http://ezinearticles.com/?cat=Investing EzineArticles.com - Trusted By Millions as The Source For Quality Original Articles http://creativecommons.org/licenses/by-nc-nd/2.0/ The income statement provides a wealth of objective information about a company's profitability. Since profitability is a vitally important measure of a well run company, understanding how to read and interpret this document can help investors make better investing decisions. Tue, 24 Nov 2009 20:06:44 -0600 http://ezinearticles.com/?What-Investors-Need-to-Know-About-the-Income-Statement&id=3302870 http://ezinearticles.com/?What-Investors-Need-to-Know-About-the-Income-Statement&id=3302870 In these trying times, it's tough enough to worry about your stock portfolio. Some of you, and you may not know who you are, may need to worry about your broker! Tue, 24 Nov 2009 17:52:24 -0600 http://ezinearticles.com/?Twelve-Signs-That-Your-Broker-May-Not-Have-Your-Best-Interests-at-Heart&id=3306620 http://ezinearticles.com/?Twelve-Signs-That-Your-Broker-May-Not-Have-Your-Best-Interests-at-Heart&id=3306620 Almost everyone I talk to feels an impending doom approaching. From Nostradamus, to the Mayan calendar to the bible codes - many different entities point to 2012 as a time of great change or destruction. Often times this evokes images of great disasters or incredible discoveries. I don't buy that. I don't believe we need any polar shifts or alien life announcements. In reality we are simply witnessing the (inevitable) end of paper money and the explosive rise of precious metals. Tue, 24 Nov 2009 17:12:15 -0600 http://ezinearticles.com/?Buy-Bullion-to-Protect-Yourself-From-Currency-Crash&id=3299360 http://ezinearticles.com/?Buy-Bullion-to-Protect-Yourself-From-Currency-Crash&id=3299360 Despite what several books that are on the market have to say about the subject, successful investing is not difficult. But it takes experience, skill, patience and both a long term plan and a short term plan. Take a look at the helpful hints below before you invest. Tue, 24 Nov 2009 15:54:38 -0600 http://ezinearticles.com/?Basic-Financial-Investing&id=3322149 http://ezinearticles.com/?Basic-Financial-Investing&id=3322149 Anyone thinking about investing has to ask themselves, "How much money do I need to start investing?" The answer to that is simple and complicated at the same time. Before you can answer that question you have to ask yourself how much you know about investing. Tue, 24 Nov 2009 15:11:52 -0600 http://ezinearticles.com/?How-Much-Money-Do-I-Need-to-Start-Investing?&id=3321957 http://ezinearticles.com/?How-Much-Money-Do-I-Need-to-Start-Investing?&id=3321957 In October 2009 the UK government increased the amount that over 50's can invest in an ISA to £10,200 GBP, with under 50's being able contribute this amount from 6th April 2010. Previously the investment limit was just £7,200 GBP. An Individual Savings Account (ISA) is a product that allows you to invest money in shares or funds free from the worry of having to pay capital gains tax on your profits. Tue, 24 Nov 2009 15:09:05 -0600 http://ezinearticles.com/?Should-I-Invest-in-an-ISA?&id=3299759 http://ezinearticles.com/?Should-I-Invest-in-an-ISA?&id=3299759 Swing trading is a form of trading where he trader or the investor holds the stock or a commodity for shorter time periods. The time period involves few days but not more than a fortnight. The investors and the traders will sell the stock or the commodity on the basis of intra-week or intra-month prices. Another good thing about the Swing trading is that the traders need no to waste their time in researching about the companies and having a look at their rules and fundamentals Tue, 24 Nov 2009 15:05:22 -0600 http://ezinearticles.com/?Learn-Swing-Trading-Market-Sentiments-and-Profit-Booking&id=3309414 http://ezinearticles.com/?Learn-Swing-Trading-Market-Sentiments-and-Profit-Booking&id=3309414 In Canada there is a type of investment called a guaranteed investment certificate. This investment offers the investor a rate of return that is guaranteed, over a fixed period of time. For example, if invested for three years the rate of return will be 25% regardless of what occurs in the markets. Because of the GIC rates, this has become quite a popular type of investment within the Canadian banking industry. Tue, 24 Nov 2009 11:45:02 -0600 http://ezinearticles.com/?Get-a-Better-Understanding-About-GIC-Rates&id=3313827 http://ezinearticles.com/?Get-a-Better-Understanding-About-GIC-Rates&id=3313827 Tips about investments that I would like to share with you. Interested to find out more? Read on. Tue, 24 Nov 2009 11:26:35 -0600 http://ezinearticles.com/?Investment-Seminar&id=3305236 http://ezinearticles.com/?Investment-Seminar&id=3305236 The first part is to believe you can get high returns. The second part is to do your homework. You can beat a Harvard MBA fund manager because the mathematics are in your favor! Tue, 24 Nov 2009 11:14:48 -0600 http://ezinearticles.com/?Investing-For-a-30-50%-Return-Per-Year-By-Doing-Equity-Research&id=3304746 http://ezinearticles.com/?Investing-For-a-30-50%-Return-Per-Year-By-Doing-Equity-Research&id=3304746 Finding systems to trade options is the key to success. Read this to find out where to start. Tue, 24 Nov 2009 10:02:24 -0600 http://ezinearticles.com/?Looking-For-an-Options-Trading-System?&id=3309832 http://ezinearticles.com/?Looking-For-an-Options-Trading-System?&id=3309832 The are many successful traders using a variety of trading methods. However, there are a far greater number of traders who fail to produce consistent profits from the markets. Over the years I've formed a few opinions on why trading is so difficult for so many people. Tue, 24 Nov 2009 07:31:22 -0600 http://ezinearticles.com/?Trading-Methods-What-Works-and-What-Doesnt&id=3310709 http://ezinearticles.com/?Trading-Methods-What-Works-and-What-Doesnt&id=3310709 Tax lien certificates are becoming increasingly more popular as a result of the economic crisis. Homeowners across America are finding themselves unable to pay their property taxes and wise investors are profiting. When a homeowner falls behind on their taxes, they receive a tax lien. This lien is a demand if you will, for payment. Mon, 23 Nov 2009 19:19:26 -0600 http://ezinearticles.com/?Why-More-Investors-Are-Buying-Tax-Lien-Certificates&id=3287879 http://ezinearticles.com/?Why-More-Investors-Are-Buying-Tax-Lien-Certificates&id=3287879 Recently I had cause to curse the workings of the great financial giants that astride the currency markets. Now I'm not suggesting that I fell foul of currency