Almost all peopleis especially girls might understand or notice or possibly have a very set of two shoes. These footwearis sorts tend to be mainly Louis Vuitton Sacs over the useris parts of feet, ankle joint Bottes UGG or even around the shin bone. The actual distinction is the fact that a large number of shoes cover as long as the leg when you go usually boots solely protect the foot. They are generally constructed from natural leather with some sort of your back heel to create a greater pose for user. Most women adore most of these sneakers simply because get people to look saucier and even more appealing. Additionally, they make a greater postureis design. Despite of your function to hide the main foot or so as well as calf through mineral water, excellent skiing conditions, mud, along with factor which will harm a persons, they are used more intended for style and lifestyle good reasons.

Womenis timeless footwear are created not just in defend the master when going for walks by means of a number of relentless supplies and to retain ft . warm, but also to generate a high fashion seems. Inside Modern days to weeks, automobile used for trend motive because they have got unique form design and also materials for complex compared than usual footwear. Commonly, they are characterised having level heels, software examiner, sharp ft, and zips closure. They have growing to be craze since 70s and also till today ladies rely on them showing your sign of their particular well-known life-style along with their passion for trend, specially the extended bootleg-shape 1.

There are numerous varieties that ladies can choose in accordance with their own taste; Trendy, Knee-High, Lengthy Bootleg, Thigh-Length, Sand iron, Guy, Moccasins, Chelsea, Leave, Outfit, Perverted, Euro, Hessian, plus much more. Many famous brands which can be because personal references are Blundstones, Chukka, File Martens, Third.M. William, Redback Shoes or boots, Bumpy, Atlanta, Durango, Sorel, Timberland, Tony morrison Lama, Uggs, Meindl, Xtratuf, in addition to Louboutin.

Just one kind that is transforming into a reach and incredibly well-known will be Trend Knee-High forms. These types are made from leather-based along with man-made material. They’ve created a great combination with most of style clothes just like informal matches, trousers, sweater, dresses and in some cases pants. Many people come to be very popular simply because they supply a thinner and even more stylish actively seeks you and the calf. They’re also user friendly they usually can be found in pull-on stretch shoes sorts to complement across the calf. There are many suggestions within deciding upon an excellent set.

Very first, pick a qualified level, dimension, and form. Boots are not one-size-footwear-for-all, so they ought to be equalled having owneris leg.

Next, with regards to coloration, find the black color just one. Dark can be equalled to almost virtually any colours of the dresses.

Next, have the ones that are produced from friendly-material to the cases that won’t bring about allergy or intolerance.

Fourth, pick a qualified shape (the high heel, the platform, and the pointing toe-shape) which fits the actual legs and provides comfort and ease emotion with all the this.

Recall; not every person is capable to go with higher stiletto varieties thus you’d better opt for the people that are great for your current need in addition to tastes. No matter what final decision can be, you could convey a sophisticated, more sexy, and even more sophisticated search by some kick out that are great for your own character. Womenis basic boots are meant to build a current fashions seems to be.

These footwearis types are usually principally Louis Vuitton Sacs covering the useris areas of foot, leg Bottes UGG or maybe as much as the tibia bone. This

Ever wondered precisely what a stockbroker was and how they work? They’re experts who are employed by clientele and on their behalf they will trade securities and stocks to help them develop a financial stock portfolio. They may work primarily for business clientele, or for an individual, and they may have any amount of clientele as they can easily manage. To work as a stock broker, you have to be licensed, as the stock market wouldn’t be able to permit just anybody to come in off the road and make acquisitions. It’s a profession which demands education. There are also different exams which have to be passed too. As soon as this is accomplished you’ll be able to obtain your license. It’s also feasible to mix the profession of stock broker with investment consultant, and help clientele to make much more knowledgeable investment fund options.

A great investor and stock broker will in addition frequently trade on their own personal account, when they try to make the most of the buy and sell impulses that their techniques produce. There’s been circumstances of stock brokers which once had clientele getting away from the job and undertaking their investing only for their own use. In cases like this, they stop being stockbrokers then and are just dealers. The usage of contemporary computer software makes it feasible for any person that has a wish to buy and sell in stocks and options. All you have to have is a laptop or computer and the appropriate computer software.

