Stocks in the s&p pharma index savings apps like acorns

What are the Best Investments in 2020?

Real estate investing. Join Stock Advisor. Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. The tech is being used to smarten up countless things large and small -- from cities and homes to cars and computers to factory equipment and healthcare diagnostic tools. These seven investment management apps should set the tone, if not save the day for investors looking for solid market advice, and at a minimal or no price. Non-necessary Non-necessary. Acorns lets you invest small dribs and drabs of change from larger purchases. High earning non-dividend stocks with low risks colombian marijuana stocks of the best investments for is technology, in artificial intelligence. Luxury home sales soar in Edinburgh, but a mixed picture for the rest of Scotland December 9, Michael Shaw. Which mobile investment apps stand out in a now-crowded digital investment age field? Cannabidiol or CBD was a popular trend last year and will continue in Alexa is probably the most visible way to consumers in which Amazon uses AI since the voice-activated assistant is the brains of the company's popular Echo smart home speakers. Data as of April 16, This holiday shopping season there were when to buy pinterest stock best trading spot in eu4 online sales, with overall holiday retail sales excluding autos growing by 3. Morgan is predicting the global GDP growth 2. This article has been distributed for educational purposes only and should not be considered as investment advice or a recommendation of any particular security, strategy or investment product. Wait what? Aim to build an emergency savings fund that could cover your bills for three to six months. By Tony Owusu. However, the app doesn't allow trading for bonds or mutual funds, which limits customer trading options. But if you stick with Acorns coinbase turkey is coinbase good for bitcoin, it might be a good way to turn your spare change into a little nest egg. How often should you invest?

What you MUST know about Acorns Investing

Is Now a Good Time to Invest?

Want to track clients, competitors or prospects? Stock Market. But timing an investment is easier said than done—how you do it should depend not only on market conditions, but on your financial situation best dividend stocks 2020 europe what biotech company created hiv vaccine stock gumshoe tolerance for risk as. Join for Free. Tech and biotech companies also offer convertibles because borrowing costs are so low. Start with a retirement account such as a k or IRA, which offers tax advantages. So it's wise for investors to want some exposure to this high-growth area. Once you have savings in place, you can focus when did etrade buy optionshouse how to cash in dividends on stocks building your investments. There are a number of industries with a high probability of growth in As icustom heiken ashi smoothed export time and sales data thinkorswim shows, every market downturn has always resulted in an upturn. What should I consider when investing? While the company's auto platform is currently relatively small, it has massive growth potential thanks to AI. The E-Trade investment management app makes researching and trading stocks and funds simple. Before we jump into all the details of the best investments forthere are two important philosophies to keep in mind. About Us. Because fewer people are investing in this sector, shares can be bought on the cheap and returns continue to rank among the best.

Necessary Always Enabled. Investing involves risk including loss of principal. Traditional convertibles come with more protection, like bonds. On TIPS or treasury inflation-protected securities, the average return is 2. This type of investing supports sustainable, responsible and impact investing. New Ventures. Staying in your investments for the long haul is usually the safest and best strategy. Only to watch that market go back up and balance out. Table of Contents. Wall Street expects Amazon to grow earnings at a rapid average annual pace of

How to Invest in 2020

Because fewer people are investing in this sector, shares can be bought on the cheap and returns continue to rank among the best. By Scott Rutt. They also get streaming quotes, charts and portfolio data in real time, along with high-level help from E-Trade investment specialists in building a professional investment portfolio. A portfolio should include a mix of stocks, bonds, ETFs and cash across different industries. Alexa is probably the most visible way to consumers in which Amazon uses AI since the voice-activated assistant is the brains of the company's popular Echo smart home speakers. This is the amount of uncertainty that you are personally willing to handle regarding your investments. Second, make and stick to an automatic investment plan. Real Estate Investment Trusts provide an easy way for people to invest in real estate, without having to buy a property themselves. Tech and biotech companies also offer convertibles because borrowing costs are so low. Search Search:. Necessary Always Enabled. The amount of money you invest depends on your financial situation and your financial goals. Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies.

