Wednesday, July 22, 2015

Suretrader, The Best Option For Penny Stock Short Trading

English: Schematic representation of short sel...
English: Schematic representation of short selling in the two steps. Deutsch: Schematische Darstellung des Leerverkaufs bei Wertpapieren (short-selling) EspaƱol: La imagen representa una venta corta en dos pasos. (Photo credit: Wikipedia)
Introducing Suretrader, your best Option for Penny Stock Short Trading

A company based in the Bahamas and that uses clearing firms in the US, SureTrader offers many advantages to investors, a point that was highlighted by the company's CEO on Friday's LiveStock on Demand. So, what are those advantages?

For a start, a SureTrader client is not affected by the restrictions of the Pattern Day Trader Rule. Clients can trade in a manner that suits them, without restrictions such as being confined to three day trades in any five day rolling period.

Another benefit is that a client can trade without a high minimum threshold, such as $25k, in his account.

An additional advantage for the client is that he can open an account with SureTrader for as little as $2000, much less that many other companies require.

Brokers are aware of the increasing demand for short-sales. In SureTrader, the CEO, Guy Gentile, is determined to make the company the one stop shop for short sales.

A great boon for clients is that SureTrader charges only $4.95 per trade for trades up to 1000 shares, much less than most of our competitors.

An overwhelming advantage for our clients is that, in dealing with an offshore company, the tedious and bureaucratic procedures required in the US are sidestepped.

Wherever an international trader might be located, SureTrader is more than willing to be of service and to bring its many advantages to your trading.

To get you started, feel free to use my name as a referral. You won't regret it as you will see the many benefits coming your way very soon.

GoDaddy Hosting Files For An IPO

Growth of GoDaddy domains
Growth of GoDaddy domains (Photo credit: Wikipedia)
Just recently, GoDaddy hosting did file for an IPO, and they plan on using some of the funds from the IPO to get some of their debts paid off. They do plan on using some of the money for corporate purposes, in addition, as well. 

GoDaddy did file its regulatory filing, and when they did this, they did indicate that such things as the number of shares they plan to offer hasn't been determined. Nonetheless, this company did mention to, they plan on trying to raise some money in the vicinity of up to $100 million dollars. They did comment that this sum was just the placeholder amount. This amount was something that was subject to change. 

GoDaddy Hosting is based in Arizona and it provides a wide variety of products and services that people do need for the Internet world. Some of these products and services are no other than domain registration and web hosting plans. This company has listed Citigroup and J.P. Morgan as the official underwriters for their offering. 

This company has been in business for 17 years now. They did recently gain a lot of attention to themselves by coming up with some very edgy commercials that did have scantily dressed women in them. They did report a loss of close to $200 million dollars for the year of 2013. Their revenue did rise up though by an amazing 24%. 

Straight up to March 31st, GoDaddy did report a total booking sum of $438.5 million dollars and had close to 12 million registered customers with them. 

The founder of the company is named Bob Parsons. His investment group owns about a little more than 28% of the company's Class A stock. This information is contained in the filing that was made for the company. 

In 2011, GoDaddy was acquired for a whooping sum of $2.25 billion by KKR Co. Silver Lake. Today, they now only own, roughly about 28% of the company itself.

Tuesday, July 14, 2015

Trading PennyStocks With SureTrader

Charting is the use of graphical and analytica...
Charting is the use of graphical and analytical patterns and data to attempt to predict future prices (Photo credit: Wikipedia)
An Analysis on the Benefits of Choosing SureTrader for Penny Stock Investments

Sure Trader is an international investment company that is based in the Bahamas. The company's chief executive recently gave convincing proofs on why penny stock investors can be happier with them. Some of the qualities are highlighted below.

An investor with SureTrader does not worry about the Pattern Day Trade Rule. Hence, you can trade anytime and go beyond the 3-day trades restriction.

Another thing you stand to benefit with SureTrader is that you can have an active account with less than $25k. 

You will also be happy to find out that you can open an account with just $2000. This is a fraction of what many other companies demand. 

Sure Trader is also a place where you can be sure of selling your shorts. Investors can expect that this will last for a long time as the CEO is taking radical steps to make this a long lasting quality of his company.

Furthermore, you can pay only $4.95 per trade if you buy up to 1000 shares. This makes it one of the least expensive investment companies.

