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<title>Melanie's Articles</title>
<link>http://www.articlealley.com</link>
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<webMaster>editorial@articlealley.com</webMaster>
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<title>Why Buying Lingerie is Easier Online</title>
<description>It happens; even the best lingerie wears out. So you have to make a day to go try on some more. You need a baby-sitter first of course; otherwise the baby or toddler will be sure start crying for attention just when you are in a state of undress in the fi...</description>
<link>http://www.articlealley.com/article_220207_34.html</link>
<pubDate>27th September 2007</pubDate>
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<title>Nokia N73 - Cool Features</title>
<description>For a mobile phone that does everything except make your coffee, choose the Nokia N73. It has so many cool features that your friends will drip green envy juice when they see you with one. The 3.2 megapixels camera is only a fraction of the additions to t...</description>
<link>http://www.articlealley.com/article_220144_45.html</link>
<pubDate>27th September 2007</pubDate>
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<title>Full credit to dividend franking</title>
<description>At The Intelligent Investor we simply adore dividends. They may not be very sexy, but in a corporate world littered with half-truths and empty promises—and that's the good bits—dividends do at least provide a bit of black and white. A company can eith...</description>
<link>http://www.articlealley.com/article_219414_63.html</link>
<pubDate>25th September 2007</pubDate>
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<title>How to Brew Great Coffee</title>
<description>If you think it's hard to brew great coffee, think again. The main factor in the taste of coffee is actually whether it is fresh or stale. Coffee beans will go stale quickly and ground coffee even more so, so only buy what you will use in a week. Keep it ...</description>
<link>http://www.articlealley.com/article_218743_26.html</link>
<pubDate>25th September 2007</pubDate>
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<title>Types of Coffee</title>
<description>Coffee comes from two main beans, robusta and arabica. Both are grown in equatorial regions of the world, with the arabica grown at a higher altitude than the robusta. Robusta has the highest yield and largest amount of caffeine, but accounts for only abo...</description>
<link>http://www.articlealley.com/article_218816_26.html</link>
<pubDate>25th September 2007</pubDate>
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<title>Cool Clothing Accessories</title>
<description>Everyone wants to be at their fashion coolest with the latest clothing accessories. Handbags are designed to make a fashion statement these days so make sure you have one to suit every outfit. You may go for the leather-fringed or patched look or perhaps ...</description>
<link>http://www.articlealley.com/article_219377_34.html</link>
<pubDate>25th September 2007</pubDate>
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<title>The beauty of book value</title>
<description>In the fourth instalment of our value investing series, we get down to the nuts and bolts of valuation.In the second instalment of this series, in issue 198/Apr 06, we saw that shares are worth the present value of the future cash they can gen...</description>
<link>http://www.articlealley.com/article_219380_19.html</link>
<pubDate>25th September 2007</pubDate>
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<title>A fresh spin on the supercycle</title>
<description>There's an important distinction between a supercycle for commodities and a supercycle for resources stocks.With a heading like 'Resources mania or mining supercycle?', a small piece in issue 197/Apr 06 was always likely to polarise opinion, a...</description>
<link>http://www.articlealley.com/article_218872_63.html</link>
<pubDate>25th September 2007</pubDate>
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<title>Features of Coffee Machines</title>
<description>When you go to buy a coffee machine there are some features that you can do without and some that you may consider necessary, depending on your personal preference and lifestyle. If you are an early riser and prefer not to have that blinding light on firs...</description>
<link>http://www.articlealley.com/article_216591_26.html</link>
<pubDate>21st September 2007</pubDate>
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<title>Greed, fear and the art of skiing</title>
<description>What do value investing and skiing have in common? They both require you to overcome your natural instincts.If you've ever sampled the subtle delights of skiing—and the all too frequent and rather less subtle delights of landing on your back...</description>
<link>http://www.articlealley.com/article_217113_19.html</link>
<pubDate>21st September 2007</pubDate>
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<title>Latest Must-Haves for Summer</title>