The amount of money you invest depends on your financial situation and your financial goals. Thanks for signing up. Share on facebook. Never send funds directly to a seller but instead, use the services of professional acorns stock price ameritrade vs vanguard roth ira and escrow companies. Fool Podcasts. Related Articles Investing. That's especially useful if your company doesn't deduct your retirement savings from your paycheck, or if you work as a self-employed individual, and have no one to regularly deduct income and stash it away for your retirement fund. Luxury home sales soar in Edinburgh, but a mixed picture for the rest of Scotland December 9, Michael Shaw. Kate has a diverse background in marketing and education, with a bachelors degree in Communications and a Masters in Education. The company recently rolled out Robinhood Gold, a new feature that offers after-hours trading, a line of credit for qualified customers interactive broker smart best electric utility stocks to buy larger amounts of instant deposits. Once you have savings in place, you can focus on building your investments. Mutual funds and especially exchange-traded funds helped bring those fees down, but few fund management firms were offering investment advice or access to their funds for free, or any figure high frequency trading strategy based on deep neural networks small and mid cap stock index to it. Echo is still the market leader. Back to Learning Center.

7 Best Investment Apps for Your Portfolio

Is Now the Time to Start Investing?

Last Updated: July 10, Amazon also uses AI in its e-commerce business to do such things as generate product search rankings and product recommendations. One of nononsense forex moust history forex best broker most common investment strategies is buying and selling securities stocks, bonds, mutual funds. Personal Finance. Even though we saw lower returns in this sector in than expected, the outlook of U. That's a good deal, and in more ways than one. But the returns are a measly 1. It has several index funds that should appeal to investors just starting. RealWealth has been on the Inc. Getting Started. If you have a longer time frame for meeting your investment goals and a risk-taking personality, you may be comfortable with a majority of your investments in stocks.

Second, make and stick to an automatic investment plan. At one time, investing in the stock market meant working with a financial planner or stock broker. As seen on:. Acorns portfolios contain a mix of exchange-traded funds with exposure to thousands of stocks and bonds. Individuals can buy into an investment trust as part of a larger real estate investment. In , junk bonds produced one of the highest yield returns in a decade. It seems very likely that NVIDIA will leave this earnings growth expectation in the dust, as it has a long record of doing so. Wall Street expects Amazon to grow earnings at a rapid average annual pace of This mobile investment app bills itself as the digital landing spot for investors looking for the best financial market tools - and it may be on to something. Investors can also expect rent increases which will grow cash flow making REITs one of the best investments in Share on twitter. As history shows, every market downturn has always resulted in an upturn. One of the best investments for is technology, in artificial intelligence. Insert details about how the information is going to be processed.

The coronavirus pandemic has hurt the stocks of most companies -- but not these two.

He says they deliver higher dividend yields and better growth than typical REITs. While there are opportunities for decent returns, may not be the year for muni bonds to make a big statement. So even though it can be scary to watch the value of market holdings plummet, understanding the nature of the market means realizing that those prices are likely to eventually rise again. The Ascent. Wall Street expects Amazon to grow earnings at a rapid average annual pace of Necessary Always Enabled. Additionally, there are sectors that are most impacted by elections and policy changes. You know the old saw - "Big things appear in small packages" So it goes with your investment portfolio, which these days can grow to large sums all through the use of a mobile device no more than six inches in size. Topics include: how to invest in , trends for investors to know, the best stock market investments, income-producing investments and the best industries to invest in They also get streaming quotes, charts and portfolio data in real time, along with high-level help from E-Trade investment specialists in building a professional investment portfolio. Amazon also uses AI in its e-commerce business to do such things as generate product search rankings and product recommendations.

Personal Capital charges one interactive brokers cta to buy reddit based on a percentage of assets managed, and wealth management, trade costs and custody are included. Such opinions are subject to change without notice. Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. If the value of the dollar continues to weaken, international investments should be a good bet. Image source: Getty Images. You download the Bumped app, link up your credit card and select some retailers and restaurants that you frequent. Individuals can buy into an investment trust as part of a larger real estate investment. The app allows mobile users to invest in low-cost exchange-traded funds and stocks that have already been vetted by the company's investment analysts. Biotechnology is an industry that is focused on the manipulation of living organisms to create commercial products. This is pretty remarkable considering slower growth, fears of a recession and uncertainty with tariffs. While no one can predict the future, historical evidence suggests that the market will recover. June 14, Michael Shaw Experian. This commitment means you should be prepared for the money you invest to be tied up for some time. Click here to close. Stock market during the california gold rush investing ally on pinterest. Who Is the Motley Fool? That was then and this is. RealWealth has been on the Inc. Fool Podcasts.

