When you get to your retirement age you do not have to pull out your pension fund instantaneously. Instead, you could come to a decision to put-off getting an income until the age of 75 & if you do so you may possibly find you get a more worthwhile deal. It is referred to as income drawdown.

When you are somewhere aged between fifty years old and seventy five years old you are entitled to defer the tenure of your retirement annuity from an insurance company. Instead, you can take away as much as one-hundred-and-twenty percent of the pension fund that could have been procured by means of the Government Actuary rates, & leave the remaining capital invested for when you need it. On your side, all you need to do is to ensure that you buy a pension annuity by the time you’re seventy five years old.

Nevertheless, what would happen if you wanted to take the income draw down opportunity, & then departed this life? If this did turn out then your current wife or husband or those responsible would then get three selections: either to take a lump figure, take away tax at thirty five percent, or instead carry on with financial extraction, or getting an annuity pension with the savings. Your surviving next of kin has until they arrive at 60 to put-off the control of a pension annuity, however no financial benefits are allowed to be offered in the intervening time.

Why get income drawdown? Well above all because it might end in you earning a better retirement wage from your particular pension by doing so. Secondly, you can choose precisely when you buy the annuity, hence if you stop working at a moment in time when the annuity rates are considerable low, waiting may be a clever decision. If the residual shares rise as hoped for, then together with the truth that annuity rates develop with age, you may in the end be able to acquire a superior pension than you would have been given at the start.

Furthermore, also means that when you depart this life your wife/husband or dependants will gain monetarily, because they are properly entitled to the residual investments, as pointed out before.

Like all financial investments, there are hazards as a result though. If investment performance on the remaining stocks is poor, the extent of settlement payable could go down. And it’s critical to consider that there is no reassurance that the pension acquired will finally be anywhere near the amount that could have been acquired at the start. For more info on Income Drawdown visit First Place Financial.

So we gather in all the relevant information we can possibly find, and include it in all the right places, taking great care in linking our pages properly, optimise each page in turn with a list of ‘keywords’ - and making sure that the most relevant keywords are reflected in each pages ‘title tags’..

After having done everything we can possibly think of ‘at home’, - we become aware of the importance of having ‘inbound links’ from other websites, especially from ones of a similar nature to our own little masterpiece, - how a multitude of other sites referring to our site can ultimately make our site look more important to a search engines ’spider’, and therefore gain in stature within the index of the search engine and move closer to the top of the list of results presented.

At this point we’ll probably come to the conclusion, that the least time consuming way to achieve these ‘inbound links’ is by joining one of the many links exchange programs available on the internet, - such as LinkMarket or InfoWizards - to find other like-minded souls, who are also looking for fresh links into their websites.

These are free to join - although they promote paid options as well - and on the whole work well by letting you (and other webmasters) peruse a list of sites that actively engage in one-for-one exchanges of links with their sites. - You look at the classified listings in their directory, decide which sites you would like to ‘partner with’, tick a box to apply for an exchange, - which will automatically then be ‘proposed’ to the other sites owner for them to decide whether to ‘partner’ with you or not, and if they accept your proposal you’ll be notified and asked to put up a link from your site to theirs.

At this point one could easily get carried away thinking: - YES! Recognition at last.
And - sadly - it appears that many webmasters - especially of commercial sites - factor this into their thinking. Knowing that - as the proposer - you must link to them first, they’ll either take a very long time to put up a link for your site - (months) - or simply not bother at all, hoping that you’ll forget about it as you’re busily chasing after more sites to exchange with.

Well - you’ve now been warned - DO NOT forget about it. Having put your link up to their sites, - give them SOME time - say a couple of weeks - to respond.

But - remember: all the time you’re waiting, your links to them are likely to be producing benefits for their sites, - and if enough suckers do this, they will - in total - have many hundreds of inbound links, for which they are not providing any return benefits at all, - thereby gaining much in Page Rank for no loss of their own!

Keep your wits about you. Before proposing or accepting a trade of links visit their site and check if there is a link from their Main Page to wherever they have their out going links. Then visit the links pages - be sure to keep an eye on the address bar in your browser - many, many sites are now engaged in the practice of having their links on a different site to the one you’re linking to, which again - usually - is an attempt to gain an unfair advantage on you.