Nevertheless, as an offshore company, you are free from many of those complex US rules.

SureTrader does not care about your nationality. The company is an international one and you are free to join if your main interest is to make money.

Monday, July 6, 2015

Is Suretrader Good? Yes!

Troy A. Paredes has served as a Commissioner o...
Troy A. Paredes has served as a Commissioner of the U.S. Securities and Exchange Commission (SEC) since August 1, 2008. (Photo credit: Wikipedia)
The Internet has made stock trading easy for most people. However, a high percentage of Internet investors think they are entering a get rich quick scheme; hence beginner investors lose millions of dollars a year. Investors recognize the need for professional web-based training and the SureTrader brokers have risen to the challenge.

SureTrader was founded in 2008 and it is part of Swiss American Securities Ltd. Guy Gentile, the founder, based the business in the Bahamas. This means the business is regulated by the Bahamas Securities and Exchange Commission rather than the US Security and Exchange Commission. SureTrader investors are not bound by PDT (Pacific Day Trader Rule) which places restrictions on investors who have less than $25,000 on account. Furthermore, SureTrader investors don't require large amounts of money to commence trading. So, is Suretrader good? The answer is a resounding yes!

The SureTrader website is a little outdated which can make it difficult to navigate, however, the pricing is competitive. The company offer a live customer support service which can be accessed by clicking a link.

Traders who wish to sign up with SureTrader must scan proof of identity including a current utility bill and new accounts are activated in a couple of days.

SureTrader operates from three investment platforms, hence investors can check their accounts wherever they can access the Internet.

NSA To Implement Surveillance On Stock Market

The seal of the U.S. National Security Agency....
The seal of the U.S. National Security Agency. The first use was in September 1966, replacing an older seal which was used briefly. For more information, see here and here. (Photo credit: Wikipedia)
The Financial Industry Regulatory Authority's database tracks investors subject to investigation for wrongdoing. However, it was recently revealed that the National Security Agency can review private financial information of these investors. They can track and access this information in real-time. Even trades can be seen as soon as they occur. Therefore, the Comprehensive Automated Risk Data System seems to have welcomed such a development. Corporations and high-volume traders are known to fix the stock markets. 

Then again, the government is known to manipulate the markets to avoid crashes and other issues. Research has shown that the NSA is more than willing to influence transactions on the market. Documents have revealed the NSA could be accessing financial institutions and changing around the funds in bank accounts. Its widely agreed upon that no government entity should engage in such practices. 

The NSA uses various databases in order to accomplish these illicit acts. Likewise, this particular agency is known to monitor credit card transactions through various companies. It's highly likely that the CARDS database will be used to influence the Stock Market. Unfortunately, the repercussions of this development could be huge. There is no reason that the government should stick its hand in the markets in this day and age.

Warmer Weather Helps Accelerate Economic Growth

English: United States consumer Confidence 197...
English: United States consumer Confidence 1978-2010 from University of Michigan survey. Data source: FRED, Federal Reserve Economic Data, Federal Reserve Bank of St. Louis: Consumer Confidence [UMCSENT] ; U.S. Department of Labor: Bureau of Labor Statistics; accessed August 14, 2010. (Photo credit: Wikipedia)
Springs thaw aiding economic revival

All recent business and government reports are indicating that the U.S. economy is on the rise from the cold season.

The economic experts are projecting that in 2014 there will be accelerated growth happening after two years of slow but steady improvement.

The economy continues to gain momentum as the temperatures continue to rise. Factories are hiring as they get busier and busier. Consumers are spending much more and the banks are easing up on their restrictions of loans to businesses. These positive signs are appearing throughout the United States.

TD Economics' senior economist, Michael Dolega has pointed out how the economy suffered due to the chilling winter but is poised for a revitalization as the consumers are emerging from hibernation.

For the third straight month, a popular index based on factors such as interest rates, stocks, employment and consumer confidence has gone up.

Ken Goldstein points out a 0.8 gain to 100.9 on the index indicated rising growth through spring and summer.

During the first quarter, there was a 1.3 percent growth in the economy and experts anticipate a 3 percent growth from April to June.

The Federal Reserve has happily shown that manufacturing continues to pick up.

Batesville Tool & Die has been releasing data showing increased sales.

Employers all over are anticipating much stronger growth in the coming days.

