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omes to investing your money, you’ll probably know by now that you have numerous options to choose from.

In fact, it can feel like a bit of a minefield and sometimes you may not know if you’ve made the right choice.

Should you choose a bond fund, equity fund, property fund or a money market cash fund? Or any other type of fund?

So, what is a Money Market fund?

They are essentially unit trusts that aim to provide investors with an income from risk-free, short-term cash and cash-like holdings.

Some investors have been selling their share funds and have opted for security by pouring millions into these types of funds. In our experience, this type of investor will tend not to have a proper risk assessed portfolio, rather a collection of disparate investments, and may be doing it all themselves.

The money manager of their choice will place this money into bank deposits, certificates of deposit*, very short-term fixed interest securities and floating rate notes**.

Most Money Market funds require relatively low minimum investments - typically around £500. They are also quite low-charging, typically with no initial charges and an annual management fee between 0.25% and 0.50%.

So, in short, these funds are cheap, accessible and low risk. In these turbulent investment times, what could be better?

However, if you are paying an annual fee for a Money Market fund, it would be reasonable to expect that the fund manager would beat the return available from conventional, high street savings accounts.

Unfortunately, most Money Market funds aren’t performing better than traditional savings accounts!

Just take a look at their track record performance:

1 year - 3.8%

5 Year - 15.7%

10 Year - 41.2%

Put simply, leading savings deposit accounts would do similar or better!

So what is going on here?

The problem is that some funds are taking more risk than others, which drags the averages down. Conventional Money Market funds invest in deposit accounts and short-term, high-quality debt. But, lately, some funds have taken to investing in riskier assets such as lower-grade corporate (company) debt and longer-term loans.

The idea of course is to generate a better return. The downside is that defaults are occurring more frequently and with less liquidity (yet another repercussion of the credit crunch).

As an example, one leading fund has actually produced a negative (-3.9%) return over a year. This is worrying, since these funds are supposed to protect your capital.

So, taking the scope of returns into account, these funds actually seem quite expensive in terms of running charges. What’s more, the investment strategy of some funds is hardly low-risk and consequently are all exposed to some degree of market volatility.

In addition, it is difficult to determine the quality of the debt instruments your money is being invested in. US Funds have been feeling the impact of the subprime debt crisis for some time now, with falling interest rates putting pressure on returns. So the question is; will it soon be a similar story in the UK?

Since there are a number of market-leading, easy access savings accounts that are paying interest rates of 6 - 6.5% without any market risk at all, then if you are going to invest in a Money Market Fund, on paper it may NOT be the best option for your money.

* Certificates of deposit = A time deposit (i.e. a deposit with a specified maturity) made at a bank which pays fixed or floating rates of interest. The lender receives a certificate that a deposit has been made which can then be sold in the secondary market whenever cash is needed.

** Floating Rate Notes = Bonds and other debt instruments that carry a variable (i.e. floating) rate of interest, usually linked to a reference rate such as the LIBOR.

# Source: Investment Management Association, IMA. March 2008.

The Financial Tips Bottom Line

We have written many articles on the folly of ‘jumping ship’ and having no clear investment philosophy.

It really can’t be stressed enough - be an investor, not a gambler.

ACTION POINT

If you have a Money Market Fund, review this urgently. Contact your planner or adviser, and ensure you are getting the most from your investments.

Ever wondered what money market funds are and how they can help you make the most out of your money?

Well, money market funds are fixed, short term investments in low risk holdings or securities. By law money market funds must invest in low risk mutual funds making them a good way for existing investors to diversify their interests or for newcomers to launch themselves into the marketplace.

Choosing a Money Market Fund

Money market funds can generate returns in a relatively short time span in accordance with interest rates, and can be redeemed at any time, which is why they are an ideal low risk option for people wanting to preserve their money in a volatile market.

These money market funds are essentially part of a mutual fund which invests in such things as government securities and low risk stocks and bonds. However, because money market funds are part of mutual funds they are not secured investments and are therefore not insured to cover losses.

Losses in the money market are rare as money market shares are able to consistently maintain a net asset value of $1.00 per share. The net asset value of a share is usually determined at the end of a trading day and it is only when investments perform very poorly that the value will drop below $1.00.

Investing In Money Market Funds

Some money market mutual funds can offer tax exemptions by investing in short term debts. However, before investing make sure you work out your final tax obligations.

