The basic terms you need to know when considering short selling are shorting, covering, and margin.   Shorting is the process of selling stock short. When you short a stock, you sell stock that you borrowed from your broker at a set price. You are making an informed guess that you will be able to re-buy that same stock later at a lower price, thus making a profit.   Covering happens when you close the short sale transaction. Because your broker only loaned you the stocks to short, you must eventually buy back enough shares of the stock to cover the stocks you were loaned.  Margin is the way you purchase stocks to be sold short. When you buy on margin, you borrow funds from your broker and use the stocks bought or sold short as collateral for the loan. If you have a financial adviser already, consult with him/her to discuss what investment options are right for you. Short selling is an aggressive and risky investment strategy. Depending on your individual circumstances and investment goals, short selling may not be a good strategy for you. Your financial adviser will be able to tell you whether short selling is a good strategy. S/he may also be able to recommend ways to pair short selling with other strategies to reduce your risk. Short selling can result in a pretty profit if your research is correct. Consider the following example: you, the investor, want to “short” 100 shares of XYZ Company stock. This stock is currently trading at $20 per share. You contact a broker, open a margin account with a minimum cash deposit of $2000, and borrow 100 shares of XYZ from the broker. You sell these shares short so that the $2000 proceeds are credited to your margin account.  After you sell the shares, you wait for the price of the stock to drop. After a disastrous third-quarter earnings report, the stock price of XYZ Company drops to $15 per share. You buy 100 shares of XYZ Company at $15 to “cover” your initial speculation. You then have 100 shares to give back to the broker who lent you the stock in the first place. This is the process known as “covering” your short.  Your profit is the difference in the price when you sold the shares and when you bought them back (or "covered" them). In this instance, you sold XYZ Company stock at $2,000 and covered at $1,500. You made a profit of $500 by shorting XYZ Company stock. This profit, added to the $2000 cash deposit you originally made, gives you $2500 in your margin account. Short selling is much riskier than going long. When you go long, you speculate that the price or value of an investment is going to go up. If you buy 100 shares of JKL Company at $5 per share on a long position, the most you can lose is 100 percent of your investment, or $500. The amount you can gain, on the other hand, is unlimited, because there's no upper limit to how high a stock price can go. That means there's a limited downside and an unlimited upside.  With short selling, the opposite is true. There's a limited upside and an unlimited downside. You can profit only in proportion to how low the investment drops, which is finite. However, you lose money in proportion to how high an investment rises. Investments like stocks have potentially unlimited share prices. For example, return to the XYZ Company example from the previous step. Let's say you buy 100 shares of XYZ at $20 per share and sell them immediately, just as before. The proceeds of the sale ($2000) are deposited into your margin account. When added to the cash deposit of $2000 you were required to make when you opened the margin account, the proceeds make a total of $4000 in your margin account. Then, you wait for the price of the stock to drop so you can cover your shares. However, this time, XYZ Company's stock doesn't drop. Somehow, the company turns itself around and its share price jumps to $3. You decide to cut your losses, so you buy 100 shares at $30 to “cover” before the stock rises any more. You return the borrowed stock to the broker and close the margin account. Because you had to pay $3000 to cover your borrowed stock, you wind up with a net loss of $1000 -- one half of your initial $2000 deposit.

Summary: Learn some basic terms. Talk with your financial adviser. Consider the benefits. Consider the risks.


This part of the logo is the one added below both Dragon Ball word art.

Summary: Draw 10 small circles slightly apart from one another. As reference,  you can use a Japanese katakana characters shown in http://www.omniglot.com/writing/japanese_katakana.htm to familiarize yourself with the symbols used in the Dragon Ball logo. Draw the Japanese characters in the correct order. Draw the Dragon Ball Z logo with the dragon logo over the encircled Japanese text. Outline the drawing and remove the sketch marks. Add color.


Place the skateboard on it's side, then loosen the nut in the center of the wheel until it comes off. Make sure your wrench fits snugly on the nut to avoid damaging it. by prying them out of the wheel. Lodging a screwdriver or other long metal tool in the center of the bearing, slowly add downward force to the bearing until it slides out.  Depending on how old they are, the bearings may not come out immediately. If your wheels have been spinning poorly or making noise, you may need new bearings. Slide the bearings back on the axle the way they came off. If they are dirty or sticky, use a rag to clean them off before moving on. Push them so that the bearings slides smoothly into the center of the wheel. You want to tighten the nut just enough so that the wheel has a little "play," meaning it can wiggle back and forth a small amount. Tighten the rest of the nuts over you new wheels, and you're ready to start skating again.

Summary: Remove the old wheels using a combination wrench. Remove the bearings Return your bearings to the axle. Put on your new wheels. Tighten the nut on top of the new wheel.


When you have to bury a loved one, there are many choices that you have to make. Picking the right stone is an important decision. Take some time to think about the stone that is right for the situation.  First, choice the type of marker you want. You can look for upright, flat, or obelisk markers. Choose your material. Markers come in a variety of materials, such as marble, sandstone, and granite. Granite is cost effective and very sturdy. Talk to the cemetery. Check the regulations about size and type of marker before you make a purchase. There may be guidelines you need to follow. Gravestones do not require regular cleaning. Although it might seem natural to want to frequently clean the stone, resist the urge. Instead, you should clean the stone approximately 18-24 months. Some will require even less frequent cleanings.  Write down the date each time you clean the stone. This will help you prevent over cleaning. Talk to the cemetery about maintenance plans. Some sites may offer service plans. They will take care of the cleaning for you. In addition to properly maintaining the gravestone, there are other ways that you can honor your loved one. Consider decorating the grave site. Doing so can help you feel connected to the departed.  You can leave flowers near the headstone. This is especially nice to do on holidays, anniversaries, or birthdays. You can also leave small mementos at the burial site. For example, a baseball for a sports fan. Ask the cemetery for a list of regulations. Some materials may not be allowed to be left behind.
Summary: Choose the right stone. Keep a record. Decorate the area.