As the U.S. economy improves, binary options and swing trading options are expected to increase as well.

Tuesday, June 30, 2015

Google's Tax Avoidance Move

Google Appliance as shown at RSA Expo 2008 in ...
Google Appliance as shown at RSA Expo 2008 in San Francisco. It was only a computer case with no parts inside.-Daniel A (Photo credit: Wikipedia)
Bermuda has no corporate income tax, and one of the companies that has most recently benefited from this is Google. The company moved around $10 billion on profits to the small island country, and managed to avoid around $2 billion in income tax.

Both the US and the UK government have frowned upon this method of tax avoidance, perhaps because both countries are fighting huge deficits at the moment. A recent move which may go some way towards dealing with these tax avoidance measures is one by the European Union to blacklist certain tax havens, and to promote anti abuse rules.

Most European governments disapprove of the tax avoidance strategy that Google and other companies have adopted, according to Richard Murphy, of UK based Tax Research LLP. He went on to say that either services will need to be scaled back, or other taxpayers will somehow have to pay more to compensate for Google's non payment of their taxes.

On the other hand, Google points out that it has invested in several European countries with great success, and that it is complying with all the tax laws. In addition, Google has invested heavily in east London tech companies and currently has around 2,000 employees in the UK.

Netflix Has Plans To Avoid Share Takeover

Netflix has integrated its streaming player in...
Netflix has integrated its streaming player in many consumer electronics devices including the XBox 360 (Photo credit: Wikipedia)
On Monday, some shareholders of Netflix announced a plan to gain majority shares of the company but Netflix has a plan to stop this event from occurring.

The plan is simple and is called the poison pill. If anybody tries to purchase a large amount of Netflix shares without consent of the board, Netflix can create more shares, making the takeover attempt much too costly.

Several days ago Carl Icahn bought 10% of the firm, which immediately sent up red flags at Netflix. He said the company would be great bait for many of the technology giants of the internet, including Amazon, Google, Verizon, and Apple.

If any group or investor tries to buy more than 10%, the poison plan will be put into action. Carl Icahn has a 9.98% stake right now.

Carl Icahn was not happy with the decision by the Netflix board. He said it was a bad ruling, discriminatory, and that the shareholders actions were too decided by the board.

Netflix does agree that they make a juicy target for other big companies, even thought they did poorly last quarter. Such a takeover might actually boost profits.

Larger companies might offer financial and technological support so  Netflix can give cheaper content to their customers.

The Yahoo CEO - Marissa Mayer

Marissa Mayer
Marissa Mayer (Photo credit: Wikipedia)
In October 2012, Marissa Mayer, Yahoo CEO, made her first report on earnings during a conference. She reported that she was happy with the company's progress in the third quarter. She also shared that Yahoo has been working with Microsoft to improve the search capabilities. However, the folks on Wall Street are still interested in the plan for reviving the company's revenue growth.

The former CEO had a more media centric approach but today, the company is revamping its products and underlying technology. Just last July, one day before the company's second quarter earnings were released, Mayer was hired. Therefore, she was not a part of Yahoo's review of the second quarter results. Mayer has recruited a Google advertising executive, Mr. Castro who is to start work in January 2013 as the chief operating officer. Mayer has also hired a new chief financial officer. In addition, this new CEO will be giving employees free meals, like Google does, and free smartphones. She has also been considering revamping Yahoo's home page. Compared to the previous year, Yahoo ended this third quarter with 12% less employees.

Mayer has been working hard to keep stockholders contented by distributing some of the proceeds from Yahoo's $7.6 billion deal for selling half of the company's stake in the Alibaba Group. It is projected that Yahoo will have earnings of 26 cents per share on a revenue of $1.08 billion. Therefore, Mayer seems to be doing a good job with Yahoo and is seeking to continuously improve the site.

Wednesday, June 24, 2015

Candy Crush Is Going Public

English: A view from the Member's Gallery insi...
English: A view from the Member's Gallery inside the NYSE (Photo credit: Wikipedia)
Candy Crush Saga, the gaming phenomenon, is about to go to the New York Stock Exchange in the form of a stock offering. The IPO paperwork was submitted to the Securities Exchange Commission by King Digital Entertainment.

Over the last three years King Digital Entertainment has made millions of dollars, and this is thanks to games such as Papa Pear Saga, Farm Heroes Saga and Pet Rescue Saga. 