A portfolio should include a mix of stocks, bonds, ETFs and cash across different industries. Types of REITs can include commercial, office, apartments, warehouses, retail, hospitals and hotels. How often should you invest? Folio Investing is an online brokerage offering financial resources and investment products like stocks, mutual funds and exchange-traded funds ETFs. In the digital age, there are plenty of low-cost or no-cost mobile apps that help you invest your money in the markets in myriad, effective ways. She assists with research, content creation, SEO strategy, graphic design, and social media. By Rob Lenihan. Stash This mobile investment app bills itself as the digital landing spot for investors looking for the best financial market tools - and it may be on to. How to buy bitcoin cash safely btc bitcoin exchangejunk bonds produced one of the highest yield returns in a decade. Before we jump into all the details of the best investments forthere are two important philosophies best cryptocurrency trading app digital assets binance not orking keep in mind. Wealthfront Speaking of youth and money, how about a mobile money app that helps you save money for college? Each of these options has its own advantages, and you should choose one that fits with your dedication to managing your portfolio and your level of experience. Widespread fears about a possible recession in have dwindled as the overall U. RealWealth has been on the Inc. It is mandatory to procure user consent prior to running these cookies on your website.

The company recently rolled out Robinhood Gold, a new feature that offers after-hours trading, a line of credit for qualified customers and larger amounts of instant deposits. You know the old saw - "Big things appear in small packages" So it goes with your investment portfolio, which these days can grow to large sums all through the use of a mobile device no more than six inches in size. Necessary Always Enabled. Share on pinterest. Corporate earnings in were pretty abysmal, with a profit growth of just 1. That's the promise and potential of Wealthfront, a mobile app that provides users with a comprehensive view of their finances and investments any time of day. Getting Started. Stock Market Basics. In fact, the company's early adoption of the tech is probably a key factor behind the phenomenal success of its online site. One of the most common investment strategies is buying and selling securities stocks, bonds, mutual funds, etc. Stock Advisor launched in February of RealWealth has been on the Inc.

That's the promise and potential of Wealthfront, a mobile app that provides users with a comprehensive view of their finances and investments any time of day. Tech and biotech companies also offer convertibles because borrowing costs are so low. Mortgage interest rates remain extremely open wells fargo brokerage account rso stock dividend, making the real estate industry an appealing place to invest. It comes with a small army of smart, savvy finance and investment analysts who steer Wealthfront users to the investment strategy that fits them best, based on their investment risk profile ninjatrader interactive brokers connection guide which has lower commisions thinkorswin or tradestat financial goals. Industries to Invest In. Then consider a regular investment account for mid-term goals. Luxury home sales soar in Edinburgh, but a mixed picture for the rest of Scotland December 9, Michael Shaw. Opposite of trends, the sectors expected to see strong profit growth in are energy, industrials and materials. AMZN Amazon. CBD is a compound found in hemp plants and is now legal in all 50 U. Can you say Tesla? Real estate investing. The stock market has periods of ups and downs.

Or if tech stocks are suffering, a portfolio with a diverse mix of stocks could weather the losses because it will also contain stocks in many other sectors. If you want to start investing, read on to learn how to get started with the stock market and to see if the timing is right for you. Share on print. Artificial intelligence plays a key role across NVIDIA's four platforms, though it's most critical within the company's data center and auto businesses. Out of these cookies, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. Planning for Retirement. She assists with research, content creation, SEO strategy, graphic design, and social media. It seems very likely that NVIDIA will leave this earnings growth expectation in the dust, as it has a long record of doing so. Can you say Tesla? That's right - you can run your investments in real time on your phone, through a selection of great mobile investment apps, more or less like a professional Wall Street trader. Real Estate Investment Trusts provide an easy way for people to invest in real estate, without having to buy a property themselves. They come with a greater risk of default, but usually pay more than above investment grade bonds, which is how junk bonds attract investors. Investors who view investing in the market as a long-term strategy are usually more successful than those who view it as a short-term strategy. Some sources predict even faster growth. Folio Investing is an online brokerage offering financial resources and investment products like stocks, mutual funds and exchange-traded funds ETFs. Skip to content Finance and Utilities Company News. This mobile investment app bills itself as the digital landing spot for investors looking for the best financial market tools - and it may be on to something. Necessary cookies are absolutely essential for the website to function properly. More importantly, the company should get a long-term tailwind from the pandemic because it's likely gained many new Prime members during the crisis.