crooks for millions but in it's own way I was frustrated by the money system. Mon, 23 Nov 2009 16:57:59 -0600 http://ezinearticles.com/?Online-Investing-and-the-Curse-of-Currency-Conversions&id=3293306 http://ezinearticles.com/?Online-Investing-and-the-Curse-of-Currency-Conversions&id=3293306 Too many investors are still paying high initial charges that can be avoided by using the right broker for their investments, pensions, and almost any other financial products. Product charges in the financial industry have always been a topic of much debate. Mon, 23 Nov 2009 15:53:44 -0600 http://ezinearticles.com/?Where-Can-I-Buy-Cheap-ISAs-and-Pensions&id=3176597 http://ezinearticles.com/?Where-Can-I-Buy-Cheap-ISAs-and-Pensions&id=3176597 Decades ago or even one decade ago outsourcing was not something that was discussed as frequently as it is now. Many people think that outsourcing is destroying the United States economy and in some aspects they are entirely correct. What has happened is the free market has decided that if they can get their products done for cheaper, faster, and without as many regulations then they will go ahead and do it. Mon, 23 Nov 2009 15:12:04 -0600 http://ezinearticles.com/?The-Importance-of-Investments-That-Cant-Be-Outsourced&id=3294741 http://ezinearticles.com/?The-Importance-of-Investments-That-Cant-Be-Outsourced&id=3294741 Market euphoria is focused on gold right now, which leaves silver in a perfect position to be a bargain. As the ceiling for gold is tested daily, silver is slipping into a 70/1 price ratio to gold, up from it's historical 16/1 ratio. Apart from industrial demands, China and other major buyers are taking major positions in this ancient money. Opportunity, thy name is now! Mon, 23 Nov 2009 14:15:25 -0600 http://ezinearticles.com/?All-That-Glitters-May-Be-Silver&id=3278833 http://ezinearticles.com/?All-That-Glitters-May-Be-Silver&id=3278833 Diversifying your investment portfolio can be a challenge, but in terms of benefits it can be more than worthwhile. Many individuals seek professional advice to help maintain an effectively diversified portfolio, however there are several options open to investors without the need to resort to specialists. Mon, 23 Nov 2009 13:40:38 -0600 http://ezinearticles.com/?Diversifying-Your-Investments&id=3236485 http://ezinearticles.com/?Diversifying-Your-Investments&id=3236485 Bonds are a security and are generally good investments for the older crowd who wants to earn higher interest rates for income. Bonds also belong in younger portfolios to enhance investment balance. But beware; the Big Bad Wolf may be knocking on the bond investing door. Mon, 23 Nov 2009 12:57:38 -0600 http://ezinearticles.com/?Bonds-Are-They-Good-Investments?&id=3301758 http://ezinearticles.com/?Bonds-Are-They-Good-Investments?&id=3301758 Do you want to become a shark of Wall Street? I bet you'd like to make some money like the aces in there, just by investing, investing and then investing some more. And earn couple of percentages from your money every single day? Mon, 23 Nov 2009 11:27:26 -0600 http://ezinearticles.com/?Play-Virtual-Investing-Game-to-Reduce-the-Risk-of-Failure-in-Real-Stock-Market&id=79819 http://ezinearticles.com/?Play-Virtual-Investing-Game-to-Reduce-the-Risk-of-Failure-in-Real-Stock-Market&id=79819 Why Invest In Gold? First I have to vent a little regarding the state of the economy. People in the USA now have a negative savings rates (it's come back up recently because people are spending less) and we continue to monetize the debt like it's going out of style. Mon, 23 Nov 2009 10:40:39 -0600 http://ezinearticles.com/?Why-Invest-in-Gold?&id=3294943 http://ezinearticles.com/?Why-Invest-in-Gold?&id=3294943 Advocates of index investing rave about the simplicity of the approach, but is indexing so simple that there's no need for a financial advisor? Examine both sides of the issue so that you can make an informed decision. Mon, 23 Nov 2009 10:12:46 -0600 http://ezinearticles.com/?Index-Investing-DIY-Vs-Hiring-an-Investment-Advisor&id=3284905 http://ezinearticles.com/?Index-Investing-DIY-Vs-Hiring-an-Investment-Advisor&id=3284905 This is not an ordinary business cycle. The list of things gone wrong and government efforts to get ahead of the problems seem endless. In mid-2008 the quick unraveling of sub-prime debt brought a violent halt to the financial markets, and slammed the door on all mortgage financings, ultimately causing the collapse of a host of investment and commercial banks, hedge funds, insurance companies, and other financial entities throughout the industrialized world. Mon, 23 Nov 2009 09:19:05 -0600 http://ezinearticles.com/?Things-Are-Different-This-Time&id=3294384 http://ezinearticles.com/?Things-Are-Different-This-Time&id=3294384 How investing even small amounts of money gains you freedom. It also helps build self esteem and opens your world to opportunity! Mon, 23 Nov 2009 08:55:18 -0600 http://ezinearticles.com/?Freedom-Get-it-Through-Investing&id=2521079 http://ezinearticles.com/?Freedom-Get-it-Through-Investing&id=2521079 You can't pass a bus stop pick up a paper or watch a bit of day time TV and not see an advert for someone wanting your old gold jewelery. So why have so many companies come out of the wood work wanting my scrap gold? Mon, 23 Nov 2009 08:42:48 -0600 http://ezinearticles.com/?Gold-Jewellery-Selling-Fast-But-Why?&id=3294813 http://ezinearticles.com/?Gold-Jewellery-Selling-Fast-But-Why?&id=3294813 During the last 18 months or so, the world has seen a financial meltdown. Markets are slipping, blue chip companies are laying off workers by the thousand. Hundreds of thousands of people in the United States have either seen their homes decline in value until they were worth less than when they bought them or have lost their homes entirely. Sun, 22 Nov 2009 13:38:39 -0600 http://ezinearticles.com/?Safe-Investing-in-a-Depression&id=3306784 http://ezinearticles.com/?Safe-Investing-in-a-Depression&id=3306784 Whether you are a new investor or simply want to get a better understanding investing in general you should understand exactly what is meant by "investing". When you save a certain amount of cash, then choose to redirect that cash in order to reap profits in the future, this is investing. The number of ways that you can invest your money is countless. Sun, 22 Nov 2009 13:37:35 -0600 http://ezinearticles.com/?Investing-For-Beginners-Some-Tips&id=3306743 http://ezinearticles.com/?Investing-For-Beginners-Some-Tips&id=3306743 Recently I had cause to curse the workings of the great financial giants that astride the