Users of the Candy Crush app has made it the most popular app associated with the website Facebook. Candy Crush is expected to become the largest, as well as the most successful interactive online franchises of all time. 

There are frequent, small transactions that help make Candy Crush a major success. Gaming sessions are played individually, and they are designed to be quick and free. However, if players want to receive additional lives, as well as be able to beat levels quicker, then they can pay a small fee to receive an item within the game, and this item will help them move quicker throughout the game. Users can choose to play Candy Crush whenever they want to, as the game provides that convenience. The best thing about Candy Crush is that it does not show any signs of losing popularity.

Herbalife: scheme or genuine business?

Francisco Mancebo of Rock Racing wore the yell...
Francisco Mancebo of Rock Racing wore the yellow jersey in Stage 2 of the Tour of California 2009 but gave it up after placing 27th in Santa Cruz. He won King of the Mountain (Green Jersey and 2 smooches from the podium girls) and the Herbalife Spring Jersey (red jersey and two more smooches from the pretty girls). (Photo credit: Wikipedia)
Herbalife is a worldwide nutritional company whose products are solely marketed by independent distributors. Some people ask whether Herbalife is a genuine money making opportunity or a Ponzi scheme. The company clarifies that it is an authentic enterprise which reward its members for making sales. 

Independent distributors and members of the company buy its products to sell them to their customers. The higher the sale, the higher is the reward amount. Furthermore, the company gives bulk discount to sellers to make particular amount of sales. Members can recruit new members to expand their business and make more sales. Earnings are based on an individual's retail sales. When a particular member reaches a supervisor level, his earnings are based on sales of recruited members; this is a form of MLM or multilevel marketing. 

The members and distributors of the company are businessmen and not employees of the company. However, each and every member and distributor is responsible to abide by the Herbalife rules, and legal requirements of the country where its products are sold.

Mark Hughes, who later died in 2000 as a result of accidental overdose of alcohol, founded the company in 1980. The company has flourished and gained substantially from 1988 with zero value to over 4 billion dollars by the end of 2010. The company did endure some financial problems in 2009 as a result of economic downturn. 

Herbalife experienced high volatility at the stock market when it opened up higher by 4 percent and was reduced to 1 percent on the same afternoon, and finally reaching up 7 percent higher at the end of the day. This high volatility was due to investors perception about the company's repurchasing of stock.

The company re-audited its consolidated financial statements for fiscal years 2010, 2011, and 2012 through PricewaterhouseCoopers LLC, independent registered public accounting company. Additionally, the company also audited its performance over financial reporting. 

Unfortunately, Bill Ackman, one of Herbalife's critic released an extensive study on fake practices and recruitment on one of the biggest sellers of Herbalife products in Canada. Ackman, the owner of Perishing Square, added that he will continue to publish deceptive details about Herbalife. 

Despite the criticism of Ackman, Herbalife has managed to grow by leaps and bounds. Moreover, the company operates under fair practices and is 100 percent legal. The company states that it is certainly authentic and not a scam or scheme as out cried by its critics.

Tuesday, June 16, 2015

Wal-Mart Acquires OnRiot For Social Media Sites

Wal-Mart Supercenter Torreon
Wal-Mart Supercenter Torreon (Photo credit: Wikipedia)
OneRiot is a social and mobile ad targeting startup now owned by Walmart.   While the financial terms of the acquisition have not been revealed, the startup is joining with Wal-mart Labs.
OnRiot has changes its model of doing business, by closing down the search portal that used real-time and now monetizes exclusively through the use of real time advertising.  The startup has also moved to provide a service targeting social services using apps with embedded mobile ads.

OneRiot first made its peak into the world of advertising during 2009 with the introduction of RiotWise.  This ad format placed the emphasized content into position using the real-time feed.  Later they introduced Trending adds by RiotWise.  These streaming adds correspond to the topics that are trending in the user's social web.  They are self refreshing and a self service edition of RiotWise.

Today, OneRiot provides opportunities for advertisers to target segments of their audience on mobile devices.  This allows targeting for busy moms, techies, sports fans and fashionistas.  Use of targeting and segmentation allows the advertisers to focus on the interest profiles of their audience, conversations and social influences.  The audience profiles of OneRiot are created through mining as well as analysis of public social streams such as Twitter.

