Tuesday, September 25, 2012

3 Ways To Make Money From Singapore Properties

1st way - buy low, sell high
Very simple strategy. Timing is key to success for this strategy. Opportunity for buying low is during recession, when sentiments in job market and economy are low (the lower the better). This is a great time to enter the market 'coz prices will be depressed. Some investors like to buy when prices are "relatively attractive" or "affordable" according to their means. Some investors may choose to buy in only when there's signs of uptrend (so they are buying at the base of the upturn).

So how do we know whether it's the bottom? During the bad times, many will say "it's too risky, it will go lower, let's wait". Do understand that real estate is inherently an illiquid investment, as opposed to the equity market. The periodic charts / graphs / data presented (on a macro scale) will be good indicators of how the real estate market is moving. The stock market chart may show volatility (up 1 day, down the other, up 1 week, down the other) but real estate market data will trend for quite some time before peaking or bottoming (we also won't know exactly how long, that's a question which only the market has an answer to).

Many home buyers like to think that today's prices are "too expensive" relative to last month / last year's price. We will only support such thinking if the broad data shows "all-time highs", otherwise smart buyers should understand that its not only you who is buying at this "higher price". If others are buying around the same price, then it is only natural that the market forces will continue to push the prices even higher because each buyer-turned-seller will continue to ask for higher prices to gain profit, and that is how everyone plays the game (well, at least until the bubble bursts).

2nd way - buy at a discount
Simple strategy but often neglected. So, you may be curious as to where exactly can you find properties at a discount? Most real estate articles will teach you to look for foreclosures (auctions), urgent sales, etc. So, we won't say more about those.

There's another type of property which we believe can be considered as "discounted" - old apartments in worn-out condition. A word of caution - you should be somewhat interested in doing renovation works, talking to designers and contractors if you are interested in trying out this type of discounted properties. And always remember the 3 golden rules of real estate - location, location, location.

In fact, you can also find discounted properties in new condo projects as well. How so? ... stay tuned to our updates and we will tell you more =)

3rd way - buy to lease out
Rental yield (your rental returns on your property purchase) is a fundamental way many people make money from properties. If you are looking into this strategy, may we suggest purchasing 99 year leasehold properties (in a great location) instead of freehold (in the middle of nowhere)? Tenants are willing to fork out higher rental for (1) convenience, (2) comfort. Tenants will not pay you more because your property is a Freehold tenure (even if you had to pay the seller / developer more). Tenants will pay more if your property is near a subway (MRT), or has wonderful facilities, is nicely furnished and lets them hugely enjoy their limited period of stay in Singapore.

We have a list of properties near subway (MRT) which will be updated onto our blog soon. Your can stay updated on our blog via email or you can see the updates on our twitter page and facebook page as well.

Thursday, September 20, 2012

Qualities of a Good Hospitality Employee

In the world of hospitality jobs, it takes special skill and a special demeanor to excel. Any jobs where people may deal with the public on a regular basis mean that 'off-days' must be few and far between, if at all. Catering jobs, serving jobs, room attendants and banquet jobs all have the chance of worker and guest crossing paths, some much more than others. Even with dishwasher jobs, their performance can have a direct impact on how guests perceive the event and enjoy their time. All good hospitality workers exhibit certain qualities that enable them to do their jobs at a high level and keep their guests coming back for more.

If you are an employer who is looking to fill hospitality jobs, or a hospitality worker looking to get them, it pays to look for certain qualities and display certain qualities. Considering the nature of serving jobs, banquet jobs and room attendant jobs, communication must be high on the list of favorable qualities. Several different hospitality jobs see workers dealing directly with guests and customers, so the ability to communicate effectively is important.

Communication is one of the most important elements of customer service. Even with kitchen helpers and dishwasher jobs, communication behind the scenes makes everything run a lot more smoothly. Look for people who make good eye contact and speak slowly and clearly during the interview process.

The very nature of hospitality jobs dictates that you must be able to multi-task to a certain degree. Virtually all types of hospitality jobs have more than one duty, and quite often those duties overlap and run into one another. The average person may look at banquet jobs or catering jobs and wonder what all the fuss is about, but on the inside they may have two or three things going on at once.