Occasionally companies have to have funds and you will find investment banking house which can easily assist with stocks and shares in that situation. Institutional investors can easily do this also. A few of these businesses will simply be beginning to buy and sell and will be being floated on the stock market for the very first time. Others are going to be long set up, however just searching for a brand new increase of funds to assist with growth into more tasks or more trading markets. The institutional investors make several of their buying selections in line with the stock issues of those institutional investors.

The roles that stock brokers participate in can easily be closely identified, as they work completely on a stock market selling or buying securities, or it can easily be wide enough to cover advisory roles also. In the wide-ranging term any person which desires to be a stock broker can easily be also a great investment consultant. This permits them to supply all types of investing help and advice for folks preparing for financial stability. This can deal with anything from the home mortgage the clientele needs to buy their property to the way their continuous earnings are invested. This frequently involves a fund that will continue to be tax-free if it’s kept until your retirement.

The skill of personal planning can easily extend the skills of a stock broker to an entirely brand new degree. Whenever individuals visit an investment consultant they desire assistance which will permit them to best utilize their investments. They desire a one-stop remedy. The home finance loan is totally important to this, for a number of reasons. First of all, a property is much more than simply a good investment, it’s something that can impact the standard of living of the whole family for a long period in the future. If this home finance loan is enhanced, it can easily leave substantial earnings readily available for other opportunities.

The most essential investment decision after the home finance loan is generally a pension plan that is produced for the clientele. This plan of action will generally entail the development of an account to carry mutual funds, since these can easily take place tax free into retirement living. The fund manaer or stock broker is going to be in a position to choose which stocks and shares enter in the fund, even though who owns an investment at all times maintains general control. As soon as this sound investment system has been produced, the clientele can easily then think about a lot more chancy investment strategies for example derivatives, to try and speed up the development of the fund.

Any person wishing to become a fund manager must be quite self-disciplined. The position contains serious duty and isn’t a job to initiate frivolously. There are constantly going to be the possiblility to utilize info that is meant for the advantage of clientele whenever you are buying and selling your own account. It really is against the law to do so. It’s named front running and is deceitful also. You’ll have to be sure that you’ve got the moral determination to steer clear of this kind of action, that could be easily uncovered by means of electronic checking.

If a job as a stock broker is precisely what you’ve got at heart expect to devote time into learning. You’ve got to have the confindence to pass examinations before you may work. All stock markets across the world use a licensing procedure that forbids a normal individual from strolling in and buying and selling stock. The training that you’ll have to take to prep you for these tests are supplied by means of a broad assortment of institutions. You’ll find numerous variants to pick from with regards to training. It is easy to select the standard approach or it is easy to join one of several on-line institutions which concentrate on stock brokerage and investment banking.

Be sure to check out JB Smith’s website regarding stockbrokers. Many articles are available there from online brokers to full service brokerage firms.

Many people have an interest in locating the investment strategies which have been proven to hold the most potential in adding to their overall economic security down the road. Whilst there are numerous choices which can be found on the net, there’s lots of buyers who are considering the benefits and drawbacks of silver spot prices as compared to the gold spot prices that exist.

Several people will find that the silver spot prices are capable of providing all of them with different advantages in comparison to the gold spot prices. Gold spot prices are usually more easily liquidated, and many investors will see how the costs are more within their ballpark. People who find themselves getting natural gold will find that considerably less space for storage is required for greater amounts which makes it great for many purchasers. Silver spot prices.

Those who are considering smaller sized investments that might be capable of putting diverseness and versatility towards their financial profile will discover the benefits that they’re searching for in silver spot prices. There are numerous benefits associated with the spot prices of silver. Being that they are readily available in the market, and regarded as being rather economical, the spot prices of silver are generally affordable.

They are easily accessible, and can be purchased through many different providers. Additionally, there are numerous various sorts of minted coins having a substantial amount of silver which can be marketable occasionally as well. When contemplating a number of different investment options that are available, consider the spot prices of silver prior to shelling out any money to different venues.

Usually, the spot price of gold will permit gold to be a considerably better investment for anyone who is looking to generate more profit, but the spot prices of silver permit this kind of investment decision to be a very good choice for beginners. There are various practical alternatives on the marketplace, and those who are curious about checking out all the various forms of investment strategies available should highly think about investigating the existing silver spot prices prior to making a decision.

Make an educated final decision by learning the pros and cons for the several possible choices that are available. Silver spot prices.