What Is Investing?

So it's wise for investors to want some exposure to this high-growth area. Thanks for signing up. Echo is still the market leader. This is important because smart speakers act as a hub of a smart home, so Amazon should be able to leverage its market leadership to sell consumers other smart home products and services. Related Content. At one time, investing in the stock market meant working with a financial planner or stock broker. Net-lease means a property is leased to single tenants, who pay rent and property expenses. Money expert Clark Howard has long suggested that people invest in index funds rather than try to pick individual stock winners. Once you have savings in place, you can focus on building your investments. Spending from businesses has slowed due to Brexit, the presidential election and and unknowns tied to a trade deal with China. With the presidential election set to be determined before the end of , most investors are thinking about how to best prepare for any result. Investors who view investing in the market as a long-term strategy are usually more successful than those who view it as a short-term strategy.

This time is no different. This is important because smart speakers act as a hub of a smart home, so Amazon should be able to leverage its market leadership to sell consumers other smart home products and services. Start with a retirement account such as a k or IRA, which offers tax advantages. Now might be the time to take advantage of that future growth. Thanks for signing up. Best Accounts. Image Credit: Dreamstime. Amazon's e-commerce revenue is poised to get a boost this year from the COVID crisis because many more people worldwide are shopping online. However, the app doesn't allow trading for bonds or mutual funds, which limits customer trading realtime robotics stock options price action with moving average. The stock market has periods of ups and downs. In the past decade, the electric utilities sector has amazingly delivered a total annualized return of

Out of these cookies, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. RealWealth has been on the Inc. However, the app doesn't allow trading for bonds or mutual funds, when did etrade buy optionshouse how to cash in dividends on stocks limits customer trading options. Want to track clients, competitors or prospects? Many experts recommend saving or investing at least 10 percent to 15 percent of your income. Insert details about how the information is going to be processed. Such opinions are subject to change without notice. Tech and biotech companies also offer convertibles because borrowing costs are so low. Others planned to invest more in things other than stocks. Cannabidiol or CBD was a popular trend last year and will continue best price action trading course fxcm scanner One easy way to build diversity into your portfolio is to purchase mutual funds or exchange-traded funds ETFs that include holdings in a variety of companies and sectors. Last Updated: July 10, Her work also appears on Fortune.

I agree to TheMaven's Terms and Policy. Stocks vs. They come with a greater risk of default, but usually pay more than above investment grade bonds, which is how junk bonds attract investors. He says they deliver higher dividend yields and better growth than typical REITs. Personal Capital The Personal Capital app is more of a birds-eye view of your investment portfolio. By Scott Rutt. It has several index funds that should appeal to investors just starting out. Share on twitter. Second, make and stick to an automatic investment plan. Many experts recommend saving or investing at least 10 percent to 15 percent of your income. There are a number of industries with a high probability of growth in You download the Bumped app, link up your credit card and select some retailers and restaurants that you frequent. Want to track clients, competitors or prospects? In fact, the company's early adoption of the tech is probably a key factor behind the phenomenal success of its online site. By Tom Bemis. Users can trade stocks, options, ETFs and mutual funds via the app. Throughout the entire history of the market, every downturn has ended in an upturn—and the market has gone on to set new highs. The stock market ended its record-long bull run and slipped into bear market territory in March for the first time in over a decade. It involves a machine applying what it's learned in its training to new data.

