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4 ways to stay out of ETF trouble

Exchange-traded funds are open-ended funds that can be bought and sold on a stock exchange. You can think of them as a hybrid version of both stocks and index funds. You buy them using a broker, just like you would to purchase a stock. They consist of a portfolio of securities that are designed to track different indexes, just like index funds.
The first ETF was launched in 1993, and since then they have become very popular with investors. According to BlackRock's December 2013 industry highlights data, the ETF industry has captured $2.4 trillion in assets since 1993. There are almost 5,000 ETFs available.
Used appropriately, ETFs can permit you to assemble a globally diversified portfolio of stocks and bonds, in a suitable asset allocation, at a low cost. Unfortunately, ETFs can be a trap for the unwary. Here are some tips to avoid potential pitfalls.

Avoid high-fee ETFs

A high-cost ETF should be an oxymoron. A primary benefit of buying ETFs is the ability to track an index at a low cost. Unless the ETF you are buying has a lower expense ratio (management fee) than a comparable low-cost index fund, you should consider purchasing the index fund instead.
Just because an investment is designated as an ETF doesn't mean it's low-cost. There are a number of ETFs that have expense ratios in excess of 1 percent. A few have expense ratios that exceed 2 percent. At the other end of the spectrum, ETFs are available with expense ratios as low as 0.04 percent.
When comparing ETFs that track the same index, with all else being equal, you should purchase the lowest-cost ETF available.

Avoid low-liquidity ETFs

Liquidity is an important consideration to make when selecting an ETF. An ETF that is highly liquid will have lower trading costs and be easier to buy and sell than an ETF that is less liquid.
The liquidity of an ETF is affected by many factors. These include the trading volume of the securities that make up the ETF, the composition of the ETF and the trading volume of the ETF itself.
ETFs that invest in large-cap stocks in developed economies, or track broad indexes, are the most liquid, writes William Artzberger, a CFA based in Houston, on Investopedia. For fixed income, ETFs in which the underlying bonds are Treasury bonds or corporate-grade bonds are more liquid than ETFs that hold riskier bonds.

Avoid leveraged and inverse ETFs

The securities industry is incredibly adept at creating new products that encourage trading. Leveraged and inverse ETFs are examples of products that were created to be sold and not bought.
A leveraged ETF seeks to amplify the returns of an underlying index, using financial derivatives. For example, a leveraged ETF that tracks the Nasdaq-100 index might have a 2-to-1 or even a 3-to-1 ratio, and would be structured to return twice or three times the returns of the underlying index. Of course, if the underlying index drops in value, your losses would be increased by twice or three times the losses in the index.
An inverse ETF is structured to benefit from a decline in the value of the underlying index. Depending on the structure of the inverse ETF, investors can earn double or triple the percent of losses in the underlying index.
There are many problems with leveraged and inverse ETFs. The most obvious is they are highly risky investments. Investing in these funds is pure speculation, rather than responsible, long-term investing.
There is also concern about whether or not these funds perform as advertised. A survey of leveraged and inverse ETFs, which was released in the spring 2012 edition of The Journal of Index Investing and authored by Gerasimos Rompotis, concluded that over longer periods of time (more than one day), returns of these funds may not perform as advertised.
Finally, the management fees charged by leveraged and inverse ETFs are among the highest of those levied by all ETFs. For example, a leveraged commodities fund issued by VelocityShares has an expense ratio of 1.65 percent.

Avoid trading ETFs

One of the oft-stated benefits of ETFs is that they trade on an exchange and you can easily buy and sell them, just like stocks. However, John Bogle, founder of the Vanguard group, says this ability to trade is both a blessing and a curse.
The wide array of available ETFs encourages bad investor behavior, like trying to select outperforming asset classes and engaging in in-and-out trading. Bogle believes investing in ETFs should be limited to funds that track broad stock and bond indexes.