currency markets. Now I'm not suggesting that I fell foul of currency crooks for millions but in it's own way I was frustrated by the money system. I wanted to make an investment in a particular programme that traded in Euro's. Fri, 20 Nov 2009 16:00:44 -0600 http://ezinearticles.com/?Online-Investing-and-the-Curse-of-Currency-Conversions&id=3293306 http://ezinearticles.com/?Online-Investing-and-the-Curse-of-Currency-Conversions&id=3293306 One of the main selling points to sign people up in Sports Arbitrage Trading is that it is a Risk Free Opportunity. This is partly true. Once the Arbitrage Trade is confirmed then you will be guaranteed a return and hence it becomes risk free. The problem therefore arises before you finally commit to the arbitrage trade and that's what I want to explore in this article. Fri, 20 Nov 2009 15:58:35 -0600 http://ezinearticles.com/?Online-Investing-With-Sports-Arbitrage-and-the-Dangers-Faced-by-Individual-Investors&id=3293283 http://ezinearticles.com/?Online-Investing-With-Sports-Arbitrage-and-the-Dangers-Faced-by-Individual-Investors&id=3293283 In other articles in this series I've made the point that you need to be disciplined and keep good records of all your online investments as this will ensure things are set up correctly from the start. One of the other things you need to do especially when starting out is to recoup your initial investment as quickly as possible. Fri, 20 Nov 2009 15:56:35 -0600 http://ezinearticles.com/?Online-Investing-For-Beginners-Where-Learning-to-Pay-Yourself-is-a-Key-Element-of-Success&id=3293227 http://ezinearticles.com/?Online-Investing-For-Beginners-Where-Learning-to-Pay-Yourself-is-a-Key-Element-of-Success&id=3293227 One of the first lessons you will learn about online investing is that things never seem to be straightforward. A classic example of this is the way in which funds are deposited and withdrawn from the programmes you join. Fri, 20 Nov 2009 15:53:48 -0600 http://ezinearticles.com/?Online-Investing-For-Beginners-and-the-Tortuous-Route-For-Deposits-and-Withdrawals&id=3293207 http://ezinearticles.com/?Online-Investing-For-Beginners-and-the-Tortuous-Route-For-Deposits-and-Withdrawals&id=3293207 Your investments are the security you have for your future and that of your family. It is very important to make sure that your money is being handled by someone who knows what they are doing and who has the right certifications. Fri, 20 Nov 2009 13:46:40 -0600 http://ezinearticles.com/?What-to-Look-For-in-an-Investment-Adviser&id=3288242 http://ezinearticles.com/?What-to-Look-For-in-an-Investment-Adviser&id=3288242 When the going gets tough smart investors concentrate on asset allocation and diversification. The new investor should too. First we will explain these terms; and then tell you how to put these concepts into action as an investment strategy. Fri, 20 Nov 2009 13:25:33 -0600 http://ezinearticles.com/?Asset-Allocation-in-Tough-Times&id=3294578 http://ezinearticles.com/?Asset-Allocation-in-Tough-Times&id=3294578 Investing in mutual funds is simple activity, but most investors still do it the wrong way. Have you heard the phrase "Mutual funds simply don't work!"? So many times. Fri, 20 Nov 2009 11:33:21 -0600 http://ezinearticles.com/?5-Simple-Tips-For-Successful-Mutual-Funds-Investing&id=929842 http://ezinearticles.com/?5-Simple-Tips-For-Successful-Mutual-Funds-Investing&id=929842 Since 2001 output of gold has been steadily falling despite a tripling in exploration and mining budgets. As reported by Barrick, the world's largest producer of gold, it may be the end of new gold. And what happens when you combine declining availability with increasing demand? I call it the fulfillment of the Chinese curse, "May you live in interesting times." Fri, 20 Nov 2009 11:30:24 -0600 http://ezinearticles.com/?The-Eschatology-of-Gold-Terminal-Decline-is-Here&id=3285676 http://ezinearticles.com/?The-Eschatology-of-Gold-Terminal-Decline-is-Here&id=3285676 One of the hardest things for new online investors is to be disciplined enough to separate funds they will use for investing from their day to day living expenses. The temptation is to fund something quickly because it provides the allure of high returns with a relatively small outlay. Unfortunately this approach can lead to poor management of funds and in the worst case lead to losses that escalate and impact a persons quality of life. To stop this happening it is important to develop the right mindset around the funds you need to set aside for online investing. Fri, 20 Nov 2009 10:33:53 -0600 http://ezinearticles.com/?Online-Investing-For-Beginners-Keep-Your-Investment-Funds-Separate-From-Living-Expenses&id=3288446 http://ezinearticles.com/?Online-Investing-For-Beginners-Keep-Your-Investment-Funds-Separate-From-Living-Expenses&id=3288446 When you start to invest online don't treat it lightly. One of the first things you should do is set up a separate account that will hold the funds you have allocated for the purpose. As always do not invest any more than you are happy to lose. I know that this mantra is continually repeated but it is really important that right from the start you follow this rule. Fri, 20 Nov 2009 10:27:42 -0600 http://ezinearticles.com/?Online-Investing-For-Beginners-Why-Keeping-a-Separate-Bank-Account-is-an-Important-Step&id=3288415 http://ezinearticles.com/?Online-Investing-For-Beginners-Why-Keeping-a-Separate-Bank-Account-is-an-Important-Step&id=3288415 If you were suffering from an illness and you didn't know what it was who would you look to for answers? Would you listen to your next door neighbor who is something of a hypochondriac, your brother who works as a porter at the hospital or a website that you find using Google? Hopefully you would have rejected all those options as whilst they may have an interest in helping you their level of expertise may be less than is really needed. Personally I'd seek out someone who has the knowledge and experience to help me in the first instance. Fri, 20 Nov 2009 10:24:44 -0600 http://ezinearticles.com/?Online-Investing-For-Beginners-Find-Someone-You-Trust-to-Help-and-Guide-You&id=3288396 http://ezinearticles.com/?Online-Investing-For-Beginners-Find-Someone-You-Trust-to-Help-and-Guide-You&id=3288396 There's been a lot of buzz around self managed super funds, but what are they all about? Many people are weighing up their options and now more than ever are considering taking control of one of the biggest assets they have. Fri, 20 Nov 2009 08:52:36 -0600 http://ezinearticles.com/?The-Self-Managed-Super-Fund-Strategy&id=3286338 