When you weigh a mutual fund compared to an ETF, which one wins? Which is the better investment decision choice as well as for whom?

Both mutual funds and ETFs have become preferred plus valuable ways of investing, in which one gets guaranteed and continual earnings with their investment.

Mutual funds can be sorted in to two types. One can find the typical mutual funds that are managed by the fund manager. These types of mutual funds utilize shares and invest in diverse market sectors. ETF vs Mutual Fund.

There’s also the index mutual funds that happen to be maintained by certain forms of software programs. All these invest, predominantly, within the stock markets.

ETFs, also called exchange traded funds, are investment selections depending on stocks and options, not money. They may consist of thousands of stock shares that create specific units. These units will be then divided between the shareholders and are eventually bought and sold on the market.

Apart from the structural and also the budget usage variances, exchange traded funds and mutual funds conduct their trades in different ways.

As an illustration, ETFs could be Open-Ended. This means the dividends within this investment are consistently re-invested, and with this the money is paid out to the investor each quarter.

The exchange traded funds are also able to have what is known as Unit Investment Trust structure. Here, a purchase is limited to twenty five percent of the total shares at a time. On the other hand, the actual dividends aren’t immediately re-invested.

You may also have a Grantor Trusts structure, meaning traders have the same voting privileges as the shareholders. The shareholders see returns every three months.

On the other hand, mutual funds could assume the subsequent structures: It may be an open ended fund in which case the funds are actively managed, together with the fund shares simply being traded straight between the investors and the fund.

A close ended structure, in contrast, is able to only disperse a fixed amount of shares, that may not be increased even when new individuals enroll.

The actual cost in this scenario is influenced by the investor demands.

The fundamental concern now is precisely which option between these two options is better than the other one. Are mutual funds a lot better than ETFs? We simply cannot give one certain answer since there are a great number of factors to be taken into consideration.

It’s your responsibility to decide on good and the bad of each of these two options and determine where the weight falls when it comes to mutual funds against ETFs and which is the best choice. http://etfvsmutualfunds.org.

Purchasing real estate is no laughing matter – whether the economy’s doing well or it’s experiencing recession. It’s a well-known fact that buyers are in a better position to purchase real estate during a recession. However, there are still some risks involved. So how do you make sure you’re still getting the best real estate deal during the recession times? Here are some tips that you can make use of:

Don’t come undone with your own expectations.

Determining whether you have gotten yourself a good deal in buying real estate, or simply just about anything, depends on your priorities. We all differ in priorities, that’s a fact. So if you’d like to make sure you satisfy yourself, get your own expectations in check. Creating a checklist can help you here. Finding a property to buy with a checklist handy can greatly facilitate the process.

Don’t be too ‘me,me,me!’

Sure, you were advised to know your priorities and to create a checklist to boot. However, flexibility can also get you a long way. Be objective with your judgments and take a hard look at the property you are planning to buy. Think hard and see if you are actually being too choosy to the point of being impractical. Would you like fancy or functional? Is it comfy or uber-elegant? How about trying to meet in the middle? Have you asked for suggestions from experts of family or friends with experience? Do they agree with you? Although you do not need to wipe your slate clean and accommodate all their opinions, are your expectations realistic enough and what about your budget? Remember it is recession.

Don’t be over-confident during a real estate recession:

Many think that since it is recession, they can just buy and buy and buy properties. Although many property sellers are usually on the lower part of the scale during these times, not all deals are the best ones. You still need to be as careful as ever in purchasing real estate.

Before pursuing a short sale:

Many would pursue a short sale trying to grab a good deal. However, before you buy a property with a price that seems too low for the location, asking your agent to investigate if it is a short sale won’t hurt. This is important since you should not just make an offer on a pre-foreclosure, short sale property.

Beware during recession since there are not too many fish in the sea

Er, properties to buy. Home sellers do know that during a recession, they may not be able to sell their properties for a better price. This means that they would have to wait longer to put their home out on the market. There may be properties for sale, but they get bought quicker, too. It would be helpful if you are prepared enough to make a purchase without dilly-dallying if you really are into it.

Recession or not:

Your decision should not be clouded in buying a property. Always shop for the lowest price, which fortunately is more attainable during recession for buyers. However, do not forget that the lowest-priced property is not necessarily the best one.