The ability to set goals and knock off a handful of different duties at once is paramount to the success of many hospitality employees. Asking for examples of past work will help give you an indication if the candidate has the multitasking experience necessary for the position. Some positions like serving jobs may have more multitasking than dishwasher jobs.

The ability to remain calm in the face of a customer or guest giving them trouble is another important quality for hospitality jobs. Many times, an unhappy customer will let it all out on any representative of the company, including hospitality staff. When these occurrences happen, it's imperative to remain calm, whether you're working as a room attendant, kitchen helper or other banquet jobs or hospitality jobs. Dealing with irate customers is a skill that not everyone is able to master.

The temporary nature of many hospitality jobs means that flexibility is also important. Kitchen helpers, room attendants, catering jobs, serving jobs and dishwasher jobs can all change assignments at a moment's notice. Anyone working in those kinds of hospitality jobs must be able to work with the changes to be the most effective.

Monday, September 17, 2012

2013 Bass Tournaments On Lake Guntersville

Lake Guntersville, in northern Alabama, is one of the Southeast's most popular bass fishing lakes. The lake is a large impound on the Tennessee River with more than 900 miles of shoreline. A number of bass tournaments are held on Lake Guntersville each year, drawing anglers from all over the region. Here are some of the major tournaments that are scheduled for 2013.

Several FLW Bass Tournaments are scheduled. FLW is a premier tournament fishing organizer. They have a hierarchy of tournament circuits that appeal to all levels of anglers from beginners to full time professionals. Fishermen can advance to higher levels and larger payouts. The FLW Walmart Bass Fishing League, Choo Choo Division has several qualifiers on Lake Guntersville. Anglers may fish for largemouth, smallmouth, and spotted bass. Events are scheduled for February 9 and April 6 from the ramp at Goose Pond Colony in Scottsboro. April 23 and June 8 tournaments are scheduled out of Civitan Park in Guntersville. On September 28-29 there is another tournament out of Goose Pond Colony. An FLW Everstart Series Tournament, Southeast Division will take place February 28-March 2 from Lake Guntersville State Park. An FLW College Fishing Tournament is also scheduled for March 2 from the ramp at Lake Guntersville State Park.

North Alabama Tournament Anglers (NATA) holds ten monthly tournaments each year, from February-October, at different lakes in the northern part of the state. NATA is part of the Alabama Bass Federation. A February 23 Open event will be held on Lake Guntersville from Goose Pond Colony Marina in Scottsboro. A March 3 event will be held at the Honeycomb ramp, located off US Hwy 431 in Marshall County. A July 13 tournament is scheduled from Goose Pond Colony. An October 5 event will leave from the Brown's Creek ramp, off AL Hwy 69 near the city of Guntersville.

American Bassmaster Tundra Weekend Series Tournaments will take place on March 9 and September 14-15 from the ramp at Bucky Howe City Park in Guntersville. These tournaments have low entry fees and large prize payouts. There are also American Couples Series Tournaments scheduled for February 23 and July 23 from the ramp off AL Hwy 79 near Henryville. This ramp is opposite Mile Marker 370.

Big Bass Splash, presented by Sealy Outdoors and B.A.S.S., has a tournament scheduled for March 23-24 out of Goose Pond Colony. The event guarantees 5,000 in cash and prizes, with overall 1st place winning a 2013 Legend Alpha 191. Nine Xtreme Bass Series Tournaments are scheduled on Lake Guntersville in 2013. The dates are February 17, March 3 and 17, April 13 and 28, May 26, June 22, July 14, and August 4. These tournaments are all out of Goose Pond Colony in Scottsboro.

Sunday, September 16, 2012

What Moves The Forex Markets?

Investors in any market, be it securities or currencies, want to know what causes price fluctuations so they can predict when these may occur and make a profit. While stock investors research publicly traded corporations to make trading decisions, those trading Forex must consider what influences the currency exchange rates between nations. Forex can be volatile with significant fluctuations in short term prices, so it is especially important for the Forex trader to understand what drives these movements.