http://ezinearticles.com/?The-Self-Managed-Super-Fund-Strategy&id=3286338 Now the economy is starting to turn up, many people who were reluctant to investing in the stock market are now becoming more interested in the financial markets. I will outline the three best ways to invest for long term profits while going through a down market. Fri, 20 Nov 2009 08:50:22 -0600 http://ezinearticles.com/?The-3-Best-Ways-to-Invest-For-Long-Term-Profits&id=3257915 http://ezinearticles.com/?The-3-Best-Ways-to-Invest-For-Long-Term-Profits&id=3257915 There's a lot to do when setting up a self managed super fund properly. Here is a simple guide so that you leave no stone unturned when taking control of your SMSF. Fri, 20 Nov 2009 08:08:01 -0600 http://ezinearticles.com/?How-to-Set-Up-an-SMSF&id=3286272 http://ezinearticles.com/?How-to-Set-Up-an-SMSF&id=3286272 In today's difficult economic climate, people are turning to a self managed super fund to ensure they are managing and securing their retirement nest egg. The benefits of an SMSF are wide and varied, but one of the key attractions with this particular type of superannuation plan is the tax benefits that can be gained. People often don't realise the positive financial opportunities that are available when it comes to salary sacrificing. Fri, 20 Nov 2009 07:57:44 -0600 http://ezinearticles.com/?Discover-the-Tax-Benefits-Associated-With-an-SMSF&id=3286237 http://ezinearticles.com/?Discover-the-Tax-Benefits-Associated-With-an-SMSF&id=3286237 America's population is getting older and demanding more medication and procedures to keep them in good health. That makes biotech companies particularly attractive to investors. Not only do these companies provide potential employment opportunities for many, they also may offer the investor an opportunity to offset some of the losses experienced in other sectors. For those investing in their future by seeking careers in biotech, the area also provides ample opportunity for growth and solid employment. Fri, 20 Nov 2009 07:57:09 -0600 http://ezinearticles.com/?Biotech-Companies-Are-A-Focus-Point-For-Investors&id=3285547 http://ezinearticles.com/?Biotech-Companies-Are-A-Focus-Point-For-Investors&id=3285547 Personal investing makes the average new investor uncomfortable. I say this because I was a financial planner for 20 years. I found that most people can relax and start investing with more confidence. If, that is, they make money in the process and learn some investment basics... like the difference between stocks and bonds. Thu, 19 Nov 2009 21:26:02 -0600 http://ezinearticles.com/?Personal-Investing-With-Less-Stress&id=3294317 http://ezinearticles.com/?Personal-Investing-With-Less-Stress&id=3294317 An investment advisor is someone who takes his or her extensive knowledge of the stock market and financial arenas and tells others what stocks are worth investing for their trading needs and which should be passed on as too risky for the investment amount. An advisor will not make the final decisions for the investor; only offer strong cautions or recommendations. A green investment adviser is one who takes those cautions and recommendations just a step further by suggesting only the companies that engage in ecologically aware practices or those that are more socially responsible. Thu, 19 Nov 2009 20:19:47 -0600 http://ezinearticles.com/?Green-Investment-Advisor&id=3297373 http://ezinearticles.com/?Green-Investment-Advisor&id=3297373 We can be reminded of life lessons anywhere. This visit to the NYSE reminded me to be connected to new opportunities, prepared for changes, invested in your unique future, and introduced to new ways to make my dreams come true. Thu, 19 Nov 2009 20:19:32 -0600 http://ezinearticles.com/?4-Life-Lessons-From-My-Tour-of-the-New-York-Stock-Exchange&id=3283246 http://ezinearticles.com/?4-Life-Lessons-From-My-Tour-of-the-New-York-Stock-Exchange&id=3283246 Did you ever sit there and just wonder how did the richest people in the world get that way? The answer is by making their money work for them - commonly referred to as compound interest. Thu, 19 Nov 2009 20:19:07 -0600 http://ezinearticles.com/?The-Not-So-Secret-Power-of-Compound-Interest&id=3257824 http://ezinearticles.com/?The-Not-So-Secret-Power-of-Compound-Interest&id=3257824 Why aren't you investing in U.S. equities after the 2008 credit crisis? Have you lost faith in investing? Too many ups and downs in the market? Not getting good advice? Whatever the reason, don't give up. Equity investing is still the only proven way to achieve financial security over the long term. Perhaps you just have to step back and develop a fresh perspective. Thu, 19 Nov 2009 16:28:07 -0600 http://ezinearticles.com/?Where-Have-All-of-the-Investors-Gone?&id=3266558 http://ezinearticles.com/?Where-Have-All-of-the-Investors-Gone?&id=3266558 Market euphoria is focused on gold right now, which leaves silver in a perfect position to be a bargain. As the ceiling for gold is tested daily, silver is slipping into a 70/1 price ratio to gold, up from it's historical 30/1 ratio. Apart from industrial demands, China and other major buyers are taking major positions in this ancient money. Opportunity, thy name is now! Thu, 19 Nov 2009 14:56:21 -0600 http://ezinearticles.com/?All-That-Glitters-May-Be-Silver&id=3278833 http://ezinearticles.com/?All-That-Glitters-May-Be-Silver&id=3278833 A description of a simple way to increase profits. Trade size is an important factor in your trading performance.Typically a percentage of your asset size is selected with 1 to 2 % of total equity representing the highest to avoid massive drawdowns. Setting a loss per trade for your trades is very important but it is just the beginning of the story. How to analyze stops can make or break your trading performance. Some traders use a volatility filter or chart analysis.They both can play a role but don't ignore the most obvious source of stop analysis. Past trades can be a goldmine of valuable information. Thu, 19 Nov 2009 10:16:21 -0600 http://ezinearticles.com/?How-to-Cut-Your-Stops-to-Increase-Your-Profits&id=881476 http://ezinearticles.com/?How-to-Cut-Your-Stops-to-Increase-Your-Profits&id=881476 To achieve financial freedom, one important thing you should do is learning how to invest. By knowing how to invest you can greatly increase your chance to achieve financial freedom. Thu, 19 Nov 2009 07:48:11 -0600 http://ezinearticles.com/?Start-Investing-Early-to-Achieve-Financial-Freedom&id=2105215 http://ezinearticles.com/?Start-Investing-Early-to-Achieve-Financial-Freedom&id=2105215 Tax-free municipal bonds and Treasury bonds are generally for investors with money who want income. Municipal bonds offer interest that is exempt from federal income taxes, while U.S. Treasury bonds are the safest long term debt issues in the world. Whether either are good investments for you all depends on the circumstances. Wed, 18 Nov 2009 22:58:24 -0600 http://ezinearticles.com/?Tax-Free-and-Treasury-Bonds-Good-Investments?