10 Signs That You're Ready for Sex

Losing your virginity is a personal choice, and it's your choice alone. Not even your sweetie can make up your mind about whether or not you're ready for sex.   Still, it's not a decision to be made lightly. To help out, here are 10 things that should be true before you have sex for the first time.  If you answer "no" to even one of these, you should hold off till you're really ready.

1. You Know All the Risks

Pregnancy is the risk you might think of first, but there's a whole slew of ugly diseases that sex puts you at risk for. Take the STD quiz and see if you know all there is to know.

2. You Know How to Prevent Those Risks

Pop quiz: what's the best tool for preventing STDs and pregnancy? Are you afraid to talk to your sweetie about the L-word? (You know – lube?) Before you do anything, make sure you read these tips about safe sex.

3. You've Got a Plan If You or Your Sweetie Gets Pregnant

Even if you take every precaution, you can still get pregnant. (Condoms are only effective 85% of the time, after all.) If you're not ready to deal with having a baby or an abortion, then you're not ready for sex.

4. You're Being Legal

Check the age of consent chart to make sure that you and your partner can legally have sex in your state. If you can't do it legally, then don't. The law is there for a reason: to protect you and your partner from what might end up to be a bad idea, emotionally and mentally.

5. You're Both Sober

Drinking impairs your judgment, making you more likely to do something you'll regret the next day. If you're drunk, you're also less likely to use a condom, or to use it the right way.

6. You Trust Your Partner

When you're in a position where someone can have sex with you, you're totally vulnerable. If you have any doubts about how your sweetie will treat you during sex - and the next day, and the day after that - trust your gut and get away from them now.

7. You're Prepared to Have a Terrible Time

The first time you have sex, it might not be romantic, or fun, or even that sexy. In fact, it might be awkward and painful. Here's some more about what to expect for your first time.

8. You're OK With Having Your Partner in Your Life Forever

This doesn't mean you're not allowed to break up. But if something happens - like a pregnancy or an STD - you might have to be in each other's lives a lot longer than you planned.

9. You're Doing It For YOU

You should only have sex if you really want to have sex. Not because your partner wants to have sex. Not because everyone at your school has already had sex. (Some of them are lying. Trust me.)

10. You Know That You Can Still Say "No"

You can say it any time before you have sex - even the second before it - no matter what you've said in the past. It's your body, and you alone are in charge of what happens to it.

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The most important thing to become a model is that each model must have a portfolio. A portfolio is a collection of your modeling pictures. Solutions BD provides you with an online portfolio which you can easily manage and show to potential agencies or clients.  


Solutions BD gives you advise on how to build a great portfolio for little or no money. Easy way to become model.

Positions To Help You Last Longer

Are you tired of losing control every time you make love to your woman? Do you want to discover sex positions to help you last longer and that will keep you erect and feeling the good friction without the "Oh no, I'm already at the edge" feeling? Well, today is going to be a very happy day for men out there who get too excited around the vaginal playground. These tips and position suggestions will allow you to delve into your sexual desires without fearing that the finale is just a pump or two away. So, before you burst just thinking about it, we'll get to our positions to help you last longer.

Beyond positions to help you last longer

Keep in mind that it takes more than just sex positions to help you last longer. First off, you need to keep a positive frame of mind. Don't turn it into a self-fulfilling prophecy by continuously telling yourself that you can't do it. You can, especially if you believe you can. If you have some sort of medical drawback, like erectile dysfunction, then these positions to help you last longer obviously won't work for you. Be realistic and get yourself to a professional as soon as you can to optimize your sex life.

Positions can be a game

Turning foreplay into a game of lustful sexual containment can be more fun than the actual sex itself. Make your foreplay last. After all, when have you ever heard a woman saying: "He kisses my lips and goes down on me for way too long?" That's what we thought. Enjoy the time you have together and stop focusing on the actual sex because that'll likely cause you to get more nervous, and end up leaving her in the bathroom with a vibrating shower nozzle. Make it a total body experience, not just a penis one — oh, and learn to please her in the shower as well.