In order to find the best mutual funds you need to consider how the investment can work for you. For example, money market funds all have a ranking in the marketplace so be sure to do your research and find out where they sit.

The next step is to work out how much money you have to invest as this will determine the best mutual funds to help you establish the portfolio you are after. There are money market directories that can be used to compare different funds and calculate expected risks.

You also need to be aware of the rates and charges that come with money market funds. Although these will differ between funds, most incur an initial sales fee, ongoing management fees and transaction fees. To be competitive money market funds will offer different packages for different classes of investors. Some packages may include a flat rate advisory fee while others will incur a fee that decreases as your portfolio value increases. Fees can also be allocated according to the value of a group of funds instead of a single fund.



Finding the Best Mutual Fund

Money market funds require compulsory professional management, undertaken by third party mutual fund managers. This means control of your fund is put into the hands of your fund manager, another reason to ensure you are choosing the right money market fund.

Mutual fund managers research different investment options and have the power to buy, sell and trade your funds on the market. A skilled fund manager will have the ability to forecast the financial viability of a certain asset or investment and make adjustments in accordance with the fund’s set financial principals.

Another major role of mutual fund managers is to predict the financial situation of the fund itself. This means managers need to calculate how much money will be entering and exiting the fund through investors in order to plan for future investments.

Like any investments, money market funds can have both positive and negative returns, but at all costs are the most low risk way of investing your money into the marketplace.

Investment in money market instruments is a common strategy that financial experts advice people who aim at building wealth to make use of.

But then, thousands of people in different occupations other than commerce or business related careers might be interested in this kind of investment but lack the way forward.

Surprisingly, even some renowned entrepreneurs or even scholars in the same field are very disoriented with what happens in the money or stock exchange markets.

Other people who currently are investors or players of the same market depend fully on the knowledge and expertise of the stockbrokers and do not strive to understand the operations.

For the sake of those needing basic information about the stock exchange markets, this article will tackle part of the substantial data that investors need to learn about.

What is a money market?

It is a well-structured system of exchange where contributors can loan and borrow huge amounts of money for a given period of time not exceeding one year.

Who can be the contributors?

Money markets are a great opportunity for governments, big institutions and other businesses to execute money.

Also the individuals with a desire to be participants but invest in smaller amounts while taking the advantage of high security and liquidity of their funds are welcome.

Why do individuals participate?

People who become participants of the money markets do it because they feel that money kept in the banks is safe but lying dormant.

If it were invested in these markets in form of the available instruments, the owners can wait until such a time when the interest rates on them are favorable and sell them.

It is the value of the next best option foregone as a result of making a decision to hold funds in cash that these participants avoids by investing in stock markets.

You see, by keeping dormant funds in the banks because you got no immediate need for it generates nothing than if the same was transacted in such a money market for a given period of time.

The instruments at the money markets

Individual investors mostly choose to buy the short-term money market instruments because these are deemed to be safer and can easily be converted to cash easily.

These can range from a day to a full year but a good percentage mature after three months or even less.

They are actively traded in the market where investors buy securities from other investors, and not from issuing companies and therefore the cash proceeds go to an investor rather than to the principal entity openly.

This is what financiers call the secondary markets, and it makes it possible for an investor to sell them ahead of end date at the current price but foregoing the interest amount that would have been gained if such instruments were held till maturity.

The pre-purchase decisions

It is very important that ahead of making a purchase decision for these instruments, you consult persons who specialize in these.

READ THE REST OF THE POST FOLLOWING THE LINK BELOW

A money market account (MMA) is a high interest savings account, which can be opened quickly and easily at almost any bank, like any regular savings account. MMA pays higher interest than a regular account, has higher minimum balance requirements, $1,000 to $2,500, and allows three to six withdrawals per month.  

The money deposited in a money market account is invested through the bank or credit union, which collects the return. The interest paid to the account beneficiary is left in the account, but the bank loans that money to other accounts by charging a slightly higher interest for the loan than the interest paid to the account beneficiary. Therefore, the bank makes money by selling money, but it offers the flexibility to the account beneficiary to get the money quickly and easily and without having to pay any sort of penalties. 

A certificate of deposit (CD) is issued by commercial banks and brokerage firms, with specified interest rate and maturity date. Maturity date may be from three months to five years and the funds may not be withdrawn on demand before the maturity date. At the end of the term, which is typically three months up to one year, the deposit is returned with interest.  

