Try Out These Amazing Stock Market Tips

Do you seek returns on your investments that never seem to materialize? Lots of people make money in the stock market, but it’s tough to know exactly how to succeed. If you want to learn how to get the most out of the money you put into the stock market, take a careful look at the helpful advice you will find below.

Be sure to use free resources to check out the reputation of any potential brokers. By spending some time investigating their background, you can avoid rouge brokers who will rob you of your hard earned cash.

Set yourself up with realistic expectations when investing in common stocks. Most people know that investing in the stock market doesn’t guarantee riches overnight. Keep this in mind, and you can avoid making expensive mistakes while building your investment portfolio.

Try and get stocks that will net better than 10% annually, otherwise, simpler index funds will outperform you. If you wish to project your expected return from any particular stock, add the projected earnings rate to the dividend yield. For example, from a stock with a 12% growth and 2% yields, your returns will be 14%.

If you think you have what it takes to invest on your own, think about using a discount online broker. Fees and commissions will be cheaper online than those of brick-and-mortar brokers. The reduced costs of an online broker helps you save money and this, in turn, results in increased profits.

If you are new to investing, be wary that making big returns overnight is tough. Usually it takes a bit of time before a company’s stock really starts to financially gain, but most people give up before the stock can make it to that point. To become a profitable stock investor, you must develop emotional objectivity and patience.

In order to make your stock market investments the most successful, you need to map out a specific plan with strategies and future goals. Include what you want to buy, when you’ll sell and what you’ll do as the next step. A firm budget should also be a part of your plan. Decide how much you can afford to spend and stick to it. This helps you make the right choices with your head, rather than with your emotions.

Investment plans need to be kept simple. Diversifying and trying to do too much at first isn’t the wisest way to go for the beginner. In the grand scheme of things, you can save a lot of money.

You may be set on handling your own stock investments, but you should make it a priority to seek the advice of a financial counselor, too. The services a competent advisor can provide go far beyond recommending individual stocks. If they are knowledgeable they can also help you create a long-term plan and methods to reach your desired profitability. This Spey Invest information will then be used to develop a personalized plan of action.

Never purchase a company’s stock without thoroughly researching it. Too many people discover an exciting new company and invest in it before doing enough research. What happens when people follow what they hear at times is unpredictable and you can lose a lot of money from following what you hear.

An option where you choose stocks which pay out in dividends are a good options. That way, even if the stock declines a bit in value, you are receiving dividends that can offset some of the losses. If the stock should rise, think of the dividend as an added bonus. They are also a great second income stream.

Now that you’ve read all the tips here and you know how to invest smartly, get into the game and do it! Change your strategy as necessary so you can build a portfolio to brag about! Start making big money!

Tips On How You Could Make Money In The Stock Market

Have you ever thought about owning a piece of a company? Investing in the stock market may be a good choice for you. Before you go crazy, however, and pull all your money out of the bank, you need to learn some of the ins-and-outs of stock market investing. Read on for that advice and more.

Prior to placing funds with a professional broker, be sure you conduct sufficient research into their background. Avoid investment fraud by performing a thorough background check on any investment broker you are considering.

The best time-proven way to maximize your stock market earnings is by creating a long-term investing plan and strategy. You also will probably see more success by holding realistic expectations for your investments, as opposed to trying to predict the unforeseeable conditions that most often rule the markets. Hold onto stocks for however long it takes to meet your profit goals.

When shopping for a broker, whether an online discount broker or a full service broker, pay special attention to all the fees that you can incur. You want to look into both entry and deduction fees. You’d be surprised how quickly these fees can add up.

Ensure that your investments are spread around. You don’t want to have all of your eggs in a single basket. For example, if you’ve only invested in one stock and it fails, you’ll lose everything.

When you’re thinking of a rainy day fund, you should be thinking of an investment option that earns a lot of interest. You should also keep at least six months worth of expenses in it. This way if you are suddenly faced with unemployment, or high medical costs you will be able to continue to pay for your rent/mortgage and other living expenses in the short term while matters are resolved.

An important part of investing is re-evaluating your stock portfolio periodically, such as every quarter. Because the economy is in a state of constant flux, you may need to move your investments around. You may find that one sector has begun to outperform the others, while another company could become obsolete. Depending on current economic conditions, some financial instruments may make better investments than others. Therefore, you should keep close tabs on your portfolio so that you can adjust it as needed.