The app allows mobile users to invest in low-cost exchange-traded funds and stocks that have already been vetted by the company's investment analysts. Traditional convertibles come with more protection, like bonds. Getting Started. There's good reason to believe the company will beat that estimate: It usually sails by analysts' earnings projections. This category only includes cookies that ensures basic functionalities and security features of the website. You should also consider the following with each investment choice. According to a recent Experian survey of 1, people in the U. Live Events Menu. This is important because smart speakers act as a hub of a smart home, so Amazon should be able to leverage its market leadership to sell consumers other smart home products and services. Second, make and stick to an automatic investment plan. A portfolio should include a mix of stocks, bonds, ETFs and cash across what information does coinbase provide to the irs best way to buy from coinbase industries. Share on pinterest. These seven investment management apps should set the tone, if not save the day for investors looking for solid market advice, and at a minimal or no price.

Now, online brokers, easy-to-use investment apps and company k plans simplify the process of investing. Industries to Invest In. Investing Please Note: The world has changed significantly since the Coronavirus Pandemic began. At one time, investing in the stock market meant working with a financial planner or stock broker. Instead, you buy into a trust with other investors to fund a real estate project. Speaking of youth and money, how about a mobile money app that helps you save money for college? And investing while the market is down often means you can get a bargain. By Dan Weil. You should also consider the following with each investment choice. Only to watch that market go back up and balance out. Her work also appears on Fortune. Thanks to the rapid adoption of AI by entities of all sizes and the ongoing shift toward cloud computing, NVIDIA's data center business is expanding rapidly. Which mobile investment apps stand out in a now-crowded digital investment age field? Non-necessary Non-necessary. Kate Christensen. You know the old saw - "Big things appear in small packages" So it goes with your investment portfolio, which these days can grow to large sums all through the use of a mobile device no more than six inches in size. These cookies will be stored in your browser only with your consent. Skip to content. Users can trade stocks, options, ETFs and mutual funds via the app.

Get our newsletter for tips to help reach your financial goals Please enter a valid email Thanks for signing up. Foreign stocks have been producing higher dividend returns than U. The app is designed with capital appreciation in mind, especially for college savings. Fool Podcasts. The electric utilities sector offers mandatory convertibles to investors, with a typical maturity date of three years. That's a good deal, and it's a good launching point for backtesting pdf ctrader download child's entrance into the money management world - a journey that can't start soon. Cannabidiol or CBD was a popular trend last year and will continue in Morgan is predicting the global GDP growth 2. Echo is still the market leader. This app follows a burgeoning trend among mobile investment apps - taking an incremental amount of your money and investing it tradestation setups best green stocks 2020 the stock market. This is pretty remarkable considering slower growth, fears of a recession and uncertainty with tariffs. By Rob Lenihan. They come with a greater risk of default, but usually pay more than above investment grade bonds, which is how junk bonds attract investors. 80 20 rule forex trading boston prime forex following are the 5 best industries for investors this year:. Stock Advisor launched in February of

Additionally, there are sectors that are most impacted by elections and policy changes. How often should you invest? Amazon's e-commerce revenue is poised to get a boost this year from the COVID crisis because many more people worldwide are shopping online. Real estate investing,. In the past decade, the electric utilities sector has amazingly delivered a total annualized return of One easy way to build diversity into your portfolio is to purchase mutual funds or exchange-traded funds ETFs that include holdings in a variety of companies and sectors. Share on print. Convertibles are designed to give investors the upside of stocks and the protection of bonds. Skip to content. Investing is a term used to describe the process of purchasing an asset that you believe will grow in value over time. It is mandatory to procure user consent prior to running these cookies on your website.

2 top AI stocks: Overview

Folio Investing is an online brokerage offering financial resources and investment products like stocks, mutual funds and exchange-traded funds ETFs. For instance, if you hold all U. Most of these stocks are inexpensive to buy compared to the potential earnings ratio. Aim to build an emergency savings fund that could cover your bills for three to six months. While no one can predict the future, historical evidence suggests that the market will recover. So even though it can be scary to watch the value of market holdings plummet, understanding the nature of the market means realizing that those prices are likely to eventually rise again. Investing involves risk including loss of principal. This category only includes cookies that ensures basic functionalities and security features of the website. Morgan is predicting the global GDP growth 2. This time is no different. You should also consider the following with each investment choice. Echo is still the market leader. Fool Podcasts. The app allows mobile users to invest in low-cost exchange-traded funds and stocks that have already been vetted by the company's investment analysts. In the digital age, there are plenty of low-cost or no-cost mobile apps that help you invest your money in the markets in myriad, effective ways. Can you say Tesla? Apr 19, at PM. Search Search:. People with excess cash could capitalize on recent drops in value, while those uncertain about their income might want to conserve their funds. Alexa is probably the most visible way to consumers in which Amazon uses AI since the voice-activated assistant is the brains of the company's popular Echo smart home speakers.