<description>It's official; the latest must-haves for summer are accessories. The most important accessory for a woman is her handbag. Must-have is the large shoulder bag with just a touch of beadwork. If you're still in your teens, make it a glitzy metallic with lots...</description>
<link>http://www.articlealley.com/article_216614_34.html</link>
<pubDate>21st September 2007</pubDate>
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<title>Basic jargon explained</title>
<description>Confused by some commonly-used investment terms? These explanations should help you out.New investors often find financial terminology quite daunting. The problem is exacerbated by some brokers and financial planners who, deliberately in our v...</description>
<link>http://www.articlealley.com/article_216149_19.html</link>
<pubDate>21st September 2007</pubDate>
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<title>Danger in dividend yields</title>
<description>A high dividend yield can indicate there's value in a stock, but there are plenty of traps for the unwitting investor.If you're anything like us, you probably enjoy running your eye down the dividend yield column of your favourite financial pa...</description>
<link>http://www.articlealley.com/article_217182_19.html</link>
<pubDate>21st September 2007</pubDate>
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<title>Gross profit margins explained</title>
<description>Don't know margins from margarine? Then make this article your bread and butter.We promised a closer look at the topic of gross profit margins in our review of small retailers last issue. It's a fascinating and important topic to explore and o...</description>
<link>http://www.articlealley.com/article_217194_19.html</link>
<pubDate>21st September 2007</pubDate>
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<title>Margin Lending explained</title>
<description>Borrowing to buy shares is very popular, especially with those banks and brokers trying to sell you the loan.Ever thought of borrowing to buy shares? If our subscriber queries are anything to go by, using debt, usually in the form of a margin ...</description>
<link>http://www.articlealley.com/article_217073_19.html</link>
<pubDate>21st September 2007</pubDate>
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<title>The case for more cash</title>
<description>With value hard to find, it makes sense to be patient and reserve some firepower for the future.In the world of investment, some arguments are as old as the hills; and none more so than the amount of cash to hold in your portfolio. Some stick ...</description>
<link>http://www.articlealley.com/article_217084_19.html</link>
<pubDate>21st September 2007</pubDate>
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<title>The power of incentives</title>
<description>To the man with a hammer, every problem looks like a nail. But the power of incentives is a lot more pervasive than that.'Well I think I've been in the top 5% of my age cohort all my life in understanding the power of incentives, and all my li...</description>
<link>http://www.articlealley.com/article_216084_19.html</link>
<pubDate>20th September 2007</pubDate>
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<title>What to Look for in an LCD Screen</title>
<description>When you have decided to buy a television with an LCD screen there are two main things to look for. One is the number of native pixels, which should be at least 1280x720 for good clarity. The most desirable count is 1920x1080, but that is only on the larg...</description>
<link>http://www.articlealley.com/article_216095_45.html</link>
<pubDate>20th September 2007</pubDate>
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<title>Valuing a bond</title>
<description>Looking for a meatier Investor's College article? Grab a calculator and sink your teeth into this one.Valuing a bond might seem like a strange topic for a stockmarket publication. But there are some very good lessons and analogies for share in...</description>
<link>http://www.articlealley.com/article_216100_19.html</link>
<pubDate>20th September 2007</pubDate>
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<title>Dealing With Peer Pressure</title>
<description>When your peers try to make you do something that you don't want to do, how can you get out of it without feeling embarrassed? If you can't; just remember that being embarrassed is better than being in trouble with the police or your parents. Meanwhile, h...</description>
<link>http://www.articlealley.com/article_210721_27.html</link>
<pubDate>03rd September 2007</pubDate>
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<title>How to Get Emo Hair</title>
<description>You can't be truly Emo without the right hairstyle. Emo hair started out black and short, covering half the face, but it has evolved into colours. The password is individualism. This means that you can have totally blonde hair down to your waist, short, b...</description>
<link>http://www.articlealley.com/article_209098_34.html</link>
<pubDate>30th August 2007</pubDate>
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<title>The Cooeey guide to Anzac Day</title>
<description>Anzac day is a very special day for every Australian, and is held on the 25th of April.