You will not find overnight success in stocks. It usually takes several months for stock prices to rise, and many people don’t have the patience to wait it out. Patience is a good thing, and that goes for investing, as well.

As a beginner, you would be wise to plan keep your plan for investing as uncomplicated as possible. Although you may be tempted to diversify quickly, find one method that works well before venturing out into other avenues. You will end up saving a lot of money as time goes by.

You should invest money in stocks that are damaged, but you should https://www.iminsiderreviews.com/rjgm-power-team-review/ avoid companies that are. While you can get a great price on stocks during a temporary downturn, it is important to ascertain that it is indeed temporary. A businesses that simply misses some deadline due to some error, like shortage of materials, can experience sudden drops in the value of their stock due to investors who panic. Note that this is temporary, not permanent. Some circumstances such as a financial scandal usually mean a company will never recover.

After reading this guide, does investing money in stocks sound appealing? If so, then prepare to take your first steps into the stock market. Resort to this information as a guide and you can begin to focus on a successful career in the stock market.

Save Lots Of Money With These Stock Market Tips

The stock market can be very tricky, even for someone who is very experienced. You can be extremely successful, or you could end up losing money. In order to make your investment decisions with the greatest possible wisdom and potential for profit, you need all of the stock market know-how you can get. This article can help.

Long-term investment plans are the ones that usually result in the largest gains. Be realistic https://www.iminsiderreviews.com/omnia-tech-review/ when investing. In order to maximize your profits make sure you try and hold on to your stocks as long as you can.

It is wise to have a high bearing interest investment account that has six months salary saved in it for a rainy day. This helps if you become unemployed or have costly medical bills, so that you can pay for your abode and other short-term living expenses while the other things are taken care of.

Only allocate a tenth or less of your investment capital into a single stock. By doing this you protect yourself from huge losses if the stock crashes.

Remember that your stocks represent a share of a company instead of a simple title. Take some time to look into both the weaknesses and strengths of a given business and asses your stock’s value. This will help you to choose your investments with care.

It is not a good idea to invest too much money into your own company. It is a good thing to show support with stock purchases, but loading your portfolio too heavily with one stock is not a sound investment. When you put all your faith in one stock and it does not perform at the level you expected, you can end up losing all or most of your investment as the price of the stock falls or if a company goes out of business.

Stock recommendations that you didn’t ask for must be avoided. If your financial advisor is doing well, carefully listen to their advice. Ignore the other speculation from other sources. Conducting research and doing the necessary homework on your own pays the most dividends in getting you prepared to invest, especially when you use this research and homework in lieu of advice that is given to you by people who are paid to provide it.

Don’t put all your eggs in one basket when it comes to investing. Other excellent investments include art, mutual funds, bonds and real estate. Don’t forget to consider other options when making investment decisions. If you plan to invest a lot of money, it’s important to diversify your investments so that you won’t lose it all if something goes wrong.

Take the time to research companies and stock before you invest your money in them. People often have a tendency to see a stock featured in a business magazine and then purchase it based on that information alone. Then, this business does not do as well as anticipated, and the investors lose lots of money.

Keep an open mind when dealing with stock prices. Simple mathematics will tell you that the higher the price of the stock versus it’s earnings, the less your profit will be. A stock that appears to be a bad buy for $50 one day, may drop to $30 the next week and become a good buy.

You may want to look into purchasing stocks which pay out dividends. This means you will make money even if your stock has a small drop. But, when the stock rises in price, the increased dividends are usually just a bonus that will increase your capital gains. This is a great source of secondary income.

There are, as was mentioned earlier, a lot of ways to protect your stock market investments. Learn some tips and tricks about profitable trading practices by applying the information you gained in this article.

Read These Stock Market Tips To Make Extra Income

Although everyone is aware of the money-making potential of stock market investment, a shocking number of people dive into investing without educating themselves on the topic first. A large number of people put money into iminsiderreviews.com exposes PartyLite Review scam stocks without alot of research or thought, often times they end up with less than perfect results. If you would like to be one of the people that knows how to make wise investments, read on for some useful tips and insights.

Plan ahead carefully if you want to make as much money as you can by investing in stocks. You also will probably see more success by holding realistic expectations for your investments, as opposed to trying to predict the unforeseeable conditions that most often rule the markets. In order to maximize your profits make sure you try and hold on to your stocks as long as you can.