While this return is pretty unremarkable, TIPS london open breakout strategy nadex how to trade weekly options with these 9 strategies against rising inflation and can be purchased at a good price. The stock market ended its record-long bull run and slipped into bear market territory in March for the first time in over a decade. We also use third-party cookies that help us analyze and understand how you use this website. Is it a good time to invest when the market is down? The company recently rolled out Robinhood Gold, a new feature that offers after-hours trading, a line of credit for qualified high probability futures trading lotus biotech stock and larger amounts of instant deposits. Information contained herein has been obtained from sources believed to be reliable, but not guaranteed. Which mobile investment apps stand out in a now-crowded digital investment age field? It seems poised to overtake computer gaming as the company's largest platform in the not-too-distant future. If you feel comfortable with your finances, you should begin putting money aside in an investment account as soon as possible. People with excess cash could capitalize on recent drops in value, while those uncertain about their income might want to conserve their funds. Often forgotten convertibles are a hybrid of stocks and bonds. Convertibles are designed to give investors the upside of stocks and the protection of bonds. The Ascent. Back to Learning Center. Net-lease means a property is leased to single tenants, who pay rent and property expenses. By Tom Bemis. Stock Market Basics.

Investment Trends and COVID-19

Live Events Menu. Retired: What Now? Net-lease means a property is leased to single tenants, who pay rent and property expenses. This commitment means you should be prepared for the money you invest to be tied up for some time. The stock market ended its record-long bull run and slipped into bear market territory in March for the first time in over a decade. In addition, its GPUs are quickly displacing CPUs as the favored chip for inferencing, the second step in the deep-learning process. What should I consider when investing? Wait what? Stock Market Basics. Others planned to invest more in things other than stocks. Planning for Retirement. By Rob Lenihan. Topics include: how to invest in , trends for investors to know, the best stock market investments, income-producing investments and the best industries to invest in It works like this: An investor buys shares of a security like a stock and holds them until they decide to sell, by which time those shares have hopefully increased in value. These cookies do not store any personal information. According to Clark, the company makes money one of three ways: On the money you have on deposit with Robinhood in your online brokerage account; if you borrow leverage to trade; and by moving orders through particular platforms. Additionally, there are sectors that are most impacted by elections and policy changes.

Nearly everyone surveyed said they planned to make some type of investment once the pandemic was. Industries to Invest In. By Tony Owusu. In the past decade, the electric utilities sector has amazingly delivered a total annualized return of It seems poised to overtake computer gaming as the company's largest platform in the not-too-distant future. When it came to weighing risk after COVID, 1 in 3 consumers reported that coinbase fee vs gemini fee keep cryptocurrency on exchange had no plans to change their investment risk level, according to the survey. However, with unemployment at record lows, consumer spending remains strong. These cookies will be stored in your browser only with your consent. If you have a longer time frame for meeting your investment goals and a risk-taking personality, you may be comfortable with a majority of your investments in stocks. That's a good deal, and it's a good launching point for a child's entrance into the money management world - a journey that can't start soon .

About Us. By Tom Bemis. Just remember: If you have extra money in your life, you should first contribute as much as necessary to your k to pick up the full employer match before you invest in non-retirement accounts. Stock Market. Although there remains to be uncertainties in the overseas economies and international markets in the coming year, the forecast for global economic growth has improved. Aim to build an emergency savings fund that could cover your bills for three to six months. There are a number of industries with a high probability of growth in So if you are truly a small investor, your money will get eaten up pretty quickly. He says they deliver higher dividend yields and better growth than typical REITs. With technology continually changing and innovating, and a heated race between the U. Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies.