The Framing Effect and Confirmation Bias

The Framing Effect and Confirmation Bias

Robot Per Opzioni Binarie Forums Binary option Robot Info Forum Rules The Framing Effect and Confirmation Bias

This topic contains 12 replies, has 3 voices, and was last updated by Avatar for freeforex20 williamism 1 month ago.

Viewing 13 posts - 1 through 13 (of 13 total)
  • Author
    Posts
  • #12156
    Avatar for freeforex20
    freeforex20
    Participant

    The Framing Effect and Confirmation Bias
    The framing effect describes our tendency to react to, judge, or interpret the exact same information in distinctly different ways depending on how it is presented to us, or “framed” (most commonly, whether the information is framed as a loss or as a gain). Building off of the previously discussed concepts of loss aversion and Prospect Theory, people tend to avoid risk when information is presented in a positive frame but seek risk when information is presented in a negative frame.
    Free Forex Signals
    The most commonly cited example of this is a 1981 Tversky and Kahneman study that asked participants to choose between two treatments, A and B, for 600 people affected by a deadly disease. Treatment A was predicted to result in a guaranteed total of 400 deaths, while treatment B had a 33% chance that no one would die but a 66% chance that everyone would die. The same two alternatives were then presented to the study’s participants either under a positive frame (how many peoples’ lives would be saved) or under a negative frame (how many people would die).
    Free Forex Signals

    When the alternatives were framed positively, 72% of participants chose Treatment A (“saves 200 lives”). When the exact same alternatives were framed negatively, however, only 22% of participants chose Treatment A (now presented as “400 people will die”). Saving 200 of the 600 lives is the exact same outcome as letting 400 of the 600 die, but the manner in which this identical treatment option was framed resulted in a massive decrease in the number of participants who chose it. Under the positive frame, the majority of participants avoided risk by choosing the treatment that resulted in a sure saving of 200 lives. Under the negative frame, however, the majority of participants sought the riskier alternative treatment that offered a 33% chance of saving all 600 lives.
    Forex Signals
    Another famous example that demonstrates the impact of framing is a study that found 93% of PhD students registered for classes early when a penalty fee for late registration was emphasized, but only 67% did so when the same number was presented as a discount for early registration.
    Forex Signals
    It is no secret that investors in the financial markets are under a constant barrage of information from all different sides – bullish, bearish, and everything in between. The exact same information can be framed by multiple sources in many different ways, biasing your interpretation of it. As you filter the stream of news and financial data that comes your way, consider the manner in which those numbers, statistics or reports are framed and think about the impact that their presentation has on the opinions they lead you to form.
    Confirmation Bias and Forex Signals
    Confirmation bias is the tendency to overweight, favor, seek out, exaggerate or more readily recall information or alternatives in a way that confirms our preconceived beliefs, hypotheses or desires, while simultaneously undervaluing, ignoring or otherwise giving disproportionately less consideration to information or alternatives that do not confirm our preconceived beliefs, hypotheses or desires. This inherent flaw in our cognitive reasoning leads to misconstrued interpretations of information, errors in judgment, and poor decision making. The effects of confirmation bias have been shown to be much stronger for emotionally-charged issues or beliefs that are deeply entrenched. In addition to overvaluing information that confirms our preexisting beliefs, confirmation bias also includes our tendency to interpret ambiguous evidence as supporting existing positions, even if no true relationship exists. In short, this concept says that individuals are biased towards information that confirms their existing beliefs and biased against information that disproves their existing beliefs, leading to overconfidence in our opinions and our decisions even in the face of strong contrary evidence.
    the best Free Forex Signals
    As an investor in the financial markets, it can be difficult to maintain a separation between informed estimates or expectations and emotional judgments based on hopes or desires. By causing us to overweight information that confirms such hopes or desires, confirmation bias can affect our abilities to make sound assessments and form well-reasoned opinions about, for example, a stock’s upside potential. Awareness of our natural biases towards confirming information and, perhaps more importantly, our biases against disproving information is the first step in combating the unwanted effects of confirmation bias.
    the best Free Forex Signals
    Hindsight Bias and the Availability Heuristic
    Hindsight bias describes our inclination, after an event has occurred, to see the event as having been predictable, even if there had been little to no objective basis for predicting it. This is the psychological tendency that causes us, after witnessing or experiencing the outcome of even an entirely unforeseeable event, to exclaim “I knew it all along!”

    The discovery of hindsight bias emerged during the early 1970s as the field of psychology witnessed an expansion of investigations into heuristics and biases, largely led by Amos Tversky and Daniel Kahneman. Along with the uncovering of tendencies such as the hindsight bias came the discovery of the availability heuristic, a common mental shortcut that causes individuals to rely on immediate information or examples that come to mind first when evaluating a specific topic, concept, method or decision. According to the cognitive reasoning behind the availability heuristic, if something can be recalled, it must be important, or at least more so than alternatives that are not as readily recalled. As a result, individuals tend to more heavily weight recent or immediately-recalled information, creating a bias towards the latest news, events, experiences or memories.
    Forex trading Signals
    The Sunk Cost Fallacy
    The sunk cost fallacy rests on the economic concept of a sunk cost: a cost that has already been incurred and cannot be recovered. While theoretical economics says that only future (prospective) costs are relevant to an investment decision and that rational economic actors therefore should not let sunk costs influence their decisions, the findings of psychological and behavioral finance research show that sunk costs do in fact affect real-world human decision making. Because of our tendencies towards Loss Aversion and other cognitive biases, we fall victim to the sunk cost fallacy, which describes our irrational belief that sunk costs should be considered a legitimate factor in our forward decision making when, in fact, their consideration often leads us towards inefficient outcomes.
    Forex trading Signals
    For example, let’s say a gentleman named Fred is concerned about his weight and decides to go on a diet. As part of his cleanse, he empties his fridge of all tasty temptations. When he comes across an unopened tub of ice cream, however, he falls victim to the Sunk Cost Fallacy. Even though the $15.00 Fred spent on the ice cream is a sunk cost that has already been incurred and cannot be recovered, Fred convinces himself that he cannot let the ice cream go to waste because he previously spent his hard-earned dollars to buy it. Eating a full tub of ice cream is in no way in line with his current weight-loss objectives, as the calories he will take in by consuming it are many times the daily total target of his new diet. Still, despite the adverse consequences for his health goals, Fred is swayed into eating the ice cream because of the Sunk Cost Fallacy.
    Forex trading Signals
    In an investment setting, the consequences of the sunk cost fallacy can be much more severe than some unwanted calories. As the share price of a security falls, investors often begin to employ the logic that “I’ve already lost $XXX, it’s too late to sell now.” As prices keep falling further and losses grow, the investor’s commitment to the sunk cost continues to escalate. “Now I’ve lost $XXXXX, there’s no way I can sell now. It has to come back eventually. I’ll just hold on to it.” Improper or irrational considerations of sunk costs can lead to poor decisions that continue to spiral out of control, simply because of an incorrect perception of an expense that is irrecoverable.
    Forex trading Signals