So, "what is the significance of the day?" you might ask.

History of Anzac Day

Anzac day signifies the first day of major military action which involved the A...</description>
<link>http://www.articlealley.com/article_206607_22.html</link>
<pubDate>26th August 2007</pubDate>
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<title>Learn to be a better investor</title>
<description>As with any pursuit, becoming an expert investor requires 'deliberate practice' and a lot of hard graft. 

No-one in their right mind would think they could compete on the PGA Tour by reading the sports section of the paper and knocking a few golf balls...</description>
<link>http://www.articlealley.com/article_204630_19.html</link>
<pubDate>22nd August 2007</pubDate>
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<title>Cyclicals, turnarounds and asset plays</title>
<description>To get the best from your portfolio, you need to know your stocks. Here's how one great investor splits them up. 

In One Up On Wall Street, the famous American investor Peter Lynch described how he split stocks into six categories. Last issue we looked...</description>
<link>http://www.articlealley.com/article_204127_19.html</link>
<pubDate>21st August 2007</pubDate>
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<title>Expensive lessons from cheap credit</title>
<description>The tide has turned in debt markets. We're about to find out who's been swimming naked. 

The events of the past few months deserve reflection. Hank Bloggs – a citizen of the United States who never should have been lent money to start with but though...</description>
<link>http://www.articlealley.com/article_204087_19.html</link>
<pubDate>21st August 2007</pubDate>
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<title>Why investing is a loser's game</title>
<description>The way to achieve great returns from investing is to keep things simple and avoid making mistakes. When was the last time you played noughts and crosses? Probably a while ago, because it can be pretty tedious once you get the hang of it. It's an easy gam...</description>
<link>http://www.articlealley.com/article_204067_63.html</link>
<pubDate>21st August 2007</pubDate>
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<title>Watch out for low-PER 'value traps'</title>
<description>If you think a low PER means 'cheap' and a high one means 'expensive', be careful. It ain't always so.

Hands up. Have you ever made a list of all stocks trading on low PERs from the newspaper? Don't be shy, because many of us have. From the beginning o...</description>
<link>http://www.articlealley.com/article_203176_63.html</link>
<pubDate>17th August 2007</pubDate>
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<title>Build your own financial fortress</title>
<description>A few simple rules will help you establish and maintain a fortress to keep you financially independent.

For all the peripheral reasons one might get involved in investing, the foremost priority is almost invariably to accumulate wealth. Obviously, goal...</description>
<link>http://www.articlealley.com/article_203150_63.html</link>
<pubDate>17th August 2007</pubDate>
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<title>A glossary of financial jargon</title>
<description>Confused by some commonly used investment terms? Our new glossary should help you out. 

The world of finance is full of jargon. Partly this is because, as with most things, there are similar concepts that keep repeating, so it's easier to have a conden...</description>
<link>http://www.articlealley.com/article_203058_63.html</link>
<pubDate>17th August 2007</pubDate>
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<title>More Costs to Plan for When Purchasing a Property</title>
<description>Apart form the Stamp Duties, legal fees and various searches that you may need to do, there are yet more costs to factor in to your budget when purchasing a property. This may seem like bad news, yet they are there for your protection and could save you m...</description>
<link>http://www.articlealley.com/article_195447_33.html</link>
<pubDate>01st August 2007</pubDate>
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<title>Dazzled by dividend dates?</title>
<description>If you've ever been confused by the array of dividend dates, you're certainly not the only one. Here's how they all fit together.

Ex date, record date, books closing date, payable date: dividends seem to have almost as many dates as you'd find at Sydne...</description>
<link>http://www.articlealley.com/article_187591_63.html</link>
<pubDate>23rd July 2007</pubDate>
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<title>Yesterday's dog, tomorrow's darling</title>
<description>The market's expectations about a stock swing around much more wildly than its underlying value.

In the first instalment of this value investing series back in issue 197/Apr 06, we noted that 'for some, [value investing is] all about buying shares on l...</description>
<link>http://www.articlealley.com/article_187548_19.html</link>
<pubDate>23rd July 2007</pubDate>
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<title>The delights of dividends</title>
<description>A company's dividend yield and cash flow provide useful cross-checks on the PER.

In the sixth instalment of this value investing series, last issue, we saw how the earnings of a company could be split into two elements: one that appears in the form of ...</description>
<link>http://www.articlealley.com/article_187540_19.html</link>
<pubDate>23rd July 2007</pubDate>
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<title>Don't leave risk to chance</title>
<description>Despite what many would have you think, managing risk is less about ticking boxes and more to do with recognising the extent of your knowledge.

Financial planning these days – at least as practised in some quarters – can be a peculiar business. You...</description>
<link>http://www.articlealley.com/article_187538_63.html</link>
<pubDate>23rd July 2007</pubDate>
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<title>Weighing up the cost of capital</title>
<description>A company's cost of capital is one of the most enigmatic areas of economics – absolutely crucial to understand but absolutely impossible to pin down.

There are two basic ways that a company can obtain finance. It can either borrow it (debt) or raise ...</description>
<link>http://www.articlealley.com/article_187158_63.html</link>
<pubDate>20th July 2007</pubDate>
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<title>Getting to grips with PERs</title>
<description>Like any good mathematical formula, the price-to-earnings ratio, or PER, is simple yet powerful.

In this publication we try to shelter you from as much unnecessary mathematics, jargon and financial-speak as we can, but the price-to-earnings ratio, or P...</description>
<link>http://www.articlealley.com/article_187144_19.html</link>
<pubDate>20th July 2007</pubDate>
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<title>Looking at Libya and accounting lies</title>
<description>Big bath accounting is accepted as a fact of life by most analysts. But what is it and how should it be treated?
Well travelled readers may be familiar with the ancient city of Leptis Magna (pronounced Lepcis Magna). It was located on the Mediterranean S...</description>
<link>http://www.articlealley.com/article_183283_19.html</link>
<pubDate>05th July 2007</pubDate>
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<title>Bad stocks and boom times</title>
<description>It's counterintuitive, but investors need to be most cautious when business conditions are booming.

