “web” software stack works. Web works similarly to native applications, except for one distinct difference – stateless.

The “Internet” operates under the HTTP protocol. By nature, this is known as a “stateless” protocol – each request you send is considered independent to the last. Unlike stateful protocols (which retain state), stateless protocols have to rebuild the application’s state each time.

Whilst this means nothing to most people, the point is that if you’re going to develop a web based application, you need to use a framework or technology set which makes the stateless nature of HTTP as integrated as possible. Most pertinently, you need an authentication system which rebuilds the user’s session on every request (I’ll explain this in a second).

Ruby vs PHP

Ruby (the language) is akin to PHP – they are both procedural and both are used heavily on the Internet.

The main difference between Ruby and PHP is that PHP is accessed directly on the client-side, Ruby needs a proxy.

Applications such as WordPress are built with PHP because it’s free, open source and can be run on any LAMP (Linux Apache MySQL PHP) server (which is basically all of the shared hosting in existence).

The point with Ruby is that it is a LOT more temperamental than PHP – it requires running processes to help it operate and can often fail to start if any issues arise.


To get started, you need three things:

  • An IDE (Integrated Development Environment)
  • A Ruby-Compatible Web Server (Heroku)
  • Ruby, Rails & GIT Installed On Your System

I’ll explain how it works.

An “IDE” is a text editor with the ability to discern the code you input. I currently use Atom (free) from Github. You can download it from

The IDE allows you to write the code. Whilst you’re free to use a standard text editor (Notepad or Notepad++), it’s much better to use a system such as Atom or even Visual Studio, as to gain the full functionality of the language (linting etc).

From here, you’ll also need to install Ruby, Rails and GIT on your development system. Ruby is the programming language (nothing works unless you have it), Rails is the framework which allows us to build the web based application, and GIT is the SCM (Source Code Management) system we will use to push our code to our server.

For server technology, the easiest is to use Heroku ( – a completely managed system. You can get started for free, with upgraded capacity, speed etc added at extra monthly cost. If you’re comfortable setting up your own server, you may wish to use the likes of DigitalOcean.

It must be noted that shared hosting does not work for Ruby based applications. You not only need GIT access (typically through SSH) but the server is also required to run Ruby as a running process. This cannot be done with shared hosting (unfortunately).

Installing Ruby & Rails

The first step to programming a RoR application is to install Ruby & Rails on your system.

Whilst there are different ways to do this, depending on which platform you’re running (Windows/Linux etc), there is a core set of steps to follow:

  1. Install Ruby
    This is done either from source, or by using a pre-compiled version. If you’re using Windows, you will need to install each component separately.
  2. Install RubyGems
    This is the base set of protocols which allows you to download all the extra libraries for Ruby – the “gems”. These gems are used to provide swathes of functionality for Ruby web development. Part of what made Ruby extremely attractive in the first place was this extensive set of extensible functionality. Rails is a gem, for example.
  3. Install Build Tools
    In Unix systems, you’ll want to install the “build essential” library, Windows will require installing the MSYS2 toolset. Both of these provide the system with the necessary tools to compile the myriad of self-building gems (such as MYSQL2 and RMagick).
  4. Install Rails
    After this, you can run “gem install rails” to get rails installed. This will place all Rails’ binaries onto your system, giving you the ability to develop with the framework.
  5. Install an IDE
    An IDE (Integrated Development Environment) is the software used to input code into the system. Whilst they are just glorified text editors, they do give you such functionality as linting, code highlighting etc. We use Atom but you can also use Sublime Text or a swathe of thers. If you feel confident, you may just want to use Notepad.
  6. Install GIT
    GIT is an SCM (source code management) system. It gives you the ability to create a “repository” and push it to an external web server. This technology / technique is basically like FTP on steroids, and is the primary way that Ruby code is “pushed” to servers. You have to download GIT separately on your system (from
  7. Start Coding
    With the above installed, you just need to start coding. To do this, you need to browse to a new folder, load up CMD and type “rails new [[app name]]”. After pressing “Enter”, the standard application files will be placed onto the hard drive, allowing you to edit them and test them on a local server. This is the start of your application.

Getting Started

Without getting into specifics, the key thing to remember with Rails applications is that they are “done for you”.

Rails has a convention called “convention over configuration”. This means that the Rails framework has been designed to give you as complete way as possible to build and deploy a web based application.

The framework is known as an “MVC” model framework (model, view, controller) – which means that each time you send a request to the application, it uses a combination of a “model”, “view” and “controller” to build a response.

As such, when you create the new Rails application on your system, you will quickly see a large number of folders. The only ones which matter (in the beginning) are those located in the /app directory.

In here, you’ll see the likes of “assets”, “views”, “models” and “controllers” folders. If this means nothing, don’t worry. I’ll explain the basis of how it all works here.

MVC has been around for many years.