Certificates of deposit are relatively safe and account beneficiaries know the return they will receive before maturity date. CDs have higher returns than savings accounts and they protect the beneficiary from the fluctuations of the stock market. On the other hand, the returns are lower than other investments, including money market accounts and the money is tied up until maturity, without the option to get it out without paying a harsh penalty.  

Money market accounts provide greater liquidity than certificates of deposit since the beneficiary may withdraw the money at any time without penalty, but they tend to have lower interest rates than certificates of deposit. On the other hand, a certificate of deposit is purchased for quite long time. Investors know that penalties for early withdrawal are expensive depending on how much money is invested in the CD. Also, by withdrawing the money before maturity means that investors lose as much as 6 months of the interest that the investment has already earned. 

Conclusively, certificates of deposit offer an easy solution for risk-adverse investors, who want only to maintain their capital as they can calculate expected earnings on maturity. However, money market accounts are preferable. The reason is that brokerages firms automatically sweep the uninvested cash into money markets to earn interest between investments. This is ideal for the regular investors, who can use the funds immediately to purchase stocks, bonds, or mutual funds.

Financial instruments found in the debt market include:

1. Term Deposits

2. Government bonds

3. Treasury Bills (T-Bills)

4. Money Market Funds

5. Corporate Bonds and Debentures

6. Domestic Bond Funds.

In this article, we will only discuss the term deposits, government bonds, treasury bills and money market fund.

1. Term DepositsTerm Deposits are qualifying instruments for tax shelter and will share the following characteristics.

a) Short-Term Deposit: less than 1 year

b) Long-Term Deposit: to 5 years.

Interest Rate: depends on length of deposit and competitive interest rates available in the marketplace.Long-term investments are called Guaranteed Investment Certificates (GICs) and can be purchased for a lesser amount such as $500. They are also called a Certificate of Deposit (CD). Rates may vary as little as 0.10% amongst the deposit takers.Term Deposits may be cashed prior to maturity, but this may incur a penalty. GICs generally cannot be cashed before they mature, although some deposit takers are now more flexible.

2. Government saving bonds

Country residency is required and guaranteed by the country of issuer.

a) Are registered bonds that provide protection against loss, theft or destruction.

b) Are not transferable.

c) Can be purchased for a minimum of $100 to a maximum of $500,000.

d) The interest is taxable and is competitive with GICs.

e)  Mature in 10 to 12 years.

In Canada, Canadian saving bonds are issued as either R bonds or C bonds.

In US, US saving bonds are issued as series EE bonds, Series I BondsThe investment risk for government savings bonds Issued by Canadian government or US government is nil, since the bond is guaranteed by the federal government.

3) Treasury bills (T bill)Treasury bills are a short term money market instrument and issued by the federal government in terms of 30, 60, 91, 182 and 364 days. They are sold by auction.Banks and investment houses buy at wholesale in multiples of $5 million denominations. They then sell these T-Bills to brokers and investment dealers who break down their purchases into $1,000 lots.

T bills are sold discount to their face values and also sold on the secondary market and their value fluctuates depending on competitive interest rates at the times of resell.The short-term nature of T-Bills does not cause a large exposure to interest rate risk, but to some extent there is an inflation risk.If a T-Bill is sold before maturity, any gain is taxed as interest.

4. Money market fundsMoney market fund holds T bills and other short term money market contracts. Investors pool the investments through the mutual fund. Units in this fund can be bought and sold daily. Money market funds produce capital gains although their primary function is to generate interest income. Interest is generally paid monthly, while capital gains are paid annually.The benefits of money market funds include

a) Security of principal

b) Liquidity.

c) Eligible for plan registration

I hope this information will help. If you need more information, you can read the complete series of the above subject at my home page:

Kyle J. Norton

http://lifeanddisabitityinsuranceunderwriter.blogspot.com

/http://financialinvesting12.blogspot.com/

All rights reserved. Any reproducing of this article must have all the links intact.

Gold Certificates And Their Pros and Cons

What are gold certificates? They are documents that prove you are the owner of gold which you do not personally hold. Normally, such certificates are issued by financial institutions from where you buy gold, and those fiscal establishments physically store the gold for you. At least that’s how it’s supposed to work.

Holding certificates of ownership is like placing your cash in a gold pool account. You hand over your cash to the company who runs the program, and when you redeem your certificate they give you any returns you will have accrued according to the present gold price. But they may not store any physical gold for you. Rather, they are thought to use your cash, and put it into whatever they expect to get the most impressive returns instead of in gold, pay you the returns on gold, and keep the rest of their gains for themselves. That ignores the question of what occurs if they make some mistaken investment decisions and lose your money, and are unable to pay you your returns on the gold price? I don’t know. What occurs if the establishment goes bankrupt what will happen to your investment? If it’s’s not physical gold, I suspect it might disappear.

There are definitely good sides of gold certificate programs. One is that you can fundamentally invest in gold at the official spot price without needing to pay any premiums for physical metal or pay any holding charges. Those premiums and holding charges can cut into your profits quite a lot, so gold certificates are an alternative that offers you the most efficient returns.

One option for gold certificates is the Perth Mint’s gold certificate program. The Perth Mint’s program is fully protected by the government of Western Australia, which allows rather more of a sense of security than holding gold certificates from a private establishment that could go bankrupt and see your non-physical gold disappear. The Perth Mint’s gold certificate program charges 1.75% charges on all purchases plus a $10 certificate surcharge, and a 0.75% fee when you sell. This is lower than the present premiums on physical bullion which have skyrocketed in the current gold shortage. There aren’t any storage fees. There is a minimum initial investment of $5000 Australian dollars. The Mint says that every oz. you purchase remains on the premises of the mint and can’t be taken away. Your investment is both government backed and insured by Lloyds of London. This is for regular unallocated storage ( but once again they do claim to store gold on grounds for you, in some form ).

The Perth Mint additionally offers allocated gold storage programs, but this needs both storage charges and a manufacturing fee ( to mold the gold into whatever form you choose to have set aside for you ).

Whether you invest in gold certificates will rely on how much faith you are prepared to have in an institution to keep your bought metal for you. I’m personally someone that is ready for the worst-case scenario while simultaneously not paranoid, and seeking the best returns possible. Which has lead me to the conclusion that keeping a pile of physical bullion as the base of your portfolio is important, but that on top of that base it is ok to broaden and have certificates or other kinds of gold accounts that don’t have allocated storage. I personally don’t take part in the Perth Mint program or others like it, but I do have an e-gold account. I believe these are fine so long as you understand that there’s a degree of risk, and pay attention to the markets with the willingness to sell your certificates or egold if investment demand truly rises. I would personally feel very little discomfort in investing in the Perth Mint’s program, but I’d possibly stay away from a fiscal institution’s certificate program.

The firm I worked at was predominately short sellers. Short sellers are often times viewed as the villains and bullies of the market. Selling a stock short means you sell it first, hoping it goes down, then buy it back at a lower price. Shorting a stock in theory is much riskier than buying a stock. When you buy a stock you know exactly how much money you can loose, the stock could go to zero. When you short a stock it can keep going up. In theory you can loose an unlimited amount of money.

Back in the mid 1990’s, there were a lot of so called chop shop brokerage firms around. These firms had reputations for promoting companies that were not quality companies. In other words, junk companies, barely worth anything. They bought these stocks for their clients with the hope of making big commissions. Think, an off shoot of Boiler Room. These chop shop firms could pump these small junk company stocks astronomically, unloading to unsuspecting investors, usually at the highs. Most traders on Wall Street knew who the chop shops were and knew which stocks they were pumping. This allowed the top trading firms to recognize which stocks would not stay up once the bids were pulled. The key was to begin shorting these stocks as the investors were buying at the highs. It was almost a game on Wall Street for certain firms to pick the tops and ride them down. As soon as one of these chop shops came out with a new stock and it ran up on hype, we could just pile on and drive it back down. With no fundamentals behind the companies, they would crumble. In addition, as a market maker, I had a huge amount of money to utilize. The other market makers and I could pummel the stock, driving it into the ground as sellers dumped left and right. Our reputation grew with leaps and bounds. We became known as the firm that could spot these pumped plays as we would drive them into the ground making millions. Whenever we went on the offer, meaning that we wanted to sell/short the stock, our phones would ring off the hook from firms all over Wall Street. They would ask us what we knew about the stock, if we had any specific information. Our reputation grew to where other Wall Street firms would see us on the offer of a stock and just assume we were shorting it. They would follow and push it down for us. In reality, this made our job even easier. At this point, we had the best reputation on Wall Street for short sellers. We would even hear stories about chop shop brokers who would panic as soon as they saw us on the offer of their stocks they were pushing.

With our reputation for being short sellers came major recognition. In 1999, Forbes Magazine contacted our firm to particulate in their annual stock picking contest. They wanted us to give them a stock that would be a short with huge downside. I had the honor of choosing the stock for the Forbes contest. After doing a lot of research, I decided to pick a stock called FOR KIDZ ENTERTAIMENT (KIDZ). It was the hot stock at the time. They were the makers of the Pokemon cards. This was all the craze with the kids. The stock had jumped recently and as an outgoing fad, could not sustain its valuation. After picking it, the stock came tumbling down, crashing. That pick landed my firm as the winner of the contest and I was mentioned. The following year Forbes came back and asked us for another pick. Again, I chose a fad stock that the individual investor gets caught up in but never stays up. This time I chose Krispy Kreme Donuts. This once again was a craze for a short amount of time, but let’s face it, it is just a donut. The stock came tumbling down, my firm again on top of the calls. Our reputation only grew from there.

A lot has changed since then. Back in the 90’s, everyone knew each other. Each firm on the level II had a symbol. You knew who the buyers were and who the shorters were. Now everything is done by ECN’S (electronic communications network). With this network it is now impossible to know if the buyer/seller has 100 shares or 100,000 shares to trade. The one thing that has not changed and will never change is the greed and fear. This will always rule the market and will always remain the same.

Source: Lou Cardinali,

www.InTheMoneyStocks.com

The Leader In Market Technical Guidance

Mining for HR Gold Involves Four Components

Collect and organize important data.

Your company is probably already collecting the key HR information it needs to maintain business operations and meet labor regulations, but are you getting the most from that data?  Making the most of your data doesn’t only depend on the information but how it is organized and the ease of accessing it.

 Employee salaries are in your payroll system.  Reviews, training and certifications are in departmental spreadsheets (each department is collecting it differently, of course).  Company-paid benefits are located in your accounts payable system.  Your application data is with the recruiter.  Chicago data is in the Chicago office while the Dallas data is in Dallas.  You can probably see the issue now.  The data is all over the needs to be “lassoed” in order to be analyzed and used most effectively.

 An HR system is a good way to accomplish this.  Formal systems keep information centralized, standardized and consistent.  The system can also provide controlled access to this very sensitive employee data so only the appropriate people have access.

 Once the data is “lassoed” into one centralized location, it can be more easily reviewed to determine if it is adequate for the analysis needed by the company and/or other reporting agencies.

Analyze data in a meaningful way for your company.

 Achieving company goals and making your organization more effective are two of the main priorities of every business.  However, companies often do not incorporate or overlook the “real” value HR data can have on meeting these priorities.  Simply analyzing the “trendy” HR metrics may not be what your company wants.

 One key metric that is rarely analyzed, but can be quite meaningful to your business, is the costs to hire and retain an employee.  This metric is helpful when reviewing employee retention initiatives, as well as when reviewing a new line of business.  With a new line of business, all related costs need to be as complete as possible, including HR costs.  Be sure to include not only salary and benefits but training, mentoring, ramp-up time, certifications and other costs directly attributable to the employee that may not be shown on a paystub.

In addition, the “perspective” or “angle” of the data must also be considered.  For example, while reviewing employee turnover at the company level is somewhat meaningful, reviewing turnover at a department or even manager level might be much more meaningful.  At the company level, one may see high turnover as a company culture issue.  However, when a data review at the manager level reveals 80 percent of the turnover falls under one manager, or when a separate data review shows that turn-over is lower in one department than another, the real problem at the heart of employee turn-over becomes more apparent.

Business and business issues constantly change and evolve so it is important to have a periodic review of the analytical information that is most meaningful to your company.  It is also important to make sure this review is conducted by trained and reliable personnel.  A great way to make sure this happens is to form an Advisory Group to oversee the review.

Provide analysis in a timely manner to the most appropriately trained personnel.

The analysis needs to be received by the use community in a timely manner.  When the data is too old, it becomes meaningless.  If a manager needed specific data before a budget meeting and didn’t receive it until the day of, they may not have the time to effectively process the information and prepare for the meeting.

HR data is sensitive information by its nature.  It is essential that HR data be collected and managed by reliable and trustworthy employees.  Distribution of the analysis also needs to be closely monitored.  For instance, a vice president would like to investigate a new line of business and has asked to see employee costs for a similar line of business.  Whether or not they need to see specific employee names from the other business line should also be considered.  On the other hand, not giving the manager departmental turn-over information will not help improve the department’s poor performance.  So ask yourself, who would you give the employee names to?

Lastly, to appropriately use the analysis, the user needs to understand the data.  To fully understand the data, the user should be, as needed, informed on where the data comes from, how it is calculated or compiled, and what the analysis means.  If the users of the data don’t understand what they are looking at, the analysis is of no value - think of it as fool’s gold.

Hold someone accountable for the results.

Data compiled and distributed just for information sake, if it is actually read, is often reviewed in a cursory manner with no one taking ownership or responsibility for the provided information.  The employee or Advisory Group reviewing and disseminating the analysis to users must have the authority to make the business and HR changes they deem necessary to meet the organization’s main priorities.  Avoiding necessary changes in business policies, procedures and practices will result in unchanged conditions the next time the analysis is made.  This offers little or if any real value to the user community and the organization as a whole.

Next Steps

Mining HR data for analysis can involve a major time commitment and lead to significant changes in your organization.  Your company’s HR analysis will not only need input from the HR group, but also from the Executive Team, Managers and other potential recipients and providers of the data.  Keeping this in mind, you may find greater benefit if you break the analysis into small, simple projects focusing on the easiest wins.  Additional layers of complexity can be added once that first project is completed and succeeds.

Keep in mind, the implementation of each project will include asking yourself how the four components discussed above are essential to HR data mining:

How can we collect the data in a manner where we can use it for analysis? What metrics would be meaningful for analyzing our company’s effectiveness? How do we distribute the analysis? Who is accountable for changing the results that need change?

As a team and with an executable strategy, your company can turn a pile of disparate data into a pile of HR gold.

Learn How

If you would like to learn more on how Omnios can help you take advantage of your HR data, please contact Shawn Osland at 847-459-8500 ext 159.

Chances are, you already know about all the reasons that you want to read the Wall Street Journal. You may want to know what’s going on in the world or maybe you just want a decisive viewpoint when it comes to political or business matters. In any case, you already know that the Wall Street Journal is well worth the money that you spend on it, but what if you could get it for even less? This paper has a lot to offer even the casual reader, and whether your interest is casual or you are a devoted reader, you will find that there are still plenty of reasons to look into getting a discounted edition!

The truth is that there are many different ways to get a discount on your Wall Street subscription, and if you have an interest in making sure that you are going to get the best news for the best price, there are several different options for you to explore. For instance, as soon as you buy a subscription, you are already saving around seventy percent off of the news stand price. With a little bit of planning, making sure that you get the paper regularly is already a great deal!

One great way to save on your Wall Street subscription is to make sure to mention if you are a student. If you are a high school or a college student, you will find that you can get three different types of subscriptions, all lower than the average price. You can pay $19.95 for 10 weeks of both the print and online edition, $49.95 for 26 weeks of both editions, or $99.95 for a full year of both editions. This takes a full 75% off of the cover price, so take advantage of this great rate if you can.

Another way that you can get great savings if you have been a long time subscriber of the Wall Street Journal is to let your subscription lapse slightly. When you are considering what you can do in order to make sure that you are getting the best rates, you will notice that the current new subscription rates are quite good. You can currently save 50% on the first thirteen weeks, after which, the one year renewal is set at $200. This will let you get a full year of this newspaper for around $3.49 every week.

You will also find that by getting the print and the online editions together that you can get some great savings. You can get a whole year for $175 plus four free weeks as well. While this is the best deal out there, you should also keep in mind that there are a few options that will let you read the online articles completely free of charge. All you need to do is to make sure that Wall Street site believes that you are coming from a referral site like Google or Digg. You can do this simply by searching for the headline on Google or by doing some referral spoofing, which is simple to do after you have downloaded the ref spoof add on for Firefox.

Take some time to think about what you want to pay for your Wall Street subscription and see what you have to do to make that price apply to you!