Lasting longer can mean some one-on-one

You've all heard it before: Practice makes perfect. Don't be shy guys, you did it when you first discovered that something other than urine comes out of your penis, and you can do it now. Masturbation is not a four-letter word (there we go, stating the obvious) and if you want to understand your own waterworks, you're going to have to play the "getting to know you" game with yourself. By stroking yourself and figuring out at which point you feel like ejaculating, you can learn how to maintain your erection and avoid premature incidents. Also, you can bring yourself to the point where you feel like you're about to lose it and stop yourself until the feeling goes away. Keep it up until an adequate amount of time has passed and then let the rivers flow freely.
Now, let's move on to the positions to help you last longer Before we dive head-first into the positions to help you last longer (and you know which head we'm talking about), keep in mind that what might work for some may not work for others. The whole point of it is trial and error, along with positive thinking.

Last-longer position 1: This is your mission

Perhaps it is not the most explosive of sexual positions and, hey, it may not even merit the "Best Position in the Bedroom" award. This position, nonetheless, is most helpful for men who want to prolong coitus.
Missionary position - Credit: The Player's Guide
Speaking of coitus, you can try practicing coitus interruptus, which entails deliberately withdrawing your slimy guy from her vagina prior to ejaculation and holding it. Soon afterward, you may insert your little guy back in and continue on your merry way. Remember that the instant she lifts her legs in the air or you lift your own body, you may end up feeling more intense sensations. We, therefore, recommend that you begin with body-to-body missionary and slowly work your way up with variety.

Last-longer position 2: Face me

Another great position that'll help most men last longer in the sack is the "sitting inside each other" position. You sit with your legs crossed and she sits atop you doing the same and controlling the tempo.
Sitting position - Credit: The Player's Guide
The great thing about this position is that you get to rub her back or pull her by the shoulders and suck on her breasts with ease. As well, she can bite into your neck or rub your back while you both enjoy a constant sexual pace. When you become accustomed to this situation and learn adequate penis control, then you can give her some new instructions and get her to squat up and down on your member while she puts her hands on your knees for balance.

Last-longer position 3: Ride 'em cowgirl

Although some guys lose control, considering they don't have any power when the woman on top does all the maneuvering, many men find a woman's back-and-forth thrusting (rather than up and down) very comfortable.
Riding position - Credit: The Player's Guide
Allowing her to take control of the situation can help you concentrate on keeping your orgasm at bay. As well, you get to watch your sweetheart bounce around while she does her thing. Once the thrusting thing becomes child's play for you, you can try letting her squat. But be warned: The squatting position is likely to make you lose your mind (and your semen) a lot faster. That's because her vagina tends to hug your penis rather tightly, and your genitals and hers are the only two body parts that are touching.

Last-longer position 4: Front-to-back

This position should usually be reserved for morning sex. With her back facing you, lift up one of her legs and insert yourself inside her warm fleshy area.
Spooning position - Credit: Player's Guide
Although the initial feeling may be that of tightness, if you brace yourself, the feeling will become more comforting. Many guys are able to control themselves and last longer in this position.

last longer with these positions

Move slowly and don't rush things. Getting overly excited won't do you any good so just keep things calm and at an unhurried, steady tempo. She'll be impressed with your ability to control yourself. Obviously, these positions won't work wonders for everyone, but they will definitely feel great for many. Remember, if you have a problem, see your doctor promptly and don't play the game of denial. And there you have it, some easy ways to keep her satisfied and get a little satisfaction of your own at the same time.