The capability for this style of data mining was the attraction for Wal-mart to Onriot.  Walmart has announced that OneRiot has developed useful technology that can help advertisers make the most of Facebook and Twitter.  The ads displayed are customized to interest of customers.

Wal-mart seems to have made interesting investments in the areas of social media, mobile devices and targeted spaces.  Earlier in year, they acquired Kosmix.  This company also joined Walmart Labs, and is now integrating the technology into both the mobile and online offerings of the company in sites such as Facebook, the e-commerce website and other places on the web.

Kelley Blue Book Used Cars

2010-2011 Kia Soul photographed in Chantilly, ...
2010-2011 Kia Soul photographed in Chantilly, Virginia, USA. Category:Kia Soul (Photo credit: Wikipedia)
Kelley Blue Book's online website, at kbb.com, recently declared the KIA Soul to be among the "coolest" cars in its price range ($18,000 or less.) KBB considers cars for their awards using the criteria of fuel efficiency, technology features, and style. Kia Motors America, the manufacturer, proudly announced that their car has earned this accolade in each of the last two years. The fact that KBB has impartially recognized the car's stylishness, affordability, features and "coolness" does not come as a big surprise to the company--consumers have noted these advantages also, making the Kia Soul among the most popular consumer choices in Kia's line. The cars popularity has generated a lot of customer traffic to Kia's car lots, both new and used.

The judges summed up their decision by describing the Kia as both fun to own and to drive. The final selection was made from a list of various makers' automobiles. The award for 2010 groups cars according to car value, and uses the Kelly Blue Book values for new cars, separate from the more well known Kelley Blue Book Used Cars. Their book uses the prices at which new cars are actually sold, rather than the suggested retail price--the "sticker" price put on cars by the manufacturers and car dealers.

This is not the first award the car has received, although being the "coolest" is special. It has also been recognized as the Best Family Car, Top Family Car, Top Safety Pick and Best Hatchback. These awards represent opinions from various organizations totally independent of each other and KBB. Features such as Bluetooth integration, iPod friendly audio input jack and adaptations for wireless phone are examples of the advanced technology features that got the attention of the judges in each of these organizations. These are all features you can examine when you want to find out what makes a car the coolest one around.

Kia Soul comes in a variety of versions, each with different types and combinations of features. They are the Soul, the Soul+ or Soul! There is also a Soul Sport model. The style and features aim to please young buyers, especially young buyers with very active lifestyles. The car's association with the well known Geek Squad, which drives it along with Volkswagens and Chevrolets, has also enhanced its public image and popularity. The Kia Soul is in some very good car company--other winners recently have included the Mazda3, the Mitsubishi Lancer, and Honda's Civic and Fit models.

Monday, June 15, 2015

Back To School Shopping With Sales Tax Holidays

In 2005, North Little Rock voters approved a t...
In 2005, North Little Rock voters approved a two-year, one-percent sales tax for construction of the Dickey-Stephens baseball stadium on land adjacent to the Broadway Bridge. In 2007, it became the home of the Arkansas Travelers minor league baseball team affiliate of the MLB Anaheim Angels. (Photo credit: Wikipedia)
In the United States, parents of school age children know very well what that term "Back-To-School" means. This is a time during the first part of August that parents must make purchases of school supplies and clothing in order to prepare their children for school. Luckily, for those in the sixteen states that offer it, this also means special sales tax holidays to help families financially. Whether they are buying uniforms, school supplies or books, parents can take advantage of buying the items tax-free during this time. During the first weekend of August, residents in North and South Carolina, Virgina, Alabama, Florida, New Mexico, Arkansas, Louisiana, Tennessee, Iowa, Oklahoma and Missouri have this advantage. Texas and Georgia have their sales tax holidays the second weekend of August. Maryland chooses to have its holiday the entire week of August 11 through 17, while Connecticut participates the week of August 18 through 24.

Retailers often choose to include extraordinary sales during this time to increase their revenue. Parents should look at this shopping time as having the sales potential of Black Friday. This means get to the store early and be prepared.

Shopping for back-to-school items can be very costly. However, for those who are lucky enough to live in a state that has a tax holiday, the stress of spending money can be eased.