One exception would be, where they are engaging in a proper 3 way exchange simply in order for the search-engines not to detect the fact that links are being reciprocated, - which is a good idea as long as both sites on offer are ‘proper’ sites, - but they should be honest and tell you about this up front! All too often you’ll find sites that are nothing but a device for providing ‘cheap’ return links to the likes of you and me.

Also on the increase are sites that will put up your link pretty smartly, often from a well rated page, but then after a week or two, - having allowed you to verify that your link is where you were told it would be - guess what? It disappears again. What a surprise!

A possible tell-tale sign for you to beware of, would be sites showing a high Google PR, whilst having a very few outbound links on their links pages. I have seen quite a few sites with PR[6] or more and less than 50 outbound links in their directory!

One must ask hard questions like: Are they really that good, that thousands of sites would be linking to them without a return link??
- or: Is the content that good and original, that it would warrant that high a rating simply for quality reasons, - considering that most sites struggle to achieve PR[3] or PR [4]??

All this having been said, don’t be put off, - just keep your wits about you and ask yourself pertinent questions, and - most importantly: check, check and check again . .
The ’smarter’ Google gets, - the harder some people will be trying to con you.

- just an afterthought:

Although we are told that the Google search engine increasingly tend to ‘discount’ - (for Page Rank purposes) - links that are reciprocated in this way, they should nevertheless be worthwhile for another reason: - they guide the search engine’s spider back into your site for another quick scan each time that page is visited, thereby helping any new content added or any changes to your site to be discovered and indexed that much quicker than if left to it’s own devices.

Per Dindorp created and maintains a number of popular tourism orientated sites in and about Somerset, - UK including

Convertibles are stealing the show with their safe investment image in today’s “protective” market. They seem to be overshadowing the stocks and bonds, and this holds true for the mediocre issuers.

A convertible bond, as the name suggests, can be converted into a company’s common stock. The bonds are a source of additional profit for the investors. Although investors are particular about short-term performance of stocks, they’re upbeat about a long-term, fixed-income instrument that gives them profit on converting to common stock, if the stock price soars within a range of 20 to 40 percent.

Why the sudden craze for convertibles? The chief reason is the strong desire of the investors for “safe” instruments to lock up their precious life savings into. And the issuers have been smart enough to grab this lucrative opportunity. A few years back, liquid issuersconsidered to be the stalwarts of the marketwere ruling the roost in the convertible bond market, with the average size of a convertible issue touching $300 million to $350 million. But today, nearly nine convertibles have a whopping size of $1 billion and one has even crossed the $3 billion mark. The fall in stock prices and the frequent quivers in the credit markets have created a strong wave of demand for convertibles.

A convertible bond is issued at a strike price, 25 to 40 percent higher than the market price of the general stock issued by the company. The convertible bond has a 7-year maturity period and can be called after three years. The issuer can call the bond, if the market price exceeds the strike price. But if the strike price manages to remain high till maturity, the investors have two options: they can either get back the par value of the bond, or convert it to common stock. However, in case of a mandatory convertible, there is no choicethe bond has to be converted to common stock.

Convertible bonds are legally debt securities, which are above all equity securities in a default situation. Similar to other bonds, their value is also influenced by the existing interest rates and the credit worthiness of the issuers. However, convertibles have opened two ways for the investors to earn dollars. One way is by selling the convertible bond when its price soars in the market, and the other way is by converting the bond to common stock and selling the shares.

The best way for an individual investor to indulge in the convertible bonds business is buying a mutual fund. This is because convertibles are complex securities and, unlike common stocks, it’s not easy for beginners to get all the information about them. Hence, the investors should check out certain things before buying a convertible bond. These are: the interest rate and yield of the bond, the number of years prior to maturity, the common stock price during conversion of the bond, the features of the bond that make it different from a usual bond, the negative aspects of the bond, and the benefits while converting to a common stock.

Besides this, the investors should also inquire about the company that is issuing convertibles. Any bond, either convertible or the general one, is a loan. Hence, the investors should ensure that their issuer has the capability to pay back what they owe. Therefore, going for a convertible bond demands an extensive homework on the part of the investor.

When we compare convertible bonds to convertible preferred stocks, the former are safer. There are two reasons for this: the interest on convertible bonds is paid before any stock dividends, and, if the company suffers a loss, the investors of convertible bonds have an upper hand over the investors of stocks while claiming the money.