The Forex markets trade 24 hours a day between Sunday and Friday afternoon and the Forex market is very volatile. Just as with equities, pricing on the Forex is influenced by economic and political factors of each nations base currency. The U.S. dollar is used to back 90% of all the transactions on the Forex market and as the US economy plays such a significant role in the world economy, economic data released by the government will affect the market prices. Below are some of the prime economic news releases that Forex traders tend to look at when determining whether or not to enter a position:

1. Interest Rate Decisions
2. GDP rate increase/decrease
3. Unemployment data
4. Inflation: Consumer/Produce price
5. Retail Sales
6. Consumer Confidence Surveys
7. Business Confidence Surveys
8. Trade Balance
9. Manufacturing Confidence Surveys

However, while all of these news releases no doubt play a short term role in price movements on the Forex and other financial markets, their influence is very temporary and the prices can be short lived, hence the volatile nature of the market can make trading these instruments vert challenging.

There is another factor of course that does play a role in the movements of all financial markets and that is human behavior. Indeed, Psychology is a very significant factor in any investment decision and its effects can be studied in financial charts. Four human emotions play very big roles in the price movements on the Forex:

Greed Fear Faith Hope Greed compels even technical traders to ignore profit targets and chase a trend too far or too add to a position which can drive prices.

Fear of loss is a very common human emotion and it definitely causes many traders & investors to hold on to a losing position rather than exit for a loss. Stop Loss orders being triggered can also drive prices if they provide substantial liquidity, such as those from large institutions.

Faith - is a process where trader has such a strong belief in their trade that they just blindly hold on.

Hope, is where a trader is normally to scared to close out a losing position and just hopes it comes back. Frequently these traders will even add to a losing position, 'hoping' to make up some losses.

Technical analysis can also factor into price movements as this is part of pattern behavior, where people will react to certain patterns. Consider that if most traders are looking for the same patterns, then it is likely that price action movements will occur from those patterns, such as 50EMA hit etc.

So essentially, the market moves based on a mix of news, human psychology and technical analysis and pattern traders.

Tuesday, September 11, 2012

Rosettes As Symbols Of Accomplishments

Like the medals and trophies, rosettes are symbols of accomplishment. Throughout civilizations, these things are used to commend great achievements especially during contests. When we were little kids, Rosettes are awarded to us when we did well in class. More often, these are what are given to us during the science fairs when our inventions are able to wow the judges. In town fairs where contests on the biggest produce are usually held, these are also seen being pinned to the winning item. Rosettes, has become an undeniable accessory when it comes to rewards and recognition.

Rosettes are circular in shape with a flower-like design. It has actually been around since time immemorial. It has been initially used to design funerals or tombs of people, most especially prominent figures like queens, kings, and emperors.

No one really knows the exact path of the evolution of these things. Nowadays, anyone could make Rosettes just by following tutorials on you tube or manuals. All it takes is a little bit of creativity and you are well on your way to creating awesome Rosettes. Art papers could be used in making these. Since they come in different colours, one could already choose to use one shade or perhaps combine various ones for a more vibrant look or feel. One may need to use scissors and glue in making them. All in all, the cost in making will perhaps be cheap.

For those who choose to purchase them instead, there could be a lot of places where one can buy them. Perhaps the most convenient is making the purchase online. All it takes is a debit or credit card and one cal easily make the purchase within a few clicks. In the UK, the price of Rosettes that can be bought online can range from 1.75 to 1.95. Some designs consists of 3 tiers while others, which are usually for second place below could have two to only on tier.

The usual component of a Rosette for the first place is the colour gold. Symbolizing elegance, the said colour could be found usually in the middle of the Rosette. Some use it to design the sides or the tiers. Most commonly, it is used to mark 1st on the Rosette to better indicate the rank of the individual to which it was given.

Rosettes are simple but powerful things that can indicate triumph. It can come in different colours, sizes, number of tiers, and many more but it will forever be that simple symbol that everyone can understand.

Sunday, September 9, 2012

Can Someone Else Pay Off Your Payday Loan Debt?

As you are probably already well aware, payday loans are one of the most versatile borrowing options available in the current market. However, does this versatility extend to payments from another person?

The answer to this is largely dependent on who you choose to borrow with. Some companies will have stricter policies than others when it comes to who repays the debt, meaning that not all will be able to accommodate you. To find out whether your payday loan lender can help or not, it's important that you check their terms or contact them directly beforehand.

To avoid this issue, you may wish to pre-empt it a little and ask friends, family or whoever else may be willing to cover the loan to transfer the funds into your account before the repayment date. This way you can still benefit from somebody else paying off your debt, but without the risk of missing the agreed date with your lender.

When it comes to covering the cost of any loan, you need to make sure that there are as few obstacles as possible. Generally this means ensuring that you have the appropriate funds as and when required. Should you fail to achieve this, then you could well find yourself receiving a number of charges.

One of the major differences between payday loans and other forms of lending is that the borrower will always need to repay it in single instalment. With interest of up to 25% on top of the original figure along with any other charges, it can be quite expensive - albeit this is dependent on how much you receive in the first place.

The actual repayment will be automatically arranged for your next pay date (as long as this is within 31 days of the initial application). For most lenders, this date will be nonnegotiable; therefore it is at this point that you need to have the money. You can choose the day after your salary is deposited, just to avoid any potential issues; however, to do so you will need to clarify this at the time you first apply.

Most payday lenders will only use a single bank account to transfer funds in and out of, which is where difficulties may lie when it comes to having a secondary pay it off on your behalf. This will need to be arranged well in advance of the repayment date, otherwise you may still default. As previously mentioned, not all lenders will be able to facilitate this process, which means that you should check first.

The easiest way around this is to simply ensure, one way or another, that your bank account has the required funds. Taking out a secondary loan certainly shouldn't be done without due care and consideration, which is why you may ask someone else to cover the cost on your behalf. As such, if you are short on cash in the days leading up to the due date, make sure you ask for help; perhaps in the form of a direct bank transfer, which should take less than a day in most cases, or a cash deposit through your bank. Only then can you guarantee that you won't default or accrue the charges and additional interest that this brings.

So to summarise, only in the very rarest of cases would a secondary person be able to cover the cost of your payday loan. This would need to be arranged with the lender and may also come with an additional cost in some circumstances. Therefore, it is always advisable to have the money in your account, one way or the other.

Saturday, September 8, 2012

7 Photoshop Effects To Use In Brochure Printing

If you are using Photoshop to print brochures, then here is the list that you will probably want. Below is the big list of Photoshop effects that should help you in designing your color brochures. Not even brochure templates can teach you precisely what these are. You have to really understand these effects and see how they contribute to better looking and more powerful custom brochures.

So just read on and discover the best effects that you can use for your color brochures using Photoshop. This should be easy enough to learn.

1. Gradient overlays. One of my most favorite and most useful Photoshop effects that I use for my brochure backgrounds are the gradient overlays. A gradient is so much more better than a simple color background. Color gradients basically are areas where one color changes and blends into another from a certain distance or length. In this way, it adds a kind of subtle natural effect that is common to what many of us see in real life. Overall these gradient effects can make your color brochures look more dynamic and natural, instead of the constructed prints that you will normally see.

2. Shadow effects. Of course, a basic effect that no color brochure should do without are shadow effects. Especially if you have some pictures and even some big title effects, a shadow effect on that layer can easily make that design element pop out and become more visible. I like adding this to my big color titles, as well as the images that I want to make look like actual picture postcards.

3. Stroke effects. You should also try out the stroke effects on layers in Photoshop. This blending option for layers basically adds a border or color outline to the contours of a layer. This means that for images and text, you can basically get a great border effect. This is great especially if your text and images are blending with the background to much and you want to add some contrast to those elements.

4. Glow effects. If you want to really add some energy and excitement to your color brochure designs, then the Photoshop effect that you should use are the glow effects. Glow effects, as the name suggests adds rays of light around a layer to make it look like it is glowing. This effect is best used for special words of emphasis such as BUY NOW or FREE. As long as you want that text to really stand out and draw attention this effect is the first one you should try out.

5. Embossing effects. If you like to simulate the embossed effect such as the one you see in the text in your credit card, then the embossed blending effect in Photoshop is your option. Under the blending options, you can basically make any layer look like it is a bit bulbous and embossed. The effect basically adds a gleam effect on top of the layer and a subtle shadow element beneath. Combined it makes a layer look a bit three dimensional and of course embossed. This is actually great for button like, or bar like effects for your color brochures.

6. Texture effects. If you want certain elements of your custom brochures to look like it was made of some sort of interesting material, then the texture effects in Photoshop is the feature that you should look at. Texture filters basically will let you add material effects such as canvass effects, stone effects or even brick and cloth effects. It is also possible to download certain custom textures online to really customize your design's textures. Of course, try to choose your textures wisely since you do not want to make your design look too made up.

7. Filter effects. Finally, you also have a large array of filter effects found under the filters menu in Photoshop. These great filters can add very interesting and often far reaching effects for your color brochures. For example, you can make your brochures or its elements look like it was sketched using a colored pencil, some charcoal, or even painted and smudged in some way. Just explore the filter gallery and there should be tons of great interesting effects that you can try out, especially for the images of your custom brochures.

Hopefully you can try out all these effects as you test your designs for your color brochures. Believe me, adding these effects definitely add something to your custom brochures and they are worth trying for any kind of brochure printing that you need.

Thursday, September 6, 2012

Entrusting Shipment And Delivery Function To A Van Leasing Company To Promote Your Business Forward

Whenever the average consumer recognizes that an item is going to be shipped to her home soon (maybe it's a gift basket of flowers sent by her spouse each month on the day that they first met, a one-of-a-kind gadget ordered from local and independent toy manufacturers, or specially created batches of "It's A Girl!" cupcakes for a good friend's baby shower party), she is expecting that the items will be safely and securely deposited into her hands at the specific period and in the best overall condition. There are always less-than-inspiring stories about deliveries gone lousy that led to damage and setbacks of the sent goods, and each of these scenarios would be cause for disappointment from the client and a general distrust in the delivery company from that point on.

Businesses that center around the handling and transportation of merchandise or even services, regardless of the firm's size, could take advantage of deciding on the best vehicle to match their purposes. Small vans and trucks are ideal for being loaded with a large variety of goods and moving them to the designated addresses in good condition, which makes them worthwhile investments. Buying one of these vehicles, on the other hand, could be an excessive amount of a financial stress to correspond with the normal concerns of running a company, but it is very good to know that people who run businesses have an alternative solution when in need of a high quality vehicle or truck from dependable car manufacturers.

Based on the size and consistency of the operations, business people have the freedom to pick from the different brands of small, medium, and large vans or trucks. Van leasing deals guarantee that customers have access to modern, good quality, and presentable vehicles every time their lease agreement is renewed-a definite plus that will maintain the positive image and attention to quality of a organization. The flexible financing plans that is included in vehicle contract hires also make sure that customers are getting the best value with regards to capital and making substantial income instead of losing profits on huge standard payments and costs.

Van leasing features low deposits and low monthly obligations that happen to be fixed and correctly budgeted in order to save buyers from unforeseen changes that put them at a drawback. Customers will also have a complete tax relief on their payments because financial lease is classified as a hire contract for income tax purposes. Van leases also generally feature maintenance plans that could introduce much better savings on maintenance work. Also, when compared with getting a car, leasing a van for a small business would not leave a person with worries over downgrading value and the need to sell the vehicle after the deal is made.

Thanks to pick up truck and small van leasing, firms involved in a variety of transfer and shipping functions can experience value productivity and good quality in their choice of company vehicles. Having the ability to pick the best vehicle to get the task finished can eventually bring about customer satisfaction along with a positive track record of giving excellent services.

Monday, September 3, 2012

Thirty Billion Ounces Of Silver.....!

Hundreds of miles south of Beijing...Deep in the remote foothills beneath the Great Wall of China...An American junior mining company has made an amazing discovery.This silver strike stretches 186 miles. It could contain, by
our estimates, 30.2 billion ounces of silver.

That's enough to feed world demand for the next 32 years, according to the World Silver Survey...Enough to double current global stockpiles... 214 times.
And enough to make one tiny mining company 4 billion richer...
For now, the company trades around . But that could change, very quickly.
The value of this single, massive discovery could be enough to push the company's market cap 4,662% higher. (You'll see how in a moment.)

The time to act is right now. But you'll want to have all the information.
For example: How did a junior miner from America discover the world's biggest silver deposit halfway around the world? How does it plan to extract this massive silver vein from beneath the Great Wall of China?And how exactly could some investors turn this opportunity into huge gains, just days from now?
Here's the whole story...

The Perfect Discovery at Just the Right Time Not long ago, a small mining company realized a hard truth. The world was running out of silver. What's more, the traditional sources - like Nevada, Canada,Mexico and Peru -were drying up.Indeed, Western miners had failed to meet surging world demand for 11 straight years.

The silver stockpile had fallen from 10 billion ounces in 1950 to just 140.4 million today. That represented a 98.5% nosedive. (No wonder silver prices have doubled.) The company's answer was simple. It would exchange the
familiar fields of the West for the chance to explore China's vast, untapped reserves.The Chinese Resources Ministry was desperate for silver to feed China's booming demand. So it agreed to let this Western miner "into the tent."
Within weeks, the company was on the ground. Geologists immediately began surveying the county's central mountain range.And that's where they're they've discovered into a massive silver strike... running right beneath the Great Wall of China...

The Forgotten Treasure Below the Great Wall About 440 miles south of Beijing, the flatlands turn mountainous. Here, crisscrossing the hilltops, you'll find the ancient ruins of the Great Chu Wall. Warlords built the wall around 2,500 BCE. They wanted to defend their kingdom against invading tribes from the north.Today, only the ruins remain. Tourists still flock to the ancient landmark because of its beauty and historical importance.But the company (we'll call it the "Silver Striker") came here for another reason.

This is where scientists first noticed a strange "anomaly" on the aerial magnetic images of the area. According to the surveys, these foothills had to contain a truly massive silver strike. One that ran for miles...Geologists drilled core samples. They tested thousands of "ore chips" for silver content. They ran chemical tests on the stream beds meandering through the foothills.And according to the initial data, the strike was indeed huge. In fact, it qualified for "mother lode" status.

The discovery, they inferred, held at least 265 million ounces - worth .5 billion dollars.That's when the Striker filed its first mining claim with the Chinese Ministry of Land and Resources. But they weren't done exploring. Not by a long shot.The company's miners still had not defined the extent of the massive strike...Going "All In" and Hitting the JackpotWhy Silver Will Likely Be a MUCH Better Investment than Gold for the Next 12 Months

Gold has been breaking to new highs for months. But going forward, smart investors will get a lot richer from the silver boom.As Jim Rogers says: "Despite gold's potential,I think I will make more money in other commodities such as silver." And he's probably right. Here's why...
1. Gold/Silver Ratio: Throughout history, the gold/silver rice ratio has been 1-to-16. Today it's 1-to-67! Silver's due to catch up... If it snaps back to the historic average, prices will spike...
2. Supply Shortfalls: Last year, global silver demand hit 888 million ounces. Mining production totaled 680 million, creating a 208-million-ounce shortfall...
3. Stockpiles "Gone": Silver demand has outpaced production by 156% annually for 19 straight years. Stockpiles have tanked 57%, to just 140 million ounces... down to a four-month supply!
4. Chinese Yearly Demand: China Daily reports that demand has tripled to 2,600 tons...
4. Looming Inflation: Gold's not the only monetary "store of value." When inflation rises, silver demand rises. That's why Beijing has taken to state-sponsored Central Television, instructing all 1.3 billion citizens to buy silver bullion as an investment... now!To learn how the coming silver boom is about to make some investors very rich, please read on...

So not long ago, the Striker decided to pour the bulk of its exploration budget into the Great Wall strike - (It's plans to spend million in the first half of 2010, and another million in the second half.)Geologists continued to swarm the strike zone's 50 square kilometers of foothills.And they spared no expense.They created seismic geo-maps. They used computers to analyze chemicals in stream beds.They used special cameras to gather data - at the atomic level.

Miners blasted 78,581 meters of trenches. They drilled 280 test holes. Meanwhile, outside firms were called in to verify all the findings.They included private companies like SRK Consultants China and BK Exploration Associates. But China's bureau scientists reviewed the data, too.And they all agreed. The Striker was underestimating the discovery... by a long shot!

Super Vein Stretches at Least 186 Miles Instead of stretching 3 miles, the "super vein" stretched 30 miles.But it didn't stop there. Further surveys showed rich
veins of silver running for 87 miles... 124 miles... 131 miles and beyond.
Resource estimates grew from 52 million ounces... to 70 million... 100 million 200 million... 265 million and more. (The Striker has already secured the rights to the inferred 265 million ounces of "in ground silver!)

Finally, the company has reached the end of the strike. It stretches for 186 miles - almost the length of the Great Chu Wall.More important, the strike contains an estimated 30.2 billion ounces of silver... worth 4 billion.
Investors who get in during the early stages of this discovery could see good gains...We're talking about enough silver to increase the Striker's market cap 4,662%.Fact is, big discoveries almost always equal big gains... especially in these markets...