It works in the same way for every implementation:

  • When an application receives a request, it routes the request to a controller
  • The controller then pulls data from the model (which talks to the database) and puts it into a view
  • The view is returned to the user

In the case of Rails, the “view” is an HTML file populated with the data from the model. For example, you may have the following basic setup for a simple “hello world” application:


root “application#show”


class ApplicationController < ActionController::Base

def show

@name = User.first




Hello <%= @name.first %>


class User < ActiveRecord::Base

# connects to the DB

# has schema of id | first | last | dob | created_at | updated_at


The above will allow you to send a request to “” and should receive the first name of the first database user.

Pushing To A Web Server

The final step to getting set up is to push to a live server.

Whilst you can use a VPS of your own (it has to be a VPS because shared hosting does not have SSH access, nor supports Ruby applications), the simplest and most effective way to get started is to just use Heroku.

We still use Heroku for staging server purposes (when you publish a web application, it’s recommend you use a “staging” server to test the application, and a “production” server to host the application publicly). I’ve made many mistakes before by cutting out the development server.

To push to a Heroku server (free), I’ll briefly explain the process:

  1. Open a Heroku account (I think you may need to provide card details – don’t worry, they don’t charge for their free tier. It’s to validate your identity so you don’t make illegal sites)
  2. Create an “app” in their dashboard
  3. Click onto the app – you’ll be given a “git” URL
  4. Copy this URL and head back to your Rails application
  5. In CMD, type “git add remote heroku [[heroku link]]” (replace [[heroku link]] with the git URL Heroku gave you)
  6. Press enter
  7. Now, package up your application (git add.) (git commit -am “First Push”)
  8. After inputting these lines, type “git push heroku master” and press Enter
  9. You’ll have to enter your credentials – do this and the repo should be sent to Heroku
  10. After this, Heroku will build the application and “deploy” it on its own namespace ([[app-name] herokuapp com)
  11. Browsing to this namespace will show you the app

After doing this, it’s up to you to then manage your deploy protocol in your own way etc. I would strongly advocate using Heroku for staging environment servers; you’ll likely want to use such services as DigitalOcean for production.

Further Developments

Of course, web application development is moving forward constantly.

Due to the extremely low barriers to entry (free) and the breadth of resources available, many people are drawn to Ruby on Rails development.

However, don’t let it fool you. The scope for earning decent money from this profession is entirely dependent on two factors – your skillset/ability, and your access to a market.

Unfortunately for many would-be developers, their epic dreams of creating the next Groupon / Stripe etc are shattered when they enter the “real world” — where clients don’t care about the code you use and just want the cheapest solution that barely works.

The key for any Rails developer is to keep investing into their programming skillset, even with other languages. Ruby spoils many developers because of its simplicity. Moving higher up the programming value chain (into the realms of C / C++ etc) open up a lot more stable positions.

It is therefore my recommendation that you continually push yourself to look at new UI ideas, new ways of doing things and generally improving your skillset as required. Attend hackathons, meet other developers and generally improve your exposure to the computing industry. This should present opportunities for you as you develop.

Transportation Logistics To Fit Your Needs

Not only businesses, but sometimes people also, require the fast and efficient shipment of different packages, which can be time consuming, difficult and rather expensive, especially when trying to manage the supply chain for international shipments, when trying to deliver hazardous packages or objects with odd shapes. That is why many people choose to entrust this task to transport logistics company, that can manage the supply chain, offer various shipping services (overland, air and ocean freight, charter, intermodal, warehousing), as well as other services such as customs brokerage, consulting (finding the right shipping strategy, developing a logistical plan to save you time and money, customized logistic solutions).In this article, we are going to talk about a few of the options a transport logistic company can offer and how they can make your life easier. There are a lot of companies that focus on this industry, so it is important to understand your options in order to make the best choice possible.

The majority of these companies offer a full package of services, like those we mentioned before. However, there are some companies that are active in the transportation logistics field, but offer only a part of these services, making it important for you to determine just how many of them you truly need.We are going to begin with the courier services offered by transportation logistic companies. Many of them are resellers of courier services, meaning that letter services can sometimes be smaller than those of the original courier service.Now we are going to talk about the air freight service, a service offered by many transportation logistics companies and requested by many clients. Let’s say you have to urgently send a package and you don’t want to spend the big amounts of money by sending it overnight with FedEx or UPS. If sending it is so urgent that using an overland delivery is out of the question, the only choice is to send it by air freight. Many transport logistics companies can send your package via air cargo. They are going to place your package on the cargo flight that are scheduled to take off, but are not already full. This way, you can make sure that even the most heavy of packages reaches its destination, however far away it may be.A third service that is highly requested, due to the fact that it has proven to be one of the most cost efficient of all delivery methods, is ocean transit. However, if you rely a great deal on the timeliness of the delivery, sending packages through ocean cargo shipments may prove inefficient, because ocean shipment depend a great deal on weather conditions, the chosen route and other factors.

Lastly, we are going to talk about charter. If you company needs to make shipments that are very large, the most practical and cost efficient solution may be renting a chart. Many transportation logistics companies have connections with charter shipping partners and can facilitate such a process, allowing their clients to save great amounts of money.If you want to find out more about other services, such as intermodal deliveries, warehousing or customs brokerage, don’t hesitate to go on the sites of transportation logistics companies and make an extensive research.