So maybe you’re not the “One Minute Man” Missy Elliot rapped about in 2001, but if you’re still looking for ways to have longer-lasting erections (and longer-lasting sex), you’re not alone. Sex experts agree that it’s one of the most common things men are insecure about—but they’re not always using the right methods. “Of course all men have their own extending technique, from thinking about football or baseball or counting backwards in their heads,” says A.L. Harper, a sex expert and former editor of a UK-based men’s magazine. “However, these distraction techniques can result in making them worse in bed because they aren't paying attention to their partner's pleasure.” If you’re curious to find out the real ways to last longer, we’ve asked three top industry experts to share the advice they give their clients—no Viagra required. - See more at: http://www.mensfitness.com/women/sex-tips/last-longer-in-bed-sex-experts-tell-you-how#sthash.cRPHTVhw.dpuf
It’s no fun for her (and embarrassing for you) when it all ends... too early. We got top sexologists to reveal eight secrets for having longer, better sex. - See more at: http://www.mensfitness.com/women/sex-tips/last-longer-in-bed-sex-experts-tell-you-how#sthash.cRPHTVhw.dpuf
It’s no fun for her (and embarrassing for you) when it all ends... too early. We got top sexologists to reveal eight secrets for having longer, better sex. - See more at: http://www.mensfitness.com/women/sex-tips/last-longer-in-bed-sex-experts-tell-you-how#sthash.cRPHTVhw.dpuf
It’s no fun for her (and embarrassing for you) when it all ends... too early. We got top sexologists to reveal eight secrets for having longer, better sex. - See more at: http://www.mensfitness.com/women/sex-tips/last-longer-in-bed-sex-experts-tell-you-how#sthash.cRPHTVhw.dpuf
It’s no fun for her (and embarrassing for you) when it all ends... too early. We got top sexologists to reveal eight secrets for having longer, better sex. - See more at: http://www.mensfitness.com/women/sex-tips/last-longer-in-bed-sex-experts-tell-you-how#sthash.cRPHTVhw.dpuf
It’s no fun for her (and embarrassing for you) when it all ends... too early. We got top sexologists to reveal eight secrets for having longer, better sex. - See more at: http://www.mensfitness.com/women/sex-tips/last-longer-in-bed-sex-experts-tell-you-how#sthash.cRPHTVhw.dpuf

Model of the Month | Tiiu Kuik Introduction

tiiuintro Model of the Month | Tiiu Kuik Introduction
At the age of 22, Tiiu Kuik (d’management group) has quite an impressive portfolio–from walking for labels such as Christian Dior and Jean Paul Gaultier to being photographed by Paolo Roversi and Steven Meisel, Tiiu has proved to have true staying power over the years. Like many models, she was discovered at a young age. Tiiu was only 14 when a modeling scout approached her at a local food fair in Estonia and offered her their business card. Understandably, Tiiu was doubtful about the prospect at first. “I was an awkward and tall teen–the tallest in my class and often teased for it. Modeling was the last thing on my mind.” But in the end, it was her mother who encouraged her to try modeling. “She thought it would be a good life experience and help me get over my shyness. Neither of us ever expected it to take me outside Estonia or bring in any money.” Now, Tiiu loves traveling and we can only be thankful for her mother’s encouragement.

How to Be a Model: The Best Guide

There is always someone who wants to be the next Kate or Naomi, but despite what the movies tell us, becoming a model isn’t just about being tall and beautiful. It’s about having the uniqueness, talent and drive to back up those looks. In this article, we will give you some tips that will hopefully teach you how to be a model.

Know the Type of Modeling you Want to Do

The first step in becoming a model is knowing what type of modeling you want to do. There are quite a few areas to choose from–print focuses on magazine photo shoots while runway models walk the catwalk for labels. There are also more commercial options such as being a swimsuit or catalogue model. Plus size modeling has made an impact in the recent years too. No matter which area you choose, most female models start at the very minimum height of 5’7″ but closer to 6’0″ is preferred.

Find the Right Agency

Now, that you have figured out what type of modeling you want to do–look for an agency that specializes in the field. You can search online for agencies quite easily. A simple “model agency” query will garner a lot of results. Search for an agency that’s local to your area, and it’s important to remember to research an agency first. Think: What models do they represent? What type of jobs do they book? Are there complaints online about this agency?
And remember, if an agency asks for money upfront, you should stay away. So called “modeling” schools are also suspect too. There are plenty of scammers out there looking to take advantage of aspiring talent.

Take the Right Photos

katelongchamp2 How to Be a Model: A Guide

After you have researched the right agencies for the field you are interested in, you will want to contact them. Most agencies have forms online where you can send in your photos and stats. Stats include your height, measurements and weight. They will also want to see photos of you. Don’t worry, you do not need to get a professional shoot done. Simple digital photos are what most agencies require. Make sure to do a head shot and full-length shot. Wear no makeup and a simple tank top and pants. Take the photo in natural light so people can see your features. Look for a response within (usually) 4 weeks.
Some agencies will do open calls, where they will see aspiring models from the street–bring your digitals or past professional work printed out. Once again, keep your styling minimal. You may be told you are not what they’re looking for or get a callback later.


Think Ahead

If you are lucky enough to get signed, you should also know all the difficulties that come with the job. Depending on the jobs you book, traveling can take you away from home a lot. Rejection is also something, especially at the beginning of the career, you need to get used to. Even if signed, some models have part-time jobs. That’s why we recommend having a backup plan just in case your modeling career doesn’t pan out. But, if you manage to make it, there is a world of opportunities. Models like Gisele Bundchen, Cindy Crawford and Kate Moss have transformed their looks into lucrative careers with their business smarts. Think ahead, always!

How to Add Google Adsense Wire Transfer Payment Method Bangladesh

Great news for Bangladeshi Google AdSense publisher. They can withdraw their money directly from their local bank via International Wire Transfer method.
It is very supper fast and risk-less system. You should add this new AdSense payment method. Just Follow the following steps to to Add Google Adsense Wire Transfer Payment Method for Bangladesh.

How to Add Google Adsense Wire Transfer Payment Method Bangladesh

Add bank account information

  1. Sign in to your account at www.google.com/adsense
  2. Visit the Account settings page.
  3. In the Payment settings section, click “edit payment method.”
  4. In the Electronic Funds Transfer section, select the Add a new bank account radio button. (If you don’t see this section, then EFT payments aren’t available in your location yet.)
  5. Click Continue.
  6. Enter the requested bank account information. If you’re not sure what information to enter, please contact your bank. Click Continue.

Check your test deposit

Once you enter your bank account information, Google will begin the process of depositing a small test amount into the bank account you specified. This process takes a few days, so check your bank statements after 4-10 days to find a deposit. The deposit ranges from $0.15-$1.10. Depending on the country in which your bank is located, the deposit will be labeled as one of the following:
  • Google AdSense Payment

 Enter the test deposit amount in your AdSense account

Once you have the test deposit amount:
  1. Visit the Account settings page.
  2. In the Payment settings section, click Verify this account. (If you don’t see this link, our system may not have been updated. Please wait a couple days and check again.)
  3. In the box provided, enter the test deposit amount that you received in your bank account.
  4. Click Next. Once you have entered your test deposit verification amount correctly, your bank account will be approved.
  5. Select the newly approved bank account as your default payment method.
Please note that if you set EFT as your payment method after the 15th of the month, we can’t guarantee that you’ll be paid by EFT. For example, to ensure payment by EFT for your March earnings, please complete the steps above before April 15th.

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Anika Devi received her Bachelor’s degree in Media, Culture and Communication from New York University in 2012. She began freelancing for Business Solutions BD in 2010 and joined the team as a staff writer three years later. She currently serves as the assistant editor.
Worked well for Website DA, Entrepreneurship, Starting a Blog, Payoneer MasterCard, Sex Tips, Phone Sex, So how do you think? Want to get into her pants? Read here