Stocks are more than just pieces of paper made for buying and selling. You are actually a partial owner of the company whose shares you have purchased. You are then entitled to both claims and earnings on assets. In many cases, you can vote for the board of directors.

Diversify your investments, allocating your money to different types of stock investments. It’s better to spread things out than it is to put all of your hopes into one stock. If you put all of your money into one stock, and then that stock crashes, you will be financially ruined.

An account with high interest and six months of saved salary is a good idea. That way, if you are faced with a major problem like medical emergencies or unemployment, you will still be able to meet your monthly living expenses, such as your mortgage or rent. That should tide you over while you resolve those issues.

Never invest too much of your capital fund in one stock. It is unwise to invest more in one place. With lower investment, you will greatly reduce your potential for losses.

If you’re comfortable in doing research of your own, then consider making use of an online broker. The fees to trade and commissions on these online brokers are much cheaper that a discount or full service brokerage. Since your main goal is to make a profit, having a low operating cost is ideal.

Put your money in damaged stocks, not in damaged companies. If a company has a temporary downturn, this can be a great opportunity to buy its stock at an affordable price. Just make sure the downturn is actually temporary. A company who couldn’t keep up with demand, for example, will only be facing a temporary setback. On the other hand, a drop in stock value for a company that is being investigated for fraud is probably not temporary.

This article has provided the basics about how to get started investing in stocks. You should feel more prepared to see your money get ready to grow. Always remember that in order to gain success, some amount of risks must be taken, so make sure you gain as much knowledge to limit the risk as best you can.

For Great Advice On How To Invest, Try These Helpful Tips!

Get started in the equity markets as it can be exciting. There are a lot of different ways you can invest, depending on your risk tolerance and your overall investment goals. Before you invest, general market knowledge is needed. Continue on for some helpful investing tips that can be a guide to get you started in the market.

Remember to be realistic in what your expected return is when investing. It is well-known that stock market rewards don’t happen immediately, unless you partake in high-risk trading which can result in a lot of failure. Keep this in mind, play it safe, and avoid these costly investing mistakes.

Keep in mind that there is a lot more to a stock than an abstract asset that you can buy and sell. As a shareholder, you, along with all the other company shareholders, are part of a group that collectively owns a portion of the company. You are then entitled to both claims and earnings on assets. By being a stock holder, you may also even be given the option to vote in elections where corporate leadership is being chosen.

Be sure to diversify your investments across a few different areas. The money you invest, like the proverbial eggs, should not all go into the same basket. For instance, if you invest all you have in one, single share and it does not do well, you are going to lose all of your money that you worked hard for.

If you want the maximum possible gains over a long time horizon, include in your portfolio the strongest players of multiple sectors. Even if the market, as a whole, is seeing gains, not every sector will grow every quarter. Having positions across various sectors can help you capitalize on growth of the booming industries and make your entire portfolio grow. You want to make sure you are constantly re-balancing in order to help decrease your losses in bad profit sectors while still keeping a hand in them for possible future growth cycles.

Never invest too much of your capital fund in one stock. Following this advice will limit your risk if the stock should tank.

Resist the urge to time the markets. Historically, investors who leave their money in the market for a long time achieve the best results. Figure out how much of your money you can afford to invest. Then, consistently invest and do not forget to keep up with it.

For the most flexibility, choose a brokerage company that offers both iminsiderreviews.com/control-finance-review/ online trading when you want to make independent investment decisions and full service when you do not want to choose your own stocks. This way, you can allocate a portion of funds to be managed by a pro and do the rest yourself. Using this method, you have a certain amount of control, but also professional assistance when you need it.

You will not find overnight success in stocks. In many cases, even the most valuable stocks can take a long time to show positive results. This frustrates many novice investors and tempts them to abandon their investments. In order to become a successful investor, you need to have patience.

After gaining some experience, you might be interested in learning how to short sell. This occurs when you loan stock shares. An investor will borrow shares through an agreement of delivering the same quantity of those shares at a future date. The investor sells the stock and buys it back after the price drops.