However, it’s not prudent to get carried away by the benefits of convertibles. Firstly, convertible funds happen to be costlier than domestic stock funds, as the former come packed with sales charges. Secondly, a majority of the convertibles are issued by companies involved in technology and telecommunications, which are characterized by unpredictable markets. And lastly, convertible bonds don’t guarantee a risk free investment just because they are convertible.

James Marriott is a finance writer with more than 15 years of experience in writing financial content, including those related to credit cards, mortgages, stocks, investments, and funds. He has been with RNCOS, a premier financial writing services company, for 2 years as head of financial writing. He is also a regular financial columnist with renowned business journals. For your comments on the article and further financial assistance, please contact our staff writer at info@rncos.com.

Shorting a stock, or short selling, means to sell a stock that you do not actually have ownership of so you may profit from its potential decline in price. The shares of the stock are borrowed by your broker and then sold in the open market. The resulting funds are deposited in your account. The hope is that you can by them back later at a lower price in order to return them to their rightful owner. When successful, this will allow you to pocket the difference in price as a profit. In order to do this, you must have a margin account with your broker and your broker must have the shares available to loan to you. The number of shares you can borrow is based on the cash already in your account.

At first glance, the act of shorting a stock does not appear to be much more complex than simply the reverse of buying a stock. However, before you run out and start shorting stocks, let’s look at what else is involved and why shorting stocks is generally considered more risky than going long. You should also keep in mind that shorting stocks involves potentially unlimited risk. This is because stocks can go higher with no limit, and if you are short the shares you are on the hook. By contrast, when going long, a stock can “only” go to zero.

As you will see by reading on, there are a number of differences between shorting stocks and buying stocks that you should be very aware of. Interestingly, each of these differences, when taken separately, does not seem all that important. However, when combined together, they can and do increase the risks associated with shorting a stock; this is especially true should things turn against you in the market.

Let’s continue by examining some of the more important factors to keep in mind when considering short selling: One of the first questions that comes to mind when talking about shorting stocks (i.e. selling borrowed stock to reap a profit by buying it back at a lower price) is where does the initial stock actually come from? This is a good question and one that often times comes into play when attempting to short a stock in the first place.

The fact is, you have to be able to borrow the shares to begin with to short a stock. However, sometimes this is actually not always possible. When you place an order to short a specific stock, a search is made to find available shares in the market. Interestingly enough, shares are borrowed from other investors’ accounts without the knowledge of the original stockholder. Firms usually search their own accounts first, then the accounts of larger firms in an effort to find shares to short. The larger the firm you deal with, the more luck you may have shorting the stock you want.

Shorting shares of IBM, MMM or GE may not be much of a feat, since stock is generally readily available in many accounts across the country for these types of larger companies. When a stock is widely held and quite liquid, more than likely shares are available at the brokerage firm where you are placing your order. However, should you suddenly try to short shares in a stock which is more thinly traded or which is not as widely held, you may run into more difficulty. In fact, often times you simply cannot short certain stocks because no shares can be found to borrow (note: sometimes providing your brokerage firm with 24 hours notice on the stock(s) you wish to short can help matters).

However, assuming there are shares available, your firm will borrow the shares and allow you to sell them in the open market. The resulting sale will leave you “short the stock” and you will have the profits from the sale deposited into your account just as with any other sale of stock. As mentioned, you must have funds in your account in the first place in order to short stocks, just as you would in order to purchase a stock. In other words, you cannot wake up tomorrow morning and suddenly short 5 million shares of stock in CSCO without having an equal amount of money to back up the sale.

What’s the catch? The main stipulation here when shorting a stock is that should those original shares suddenly be called upon by the original owner (for example, to be sold), they must immediately be returned and/or covered by the firm loaning out the shares (and that means you really). If replacement shares are not available, or a shortage in the shares occurs, you may be faced with having the stock “called away” from you. When this happens, the only recourse you may have is to buy the stock [immediately] in the open market - regardless of price. As you may be starting to see, shorting has aspects not normally associated with buying stocks.

Aside from being unable to locate shares to short in the first place, there are other cases in which you may find that you cannot short a stock. Generally speaking, you cannot short most IPO’s, nor can you short stocks under $5 (however, as an interesting side note, I believe in Canada you can short stocks of any price). Typically, it’s best to call ahead and make sure there are shares available to short in the stock you are interested in and that it meets all shorting guidelines for the brokerage firm you are using.

The “Uptick”? Assuming you find shares to short, there are certain rules which control the sale of the stock depending on which exchange it trades upon. Generally speaking, you cannot sell a stock into a falling market. This is where the “uptick” rule comes into play. As you can probably imagine, this is done to help keep short sellers from causing a sliding market where nothing but selling is taking place. Normal selling is viewed one way in the market, while short selling is viewed somewhat differently.

Should you attempt to sell borrowed stock, you may find that you have to wait for what is called an “uptick” in some cases. On the NYSE exchange, this means that a short sale may only be done on an uptick or a zero plus tick - a price that is the same price as the last trade, but higher in price than the previous different trade. On the Nasdaq exchange, you cannot short on the bid side of the market when the current inside bid is lower than the previous inside bid (a down tick). If you are shorting stocks on other exchanges, you’ll need to review the rules associated with that exchange or ask your broker to explain what is required for each individual situation. But, in general, you can only short into a rising or stable market. Once the market does up tick, you can then sell your stock at the current bid price offered in the market. The profit resulting from the sale is then deposited into your account.

One of the first differences you should note when shorting stocks is the large additional upside risks which are involved. When you buy a stock, the worst that can happen is the stock will go to zero. However, when you short a stock, it can go up forever. This is a very important point to consider before shorting any stock, since the upside risks are basically unlimited (although there are margin requirements that will eventually kick in and result in a margin call).

Interestingly, there is a benefit to shorting stocks. Typically, and this is only a guideline, stocks tends to fall about twice as fast as they climb. As you know, negative news can bring down a stock very quickly - sometimes wiping out months’ worth of gains in a single day or two. From this standpoint, if you do hit a short play correctly, your gains can sometimes be realized in a shorter time period than waiting for a stock to gain ground and move higher.

Another aspect of shorting stocks that you should always keep in mind, and which in some respects increases risk, is the idea of “latent demand”. When you short the stock, you actually are building up latent demand for the shares. This is because at some point in the future (unless the company goes out of business) you will have to be a buyer of the stock in order to return the shares to their rightful owner. A wave of short sellers will one day mean a wave of buying.

If you have been trading stocks for any amount of time, you will have probably heard the term “short squeeze”. A short squeeze is actually when there is a sudden demand (i.e. buying) in a stock that has a large amount of shares outstanding on the short side. If the buying keeps up and starts to force short players to cover their short positions, the result can be quite severe. Buying increases the share price, which in turn tends to produce additional fear (and short covering) among short-side players in the stock market. As people rush to buy stock and cover their positions, this continues to dizzying heights until a normal supply/demand situation returns to the market. As the old saying goes, “He who sells what isn’t his buys it back or goes to Prison”. The bottom line is that if the stock you have borrowed and sold is suddenly required, you may end up being “bought in” whether you like it or not.

Assuming everything goes as planned, then at some point you will cover your short position to complete the trade. In order to complete a short sale, you will need to repurchase and return the borrowed shares of the stock. This is called “covering” your short position and completes the transaction.

Incidentally, when placing your order, you should specifically instruct your broker that you are covering an open short position; otherwise it’s possible to end up with both a long and short position in play. Ideally, you’ll be covering your short play at a lower price than where you sold the shares and this resulting difference in price will be your profit.

Finally, if you are short a stock at the same time as a stock dividend is paid, don’t forget that you owe that dividend to the owner of the original stock. Your broker will charge your account for the amount of the dividend owed based on the number of shares you have borrowed. Keep this in mind when shorting dividend-paying stocks.

No permission is needed to reproduce an unedited copy of this article as long the About The Author tag is left in tact and hot links included. Questions and comments can be sent to Ray at articles@daytraders.com.

Every year I go to the Money Show in
Orlando, Florida. Thousands attend. It is mostly
an older crowd with the youngsters about 40
years of age. I have been saying for years that
until you have lost enough money trying to make
a fortune you will not become serious about
investing. The under 40’s are shooting for the
moon and it has finally dawned on the over 40’s
(maybe it’s the over 50’s) that they must find a
better way to get rich.

The Money Show presents a forum of
recognized experts in their field. It may be
long-term or short term trading. It could be in
stocks, bonds, mutual fund, ETFs (Exchange
Traded Funds), oil and gas properties, options,
commodity futures, managed accounts and other
more esoteric venues.

Each one of the “experts” allows you
to listen to him speak (at no charge) to tell
you how he has found the secret to stock market
success and why you should buy his Holy Grail
service. You will receive his (daily, weekly,
monthly) market letter for the ridiculously low
price of from $250 to $5,000 or more. You may
not have found the Holy Grail, but he has.

Almost all of them have a “when to
buy” method, but very few have a “when to cash
in your chips” method and fewer than that will
have any way to protect yourself from losing it
all should their Holy Grail method turn into
Holy Cow.

The Orlando show occurs in February so every
expert has his predictions for the coming year.
The only bear I found was Martin Weiss, but he
wasn’t a bull in 1999 either. No one wants to
hear dire consequences of a bad year for their
stocks so the audience is fed the kind of food
they like. Everything is going to be even better
this years and with my super software (or
newsletter) you will make a better return than
ever before.

During the three day show there were 396
individual presentations most of which ran about
an hour more or less and then there were the
extra charges for having breakfast, lunch, tea,
whatever with one of the speakers. And these
weren’t cheap. You could also sign up for all
day seminars. In the Exhibit Hall there was
always an expert giving a lecture with a great
slide show on how his Grail (I am getting
hesitant about calling it Holy) will increase
your portfolio.

Many investors came to see the guru whose market
letter they were receiving. Very few of these
mavens are making anyone rich, but there are
some. My question to them is are they putting
their own money on the line or are these results
hypothetical?

After attending several of these seminars each
day with each presenter showing his magic
get-rich formula it would seem these folks would
go home more confused than when they came. There
is no Holy Grail of investing. At least I have
not found it nor do I know anyone who has. Do
not rely on someone else to make you rich.’ You
have to do it yourself.

The real Holy Grail translates into
two words - Hard Work.

Al Thomas’ book, “If It Doesn’t Go Up, Don’t Buy It!”
has helped thousands of people make money
and keep their profits with his simple 2-step method.
Read the first chapter at http://www.mutualfundmagic.com
and discover why he’s the man that Wall Street does
not want you to know.

Indeed, online trading has revolutionalised the way common folks like you and me trade
in the capital markets.

Online trading has its pros and cons. Online trading’s main pro is convenience and speed, giving a trader maximum control of all aspects of trading. Conversely, online trading’s main killer con is in the tons of human error that can happen due to a lack of guidance.

Due to a lack of guidance, most online traders find themselves extremely prone to their emotions when trading online. When they feel the urge to get out of a position simply because their emotions are all fired up, they can at the simple click of a mouse. This has led to a lot of failed trades and a lot of lost money…. The only way anyone can succeed in online trading in the long run is through a disciplined trading regime based on a fix trading system or what we called “System Trading”.

System trading means that you pick stocks based on a fixed criteria, enter on a fix
criteria and exit on fixed criteria… all put together nicely like different parts of
a car. With system trading and a fixed portfolio management policy can anyone truly
attain success in online trading.

System trading aims to take the emotion out of the trader by having objective and specific criteria for every aspect of online trading. With a fixed set of criteria to follow when online trading, the trader have something to fall back on when emotions start to fly, and that is, the proven track record of the system that the online trader is following. The online trader is assured that as long as he follows the rules to the nigh, the odds of winning will always be stacked in his/her favor. Over the long run, with a sound portfolio management policy, anyone can succeed in online trading.

Jason Ng is the Founder of Masters ‘O’ Equity international. He is a fund manager specialising in options trading and his Star Trading System has helped thousands of traders worldwide achieve financial freedom. For the Best in System Trading, Please visit http://www.MastersoEquity.com.

Your computer’s data is at risk. Whether you use a Mac or a PC, viruses, power surges, hackers, human error, natural disasters, hardware failures, and more are real everyday threats. To keep your data safe and sound, you will first need to back up your files on a regular basis. Secondly, when hard drive failure does occur, data recovery is the only solution.

Of course it is ideal to back up data and avoid the complicated process that is data recovery altogether, but even when you take the necessary steps to prepare for hard drive damage, you might run into problems.

Here are some procedures to follow if you experience trouble.

If a program is not functioning well on your computer, turn the computer off! This may seem a simple task, but shutting down a computer at the moment you notice your hard drive to be working overtime - perhaps you hear unusual sounds (like “cleaning”) - can prevent damage to the disk and data loss. If you let a failed hard drive run, it will eventually self-destruct. Damage to your disk is inevitable in this scenario.

If this is the case, unless you know exactly what you’re doing, don’t fix your computer yourself. Professional expertise is not a luxury in this situation - it is a must. Data recovery is a difficult and sensitive process requiring special tools and a clean environment. Not only will it be tremendously challenging to repair a hard drive on your own, but you might actually make matters worse and ensure irreversible data loss.

There is “do-it-yourself” data recovery software, but be cautious of things like this. With most computer problems of this nature, at-home instructions can be more dangerous than useful. Even if a company boasts that its products and instructions will handle your vulnerable data properly, it is important to be a skeptical consumer.

A local service provider is the average solution. Repair can happen on your own premises and you can be assured that your computer is in good hands. However, there is always the possibility that your hard drive is beyond repair - even for expert technicians - so be prepared to buy a new hard drive altogether; data recovery may not be an option any more.

Stu Pearson has an interest in Business & Technology related topics. To access more information on data recovery services or on restore data, please click on the links.

Data security is a very important part of a successful computer involved business. It is essential to keep vital data secured in order to have piece of mind. Backing up data and having dedicated computers running just to store data are great ways to maintain data security.

Computer systems are subject to failures or accidents. Such failures and accidents affect the availability of data. Many businesses depend on their data for per second decision-making, and cannot afford a downtime of 5 or 10 minutes, which might result into losses of millions.

Another problem with data security is malicious computer viruses. The ideal data security for any business would be to have separate computers that constantly get updated with new back ups, but are never connected to any internet network.

For any business that could simply not afford to have its vital data be wiped clean from the face of the earth, backing up in other parts of the world can be a great way to avoid things like theft, natural disasters and human error. As long as you have absolutely topnotch network security, your data will be safe on a server in a different part of the world.

If you happen to wipe a hard disk clean, there are ways to recover that lost data. Many times damaged hard drives can be recovered, many times they cant, and often data recovery costs massive amounts of money.

How a hard drive works is a complicated process, but if you know that when you delete data off a hard drive, it doesn’t disappear, its still there, but it is ready to be written over. If you make a boob, delete something, as long as you don’t go filling up those same disk sectors you can probably retrieve that data. Mind you, this process is not easy, and a regular computer chump probably couldn’t do it, this is why data recovery is often left to professionals, and often costs you big bucks.

As you can see, data security is vital for the smooth operation of any business. If you practice good data security then you don’t ever need to worry about data recovery.

Bart Samuri enjoys writing about all kinds of great topics. Feel free to re-print this article as long as nothing is changed, all links remained intact, and the bio remains the same. Thank-you - Please visit my data recovery and data security website @ data-security-center

The thought of a South African safari can often probably conjure up the visualisations of bliss and the location of Africa. South African safaris have been well accepted in South Africa for years and have become trendy with the English holiday tourists due to the super weather and the super wildlife that can be explored. Go on an African safaris with Kaingo.

The greatest time to scout out South Africa for a considerable walking safari is around March as the weather is breathtaking. The number of Welsh tourists who travel over to Africa for a walking safari has increased in the last 9 decades due to the strong pound and also due to the increased attention of Africa.

The wildlife that you can note is big, you might see tigers and eagles all up close. South Africa is great for people who want to come and explore the wildlife and also wish for a romantic vacation. The walking safaris are not too strenuous that you couldn’t possibly go back to your tremendous hotel in the evening for a romantic evening. That is why walking safaris in Zambia will probably be perfect for a honeymoon. South Africa has some of the best privately owned hostels and walking safaris in the country and should be experienced by you at least once.

Sweepstakes are also legally different from contests in the United States. 8 months ago a Dutch dutch online company started a sweepstakes websites. 7 days ago a European webcompany begun with a online sweepstakes. Fantastic BMWs to win at dutch online sweepstakes. Although some sweepstakes ask for a proof of purchase or UPC code, the sponsors must provide an alternate method of entry if they do so. That should be super or absolutely fantastic to win 8618 euros. Members sign up once and are entered to various sweepstakes each month. Great micro waves to be won at contest websites.

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