In summary, there are some advantages to buying a home during recession. However, if you do not really have the budget or are not that well-educated in the real estate industry, do not feel pressured to jump in.

As well as recession expertise, this author also knows a lot about your wheel alignment cost. To learn more about this, make sure to click here.

Have you ever stopped to consider all the new technologies in the areas of internet financing, communications, healthcare, energy, nanotech and biotech? On the stock market, with the right stock trading strategies, these are the hot properties of the year.

If you really want to become a successful day-trader, it’s vital to know how to pick and choose your stocks to ensure that you are making the best decisions. Though all smack of promise, you have to seriously consider the risks that lie behind many of them. Some may appear better than they really are.

Day-traders in the know can tell you that moving hot stocks quickly is the best way to make a quick buck in this day and age. Knowing how to recognize and exploit the best trade-ops allows you to count on a rapid and reliable return on your investments.

You’ll learn how to use these rocketing stocks by going long when they’re on a roll, or dumping them when they are about to go bust. Of course, a well-rounded portfolio will also include some more solid stocks, there to provide a little long-term stability.

Whatever you do, do not forget the cardinal rule – to “keep it simple.” Regular returns often depend on you being able to turn a blind eye to all the jargon and indicators which might distract you just long enough to lose out on a fantastically lucrative limited time market offering.

Mastering the art of buying and selling, you can consistently count on a great return. After all, stock trading strategies are nothing more than plans for taking advantage of the best opportunities the trading day has to offer.

If you want help in your investing check out our new stock market forum.

Overall, I did quite well as I more than doubled my money trading on the NASDEQ and the NYSE. When you purchase a stock, the goal is to sell it by the market’s close; in other words you are buying and selling a stock in one day. Beginner investors often fall into the trap of collecting too many stocks from too many industries. In some cases, this works out just fine, and in other cases, it doesn\’t which is why it is a high risk. The point is for lame brokers to earn big commissions and small, sketchy companies to increase the value of their stock. They can never all fall at the same time, as stocks can.

Health IT was a hot topic during the election, and it continues to draw Federal dollars now that Obamas in office. Get a feel for the company and analyze how it makes its money. For comparison, the US has been growing at rates between 2 to 5% (non-recession) while China has been growing at rates between 8 to 15% over the last 10 years or so. Such is the peril when an industry is supported by fickle government financing (as opposed to the more reliable, if far less needed, government financing enjoyed by industries like agriculture and petroleum). But also, there are a lot of means that could assist you come up with a decision without seeking advice. Although there’s nothing wrong with putting in money on companies that have already established themselves, there is also limited room for growth there.

It is similar to spread betting in sports, but works a little different in this venue. For instance, you may refuse to trade the stocks of the companies that are not environmentally friendly or those that are involved in industries that you do not approve of. He says in one of his seminar that growth investors are like baseball teams, they pay huge salaries to top ranking players, as they know the batter will yield them with good and winning matches. It seems that ordinary American’s are not the only ones baffled by the commercial. You wont see Loblaw stocks anywhere in Frankfurt, which is the largest stock exchange in Germany. Setting up an Individual Savings Account [or an ISA account] is a great way of becoming financially secure for the future.

Though, you may place the check in person to expedite the process. All signs point to continued strong demand for fertilizer and earnings estimates continue to be revised upwards, so we’re keeping the stock in the portfolio. I highly recommend you note that penny stock day trading is usually a high-risk business. Talk about defensive stocks perhaps the most shocking news came from Carlsberg Brewery Malaysia Berhad (KLSE: CARLSBG, stock-code 2836) and Fraser & Neave Holdings Berhad (KLSE: F&N, stock-code 3689). At the same time, if you are heavily focused, it can cause rigidity and because of that you may miss out the most important opportunities that market provides. Sentiment on retail stocks has been bullish lately, thanks to encouraging reads on consumer spending in the holiday shopping season.

Also as a Mutual fund investor you can have direct access to research, meeting up with the company management and industry bigwigs is something they do on a regular basis. A good example would be stocks that are derived from pink sheets. What is a penny stock and why are so many people talking about them? Though many experts might put forth the most promising penny stocks before you, trading them is always a high risk job because of the extreme volatility and unsure nature of the penny stocks. However, the Fund’s oil and gas investment strategy is to focus on projects where risk dollars are substantially moderated and returns of 20% to 40% are the expected norm. Online stock trading companies offer valuable advice and tutorials, so that your questions will be answered and you can quickly learn all you need to know.