Know what your capabilities are and stay somewhat within that. If you’re investing without the help of a broker, choose companies which you know a fair amount about. You might have a gut feel about a business that manufactures your favorite personal grooming products or food items, but can you really trust your gut regarding businesses that build oil rigs, if you know nothing about them? Leave these types of investment decisions to an expert adviser.

The stock market can actually be a fun thing to get into. Regardless of whether you decide to invest in stocks, stock options, or mutual funds, you should utilize the advice that has been given to assist you in earning the high returns that you desire.

Find The Stock Market Confusing? Keep Reading

Has owning a portion of a company been a part of your dream? If you answered yes, stocks are for you! Yet before you get right to it, you have to know what it takes to be successful in the stock market. The information you need is contained in this article.

Utilize an intelligent, long-term plan to help you make as much money as you possibly can from the stock market. There is a certain amount of inevitable unpredictability to the stock market, so a reasonable plan with realistic goals will keep you focused. Hold your stocks as long as you can to make profits.

If you are the owner of some common stocks, try to participate in the voting process whenever you can. Depending on what the company’s charter says, you might have voting rights which allow you to elect board directors, or even make proposals for big company changes like a merger. You can vote at an annual shareholders’ meeting, as well as via the mail through a proxy system.

Long-term investment portfolios work best when then contain strong stocks from a diverse array of industries. Even if the market, as a whole, is seeing gains, not every sector will grow every quarter. You can grow your portfolio by capitalizing on growing industries when you have positions in multiple sectors. When individual sectors shrink, you can re-balance your portfolio to avoid excessive losses while maintaining a foothold in such sectors in anticipation of future growth.

Spread your investment money out among different stocks. Put no more than 10 percent into any one stock. Following this advice will limit your risk if the stock should tank.

An important part of investing is re-evaluating your stock portfolio periodically, such as every quarter. Because there are always fluctuations in the economy, it is important to keep your portfolio current. In very short amounts of time an industry can go from boring to booming or from booming to dropping. Depending on the time of year, some financial instruments are better investments than others. It is therefore important to keep track of your portfolio, and make adjustments as needed.

Use an online broker if you don’t mind researching stocks on your own. The trading commissions for online brokers will make it more economical than a dedicated human broker. You want to spend the least amount of money in order to make money.

Understand what you are competent in, and remain with it. If you invest directly through a self-directed online or discount brokerage, choose investments in companies for which you have researched quite a bit. If you have first hand knowledge of your landlord’s company, it can be useful information for determining future profits, but an oil rig may be beyond your understanding. If you wish to invest in a company you know nothing about, consult an adviser.

After reading this article, does investment in the stock market still sound appealing to you? If so, then prepare to take your first steps into the stock market. Remember that the information provided above will help you start investing with ease in no time.

It Actually Is Possible To Make Money With A Work From Home Business, So Let’s Get Started

There are few people that have not dreamed of the astonishing possibilities afforded by creating a work from home business. It’s great to work whenever you want and have no boss but yourself. Taking it from this idea to a functioning plan is another story, and can be helped through the following tips.

Save gas receipts and document mileage if your home business involves any driving while you are working. These travel expenses, even if they are only for a day trip, are considered to be 100% deductible. It is a good idea to keep track of the reason for the trip, in case you ever need to prove it was work related.

Giving lessons to others in your area of expertise is a great way to earn money from your home. A lot of people prefer to take lessons privately instead of through a school with rigid schedules. You could, for instance, teach art or music from home.

A great thing for your business is to obtain a post office box for business correspondence. Don’t put your home address on the Internet if you don’t have to. This will help protect the identities of you and your family.

When you work at home, strive for the same type of self-care you would perform if you were working in a professional office environment. Working from home can be fulfilling, but it can also be depressing if you don’t approach it well. Take time to exercise, don’t snack too much and shower every morning. Apply this advice to improve your image and your self image.

Do not forget to obtain business cards. You can find business card offers online for free or very cheap. Be sure that your card includes vital contact info, such as the name of your business, your phone number and your email address or website. Be sure to include your email or website address. This makes it easier for customers to contact you in different ways.

Save money by keeping good records about any expenditures you make for your business. These expenses include car mileage, gas and internet service. When you’re self employed, there are many business expenses that become tax deductible. You will be surprised how quickly small items can add up and how much money you can save.