Information About Investing In Google

English: The corner of Wall Street and Broadwa...
English: The corner of Wall Street and Broadway, showing the limestone facade of One Wall Street in the background. (Photo credit: Wikipedia)
Recently Brent Callinicos, Vice President of Google, recently posted on his blog that reminded accountants and treasurers that their sale of Motorola's set top box business is a terminated operation. However, those who are thinking about investing in Google do not seem to be taking this into account. For instance, a lot of Wall Street's analysts who cover Google haven't echoed these thoughts.

The result of the failure to recognize this ceased business operation is that the price of stock shares have dropped by approximately 1 billion dollars, which means that the profit per share is down by approximately 0.40 cents. Even Doug Anmuth from J.P. Morgan has lowered his numbers to 11.4 billion dollars in revenue and 10.19 dollars in EPS for the month of December. The street average is 12.3 billion dollars and EPS of 10.54 dollars.

It is anticipated that Google will provide their outcome after they close on January 22. This may cause those who are investing in Google to become somewhat confused, especially when they first receive the numbers. This is because it may seem as though Google has missed both the top and the bottom line. Of course, this depends upon the results' effect.

Friday, March 13, 2015

I Cannot Pay My Taxes, HELP!

English: Debit Card ŁŲ§Ų±Ų³ŪŒ: Ś©Ų§Ų±ŲŖ Ų¹Ų§ŲØŲ± ŲØŲ§Ł†Ś© Ų§Ł„Ų¹Ų±...
English: Debit Card (Photo credit: Wikipedia)
About 27% of taxpayers annually need to pay the IRS when they file their tax returns. If you are one of these individuals, you need to figure out how you are going to pay. When you have the amount needed, you can use a debit card, mail a check with your return, or have the funds withdrawn from a savings account.

If you cannot pay the amount, then you can use a credit card or setup a payment plan with the IRS. Pay as much as you can by the tax deadline and wait for the IRS to tell you how much a month additional you should pay. An Online Payment Payment Agreement will give you up to 120 days to pay off the balance. Find this form on the IRS website, IRS.gov.

IRS Form 9465 gives you more than 120 days to pay the IRS for the taxes you owe. This is considered an installment agreement and is available with the major tax preparation software packages including TurboTax. There is a small fee to setup the installment agreement but if this is your only choice, it is the way to go.

Consider all the costs involved when deciding how to pay your taxes when you file your 2014 tax return. If the APR on a credit card is high, then going directly to the IRS could be your best plan of action. Just make sure that you have everything setup prior to the filing deadline or you could face additional fees and penalties, making your debt burden even bigger.

Tuesday, January 6, 2015

Obamacare, Taxes, And TurboTax: What's The Connection?

English: This is a diagram depicting the perce...
English: This is a diagram depicting the percentage in US who have no health insurance by age. (Photo credit: Wikipedia)
A recent survey shows that nearly 50% of Americans don't know the tax reporting requirement for health insurance. All taxpayers will need to report their current health insurance status on their 2014 tax returns. Since tax-filing season is about to begin, Intuit ran the TurboTax Health Survey with Harris Poll. Most Americans know very little about the connection between taxes and health insurance.

Still A Lack of Knowledge Surrounding Obamacare

As dictated by the Affordable Care Act, known as Obamacare, Americans need to prove that they own qualifying health insurance. They need to prove this on their 2014 taxes in order to avoid a tax penalty. Over 62% of uninsured Americans know they're required to pay a penalty if they lack health insurance. However, 87% of those same individuals don't realize that the penalty to avoid this penalty has already passed.

TurboTax Set To Help Taxpayers With These Issues and Others

Health coverage purchased in the current open enrollment period through February 15 won't apply to this year's return. They'll apply to 2015's returns filed in 2016. Even though open enrollment is currently underway, Americans still don't know the connection between healthcare and taxes. TurboTax will warn Americans about such deadlines and show them how to fix these issues in the future. Of course, those with coverage before the deadline won't face any penalties.

Other Information From The Survey

Nearly 90% of Americans have health insurance, but residents of the South have lower coverage rates than other regions. Also, almost 50% of Americans aren't aware of premium tax credits that exist to make health insurance cheaper for low-income families. Nearly 75% of Americans with coverage from an exchange plan to renew their coverage for the following year. TurboTax currently offers a free resource for taxpayers concerning Obamacare at TurboTaxHealth.com, which users should visit immediately.

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