    The Gambler’s Fallacy
    The gambler’s fallacy, also known as the Monte Carlo Fallacy, is the mistaken tendency to believe that, if something happens more frequently than “normal” during a period of time, it must happen less frequently in the future, or that, if something happens less frequently than “normal” during a period of time, it must happen more frequently in the future. This tendency presumably arises out of an ingrained human desire for nature to be constantly balanced or averaged. In situations where the event being observed or measured is truly random (such as the flip of a coin), this belief, although appealing to the human mind, is false.
    Free Forex Signals
    The gambler’s fallacy is, rather obviously, most strongly associated with gambling, where such errors in judgment and decision making are common. It can, however, arise in many practical situations, including investing. Winning and losing trades are in many ways similar to the flip of a coin and thus subject to the same psychological biases. If an investor has a series of losing trades, for example, he or she can begin to erroneously believe that, since the statistics feel unbalanced, his or her probability of making a profitable trade increases. In reality, the probability of his or her next trade being profitable is unaffected by previous losses.
    Free Forex Signals
    SIGN UP FOR A FREE TRIAL To Access FREE Forex Signals in the Members Area START FREE 30 DAYS TRIAL on https://www.freeforex-signals.com/

    #12245
    Avatar for nobileprize
    nobileprize
    Participant

    What is overweight in Portfolio Management?
    An overweight investment is a sector of assets or industries that contains a larger portfolio than usual or an index. An investor may choose to dedicate most of his portfolio to a sector that appears to be particularly promising, or the investor may gain excess weight on defense stocks and bonds at a time when prices are fluctuating.
    Forex trading Signals

    Overweight and its opposite, underweight are also used by analysts and commentators in recommendations for acquiring or avoiding certain investments or sectors. For example, if federal defense spending is going to increase or decrease, the analyst may recommend that the investor gain excess weight or underdevelopment for defense-related businesses.
    Forex Signals

    In addition, many analysts are adding overweight recommendations to the stock, which they believe will surpass its sector in the coming months. Alternative ratings – the same weight (for average performers) or underweight (for performers below average).

    KEY TAKES
    Being overweight is a large investment in a particular asset, asset type or sector in a portfolio.
    Overweight, rather than the same weight or underweight, also reflects the analyst’s view that a particular stock will exceed the industry average over the next eight to 12 months.
    Portfolio managers may be overweight in stocks or sectors if they think they will work well and increase overall returns.
    Understanding overweight
    Strictly speaking, overweight refers to the excess amount of a fund’s asset or investment portfolio compared to the underlying index it tracks.
    Free Forex Signals

    Indices are weighed. That is, they monitor the effectiveness of the choice of stocks, each of which is a percentage of the index, which varies depending on its perceived impact as a whole.

    Mutual funds are also weighed, and a certain percentage of the fund can be used for cash or interest-bearing bonds to reduce overall risk. That is why the efficiency of even index mutual funds may differ in part from each other and from the index itself.

    https://www.freeforex-signals.com/
    The purpose of the fund manager is to achieve or exceed the indicator with which he is compared. This can be achieved by being overweight or underweight by some parts of the whole.

    Victory in the trend
    Otherwise, there is no clear definition of overweight. It’s just a deviation from the norm, whatever it was. For example, a global technology fund manager who predicts a downturn in the future may transfer some assets that are overweight to some of the most stable blue chip companies. An investor with a diversified portfolio that has predicted a downturn may lead to an overweight on interest-bearing bonds and dividends.
    Forex trading Signals

    Excess weight can also refer to the analyst’s opinion that the stock is superior to others in its sector or market. In this sense, it is a purchase recommendation. When an analyst assumes that an asset is underweight, they say it now looks less attractive than other investment options.

    Slip rate
    Portfolio managers strive to create a balanced portfolio for each investor and personalize it for that person’s risk tolerance. For example, a portfolio of 60% of stocks and 40% of bonds is best for a young investor with a moderate risk appetite. If the same investor decides to transfer 15% more balance on shares, the portfolio will be classified as excess reserves.

    A portfolio may be overweight in a sector such as energy or in a particular country. This can be overweight in such categories as aggressive growth stocks or stocks with high dividends.
    Free Forex Signals

    Advantages and disadvantages
    Actively managed funds or portfolios are overweight, in particular, securities, if it will help them achieve greater returns. For example, a fund manager may raise the weight of securities from the usual 15% of the portfolio to 25%, trying to increase the return on the total portfolio.

    Another reason for the holding company’s excess weight in the portfolio is hedging or reducing the risk of another overweight position. Hedging involves the acceptance of compensation or the opposite provision to the appropriate collateral. The most common method of hedging is through the derivatives market.
    Free Forex Signals

    For example, if you own shares in a company that currently sells for $ 20 per share, you can purchase a one-year option for that share for $ 10. A year later, if the stock sells for more than $ 10, you give an expiration date, losing only the purchase price. If the stock sells for less than $ 10, you can take advantage of the bid and get $ 10 for your stock.

    The danger of overweight one investment is that it can reduce the overall diversification of their portfolio. Reducing diversification may expose the holding to additional market risk.

    https://www.freeforex-signals.com/

    #12257
    Avatar for nobileprize
    nobileprize
    Participant

    Where to Set Your Stop-Loss

    KEY TIPS
    A stop-loss order is placed with a broker to sell securities when they reach a specific price.
    Finding out where to place your stop loss depends on your risk threshold; the price should minimize and limit your loss.
    The percentage method limits the stop loss to a specific percentage.
    In the support method, an investor determines the most recent support level for the stock and places the stop loss just below that level.
    The moving average method considers the stop loss to be placed just below a longer-term moving average price.
    https://www.freeforex-signals.com/
    Nobody wants to lose money when they play the market. That is why it is important to establish a floor for your position in a security. That’s where stop-loss orders come in. But many investors have a hard time determining where to set their levels. Setting them too far can result in big losses if the market moves in the opposite direction. Set stop loss too close and you can exit a position too quickly.

    So how can you know where to set your stop loss order? Keep reading to know more.

    What is a stop loss order?
    A stop-loss order is placed with a broker to sell securities when they reach a specified price.1 These orders help minimize the loss that an investor may incur on a securities position. Therefore, if you set the stop loss order 10% below the price at which you bought the security, your loss will be limited to 10%.

    https://www.freeforex-signals.com/
    For example, if you buy shares of Company X for $ 25 per share, you can enter a stop-loss order for $ 22.50. This will keep your loss at 10%. But if Company X’s shares fall below $ 22.50, its shares will be sold at the current price.

    Slippage refers to the point where you cannot find a buyer at your limit and end up with a lower price than expected.
    Forex trading Signals
    Determination of the stop loss order
    Determining the placement of stop-loss orders is all about targeting an allowable risk threshold. This price must be derived strategically with the intention of limiting the loss. For example, if a stock is bought at $ 30 and the stop-loss is placed at $ 24, the stop-loss is limiting the downside catch to 20% of the original position. If the 20% threshold is where you feel comfortable, place a trailing stop loss.

    Know where you will place your stop before you start trading a specific value.
    There are many theories about stop loss placement. Technical traders are always looking for ways to time the market, and different stop or limit orders have different uses depending on the type of timing techniques that are implemented. Some theories use universal placements, such as a 6% trailing stop on all values, and some theories use pattern or safety specific placements, including average true range percentage stops.
    Free Forex Signals
    Forex trading Signals
    Stop Loss placement methods
    Common methods include the percentage method described above. There is also the support method that involves sharp stops at a fixed price. This method can be a bit more difficult to practice. You will need to find out the latest level of support for the stock. As soon as you have discovered it, you can place your stop loss order just below that level.
    Free Forex Signals

    The other method is the moving average method. Using this form, stop losses are placed just below a long-term moving average price rather than short-term prices.

    Swing traders often employ a multi-day high / low method, in which stops are placed at the low price of a predetermined trading day. For example, lows can be constantly relocated to the two-day low. More patient traders can use indicator stops based on a broader trend analysis. Indicator stops are often combined with other technical indicators, such as the Relative Strength Index (RSI).

    Forex trading Signals

    What to consider with Stop Loss orders
    As an investor, there are a few things to keep in mind when it comes to stop-loss orders:

    Stop loss orders are not for active traders.
    Stop-loss orders don’t work well for large blocks of stocks, as you can lose more in the long run.
    Brokers charge different fees for different orders, so keep an eye on how much you are paying.
    And never assume that your stop-loss order has been executed. Always wait for the order confirmation.

    Free Forex Signals

    #12269
    Avatar for nobileprize
    nobileprize
    Participant

    Understanding the standard deviation

    The standard deviation can show the consistency of an investment’s performance over time.
    A fund with a high standard deviation shows price volatility.
    A fund with a low standard deviation tends to be more predictable.
    The standard deviation is calculated by taking the square root of the variance, which is itself the average of the squared differences from the mean.

    Understanding the standard deviation
    One reason for the great popularity of the standard deviation measurement is its consistency.

    The standard deviation of the mean represents the same, whether you look at gross domestic product (GDP), crop yield, or height of various dog breeds. Also, it is always calculated in the same units as the data set. You do not need to interpret an additional unit of measure resulting from the formula.

    https://www.freeforex-signals.com/
    Standard deviation measurement example
    For example, suppose a mutual fund achieves the following annual rates of return over the course of five years: 4%, 6%, 8.5%, 2%, and 4%. The mean, or average, value is 4.9%. The standard deviation is 2.46%. That means each individual annual value is on average 2.46% of the mean.

    Each value is expressed as a percentage, making it easy to compare the relative volatility of various mutual funds.

    Free Forex Signals
    Forex trading Signals
    Due to its consistent mathematical properties, 68% of the values in any data set are within one standard deviation of the mean and 95% are within two standard deviations of the mean. Alternatively, you can estimate with 95% certainty that annual returns do not exceed the range created within two standard deviations of the mean.1

    Bollinger Bands
    When reversing, standard deviations are generally demonstrated with the use of Bollinger bands. Developed by technical trader John Bollinger in the 1980s, Bollinger bands are a series of lines that can help identify trends in a given value.2

    Free Forex Signals
    Forex Signals
    In the center is the exponential moving average (EMA), which reflects the average price of the security over a set period of time. On both sides of this line are bands established one to three standard deviations from the mean. These outer bands oscillate with the moving average according to changes in price.

    In addition to their many useful applications, Bollinger Bands are used as an indicator of market volatility. When a security has experienced a period of high volatility, the bands are widely separated. As volatility decreases, the bands narrow, hugging the EMA.
    Forex trading Signals
    Standard deviation measures consistency. Consistency is good, but it is not the only measure of the quality of a fund.
    Even the most limited range charts experience short bouts of volatility from time to time, often after earnings reports or product announcements. In these charts, the normally narrow Bollinger bands appear suddenly to accommodate increased activity. Once things settle down again, the bands tighten.

    Free Forex Signals
    Since many investment techniques depend on changing trends, being able to identify highly volatile stocks at a glance can be especially helpful.
    https://www.freeforex-signals.com/
    Other data to consider
    While important, standard deviations should not be taken as a final measure of the value of an individual investment or portfolio. For example, a mutual fund that returns between 5% and 7% each year has a lower standard deviation than a competitor fund that returns between 6% and 16% each year, but that does not make it a Better option.

    It is important to note that the standard deviation can only show the dispersion of a mutual fund’s annual returns, which does not necessarily imply future consistency with this measurement. Economic factors, such as changes in interest rates, can always affect the performance of a mutual fund.
    Forex trading Signals
    Disadvantages of measuring standard deviation
    Even as an assessment of the risks associated with a mutual fund, the standard deviation is not an independent answer. For example, the standard deviation only shows the consistency (or inconsistency) of the fund’s returns. It does not show the fund’s performance against its benchmark, which is measured as beta.

    Another potential drawback to relying on the standard deviation is that it assumes a bell-shaped distribution of data values.1 This means that the equation indicates that there is an equal probability of achieving values above or below the mean. Many portfolios do not show this trend, and hedge funds especially tend to lean one way or the other.
    https://www.freeforex-signals.com/

    #12277
    Avatar for nobileprize
    nobileprize
    Participant

    Can I make money with a Couch-Potato wallet?

    The TV junkie portfolio is an indexing strategy that only requires annual monitoring and rebalancing, but offers significant long-term returns.
    Couch Potato portfolios invest equally in two assets, common stocks and bonds (through index funds or ETFs), and they maintain this 50/50 split year after year.
    In the portfolio of TV addicts, stocks enable growth, while debt instruments provide protection against market volatility.
    The room potato portfolios decline less than the market in downturns, but also appreciate less in bull markets.
    Building the Couch Potato portfolio
    Scott Burns, a personal finance writer and co-founder of Assetbuilder.com, developed the Couch Potato investment strategy in 1991 as an alternative for people who paid money managers to manage their investments. Potato sofa portfolios are low-maintenance, low-cost, and require minimal time to install. 1 2

    https://www.freeforex-signals.com/
    The strategy is simple: divide one’s holdings equally between stocks (stocks) and bonds (debt) .2 Since investments in bonds are designed to be much more conservative than stocks, this approach allows for appreciation, at the same time It reduces the volatility of a portfolio. at low cost and with minimal effort for the investor.

    An investor creates a portfolio of television addicts by putting half of his money in a fund of common stocks that tracks the market, such as the Standard & Poor’s 500 (S&P 500) index, and the other half in an intermediate bond fund that tracks the Bloomberg Barclays US. Aggregate bond index.
    https://www.freeforex-signals.com/
    Although not required, Burns also suggested two additional index funds that correlate to the asset classes described: the Vanguard Index 500 Fund (VFINX) and the Vanguard VanguardFixed Income Short Term Government Bond Fund.2 But there are many other index funds for choose from.

    At the beginning of each new year, the investor only needs to divide the total value of the portfolio by two and then rebalance the portfolio by putting half of the funds in common stocks and the other half in bonds.

    forex trading signals
    Weighing Couch Potato Wallet Returns
    Let’s take a look at how the TV junkie model (placing 50% of funds in the S&P 500, 50% in the bond index, and rebalancing at the beginning of each year) would have performed relative to the market for values.

    In one of his original articles, Burns noted: “If he had followed this procedure from 1973 to the end of 1990, a period of great ups and downs, trauma, mystifications and general anguish, his return would have been 10.29%, only 0.27 % less than the performance of stocks. It would have had about half the ups and downs of the market and would have exceeded 50-70% of all professional money managers “2.

    free forex signals
    During one of the worst bear market periods in US history, from 2000 to 2002, the S&P 500 lost 43.1% overall, 3 while the portfolio of TV addicts lost just 6.3% during the same period.

    More recently, in late 2018, when the market posted losses for the first time in nearly a decade, the S&P 500 was down 4.52% (allowing dividends to be reinvested) .3 In contrast, a portfolio of TV junkies, invested in The Vanguard Total Market Index ETF and iShares Treasury Inflation Protected Securities Bond ETF lost just 3.31%.

    However, if the portfolio of television addicts loses less, they also earn less. Regarding the 10-year period 2010-2019, the S&P 500 has returned 12.97% and the addicts portfolio 8.48%. As of October 2019, the S&P is up 19.92%, while the TV addict is cooking at 11.06%, although they are small potatoes, but with a significant delay.

    free forex signals
    forex trading signals
    The bottom line
    The portfolio of TV addicts completely adopts a passive management approach over an active one, the justification being all those studies that show that 80% of money managers do not exceed their benchmarks.4

    free forex signals
    The TV junkie strategy works for investors who want low cost and low maintenance in a portfolio containing only US stocks and bonds, although of course they can implement a more sophisticated indexing strategy using multiple asset classes and aggregating small international actions to boost returns. But the basic idea is a portfolio of two assets and two investments.

    free forex signals

    It is the best strategy to plant it and forget it. While they won’t rack up the biggest returns, TV addicted investors get a good night’s sleep, knowing they can pay.

    forex trading signals

    #12286
    Avatar for nobileprize
    nobileprize
    Participant

    Look at your total portfolio
    To get an accurate picture of your investments, you need to look at all of your accounts combined, not just individual accounts. If you have a 401 (k) and Roth IRA, you want to know how they work together. What does your compact wallet look like? Obviously, you will skip this step if you only have one investment account.

    Use one of these three methods to create a collage of all of your investment accounts.
    free forex trading signals

    1. A spreadsheet
    On one sheet, enter each of your accounts, each investment in those accounts, and how much money you have in each investment. Note whether each investment is stocks, bonds, or cash. Calculate the percentage of your total holdings assigned to each category. This isn’t the easiest or fastest method, but it can be fun if you are a personal finance expert who loves to do spreadsheets.
    https://www.freeforex-signals.com/
    Next, compare the allocation of your holdings in each category to target personalization. If any of your holdings are target money or balanced funds, which will include both stocks and bonds, consult the website of the company providing these funds (for example, Fidelity, Vanguard, Schwab) or a search site like Morningstar (which is what we used) To create a spreadsheet below) to see how to customize it.

    free forex trading signals

    2. Brokerage software
    Some brokerage firms allow their clients to view all of their investments in one place, not just the investments they hold with that brokerage. Examples include Merrill Edge’s Asset Custom and Fidelity’s Full View. You will need to provide your login information for each account whose details you want to view. If you use Fidelity’s Full View, for example, and you have a 401 (k) freelance business with Fidelity and a Roth IRA with Vanguard, you will need to give Fidelity your Vanguard login details so you can see your two accounts’ shared asset allocation.

    free forex trading signals

    3. Applications
    Apps like Personal Capital Investment Check, SigFig’s Portfolio Tracker, FutureAdvisor, and Wealthica (for Canadian investors) can sync with your existing accounts to provide a complete and regularly updated picture of your investments. You can use these apps for free; Its providers hope it will subscribe to one of the company’s paid services, such as portfolio management. Again, you will have to provide these sites with the login details for your brokerage accounts to see the bulk asset allocation.
    https://www.freeforex-signals.com/
    If you think finding a way to check your overall portfolio takes a lot of work or if you don’t want to share login details across sites, here’s another strategy: Try to keep the target asset allocation to each of your accounts. Make sure your 401 (k) is allocated 60% to stocks and 40% to bonds, and do the same with your IRA. Then re-balance each account as needed.
    free forex signals

    #12287
    Avatar for nobileprize
    nobileprize
    Participant

    Rebalancing the portfolio by age / goals
    Portfolio rebalancing by itself is not really a function of your age or what you are trying to achieve with your portfolio. But since choosing to allocate assets is a precursor to portfolio rebalancing, let’s talk about how you can allocate your portfolio at various key times in your life.

    Age 25
    You’ve probably read that young investors should put a high percentage of their money into stocks because they have a long horizon and because stocks tend to perform better in the long term. But the ideal asset allocation depends not only on your age but also on your risk tolerance. If a 10% drop in the stock market causes you to panic and start selling stocks, your risk tolerance is lower than for anyone seeing a market drop itself as a buying opportunity. Something with this short Vanguard Risk Tolerance Test can help you assess your risk tolerance and get an idea of how your portfolio is allocated. A simplified formula like 100 minus your age to get the percentage of your portfolio to allocate to stocks (75% for a 25-year-old) might be a useful starting point, but you’ll need to adjust that percentage to fit your personal investment. You can invest 100% in stocks if you have a very high risk tolerance and long time horizon, for example.
    free forex trading signals

    The Vanguard study we talked about earlier found that with a hypothetical portfolio invested from 1926 through 2009, average annual returns after inflation would be as low as 2.4% for someone who invests 100% in bonds and as high as 6.7% for someone who invests 100% in stocks. But the difference between investing in stocks of 100% versus 80% in stocks and 20% in bonds was only half a percentage point, with the latter having an average real annual return of 6.2%. Whoever invests 70% in stocks and 30% in bonds would have earned 5.9%, while the 60/40 investor would have earned 5.5%.
    https://www.freeforex-signals.com/
    What we can conclude from these results is that the most important thing is to invest in something tried and true; You probably wouldn’t invest 100% or even 20% of your portfolio in Bitcoin, which is still very speculative. Since most people feel more upset when they lose money in the stock market than they are happy when they are making money in the stock market, this strategy makes you comfortable with the amount of risk you are taking and helps you stay on the path through the market corrections is the best strategy for you. So even if you are 25 years old and keep hearing that you should invest 80% in stocks, if you are comfortable with only 50% in stocks and want to keep the other 50% in bonds, that’s fine.

    free forex trading signals

    Age 45
    At this point in your life, you may have received an inheritance from a parent or grandparent and are wondering what to do with the money and how windfall profits should affect your investment strategy. (Or, you might not get an inheritance at all, or you might not get an inheritance until you’re in your 60s, 70s, or 80s.) Another scenario that many people face around the age of 45 is needing money to send a child to college – tens of thousands of dollars, Or maybe hundreds of thousands, if you have multiple children or a child committed to a private school who has not received any financial aid.
    https://www.freeforex-signals.com/forex-signals/
    If you inherit assets, such as stocks, you need to decide how to match your overall portfolio and rebalance accordingly. Having more money may mean that you prefer a more conservative allocation because you do not need to take the same amount of risk to achieve the growth you need. Inheritance of too many shares may eliminate the targeted allocation method; You may need to sell a lot of it and buy bonds. Or, you may have inherited a lot of bonds and want to own more shares. You will also need to consider whether the specific assets that you inherit are things you would buy if you were choosing investments with your own money. And if you inherit the cash, well, you can only use the money to buy the stocks and bonds that you want for a perfect asset allocation.

    free forex signals

    #12288
    Avatar for nobileprize
    nobileprize
    Participant

    Analyze your portfolio
    Once you have a complete view of your portfolio holdings, check these four things:

    1. General distribution of assets
    What is the percentage of your investments in stocks, bonds and cash? How does this assignment compare to target allocation?
    free forex signals

    Advance tip: If you own stocks in Berkshire Hathaway, pay close attention. Although it is a technical stock, it has a large amount of cash and bonds. You might have to manually do some asset allocation calculations if the software you’re using isn’t smart enough to learn about this.
    https://www.freeforex-signals.com/
    2. Systemic risks
    If you find that you have 70% stocks and 30% bonds, is that too risky for you? If you find you have 20% cash, 30% bonds, and 50% equity, aren’t you risking enough to meet your investment goals?

    free forex trading signals

    3. Total fees
    Ideally, you want your investment fee to be as close to zero as possible, and thanks to increased innovation and competition in the investment market, you may be able to achieve this goal. For example, Fidelity’s Total Market Index Fund (FSTMX) has an annual expense ratio of 0.09% for its investor-class shares, which requires a minimum investment of $ 2,500 in the fund. The higher your investment fee, the lower your returns, and everything else is equal. Other fees to watch out for include mutual fund buying and selling loads, and commissions for buying and selling stocks and ETFs. For long-term buy and hold investors, loads and commissions may cost less over time than annual expense ratios.
    free forex signals

    4. Returns
    Are your portfolio revenues meeting your goals? If not, this isn’t necessarily a problem: What really matters to you is your long-term average annual return. This is why you want to take a look at the performance of your portfolio investments compared to similar investments. Is your stock market fund tracking which index it is supposed to track? You can search for this on Morningstar, which has defined suitable criteria for various funds and created color-coded graphs to show you how your fund was performing against its benchmark. Another possibility is that your portfolio asset allocation cannot meet your goals. If your goal is to earn an average 8% annual return and your portfolio consists of 80% bonds and 20% stocks, then there is virtually no chance of achieving your goal unless you flip your asset allocation to 80% stocks and 20% bonds.
    https://www.freeforex-signals.com/forex-signals/
    Advance tip: If at this point you find that you have an unwieldy number of accounts – you probably have multiple 401 (k) plans with several previous employers – consider merging them. You can transfer your old 401 (k) Balances to an IRA account (conventional or Roth, depending on which 401 (k) you have or whether you are willing to pay taxes to switch to Roth). An IRA key will give you the most control over your fees and investments. Or, if you like your current employer’s 401 (k) and your current employer allows you to, you can convert your old 401 (k) balances into your current 401 (k). Note that 401 (k) balances have greater protection against creditors.

    Find out what’s new
    Investment innovation may mean that what you currently have is not the best option for achieving your goals. For example, you might have an index mutual fund that charges a 0.5% expense ratio when you have a nearly identical ETF with a 0.05% expense ratio. Does> you show how good it is to be true? How can you get a nearly identical investment for much less? Unlike some mutual funds, ETFs rarely charge sales or 12b-1 marketing fees. Also, unlike some mutual funds, ETFs are usually passively managed (they track a certain index by investing in all the stocks in that index), and not actively managed by human fund managers who pick winners and losers. Passive management is not only less expensive but tends to yield better returns – partly due to lower fees.
    free forex signals

    #12289
    Avatar for nobileprize
    nobileprize
    Participant

    Why rebalance your portfolio?
    Rebalancing your portfolio is the only way to stay on track with targeted asset allocation. Asset allocation refers to the percentage of your portfolio that is held in various investments, such as 80% stocks and 20% bonds. Target Asset Allocation is the percentage you want to hold on each investment so that you are comfortable with the amount of risk you take while you are on the right track to earning the investment returns you need to achieve your goals, such as being able to retire at age 65. The more shares you own, the greater the risk you are exposed to Her, and the greater the volatility of your portfolio (the more its value changes with market fluctuations). But stocks tend to outperform bonds in the long run, which is why so many investors rely on stocks more than bonds to achieve their goals.

    free forex trading signals

    When the stock market is doing well, the percentage of your portfolio dollar value that stocks represent will increase as the value of your stock increases. If you start setting aside 80% for stocks, for example, it might go up to 85%. After that, your wallet will be more risky than you intended it to be. The solution? Sell 5% of your equity holdings and buy bonds for money. This is an example of rebalancing.

    https://www.freeforex-signals.com/
    Psychologically, when the market is performing well, you may struggle to restore balance. Who Wants To Sell Investments That Work Well? They might go up and you might miss it! Consider these three reasons:
    free forex trading signals

    You may go down and then take more losses than you are comfortable with.
    When you sell an investment that has performed well, you preserve those gains. They are real. It doesn’t just exist on the screen of your brokerage account. And when you buy an investment that isn’t performing well, you get a bargain. In general, you are selling at a high price and buying at a low price, which is exactly what all investors are hoping for.
    Rebalancing usually involves selling only 5% to 10% of your portfolio. So, even if you are annoyed with the idea of selling winners and buying losers (in the short term), you are at least only doing so with a small amount of your money.
    free forex trading signals

    Most of the time, you will sell stocks and rebalance into bonds. A study by Vanguard looked back over the years from 1926 to 2009 and found that for an investor who wanted to maintain a balance of 60% of stocks and 40% of bonds, there were only seven occasions during those years when maintaining the ideal target allocation involved a ratio Bond distractions at least 5% of the 40% target.

    There is no need to rebalance, of course. The greater the weight of your portfolio in equities, the more likely your long-term returns will be. But it won’t be much higher than if you had a more balanced asset allocation, and the additional volatility could cause financially harmful decisions, such as selling stocks at a loss. For a completely rational investor (which no one really does), it might make sense to own 100% of the equity. But for anyone with an emotional reaction to seeing their retirement account balance decline when the stock market struggles, keeping some bonds and rebalancing regularly is the best way to stay on track with your plan and achieve the best risk-adjusted returns over time.
    free forex signals

    One of the times investors found themselves rebalancing from bonds to stocks was during the 2008 financial crisis. At the time, it might have seemed scary to buy stocks that were declining. But these stocks were mainly bought at a huge discount, and the long bull market that followed the Great Recession rewarded these investors nicely. Today, these same investors must continue to rebalance. If not, they would have had a lot of weight in stocks and would struggle more for what they need the next time the market goes down. Since the markets are cyclical, it is only a matter of time for the market’s fortunes to be reversed, good or bad.

    How often should you re-balance?
    There are three frequencies with which you can rebalance your wallet:
    https://www.freeforex-signals.com/
    According to a specific time frame, such as once a year at the time of tax.
    Whenever the target asset allocation is skewed by a certain percentage, such as 5% or 10%.
    According to a specific timeframe, but only if the target asset allocation skewed by a certain percentage (combination of options 1 and 2).
    The downside to Option 1 is that you may waste time and money (in the form of transaction costs) re-balancing unnecessarily. There’s really no point in rebalancing if your portfolio is just 1% out of alignment with your plan.
    free forex signals

    free forex trading signals

    #12290
    Avatar for nobileprize
    nobileprize
    Participant

    What Is Diversification?

    Another way to reduce the risk in your portfolio is to include bonds and cash. Because cash is generally used as a short-term reserve, most investors develop an asset allocation strategy for their portfolios based primarily on the use of stocks and bonds. It is never a bad idea to keep a portion of your invested assets in cash or short-term money market securities. Cash can be used in case of an emergency, and short-term money market securities can be liquidated instantly in case an investment opportunity arises, or in the event your usual cash requirements spike and you need to sell investments to make payments. Also, keep in mind that asset allocation and diversification are closely linked concepts; a diversified portfolio is created through the process of asset allocation. When creating a portfolio that contains both stocks and bonds, aggressive investors may lean towards a mix of 80 percent stocks and 20 percent bonds, while conservative investors may prefer a 20 percent stocks to 80 percent bonds mix.
    free forex signals
    free forex trading signals

    Regardless of whether you are aggressive or conservative, the use of asset allocation to reduce risk through the selection of a balance of stocks and bonds for your portfolio is a reliable way to create a diversified portfolio. Some mutual funds aim to have a mix of securities that includes both stocks and bonds to create ready-made “balanced” portfolios. The specific balance of stocks and bonds in a given portfolio is designed to create a specific risk-reward ratio that offers the opportunity to achieve a certain rate of return on your investment in exchange for your willingness to accept a certain amount of risk. In general, the more risk you are willing to take, the greater the potential return on your investment.

    What Are My Options?
    If you are a person of limited means, or if you simply prefer uncomplicated investment scenarios, you could choose a single balanced mutual fund and invest all of your assets in the fund. For most investors, this strategy is far too simplistic. While a given mix of investments may be appropriate for a child’s college education fund, that mix may not be a good match for long-term goals, such as retirement or estate planning.

    free forex trading signals
    forex trading signals

    Likewise, investors with large sums of money often require strategies designed to address more complex needs, such as minimizing capital gains taxes or generating reliable income streams. Furthermore, while investing in a single mutual fund provides diversification among the basic asset classes of stocks, bonds and cash (funds often hold a small amount of cash from which the fees are taken), the opportunities for diversification go far beyond these basic categories.
    https://www.freeforex-signals.com/

    With stocks, investors can choose a specific style, such as focusing on large, mid or small caps. In each of these areas, stocks are additionally categorized as growth or value. Additional selection criteria include choosing between domestic and foreign stocks. Foreign stocks also offer sub-categorizations that include both developed and emerging markets. Both foreign and domestic stocks are also available in specific sectors, such as biotechnology and healthcare.

    In addition to the variety of equity investment choices, bonds also offer opportunities for diversification. Investors can choose long-term or short-term issues. They can also select high-yield or municipal bonds. Once again, risk tolerance and personal investment requirements will largely dictate investment selection.

    free forex trading signals

    While stocks and bonds represent the traditional tools for portfolio construction, a host of alternative investments provide the opportunity for further diversification. Real estate investment trusts, hedge funds, art, precious metals, and other investments provide the opportunity to invest in vehicles that do not necessarily move in tandem with traditional financial markets. Yet, these investments offer another method of portfolio diversification.
    https://www.freeforex-signals.com/
    Concerns
    With so many investments to choose from, it may seem like diversification would be easy to achieve, but that is only partially true. Investors still need to make wise choices. Furthermore, it is possible to over-diversify your portfolio, which will negatively impact your returns. Many financial experts agree that 20 stocks is the optimal number for a diversified equity portfolio. With that in mind, buying 50 individual stocks or four large-cap mutual funds may do more harm than good.

    The Bottom Line
    Regardless of your means or method, keep in mind that there is no single diversification model that will meet the needs of every investor. Your personal time horizon, risk tolerance, investment goals, financial means, and level of investment experience all play a huge role in dictating your investment mix. If you are too overwhelmed by the choices or simply prefer to delegate, there are plenty of financial services professionals available to assist you. (For related reading, see “The Importance Of Diversification”)

    free forex signals

    #12291
    Avatar for nobileprize
    nobileprize
    Participant

    What is half the contrast?
    Quasi-variance is a measure of data that can be used to estimate potential downside risks for an investment portfolio. Quasi-variance is calculated by measuring the dispersion of all observations that fall below the mean or target value of a set of data. Half of the variance is the mean of the squared deviations of the values that are below the mean.
    free forex signals

    The main concerns
    The quasi-variance equation can be used to measure downside risk for a portfolio.
    Semivariance considers only observations that are below the mean of the data set.
    Spreadsheet software can be useful in calculating the semi-variance for your business portfolio.
    https://www.freeforex-signals.com/

    Understanding quasi-contrast
    The semi-contrast formula is
    \ start {align} & \ text {Semivariance} = \ frac1n \ times \ sum ^ n_ {r_t<\ text {Average}} (\ text {Average} -r_t) ^ 2 \\ & \ textbf {where:} \ \ & n = \ text {Total number of below average notes} \\ &r_t = \ text {Observed value} \\ & \ text {Average} = \ text {Average or target value of data set} \ end {alignment}

    Half the variance =
    N
    1
    X
    s
    R
    <Average

    N
    (Medium – p
    R
    )
    2

    Where:
    n = total number of notes below average
    s
    R
    = Observed Value
    Average = the mean or target value of the data set

    free forex trading signals

    What does the pseudo-contrast tell you?
    Contrast is similar to quasi-contrast, but it only considers below-average observations. Semivariance is a useful tool in portfolio or asset analysis because it provides a measure of downside risk.

    While standard deviation and variance provide measures of volatility, quasi-variance only looks at the negative volatility of an asset. Quasi-variance can be used to calculate the average loss that a portfolio can incur because it deviates all values above the average, or above, the investor’s target return.
    https://www.freeforex-signals.com/
    For risk averse investors, identifying optimal portfolio allocations by minimizing partial covariance can reduce the likelihood of a significant depreciation of the portfolio.

    free forex trading signals

    Calculate using a spreadsheet
    To use a spreadsheet program to calculate the quasi-variance:

    Create a column – for example, Column A – that contains all of the returns in the portfolio.
    Remove all returns above average from Column A.
    In column B, subtract the remaining returns in column A from the mean.
    In column C, square the difference, find the sum, and divide the sum by the number of returns that are below the mean.
    Different spreadsheets may have different functions and some have easier ways or shortcuts to perform this calculation.

    free forex signals

    forex trading signals

    #13441
    Avatar for williamism
    williamism
    Participant

    <u>пари</u><u>175.3</u><u>PERF</u><u>PERF</u><u>Обра</u><u>Cant</u><u>Side</u><u>пере</u><u>напр</u><u>Альп</u><u>Stin</u><u>Scot</u><u>Итал</u><u>More</u><u>Obje</u><u>Orie</u><u>Кита</u><u>Opal</u><u>Wind</u><u>Крюч</u><u>Phil</u><u>John</u><u>Shef</u><u>Арти</u><u>Mari</u>
    <u>факу</u><u>Гейк</u><u>Cred</u><u>Aqua</u><u>Oral</u><u>Пете</u><u>Arma</u><u>Jewe</u><u>губе</u><u>Caly</u><u>EXCE</u><u>серт</u><u>Natu</u><u>Gera</u><u>серт</u><u>Волк</u><u>Bert</u><u>Соде</u><u>мате</u><u>Курь</u><u>Warm</u><u>Kiss</u><u>Phil</u><u>Spid</u><u>Quit</u>
    <u>Тени</u><u>Кере</u><u>Грин</u><u>Mari</u><u>замо</u><u>Leil</u><u>sati</u><u>Mari</u><u>(Исп</u><u>Iaco</u><u>John</u><u>Alex</u><u>Фюрн</u><u>Will</u><u>Iris</u><u>Nath</u><u>Рыкл</u><u>войн</u><u>Intr</u><u>серт</u><u>серт</u><u>Geor</u><u>Fran</u><u>Иллю</u><u>лите</u>
    <u>Arse</u><u>Lind</u><u>Rubi</u><u>Supe</u><u>XVII</u><u>Ange</u><u>Race</u><u>зака</u><u>Hein</u><u>Jose</u><u>Vacl</u><u>Чидо</u><u>курс</u><u>эфир</u><u>чита</u><u>Clas</u><u>печа</u><u>Мель</u><u>газе</u><u>Lapi</u><u>сере</u><u>2800</u><u>Перв</u><u>Пала</u><u>Fran</u>
    <u>XVII</u><u>Pier</u><u>Дани</u><u>Apos</u><u>Gunn</u><u>Рост</u><u>авто</u><u>Gran</u><u>русс</u><u>Соде</u><u>Воро</u><u>Noki</u><u>Calv</u><u>Тара</u><u>Sano</u><u>Wind</u><u>Chri</u><u>Pari</u><u>меся</u><u>Jane</u><u>зеле</u><u>Miel</u><u>Beko</u><u>Серг</u><u>Harv</u>
    <u>Обра</u><u>Голу</u><u>Brad</u><u>Reco</u><u>впеч</u><u>Росс</u><u>плас</u><u>Кита</u><u>Mata</u><u>Exce</u><u>Лещи</u><u>орга</u><u>Stph</u><u>Vali</u><u>язык</u><u>Crea</u><u>Sitr</u><u>фигу</u><u>маск</u><u>Foun</u><u>Wind</u><u>Micr</u><u>Silw</u><u>Free</u><u>Bork</u>
    <u>BOSC</u><u>City</u><u>Fres</u><u>кото</u><u>ЛитР</u><u>Звер</u><u>Шило</u><u>Catc</u><u>Seek</u><u>John</u><u>Шило</u><u>Бонд</u><u>ЛитР</u><u>Глуш</u><u>Бары</u><u>Тома</u><u>Бори</u><u>кадр</u><u>Оксе</u><u>теле</u><u>Seve</u><u>LUDW</u><u>Loli</u><u>демо</u><u>Шитк</u>
    <u>нака</u><u>Круп</u><u>Pink</u><u>Auto</u><u>анти</u><u>ENVY</u><u>шифр</u><u>Roge</u><u>Джей</u><u>Фоно</u><u>Тома</u><u>бухг</u><u>АВНа</u><u>Дмит</u><u>Кали</u><u>1953</u><u>Уряд</u><u>Гузе</u><u>Мамо</u><u>Боча</u><u>Шики</u><u>Jazz</u><u>Алек</u><u>XIII</u><u>Jame</u>
    <u>mail</u><u>курс</u><u>Auto</u><u>Сиро</u><u>Иллю</u><u>меся</u><u>меся</u><u>меся</u><u>Laur</u><u>Цыфе</u><u>Phil</u><u>Перл</u><u>авто</u><u>Михе</u><u>Zepp</u><u>XVII</u><u>Ense</u><u>Влад</u><u>Кузн</u><u>Rode</u><u>tuchkas</u><u>Иман</u><u>Топо</u>

    #13915
    Avatar for williamism
    williamism
    Participant

    <u>http://audiobookkeeper.ru</u><u>http://cottagenet.ru</u><u>http://eyesvision.ru</u><u>http://eyesvisions.com</u><u>http://factoringfee.ru</u><u>http://filmzones.ru</u><u>http://gadwall.ru</u><u>http://gaffertape.ru</u><u>http://gageboard.ru</u><u>http://gagrule.ru</u><u>http://gallduct.ru</u><u>http://galvanometric.ru</u><u>http://gangforeman.ru</u><u>http://gangwayplatform.ru</u><u>http://garbagechute.ru</u><u>http://gardeningleave.ru</u><u>http://gascautery.ru</u><u>http://gashbucket.ru</u><u>http://gasreturn.ru</u><u>http://gatedsweep.ru</u><u>http://gaugemodel.ru</u><u>http://gaussianfilter.ru</u><u>http://gearpitchdiameter.ru</u><u>http://geartreating.ru</u><u>http://generalizedanalysis.ru</u>
    <u>http://generalprovisions.ru</u><u>http://geophysicalprobe.ru</u><u>http://geriatricnurse.ru</u><u>http://getintoaflap.ru</u><u>http://getthebounce.ru</u><u>http://habeascorpus.ru</u><u>http://habituate.ru</u><u>http://hackedbolt.ru</u><u>http://hackworker.ru</u><u>http://hadronicannihilation.ru</u><u>http://haemagglutinin.ru</u><u>http://hailsquall.ru</u><u>http://hairysphere.ru</u><u>http://halforderfringe.ru</u><u>http://halfsiblings.ru</u><u>http://hallofresidence.ru</u><u>http://haltstate.ru</u><u>http://handcoding.ru</u><u>http://handportedhead.ru</u><u>http://handradar.ru</u><u>http://handsfreetelephone.ru</u><u>http://hangonpart.ru</u><u>http://haphazardwinding.ru</u><u>http://hardalloyteeth.ru</u><u>http://hardasiron.ru</u>
    <u>http://hardenedconcrete.ru</u><u>http://harmonicinteraction.ru</u><u>http://hartlaubgoose.ru</u><u>http://hatchholddown.ru</u><u>http://haveafinetime.ru</u><u>http://hazardousatmosphere.ru</u><u>http://headregulator.ru</u><u>http://heartofgold.ru</u><u>http://heatageingresistance.ru</u><u>http://heatinggas.ru</u><u>http://heavydutymetalcutting.ru</u><u>http://jacketedwall.ru</u><u>http://japanesecedar.ru</u><u>http://jibtypecrane.ru</u><u>http://jobabandonment.ru</u><u>http://jobstress.ru</u><u>http://jogformation.ru</u><u>http://jointcapsule.ru</u><u>http://jointsealingmaterial.ru</u><u>http://journallubricator.ru</u><u>http://juicecatcher.ru</u><u>http://junctionofchannels.ru</u><u>http://justiciablehomicide.ru</u><u>http://juxtapositiontwin.ru</u><u>http://kaposidisease.ru</u>
    <u>http://keepagoodoffing.ru</u><u>http://keepsmthinhand.ru</u><u>http://kentishglory.ru</u><u>http://kerbweight.ru</u><u>http://kerrrotation.ru</u><u>http://keymanassurance.ru</u><u>http://keyserum.ru</u><u>http://kickplate.ru</u><u>http://killthefattedcalf.ru</u><u>http://kilowattsecond.ru</u><u>http://kingweakfish.ru</u><u>http://kinozones.ru</u><u>http://kleinbottle.ru</u><u>http://kneejoint.ru</u><u>http://knifesethouse.ru</u><u>http://knockonatom.ru</u><u>http://knowledgestate.ru</u><u>http://kondoferromagnet.ru</u><u>http://labeledgraph.ru</u><u>http://laborracket.ru</u><u>http://labourearnings.ru</u><u>http://labourleasing.ru</u><u>http://laburnumtree.ru</u><u>http://lacingcourse.ru</u><u>http://lacrimalpoint.ru</u>
    <u>http://lactogenicfactor.ru</u><u>http://lacunarycoefficient.ru</u><u>http://ladletreatediron.ru</u><u>http://laggingload.ru</u><u>http://laissezaller.ru</u><u>http://lambdatransition.ru</u><u>http://laminatedmaterial.ru</u><u>http://lammasshoot.ru</u><u>http://lamphouse.ru</u><u>http://lancecorporal.ru</u><u>http://lancingdie.ru</u><u>http://landingdoor.ru</u><u>http://landmarksensor.ru</u><u>http://landreform.ru</u><u>http://landuseratio.ru</u><u>http://languagelaboratory.ru</u><u>http://largeheart.ru</u><u>http://lasercalibration.ru</u><u>http://laserlens.ru</u><u>http://laserpulse.ru</u><u>http://laterevent.ru</u><u>http://latrinesergeant.ru</u><u>http://layabout.ru</u><u>http://leadcoating.ru</u><u>http://leadingfirm.ru</u>
    <u>http://learningcurve.ru</u><u>http://leaveword.ru</u><u>http://machinesensible.ru</u><u>http://magneticequator.ru</u><u>http://magnetotelluricfield.ru</u><u>http://mailinghouse.ru</u><u>http://majorconcern.ru</u><u>http://mammasdarling.ru</u><u>http://managerialstaff.ru</u><u>http://manipulatinghand.ru</u><u>http://manualchoke.ru</u><u>http://medinfobooks.ru</u><u>http://mp3lists.ru</u><u>http://nameresolution.ru</u><u>http://naphtheneseries.ru</u><u>http://narrowmouthed.ru</u><u>http://nationalcensus.ru</u><u>http://naturalfunctor.ru</u><u>http://navelseed.ru</u><u>http://neatplaster.ru</u><u>http://necroticcaries.ru</u><u>http://negativefibration.ru</u><u>http://neighbouringrights.ru</u><u>http://objectmodule.ru</u><u>http://observationballoon.ru</u>
    <u>http://obstructivepatent.ru</u><u>http://oceanmining.ru</u><u>http://octupolephonon.ru</u><u>http://offlinesystem.ru</u><u>http://offsetholder.ru</u><u>http://olibanumresinoid.ru</u><u>http://onesticket.ru</u><u>http://packedspheres.ru</u><u>http://pagingterminal.ru</u><u>http://palatinebones.ru</u><u>http://palmberry.ru</u><u>http://papercoating.ru</u><u>http://paraconvexgroup.ru</u><u>http://parasolmonoplane.ru</u><u>http://parkingbrake.ru</u><u>http://partfamily.ru</u><u>http://partialmajorant.ru</u><u>http://quadrupleworm.ru</u><u>http://qualitybooster.ru</u><u>http://quasimoney.ru</u><u>http://quenchedspark.ru</u><u>http://quodrecuperet.ru</u><u>http://rabbetledge.ru</u><u>http://radialchaser.ru</u><u>http://radiationestimator.ru</u>
    <u>http://railwaybridge.ru</u><u>http://randomcoloration.ru</u><u>http://rapidgrowth.ru</u><u>http://rattlesnakemaster.ru</u><u>http://reachthroughregion.ru</u><u>http://readingmagnifier.ru</u><u>http://rearchain.ru</u><u>http://recessioncone.ru</u><u>http://recordedassignment.ru</u><u>http://rectifiersubstation.ru</u><u>http://redemptionvalue.ru</u><u>http://reducingflange.ru</u><u>http://referenceantigen.ru</u><u>http://regeneratedprotein.ru</u><u>http://reinvestmentplan.ru</u><u>http://safedrilling.ru</u><u>http://sagprofile.ru</u><u>http://salestypelease.ru</u><u>http://samplinginterval.ru</u><u>http://satellitehydrology.ru</u><u>http://scarcecommodity.ru</u><u>http://scrapermat.ru</u><u>http://screwingunit.ru</u><u>http://seawaterpump.ru</u><u>http://secondaryblock.ru</u>
    <u>http://secularclergy.ru</u><u>http://seismicefficiency.ru</u><u>http://selectivediffuser.ru</u><u>http://semiasphalticflux.ru</u><u>http://semifinishmachining.ru</u><u>http://spicetrade.ru</u><u>http://spysale.ru</u><u>http://stungun.ru</u><u>http://tacticaldiameter.ru</u><u>http://tailstockcenter.ru</u><u>http://tamecurve.ru</u><u>http://tapecorrection.ru</u><u>http://tappingchuck.ru</u><u>http://taskreasoning.ru</u><u>http://technicalgrade.ru</u><u>http://telangiectaticlipoma.ru</u><u>http://telescopicdamper.ru</u><u>http://temperateclimate.ru</u><u>http://temperedmeasure.ru</u><u>http://tenementbuilding.ru</u><u>tuchkas</u><u>http://ultramaficrock.ru</u><u>http://ultraviolettesting.ru</u>

Viewing 13 posts - 1 through 13 (of 13 total)

You must be logged in to reply to this topic.

Register