&id=3288419 http://ezinearticles.com/?Tax-Free-and-Treasury-Bonds-Good-Investments?&id=3288419 There is an old saying "Sell in May and go away" which means that you could get better stock market returns if you stay away from markets over the summer. We did tests in various markets with surprising results: In many markets "Sell-in-May" under performs in bull markets but gives very good results in bear markets. Wed, 18 Nov 2009 20:39:04 -0600 http://ezinearticles.com/?Seasonal-Indicators-Sell-in-May-But-When-to-Be-Back?-Does-it-Really-Work?&id=3274544 http://ezinearticles.com/?Seasonal-Indicators-Sell-in-May-But-When-to-Be-Back?-Does-it-Really-Work?&id=3274544 You can invest your surplus cash in various places as well as there are many options to increase your wealth. Real estate investments or investing in property has created much more millionaires rapidly than any other type of investment. However, Investing in residential property is the current trend of the financial market. Residential properties are more profitable than the commercial properties. Wed, 18 Nov 2009 16:27:04 -0600 http://ezinearticles.com/?Residential-Property-Investment-is-at-Its-All-Time-High&id=3286144 http://ezinearticles.com/?Residential-Property-Investment-is-at-Its-All-Time-High&id=3286144 When you first start actively investing online you probably don't think that considering tax implications is that important. This would be a wrong assumption to make even at this early stage. Effective tax planning can make a big difference to the profits you take home. Wed, 18 Nov 2009 15:13:47 -0600 http://ezinearticles.com/?Treating-Online-Investing-in-the-Most-Tax-Efficient-Manner-For-You-As-an-Investor&id=3273796 http://ezinearticles.com/?Treating-Online-Investing-in-the-Most-Tax-Efficient-Manner-For-You-As-an-Investor&id=3273796 When you become an online investor you quickly learn that patience is not only a virtue, it is an absolute necessity. This article explores how an individual can determine whether an online investment is worth investing in. Wed, 18 Nov 2009 15:12:25 -0600 http://ezinearticles.com/?Patience-in-Online-Investing-is-an-Absolute-Necessity&id=3273720 http://ezinearticles.com/?Patience-in-Online-Investing-is-an-Absolute-Necessity&id=3273720 Over half a century ago, J. Paul Getty amassed his colossal fortune prospecting for oil and investing in the oil market. Today, while the global recession bites the demand for oil supply continues to see significant growth worldwide. Wed, 18 Nov 2009 14:40:07 -0600 http://ezinearticles.com/?A-Guide-to-Investing-in-the-Oil-Market-With-Online-Spread-Betting&id=2811189 http://ezinearticles.com/?A-Guide-to-Investing-in-the-Oil-Market-With-Online-Spread-Betting&id=2811189 Whenever you invest in cheap platinum bullion, you wish that there is a burglar alarm service that can alert you if ever someone is trying to hack into your investment. With technology that is rampant nowadays, that is actually possible. Wed, 18 Nov 2009 14:09:25 -0600 http://ezinearticles.com/?Buy-Cheap-Platinum-Bullion&id=3287280 http://ezinearticles.com/?Buy-Cheap-Platinum-Bullion&id=3287280 Don't be overwhelmed when you buy silver bullion coins. It is so easy. People think that this will take some getting used to because of the money involved. That is not usually the case. Wed, 18 Nov 2009 14:08:43 -0600 http://ezinearticles.com/?How-to-Buy-Silver-Bullion-Coins-Tips&id=3287426 http://ezinearticles.com/?How-to-Buy-Silver-Bullion-Coins-Tips&id=3287426 Commemorative gold coins are popular because they have our history engraved in their designs. Be they uncirculated or proof, these are offered to the coin collectors, enthusiasts, and investors because these people know how valuable these coins are. Wed, 18 Nov 2009 13:55:44 -0600 http://ezinearticles.com/?Buy-Cheap-Commemorative-Gold-Coins&id=3281327 http://ezinearticles.com/?Buy-Cheap-Commemorative-Gold-Coins&id=3281327 Let's figure out what something is worth before we buy it. This is not a unique concept. You do it all the time for almost everything you buy. But for certain (but wrong) reasons, that's what investors very clearly do NOT do when they consider buying into a business. Wed, 18 Nov 2009 11:34:04 -0600 http://ezinearticles.com/?First-Find-Out-What-it-is-Worth&id=2658692 http://ezinearticles.com/?First-Find-Out-What-it-is-Worth&id=2658692 Everyone has a horror story about how a stock crashed and ruined their portfolio, but that is not the markets fault, it is the investors for not having a diversified portfolio. One stock should never spell disaster for anyone and while it can hurt you a little bit, it should never take you out of the game. Wed, 18 Nov 2009 11:05:36 -0600 http://ezinearticles.com/?Having-a-Diversified-Portfolio-Protects-All-of-Your-Investments&id=3282703 http://ezinearticles.com/?Having-a-Diversified-Portfolio-Protects-All-of-Your-Investments&id=3282703 The term private equity firm is one that can be confusing for some people, but in this article we'll look at exactly what constitutes what sometimes quite a controversial type of company. Firstly, we'll break down what the different parts of the term actually mean. Equity is the entire value of a given asset, minus and associated liability. Wed, 18 Nov 2009 10:52:19 -0600 http://ezinearticles.com/?The-Definition-of-a-Private-Equity-Firm&id=3279988 http://ezinearticles.com/?The-Definition-of-a-Private-Equity-Firm&id=3279988 Online Investing is a minefield for beginners. If you don't learn these 7 tips you will risk losing any investment that you make. Take the time to discover what you need to do to protect both your money and your sanity in the world of online investing. Wed, 18 Nov 2009 09:10:40 -0600 http://ezinearticles.com/?Online-Investing-For-Beginners-7-Tips-to-Ensure-You-Make-a-Real-Profit&id=3270228 http://ezinearticles.com/?Online-Investing-For-Beginners-7-Tips-to-Ensure-You-Make-a-Real-Profit&id=3270228 Long-term investment strategies follow some basic rules. Every investor should learn these 10 basic principals of investing. Wed, 18 Nov 2009 08:07:34 -0600 http://ezinearticles.com/?10-Tips-For-Successful-Long-Term-Investors&id=3266501 http://ezinearticles.com/?10-Tips-For-Successful-Long-Term-Investors&id=3266501 The very first thing that beginners in the stock market have to understand is that investing, even just stock market investing is a very broad topic and many people and even institutions spend there entire lives figuring out how it works. This article can, at most, give you the very basics of how to get started. Stock market investing is very risky and an excellent way to lose all of your money. It is also an excellent way to get very rich. You should examine all of your investment options before considering the stock market. This about this: if you can only earn a 10% gain on the stock market and your interest on your bills is 20%, your better investment might be your bills. Tue, 17 Nov 2009 20:30:15 -0600 http://ezinearticles.com/?Beginners-Guide-to-Investing-Some-Tips&id=3283737 http://ezinearticles.com/?Beginners-Guide-to-Investing-Some-Tips&id=3283737 At one time everyone was new to investment strategies. Even the most talented investors began that way. So if you are someone who has decided that they now have the chance to put some money away in a real investment portfolio, this article contains some valuable tips for the investment rookie. Tue, 17 Nov 2009 20:29:24 -0600 http://ezinearticles.com/?Investing-Guide&id=3283654 http://ezinearticles.com/?Investing-Guide&id=3283654 Here is a listing of some of the top 6 mistakes people make with their cash as well as pointers on what can be done to avoid these errors. 1) Racking Up Junk Debt: Credit card offers are ubiquitous in American society. They're easy to use because most stores accept plastic, so a lot of people have ended up racking up debt on the plastic crack. Tue, 17 Nov 2009 19:03:21 -0600 http://ezinearticles.com/?Six-Common-Investing-Mistakes-and-How-to-Get-Around-Them&id=3268219 http://ezinearticles.com/?Six-Common-Investing-Mistakes-and-How-to-Get-Around-Them&id=3268219 To be sure, there are advantages and disadvantages of trading the various asset classes. Stocks are great, especially for beginners, because they're easy to understand and they are the most followed of all asset classes by the media. Traders can always get their hands on information about stocks due to increased technology. The bad part about stocks is the limited market hours (just 7.5 hours a day in the U.S.) and the ability of large banks and hedge funds to manipulate prices, adversely impacting smaller traders in the process. Tue, 17 Nov 2009 14:14:58 -0600 http://ezinearticles.com/?Lets-Settle-the-Debate-Futures-Or-Stocks-When-it-Comes-to-Trading&id=3264844 http://ezinearticles.com/?Lets-Settle-the-Debate-Futures-Or-Stocks-When-it-Comes-to-Trading&id=3264844 Are you looking to invest? Gold is a very viable and essential aspect of successful personal investing. The question is how much do you invest, and what is the best gold to buy? Discover more about buying gold in this latest article designed to help you find successful personal investing. Tue, 17 Nov 2009 12:26:51 -0600 http://ezinearticles.com/?Buy-Gold-How-Much-to-Invest-in-Gold?&id=3276963 http://ezinearticles.com/?Buy-Gold-How-Much-to-Invest-in-Gold?&id=3276963 There are four ways to invest in United States savings bonds whether they be of the electronic or paper versions of the bonds. The amount you can invest in each version varies ($25,000 maximum per year for electronic bonds and $10,000 face value per year for paper bonds) but the methods of purchasing them remain the same. Tue, 17 Nov 2009 11:49:44 -0600 http://ezinearticles.com/?How-to-Invest-in-US-Savings-Bonds&id=3270495 http://ezinearticles.com/?How-to-Invest-in-US-Savings-Bonds&id=3270495 Because of their security and the patriotic connotations that buying them holds, United States savings bonds have traditionally been one of the most popular investments - especially among individual investors. The best known savings bond is the Series EE bond and this article will give you an overview of investing in U.S. savings bonds. Tue, 17 Nov 2009 11:30:28 -0600 http://ezinearticles.com/?Understanding-US-Savings-Bonds&id=3270482 http://ezinearticles.com/?Understanding-US-Savings-Bonds&id=3270482 The prices of gold can be volatile at times, but they will continue to rise. Historically, at times of uncertainty, gold is the best thing to keep your money in. Tue, 17 Nov 2009 10:56:55 -0600 http://ezinearticles.com/?Why-Gold-Can-Be-the-Best-Investment?&id=3256986 http://ezinearticles.com/?Why-Gold-Can-Be-the-Best-Investment?&id=3256986 Safe investing at any time is a risky proposition. Investing in times of recession or an up and down stock market seems suicidal at best, and what do you do if these troubled economic times have left you with no money to invest? Thinking about stock returns, 401(k)s or other investment strategies is important, but if you are not working, underemployed, or just broke, the thought of planning for you financial future seems ridiculous. Sometimes is hard to see beyond the realities of food and clothing. Tue, 17 Nov 2009 08:35:11 -0600 http://ezinearticles.com/?Safe-Investing-Some-Tips&id=3279036 http://ezinearticles.com/?Safe-Investing-Some-Tips&id=3279036 Any type of investing can be confusing, frightening and even financially crippling if you don't know what decisions to make. The Internet has simplified things considerably however and now just about anyone can get involved in the various forms of investing that range from opening up a basic savings account to putting their money into the stock market or even markets like Forex. Online investing can be quite lucrative, even for beginners, but there are still many dangers out there. Tue, 17 Nov 2009 08:35:00 -0600 http://ezinearticles.com/?Beginner-Investing-Must-Know!&id=3278990 http://ezinearticles.com/?Beginner-Investing-Must-Know!