 Sabian 11807 18in Medium Thin Crash HH Natural Cymbal US $319.00 
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 Sabian XS1607B 16in Medium-Thin Crash Brilliant Cymbal US $129.00
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 Meinl Byzance Medium Thin Crash Cymbal - 16" - 1140 grams - VIDEO! Free Shipping US $219.00
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 STAGG 16" Dual Hammered Exo Medium Thin Crash Cymbal - Dynamic overtones US $119.95
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 Paiste Signature Series Full Crash Cymbal 16" Medium thin CY0004001416 US $301.94
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 18" Zildjian Medium Thin Crash Cymbal-FREE UPS Ground US $224.95
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 16" Zildjian Medium Thin Crash Cymbal-FREE UPS Ground US $189.95
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 STAGG 17" Classic Turkish Style Medium Thin Crash Cymbal superb low frequencies. US $124.95
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 NEW 18" WUHAN MED. THIN CRASH CYMBAL US $79.00
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 Zildjian 16" Medium Thin Crash & 17" Thin Crash Tarnished Effect Video Clips!! US $39.00
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 STAGG 18" Classic Turkish Style Medium Thin Crash Cymbal fast response US $149.95
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 STAGG 18" Dual Hammered Exo Medium Thin Crash Cymbal - Dynamic overtones US $149.95
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 Stagg 16" Dual Hammered Medium Thin DH Exo Crash Cymbal DH-CMT16E US $110.99
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 STAGG 19" Classic Turkish Style Medium Thin Crash Cymbal superb low frequencies. US $164.95
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 Zildjian 18" A Armand Medium Thin Crash A8012 US $259.95
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 Meinl B17MTC 17" Byzance Medium Thin Crash Trad. Finish US $249.99
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 Zildjian 16" A Armand Medium Thin Crash A8010 US $219.95
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 SABIAN AA 16" Medium Thin Crash US $183.99
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 SABIAN AA 18" Medium Thin Crash US $216.99
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 Sabian 16" HH Medium Thin Crash Cymbal : 11607 US $259.00
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 16" A Zildjian Medium Thin Crash A0230 US $199.95
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 Meinl B19MTC 19" Byzance Medium Thin Crash US $299.99
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 Meinl B18MTC 18" Byzance Medium Thin Crash US $269.99
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 Sabian Xs20 Medium-Thin 18" Crash Cymbal US $75.00
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 Sabian Xs20 16" Medium Thin Crash Cymbal New US $139.00
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 Sabian Xs20 18" Medium Thin Crash Cymbal New US $160.00
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 Sabian Xs20 Medium Thin Crash Cymbal 16" XS1607 - display model US $99.00
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 Sabian HH Medium-Thin Crash 18" Brilliant Cymbal US $305.00
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 Sabian HH Medium Thin Brilliant Crash 16'' HHX Hand US $259.00
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 Sabian HH Medium Thin Brilliant Crash 17'' HHX Hand US $279.00
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 Sabian HH Medium Thin Crash 16'' HHX Series Hand US $259.00
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 Sabian HH Medium Thin Crash 17'' HHX Series Hand US $279.00
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 Sabian HH Medium Thin Crash 18'' HHX Series Hand US $305.00
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 Avedis Zildjian 17” Medium Thin Crash Cymbal - Rock Crash! EXCELLENT Sustain! US $139.99
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 Sabian Xs20 16" Medium Thin Crash Cymbal **BRILLIANT** US $69.95
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 STAGG 15" Dual Hammered Exo Medium Thin Crash Cymbal - Dynamic overtones US $109.95
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 Sabian 16" Xs20 Medium Thin Crash Cymbal Deluxe Pack US $149.00
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 Sabian 16" Xs20 Medium Thin Crash Pack w/ Snare Head,Drumsticks,Drum Key & Felts US $129.00
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 Sabian 16-Inch Xs20 Medium Thin Crash US $129.00
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 Sabian 16" Xs20 Medium Thin Crash Cymbal Pro Pack US $199.00
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 STAGG 15" Classic Turkish Style Medium Thin Crash Cymbal superb low frequencies US $109.95
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 Zildjian K Dark Medium-Thin Crash Cymbal 17 Inches US $279.95
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 Sabian Xs20 Medium Thin 18" Crash Cymbal - Brilliant US $145.00
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 Sabian XS20 1607B 16" Medium Thin Crash Cymbal US $125.00
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 Sabian Xs20 Medium Thin Crash Cymbal 16" XS1607 US $124.99
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 Meinl Byzance 18" Medium Thin Crash Cymbal B18MTC US $242.99
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 Sabian Xs20 Medium Thin Crash Cymbal 18" XS1807 US $149.00
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 Sabian Xs20 Medium Thin Crash Cymbal 14" XS1407 US $94.99
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 18" Avedis Zildjian A Series Medium Thin Crash US $165.00
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 Vintage Avedis Zildjian Co medium thin crash 16 inch cymbal US $22.50
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 Zildjian 17" A series Medium Thin Crash US $110.99
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 Zildjian 16" Medium thin crash cymbal US $55.00
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 iMeinl Byzance Medium Thin Crash Cymbal - 17" - Brilliant - [DEMO] - Save BIG! US $209.99
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 *DEMO* Sabian XS20 18" Medium Thin Crash US $114.95
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 Zildjian 16" K Dark Crash Medium Thin Crash Cymbal, GREAT, NO RESERVE! US $81.00
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 Zildjian K 18" Dark Crash Medium Thin US $102.50
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 Sabian XS1607 16" Medium-Thin XS Series Crash Cymbal US $95.00