Make sure you follow all zoning laws and other applicable laws related to your business. You can save yourself needless embarrassment and avoid fines as well. You should also keep good relations with everyone in your community. For example, keep signage tasteful and unobtrusive. Reduce traffic and noise. Do your best to remain unobtrusive.

A business plan is a crucial component you need for your work from home business. Regardless of the size of your business, it’s imperative that you lay out goals and guidelines to follow. Seeing the goals of your business laid out in front of you can help you to stay focused.

As you can see, it will require a little bit of work and dedication to make the jump. If you can manage to pull through and stick to the plan, you will be able to accurately represent your dream in the company’s image and create something that is long-lasting and profitable over the years.

Enhance Your Life With These Stock Market Tips

Stock market investing is not for the faint of heart. It is possible to make a great profit, but things can also turn sour. Use the stock market advice in the following article to make wiser investments, and earn higher profits.

Before you spend money on an investment broker, you need to do exhaustive research to ensure they’re trustworthy and reliable. Investment fraud is such a disastrous possibility that spending a little time verifying your broker’s legitimacy is well worth it.

Keep your investment expectations reasonable. Most people know that investing in the stock market doesn’t guarantee riches overnight. Have realistic expectations and you will be more likely make smart investing decisions.

Before signing up with brokers or placing investments through traders, find out the fees you must pay. And not only the entry fees, what ones will be deducted at the time of exiting, as well. You’ll be surprised how fast they add up in the long term.

Invest a maximum of 10% of your capital into any single company. This way, if the stock you have goes into free fall at a later time, the amount you have at risk is greatly reduced.

Consider short selling. This occurs when you loan stock shares. Simply put, an investor will borrow shares and enter in contract to deliver an equal amount of shares at a set date in the future. They sell their shares which can then be bought again as the price drops.

Don’t overly invest in the company that employs you. There is a great deal of risk involved with investing in the company you work for. For instance, if the company’s profit start to decline, both your monthly paycheck and the value of your investment portfolio could decrease significantly. Yet if employees get discounted shares, then you might consider investing a portion of your money.

Cash doesn’t always equal profit. All financial activities require good cash flow, and stock portfolios are no different. Although it’s fun to spend your money or reinvest it, you should make sure you have enough money available in order to pay off your bills. A good standard is having six months salary in an accessible, safe account.

Invest in large companies that offer consistent stock profits initially. In a lot of cases, investing in large companies is relatively safe and helps you build a solid portfolio. Then you can do more research and find smaller companies to invest in. Smaller companies may grow quickly, but these investments are more risky.

If you would like to save cash, try online stock trading. You will find many affordable brokers on the Internet; do not go to an expensive brokerage firm instead. Make sure to research the best deals. Think about subscribing to Fidelity or TradeKing for instance.

When analyzing a particular company, take a closer look at how its equity is associated to the voting rights inside the company. There are times in which corporate managers hold just a small percentage of the stock, while retaining a large proportion of voting authority. These are situations where you may want to avoid the market if you aren’t more knowledgeable.

If your start in the stock market is not a strong one, do not get discouraged. Stock market novices often feel a sense of disappointment when they have a setback. Success in investing usually comes with practice, knowledge and a lot more patience than most people expect, so hang in there.

There are, as was mentioned earlier, a lot of ways to protect your stock market investments. Don’t take unnecessary risks. Use the advice here to see a profit on your investments.

Proven Stock Market Tips That Anyone Can Implement

The stock market can be seriously overwhelming when you are just starting to trade. There is so much to learn, and most importantly, a lot of money you can lose if you aren’t careful. The tips provided here will assist you in making wise investments that lead to profits.

Before choosing a broker, do your homework first. Look at the resources offered online that can give you an assessment of each broker’s reputation and history. These resources are usually free. By taking the time to investigate their background, you leave yourself less open to the possibility of investment fraud.

Learn about the stock market by watching what it does. Before plunking down real money, you can avoid some of the common beginner mistakes by watching the market for a while. Three years of watching will give you all the knowledge you need. This way, you will have a better idea of exactly how the market works, and will have more chance of actually making money.

It is smart to keep a savings account with about six months’ worth of living expenses in it, set aside for emergencies. With this safety net in place, you can meet mortgage expenses and pay other bills until the matters are improved.