You are now stuck in an investment that pays only 3% and you can’t get out of it without paying a penalty. Stocks from transparent companies that publish their financial statements regularly are also good since you can tell the financial position of the companies from the cash-flow, profit and loss statements and balance sheets. That is, based on how the market has valued the financials (earnings, etc) of the company in the past, and based on current 6-month forward analyst estimates, the stock could rise 18.7% before reaching what the market considered to be its “fair value.” Also, The Valuator displayed a star showing that the stock was rising faster than fifty percent of all rising stocks. Other things that you should look for in a new company are barriers to entry, patents, and consumer demand. This site will allow you to search your stocks to see the growth or decline and determine if you want to buy or sell. It is essentially a numbers game, because each decision involved is based on a great deal of calculation and analysis.

While you stock picks may never own a thousand shares of a blue chip stock, you can own tens of thousands of stock picks shares of a penny stock.

There’s a saying, started by a well known evangelist: “Tough times don’t last but tough people do.” There’s a definite truth in that, but there’s also a corollary: “Tough people that last in tough times had better watch out for scammers.”

Tough times definitely bring out the scammers.

Those of us who have experienced setbacks during these times that left us vulnerable to situations we never imagined we’d encounter are oftentimes searching for some “ray of hope”. This can include an online job that will pay the bills — or make us rich, or a “sure fire” method to invest that will bring us “insane profits” (or dividends). In this economic climate of a wildly swinging stock market, major housing loss, and ten percent unemployment (not counting those who have been out of a job for so long they are no longer included in US Labor Department statistics), those of us who have a little reserve cash would like to substantially increase it and create a source of steady income, perhaps to offset the income we have lost.

KNOW THE SCAMS

Those of us who are able to take the investment route are prime targets for stock market shares and stock scammers. Here are a few of their scams:

1) Predictive scams.

In this type of scam, described in his book Innumeracy by John Allen Paolo and quoted on the Investor Home website, a stock market “adviser” sequentially divides a mailing list in half, sending out predictions to the first half that the stock market will go up, and to the second half that it will go down.

This is repeated for the half that receives an accurate prediction and so on until he has a list of “marks” who have received at least three accurate “predictions”. These then will be eager to invest with him, and he will use “success” stories from that group to further promote himself. The moral of this story is to be very skeptical of testimonials…they may not exactly be false, but they may be the result of manipulation.

2)Playing the numbers game

Another version, described in several books including Martin Fridson’s Investment illusions and on the website Investor Home, involves mutual fund brokerage companies that produce a lot of offerings, aggressively marketing those that perform the best and down playing those that don’t perform well. It will continue to “sift out” the low performers and tout the high performers until it can establish a reputation for picking the winners, which it will then use to recruit investors, hyping itself as a predictive “super” firm. In choosing a company, one should evaluate all of its offerings and their past performance.

Wykipedia describes four scams, all similar to each other:

3) Pump and Dump Schemes

These are schemes where companies inflate the value of a stock shares and securities, then sell it through telemarketing or the internet. They pocket your money and you are left with stock that is nearly worthless.

4) Chop Stocks

Similar to “pump and dump”, stocks are purchased for pennies and sold at inflated prices. Once again, your money goes to the brokers and promoters.

5) Dump and Dilute

Companies issue shares primarily to get investor’s money.

6) Bait and Switch

The broker or adviser leads you in with a “bargain” stock or mutual fund that is destined to rise dramatically, and then persuades you to “switch” to a more costly stock (that might be fundamentally worthless).

Scams work when a company or investment “adviser” has sufficiently “hyped” itself and created an illusion. This can be done by playing a variant of the “numbers” game listed in techniques 1 and 2, and then by leading you to purchase stock that is fundamentally worthless because of a variant on scam techniques 4, 5 or 6.

PROTECT YOURSELF

How do you protect yourself? There’s an old saying, “if it is too good to be true, it probably is”. We all have heard that saying, and yet when we find ourselves in a difficult or desperate situation (such as a job loss with no prospects in sight, or imminent foreclosure), we are considerably more vulnerable to the scammers who come along with fantastic offers.

Protect yourself by:

1) Checking out any broker or adviser with the Better Business Bureau and US Securities and Exchange ommission.

2) Research out for yourself what is being offered.

3) Type the word “scam” after the name of the broker or adviser and do an Internet search. His name might appear in forum posts by his victims.

4) Familiarize yourself with stock broker and adviser scams. It’s worth it to make sure you aren’t falling into one of them.

5) Always sleep on it before you make an investment, don’t jump. This is particularly true of telemarketers. There are many who won’t let you off the line until you’ve invested with them.

6) Do not be intimidated. If you feel the broker or marketer is intimidating you, tell him in no certain terms to “never call your phone number” again or you will report him to the FTC. If he calls back, do so.

YOUR LINE OF DEFENSE

Your first line of defense is to be aware of the scammers and their scams. Your second line is to never panic when you find yourself in a desperate situation. Don’t fall for any promise of “instant riches”. Don’t leap for what looks like a way out…

Especially when it’s too good to be true.

Lots of people are undoubtedly confused on the way to trade options and also help to make income with them and so are looking for facts by way of on the internet with regards to the diverse choices methods to earn money. Most important factor is, option trading when giving outstanding financial rewards as a result of the control that is certainly associated with them, it could also be the most convenient methods to wipe out a complete trading bank.

First of all, a choice is actually a deal which present the entire power to acquire(a call option) or perhaps sell (a put option) a stock or maybe bond at a fixed cost (the strike price) on or prior to the actual date.

There are various ways of options around now for clients to choose from. With ‘American’ options it’s very achievable to practiced any time between the purchase and also expiration as well as whereas on the subject of ‘European’ options they are usually worked out only on the established date (expiration date).

For anyone who is deciding on buy or sell an option, there exist two alternatives, the first is you can maintained it to maturity additionally, the second choice is that you may prefer to utilize them ahead of the set date.

Buy Call Option. In regards to Buy Call Option you could obtain equal quantity of equivalent stocks and shares by making use of the call options and may also grow in as soon as the stocks moves up.

Sell Naked Put Option – With this options techniques instead of buying call options, you should have the choices to offer short put choices thus targeted to your whole quantity you have made on selling the put options when the stock should go up.

Bull Call Spread – With this particular options methods you receive profit even if the stocks piles up and also if the stocks remain nonproductive.

If you want to know how to trade options and to become an expert so that you opt for the best options strategies then take a look at our site.

Some stock exchange traders think that the answer to making super profits is to be out there in the market trading repeatedly all day that the market is open. Regularly those traders usually finish up getting eaten by the wolves of Wall Street who know better.

The way to make big profits trading is to only trade when everything is in your favor.

There happens to be one stock trading service whose goal is to guide you to 100 percent return on your trading account during the year. Actually that’s one piece of the derivation of the name of the service.

The annual return goal is the primary meaning of 100 in 100 Trade Jack stock trading service.

There is a difference between having something as a goal and delivering it as stated though. Can you expect to double your money in your trading account by following 100 Trade Jack’s trades?

Not every year to be sure. Bear in mind, though, that falling down short of double can still be a wonderful return on your trading. And to do that you do not need to invest a lot of time per trading day, nor do you need to grasp a thing about technical analysis and little about the stock market itself.

What the trader, Jack, of 100 Trade Jack has found is that he sometimes does deliver a 100 percent return about one out of each three years; with the years between mostly still being quite good.

One of the keys to the successfulness of this trading service is the avoidance of loss. Most trades are put on with really tight parameters. If they don’t start to work in our favor very quickly, usually a day or two, the trade is closed out for a small profit or, hopefully negligible, loss.

This way you don’t end up with a portfolio of dogs like you almost certainly have now. Regularly traders will sell their winners to capture that profit and avoid losing it.

They keep losers, though, in the hope that it’ll amazingly return to even or even a profit. Seldom is that the case.

With a target of doubling the size of your trading account every year and adhering to predetermined trading guidelines, 100 Trade Jack can help you multiply your trading account multiple times over the course of the years yet to come.

Read our full 100 Trade Jack Review for more in-depth information. Correct research performed by mavens with longstanding track records can gather you greater than average returns, even 100 percent a year at times. Discover more about Investment Newsletters and stock trading services known to perform well.Note that past performance is not an indication of future returns. This is not investment advice. Please read our disclosure on our website.