&id=3278990 Don't even think of investing in the Stockmarket until you have read this report. Don't take unnecessary chances with your money. Tue, 17 Nov 2009 08:24:12 -0600 http://ezinearticles.com/?Investing-in-the-Stockmarket-For-Beginners&id=387318 http://ezinearticles.com/?Investing-in-the-Stockmarket-For-Beginners&id=387318 Securities are a financial investment regulated by the government. Examples include: government securities, stocks, bonds, and mutual funds. As a general guide to investing, to avoid heavy losses and investor fraud steer clear of more complicated securities and schemes. Here's a guide to investing for beginners to help you start investing and avoid being fleeced. Mon, 16 Nov 2009 22:03:46 -0600 http://ezinearticles.com/?Securities-Fraud-Where-Not-to-Invest&id=3266305 http://ezinearticles.com/?Securities-Fraud-Where-Not-to-Invest&id=3266305 Right now, you and I are living in a perfect storm in the economic world. There are three things that are happening - right now - that are causing this perfect storm to occur, creating what I believe to be the very best investment opportunity of 2009 and beyond. Mon, 16 Nov 2009 21:52:28 -0600 http://ezinearticles.com/?The-Best-Investment-Opportunity-of-Our-Times-A-Perfect-Storm-For-Everyday-Investors&id=3258374 http://ezinearticles.com/?The-Best-Investment-Opportunity-of-Our-Times-A-Perfect-Storm-For-Everyday-Investors&id=3258374 In this segment we will begin to build some foundational knowledge that will help you to understand (or better understand) how investing works. At this point I am assuming that you have your budget under control and that you are saving for emergency spending, short term expenses, and long term goals. Mon, 16 Nov 2009 21:39:46 -0600 http://ezinearticles.com/?Wealth-Building-202-Investment-Strategy-Building-Blocks&id=3260570 http://ezinearticles.com/?Wealth-Building-202-Investment-Strategy-Building-Blocks&id=3260570 I have been in full time public practice as an accountant for 14 years. In that time I have seen clients invest their time and money into several schemes, with the intention of making fast money. I thought I might share with you a few investments that "I have never seen" make any money. Mon, 16 Nov 2009 19:02:43 -0600 http://ezinearticles.com/?I-Have-Never-Seen&id=3259980 http://ezinearticles.com/?I-Have-Never-Seen&id=3259980 With all of the investment opportunities that exist in the world today, it can sometimes be difficult to choose which specific ones you want to invest your money into. It seems like all too often that the "hot stocks" of the day end up becoming little more than a flash in the pan, and the stocks that no one really wants to invest in end up growing suddenly in value while people lament that they should have invested in it while they had the chance. If you've ever found yourself wondering how you can sort through these seemingly... Mon, 16 Nov 2009 16:50:25 -0600 http://ezinearticles.com/?Researching-Investments&id=1134854 http://ezinearticles.com/?Researching-Investments&id=1134854 In these hard times, due to the economic meltdown, what in your definition would you call an investors haven? Most investors require stability, profitability and safe guard of their investments. The last, of the three mentioned above is actually the most important for most investors. Mon, 16 Nov 2009 16:49:19 -0600 http://ezinearticles.com/?An-Investors-Haven&id=3249606 http://ezinearticles.com/?An-Investors-Haven&id=3249606 Maintaining a diverse investment portfolio is a relatively simple way to continue to make investments while taking steps to insure that you're not going to loose everything should certain stocks or sectors of the stock market drop in value. Despite the usefulness of diversification, many people still maintain a very limited number of investments in very similar stocks. Mon, 16 Nov 2009 16:47:14 -0600 http://ezinearticles.com/?Guide-to-Diversifying-Your-Investment-Portfolio&id=1136013 http://ezinearticles.com/?Guide-to-Diversifying-Your-Investment-Portfolio&id=1136013 The time to invest in the share market in Australia is during periods of recession, mass selling of stocks due to panic and fear and when nobody is buying. This is when you can purchase company stocks and shares below their intrinsic value or real value. This way, you will get a big discount on the cheap shares when the prices go down during the bear run. Warren Buffett, the world's greatest investor, once said this, "Buy when others fear and sell when others are greedy". There is a formula to calculate the intrinsic value of the company shares which you can read in financial books. It is important to know this formula so that you know when to sell and when to hold on to your shares. When there is a bull run, you need to hold on to your shares to make the maximum profit by knowing the intrinsic value so that when you sell, it will be the time just before the marginally sharp drop in the share prices. Mon, 16 Nov 2009 15:03:51 -0600 http://ezinearticles.com/?All-Types-of-Investments&id=3259678 http://ezinearticles.com/?All-Types-of-Investments&id=3259678 Trading Opinions abound. They can be found everywhere. Should you listen to them? Should they affect how you decide on investing and trading? Perhaps. Perhaps not. Mon, 16 Nov 2009 13:36:50 -0600 http://ezinearticles.com/?The-Value-of-Trading-Opinions&id=3262940 http://ezinearticles.com/?The-Value-of-Trading-Opinions&id=3262940 It can seem daunting at times to try and break into investing, after all, you may be simply wanting to make some basic investments, but find yourself confronted with a variety of different terms that you aren't completely sure what they mean. To help you with this, several common investment terms are defined below. This should be enough to get you started with some of your investments, at the very least; it should be noted, however, that this is nowhere near a complete list of investment terminology that is used today. Mon, 16 Nov 2009 08:33:41 -0600 http://ezinearticles.com/?A-Guide-to-Common-Investment-Terminology&id=1132328 http://ezinearticles.com/?A-Guide-to-Common-Investment-Terminology&id=1132328 One of the most important elements of a successful investment experience is the investment policy statement. This is essentially a written investment plan that allows you (and your advisor, if you have one) to have a written implementation, management, and review program for managing your investments. Fri, 13 Nov 2009 15:50:00 -0600 http://ezinearticles.com/?6-Steps-to-Creating-an-Investment-Policy-Statement&id=3250890 http://ezinearticles.com/?6-Steps-to-Creating-an-Investment-Policy-Statement&id=3250890 Now the economy is starting to turn up, many people who were reluctant to investing in the stock market are now becoming more interested in the financial markets. I will outline the three best ways to invest for long term profits while going through a down market. Fri, 13 Nov 2009 14:28:17 -0600 http://ezinearticles.com/?The-3-Best-Ways-to-Invest-For-Long-Term-Profits&id=3257915 http://ezinearticles.com/?The-3-Best-Ways-to-Invest-For-Long-Term-Profits&id=3257915 A favorite option for silver investors is junk silver coins. The circulated currency is readily available and offers people the option of diversifying their investments without having to expend a tremendous amount of capital. The reason for this is not however entirely tied to the inherent value of the precious