When targeting maximum yield portfolios, include the best stocks from various industries. Though the market, as a whole, records gains in the aggregate, individual sectors will grow at different rates. Your portfolio will grow more if you have investments in multiple areas. Rebalancing your portfolio regularly will cut down on your risks from losing stocks and sectors while aligning yourself to capitalize on future growth.

Check and recheck your portfolio often to keep it on track for success. This is important because of constant changes in both the economy and industries. Some sectors will start to do better than others, and some may become extinct. It may be wise to invest in some financial instruments than others, depending on the time period. It’s crucial to track your portfolio and make adjustments accordingly.

It is usually a waste of your effort to try timing the markets. It has been demonstrated repeatedly that spreading market investments out evenly over longer periods of time will yield superior results. All you need to do is to decide how much money you can safely afford to invest. Then, consistently invest and do not forget to keep up with it.

It is important for beginners to remember that success in the stock market should be measured in the long-term results. In many cases, even the most valuable stocks can take a long time to show positive results. This frustrates many novice investors and tempts them to abandon their investments. Always be patient when investing in stocks.

As this article has demonstrated, there are several ways for you to make profits from the stock market. Remember to research diligently and stay disciplined in your investment policy. Take advantage of the suggestions provided by iminsiderreviews.com/modere-review/ this article, and your investment efforts may soon become more profitable.

Making Money: Stock Market Advice For All Investors

Learning about stock markets is critical to making wise investment decisions and earning returns. You will need a lot of information to be able to understand the background of the stocks you will pick. Continue reading to find out how to use the market to your own advantage.

Before getting into the stock market, carefully observe it. It is always recommended to wait on making your first investment until you have studied the market for a lengthy period of time. If you are unsure of how long to study the market, try to watch it for at least three years. This way, you will have a better idea of exactly how the market works, and will have more chance of actually making money.

The simple paper you purchase when you invest in stocks are more than just paper. If you own a stock, you actually own a small part of the company, and you should take that investment seriously. This grants you rights to company earnings. In some instances, you may be able to vote on corporate leadership.

If you own shares in a company, you have the chance to vote for a company’s board of directors. You may also have a voice in whether a company may make other changes which will affect shareholder value. A lot of voting occurs annually at any given company’s shareholders’ meeting; it can also be done through proxy voting.

Ensure that your investments are spread around. You do not want to put all your eggs in one basket, as the saying goes. For example, if you invest everything you have into one share and it goes belly up, you will have lost all your hard earned money.

Don’t think of stocks as something abstract. Think of them as money invested in a company. Take time to analyze financial statements and evaluate the weaknesses and strengths of the business to asses your stock’s value. IM Insider Reviews reveals new Rodan and Fields Review scam This will let you think critically about which stocks to purchase.

Try and get stocks that will net better than 10% annually, otherwise, simpler index funds will outperform you. If the stock includes dividends you would simply add that percentage to the the growth rate percentage to determine the total likely return on the investment. A stock that yields 2% and has 12% earnings growth might give you a 14% return overall.

Timing the markets is not a good idea. History has shown that people who do best in the stock market are steadily investing equal amounts of money over a period of time. Dedicate a small percentage of disposable income to investing, at first. Then, consistently invest and do not forget to keep up with it.

When you first start to invest your money, take into account that profits don’t come right away. Many investors stop investing without realizing that it takes time for some companies to produce favorable results. Investing requires patience in order to pay off.

In order to get the greatest returns from your stock market investments, make sure you create a detailed plan outlining specific strategies, and keep a hard copy of this plan with you ever time you trade. Your plan should outline strategies which dictate when the right time to buy stocks is and when the right time to sell them. This should include clearly defined investment budgets. This helps you make the right choices with your head, rather than with your emotions.

Roth IRAs represent a very solid American investment. Even middle- and working-class citizens qualify for an IRA as long as they are earning an income. This kind of investment strategy offers many benefits in the form of tax breaks and can yield substantial income of a number of years.

If you are looking at saving money with your investments, think about trading online. You will find many affordable brokers on the Internet; do not go to an expensive brokerage firm instead. Read up on different firms to determine which are reputable and provide the types of services you’re looking for at a decent price. TradeKing and Fidelity are two excellent choices.

When investing in stocks, it is critical that you employ a sound investment strategy. You must be intelligent and well informed. Investing does not require an advanced economics degree, but those that do not stay informed are at a serious disadvantage. You may begin making money immediately if you follow the tips contained in the article.