In Common Stocks and Uncommon Profits, a book written amost 50 years ago, Phil Fisher made a point that resulted in an epiphany for this analyst when he...</description>
<link>http://www.articlealley.com/article_183274_19.html</link>
<pubDate>05th July 2007</pubDate>
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<title>The minefield of insolvency</title>
<description>Stepping on some of these fourteen corporate landmines has proved unlucky for many a company.

In last issue's Investor's College, we discussed the fact that corporate insolvencies aren't normally the result of a sudden misfortune. Instead, they tend to...</description>
<link>http://www.articlealley.com/article_183272_15.html</link>
<pubDate>05th July 2007</pubDate>
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<title>Finding the free cash</title>
<description>The bottom line on corporate metabolism comes down to the cash that flows out for shareholders.

In the first two episodes of this three-part series on corporate metabolism, we looked at how a low return on equity could slow down the flow of cash throug...</description>
<link>http://www.articlealley.com/article_182876_15.html</link>
<pubDate>05th July 2007</pubDate>
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<title>Two great stocks for about $2</title>
<description>Here we take a look at two great $2 stocks to illustrate an important point that many investors miss.

In this article we'll discuss two stocks that we think have great future prospects. We'll reveal their names later but, for now, will refer to them si...</description>
<link>http://www.articlealley.com/article_182852_19.html</link>
<pubDate>05th July 2007</pubDate>
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<title>Golden rules for losing money 2</title>
<description>Following last issue's article, here are more great ways to blow your hard-earned savings.

As we said last issue, to make money, sometimes it's better to first concentrate on not losing it. With that in mind, here's the second part of our series, with ...</description>
<link>http://www.articlealley.com/article_182808_63.html</link>
<pubDate>05th July 2007</pubDate>
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<title>Golden rules for losing money</title>
<description>In the first of two articles, here we explain the classic investment mistakes that, to be successful, you should avoid at all costs.
Investing successfully poses many challenges. In these pages we aim to show you some of the techniques that can help you ...</description>
<link>http://www.articlealley.com/article_181271_19.html</link>
<pubDate>01st July 2007</pubDate>
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<title>Debt demystified</title>
<description>For a business, using debt can be a bit like putting your foot down on the accelerator. The chances are that you'll get to where you want to go a little faster but if something goes wrong, the consequences are more likely to be serious. Since we have an u...</description>
<link>http://www.articlealley.com/article_179857_15.html</link>
<pubDate>01st July 2007</pubDate>
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<title>Avoiding Ten's trapdoors</title>
<description>Analysing Ten Network is much tougher than it might first appear. Here we step through a couple of the issues.

As value investors, we attempt to consider every stock from a business perspective. When doing so, we often find it helpful to look at the 'b...</description>
<link>http://www.articlealley.com/article_179849_15.html</link>
<pubDate>01st July 2007</pubDate>
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<title>Banking explained</title>
<description>Most subscribers own banking stocks, so let's examine how banks work and what drives their profits.

The Romans did more than popularise bloodsports and central heating. They also pioneered a banking network that extended throughout much of Europe, Asia...</description>
<link>http://www.articlealley.com/article_179841_19.html</link>
<pubDate>01st July 2007</pubDate>
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<title>The ins and outs of PERs</title>
<description>It's time to discuss an often over-used and much misunderstood yardstick.

There are two types of people who read The Intelligent Investor; those who know what the letters 'PER' stand for and those who skip over them and hope they're not too important. ...</description>
<link>http://www.articlealley.com/article_179826_15.html</link>
<pubDate>01st July 2007</pubDate>
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<title>New Words for 2007</title>
<description>- SALAD DODGER : An excellent phrase for an overweight person.

- SWAMP-DONKEY : A deeply unattractive person.

- TESTICULATING : Waving your arms around and talking bollocks.

- BLAMESTORMING : Sitting round in a group, discussing why a deadline wa...</description>
<link>http://www.articlealley.com/article_179139_22.html</link>
<pubDate>29th June 2007</pubDate>
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<title>Are you a healthy weight?</title>
<description>In the world of today, the pressure to be skinny is an almost constant force on some teenager's lives. Everything from fat taunts in high school to fashion and cinema push an increasingly unrealistic weight on normal, healthy people.

As a small courtes...</description>
<link>http://www.articlealley.com/article_179127_23.html</link>
<pubDate>29th June 2007</pubDate>
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<title>A Cooeey guide to Chavs</title>
<description>What is a Chav? What does a Chav do? Where do Chavs live? The topic of Chavs has been raised a number of times on the MySay forum, especially by our users in the UK. So, as a service to those who are Chav-ignorant, or those who simply haven't gotten aroun...</description>
<link>http://www.articlealley.com/article_179121_35.html</link>
<pubDate>29th June 2007</pubDate>
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