metal content. Fri, 13 Nov 2009 13:32:39 -0600 http://ezinearticles.com/?Junk-Silver-Bags&id=3257402 http://ezinearticles.com/?Junk-Silver-Bags&id=3257402 Goldman's been holding "trading huddles" for their preferred clients. In these meetings, preferred clients receive short-term trading ideas from research analysts. Often the ideas were counter to the long-term advice given to regular customers. First, understand how the company makes money. If there's a conflict of interest, it's time to start being skeptical. Goldman caters to lots of ultra-wealthy people. If you're not one of them, assume the research you get might be old. Fri, 13 Nov 2009 13:31:36 -0600 http://ezinearticles.com/?Dont-Get-Taken-by-Goldman-Sachs&id=3248846 http://ezinearticles.com/?Dont-Get-Taken-by-Goldman-Sachs&id=3248846 Even if you just started to research options as a potential addition to your portfolio, you've probably seen some the advertisements that talk about how options allow investors to "control" hundreds or even thousands of shares of a company's stock for just a fraction of the price of buying the shares directly. That bit of information may have you scratching your head and wondering how is it possible to play with the big boys for just a small slice of the normal cost. Fri, 13 Nov 2009 08:48:56 -0600 http://ezinearticles.com/?Big-Game-Hunting-For-Maximum-Profits-With-Options&id=3243339 http://ezinearticles.com/?Big-Game-Hunting-For-Maximum-Profits-With-Options&id=3243339 If you're like most do-it-yourself investors, you're better at developing an investment plan than sticking to it. Learn how a simple document called an Investment Policy Statement can help you resist return-reducing behaviors and increase your chances of reaching your investment goals. Fri, 13 Nov 2009 08:08:45 -0600 http://ezinearticles.com/?DIY-Investing-Use-an-Investment-Policy-Statement-to-Bring-Discipline-to-Your-Financial-Plan&id=3244847 http://ezinearticles.com/?DIY-Investing-Use-an-Investment-Policy-Statement-to-Bring-Discipline-to-Your-Financial-Plan&id=3244847 First off, it must be emphasized that becoming a successful investor takes time. Of course, the time required to become a successful investor varies from one individual to the next depending on a few factors. Read on to find out how to join the club... Thu, 12 Nov 2009 16:10:14 -0600 http://ezinearticles.com/?How-to-Become-a-Successful-Investor-Quickly&id=3079128 http://ezinearticles.com/?How-to-Become-a-Successful-Investor-Quickly&id=3079128 When deciding on the best way to invest your hard earned cash, it can be difficult to know where to start. To the uninitiated, the wide variety of methods can be quite bewildering. Whether it is stocks and shares, bonds, cash savings accounts, pensions or real estate, I suspect that many are simply intimidated by the murky jargon of the professionals to believe that they could educate themselves about this important aspect of their financial lives. Thu, 12 Nov 2009 14:33:17 -0600 http://ezinearticles.com/?Get-the-Right-Financial-Education-That-You-Were-Wrongly-Denied&id=3194655 http://ezinearticles.com/?Get-the-Right-Financial-Education-That-You-Were-Wrongly-Denied&id=3194655 There's been a lot of press lately about the Carry Trade, and like all catchy trends in the investing world, by the time it's a routine fixture on CNBC and blogs, the smart money's been made and retail investors are left holding the bag when the bubble bursts (anyone recall housing 2007, oil 2008?). Conversely, the trend is your friend and given the continued decline of the US dollar of late, we may very well see this trend continue for months. In a flat or downward stock market following a 60% move from the bottom, the carry trade may be a nice place to earn a double digit gain in the meantime. Thu, 12 Nov 2009 13:20:54 -0600 http://ezinearticles.com/?The-Carry-Trade-What-is-it?-How-to-Play-it?&id=3238328 http://ezinearticles.com/?The-Carry-Trade-What-is-it?-How-to-Play-it?&id=3238328 Diversifying your investment portfolio can be a challenge, but in terms of benefits it can be more than worthwhile. Many individuals seek professional advice to help maintain an effectively diversified portfolio, however there are several options open to investors without the need to resort to specialists. Thu, 12 Nov 2009 08:56:41 -0600 http://ezinearticles.com/?Diversifying-Your-Investments&id=3236485 http://ezinearticles.com/?Diversifying-Your-Investments&id=3236485 For many people, $500 can either be small or a big amount of money depending on their perspective. No matter the perspective, however, you can make a million dollars out of your 500 bucks and get a big bang out of it. Wondering how to make it happen? Find out... Wed, 11 Nov 2009 20:46:27 -0600 http://ezinearticles.com/?How-to-Invest-500-Dollars-Make-a-Million-Small-Investments-at-a-Time&id=3079161 http://ezinearticles.com/?How-to-Invest-500-Dollars-Make-a-Million-Small-Investments-at-a-Time&id=3079161 The rise in Dow Industrials Index prices since November 5 is reminiscent of the Tulip Bulb Craze, the South Seas Bubble, and the stock market environments of October 1929, of early 2000, and of October 2007. The current craze to buy stocks appears to be a mania, too; but Candlestick patterns are now telling us that the craze may now be coming to an end. Wed, 11 Nov 2009 20:20:24 -0600 http://ezinearticles.com/?Candlestick-Patterns-Show-a-Faltering-Dow&id=3250438 http://ezinearticles.com/?Candlestick-Patterns-Show-a-Faltering-Dow&id=3250438 For the small time investor, looking for something secure in today's troubled economy to guarantee your principal let alone show some return on your investment is quite difficult. Furthermore the thought of investing in companies that may not be around a year from now is certainly something on many people's mind. Wed, 11 Nov 2009 20:05:00 -0600 http://ezinearticles.com/?Collector-Coin-Values&id=3250385 http://ezinearticles.com/?Collector-Coin-Values&id=3250385 The price of gold fluctuates because more gold can be mined, but gold is not consumed in any way, it is bought and kept safe by collectors. When collectors, or anyone who wants to sell gold, comes out with his share, the supply of gold that is available increases. This pushes the prices down although, as soon as people are informed about it, there is an excessive demand, which pushes the price back up. Wed, 11 Nov 2009 19:28:18 -0600 http://ezinearticles.com/?Buying-Gold-As-a-Long-Term-Investment&id=3168526 http://ezinearticles.com/?Buying-Gold-As-a-Long-Term-Investment&id=3168526 Copyright 2009 EzineArticles.com - All Rights Reserved.