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 16" ZILDJIAN Avedis Awesome Medium Thin Crash Cymbal Ex. Cond. US $129.00
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 STAGG 16" Classic Turkish Style Medium Thin Crash Cymbal fast response US $119.95
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 STAGG 17" Dual Hammered Exo Medium Thin Crash Cymbal - Dynamic overtones US $124.95
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 Avedis Zildjian A Medium Thin Crash- 17" Very Good Shape US $124.99
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 Meinl 16" Byzance Brilliant Medium Thin Crash : B16MTC US $229.99
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 SABIAN 16" XS20 Medium Thin Crash Cymbal NEW XS1607 Video Demo in Auction US $125.00
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 Sabian 18" Xs20 Medium Thin Crash NATURAL Brand NEW! US $140.00
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 Zildjian Medium Thin Crash - 17" US $45.00
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 Sabian Xs20 Medium Thin Crash Cymbal, Brilliant 16" US $129.00
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 Zildjian K Dark Medium-Thin Crash Cymbal 17 Inches US $279.95
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 Sabian XS20 16" Medium Thin Crash Cymbal Brilliant Finish- New US $125.00
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 Sabian 19" AA Medium Thin Crash Cymbal - BRAND NEW! Special Buy! US $199.00
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 Sabian 15" HH Medium Thin Crash Cymbal - BRAND NEW! Special Buy! US $193.00
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 Sabian 20" AA Medium-Thin Crash Cymbal - BRAND NEW! Special Buy! US $189.00
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 Sabian 14" Xs20 Medium Thin Crash Cymbal - XS1407B US $99.00
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 Sabian 18" Xs20 Medium-Thin Crash Cymbal - XS1807B US $149.00
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 **Previously Owned** Zildjian Medium Thin Crash 17" Cymbal NO RESERVE!! US $26.00
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 Zildjian K 17" Medium Thin Dark Crash Cymbal ~1325g~ NR US $166.00
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 Zildjian ZHT 16 Medium Thin Crash Cymbal kit drum setNR US $9.95
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Medium Thin Crash
Zildjian 18" A Series Medium Thin Crash Cymbal (A0232-031909R)
Stock Market Crash? Your Options Explained
We live in interesting times...
You cannot switch on the TV or read a newspaper without hearing of doom and gloom. If it's not property and stock market falls it's oil prices going through the $100 level, and the situation in Iraq seems to be deteriorating.
Well, we will stay clear of most of that, except the issue of markets across the world going down. At this point we feel like saying please take a deep breath everybody.
It's certainly true that the 'sub prime' crisis has badly affected the confidence in the markets. Just as has the Northern Rock fiasco in the UK and the Bear Stearns collapse in the US. Are there any more 'nasties' around the corner people will rightly ask?
The answer is yes there could be, and things may take several more months for any residual problems to make an unwelcome appearance.
So what has happened?
Well, in a nutshell, it's partly down to greed.
In the last few years many banks have devised complex products to sell on at a profit, with the full ramifications of what they were selling not known at the time.
They packaged various types of debt together - good, average and poor quality - and sold it on. The banks priced these packages with a formulae devised by themselves.
With the benefit of hindsight, it could be argued that they got it wrong in spectacular style.
Roughly speaking, the high risk debt became worthless, the medium grade debt halved in value, and even the high quality reduced in value by circa 30%. This was made worse of course because in forced sales you tend to get less.
There is also the issue of how banks lend to each other, called the Interbank rate, so that they have the money to lend to people like us.
Gone are the days (but coming back?) when the bank used purely savers' money to then lend. So when confidence is hit, and banks are reluctant to lend to each other, and any lending they do do they charge a lot more for.
What we need of course is a period of stability, with bad debt being written off, and Interbank rates settling down. Working capital needs to be found, with wealthy companies called Sovereign funds helping - at a price.
As a background to all this, it must be said that the last 15 years have been quite amazing with low interest rates and high growth. This 'Goldilocks' period is ending, with growth down and inflation up. This brings to mind the dreaded word stagflation, and this is perhaps worse than recession.
Another point is that compared to other periods of stock market volatility the fall in the markets has not looked huge. Compared to the end of 2007 the FTSE is down around 14% and of course may fall further or recover. But in 1974 the market fell 51%, before bouncing back in 1975!
So what should investors do?
Well, if you don't need your invested capital now (or within 1-3 years) our advice is to hang on. Don't turn paper losses into real losses by selling low. We have seen new clients tell us that they have sold when the markets went down, and bought again when they went up.
Why?
Well, they simply felt that this was the 'sensible' thing to do.
This is the classic way for investors to lose money, time after time. For example, if you had missed the best 25 days out of the 7,300 days between 1986 and 2006, your compound annual returns would be 6.72% instead of the 11.74% the market returned.
Here is a recent article that discusses these issues:
http://tinyurl.com/3cucrb
Key Considerations:
The old adage of buy and hold is very true. If you do not need the money our advice is to hang on.
ACTION POINT
Perhaps inaction is a better way of putting it - ride out the storm.
If the volatility has really upset you, then revaluate if you should be reducing your risk here, or should you be in the stock market at all?
About the Author
Ray Prince is an Independent Financial Planner with Rutherford Wilkinson plc, and helps UK Resident Doctors and Dentists get the best deals on mortgages, protection and investments, as well as helping them achieve their financial objectives. Click here for Financial Advice for UK Doctors and Dentists and to get your free retirement guide, How To Avoid The 7 Most Common Retirement Planning Mistakes. Rutherford Wilkinson plc is authorised and regulated by the Financial Services Authority.
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