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Exchange Traded Funds (ETFs) were first introduced to institutional investors in 1993. Since then, they have become increasingly acceptable to advisors and investors alike due to their ability to allow greater control over the trading process. construction and diversification of the portfolio at a lower cost. You should consider making them a basic component of the foundation of your personal investment portfolio.

1. Better diversification: Most people don’t have the time or the ability to follow every stock or asset class. Inevitably, this means that an individual will gravitate towards the area in which he feels most comfortable, which may result in investing in a limited number of stocks or bonds in the same business or industry sector. Think of the telecommunications engineer who works at Lucent who bought stocks like AT&T, Global Crossing, or Worldcom. Using an ETF to buy a core position in the market as a whole or in a specific sector provides instant diversification that reduces portfolio risk.

two. Improved performance: Research and experience have shown that most actively managed mutual funds generally underperform their benchmark index. With fewer tools, limited access to institutional research, and a lack of a disciplined buy/sell strategy, most individual investors fare even worse. Without having to worry about picking individual winners or losers in a sector, an investor can invest in a basket of broad-based ETFs for major holdings and can improve a portfolio’s overall performance. For example, the Consumer Staples Select Sector SPDR was down 15% through October 23, 2008, while the S&P 500 was down more than 38%.

3. More transparency: More than 60% of Americans invest through mutual funds. However, most investors don’t really know what they own. Except for a quarterly report that shows holdings at the close of business on the last day of the quarter, mutual fund investors don’t really know what’s in their portfolio. An ETF is completely transparent. An investor knows exactly what it is made up of throughout the trading day. And the price of an ETF is available throughout the day compared to a mutual fund that trades at the closing price of the previous business day.

Four. No style drift: While mutual funds claim to have a certain bias, such as large-cap vs. small-cap stocks or growth vs. value, it’s common for a portfolio manager to move away from the core strategy outlined in a prospectus in an effort to boost returns. An active fund manager may add other stocks or bonds that may increase return or reduce risk, but are not in the sector, market capitalization or style of the main portfolio. Inevitably, this can result in an investor holding multiple mutual funds with overlapping exposure to a specific company or sector.

5. Easier rebalancing: The financial media frequently extols the virtues of rebalancing a portfolio. However, this is sometimes easier said than done. Because most mutual funds contain a mix of cash and equity and may include a mix of large-cap, small-cap, or even value and growth stocks, it is difficult to get an accurate breakdown of the mix to properly rebalance the allocation of funds. target assets. Since each ETF typically represents an index of a specific asset class, industry sector, or market capitalization, it’s much easier to implement an asset allocation strategy. Let’s say you want a 50/50 portfolio between cash and the total US stock index. If the value of the S&P 500 (represented by the SPDR S&P 500 ETF ‘SPY’) falls 10%, you could move 10% cash to return to target assignment.

6. More tax efficiency: Unlike a mutual fund that has built-in capital gains created by previous trading activity, an ETF has no such gains that an investor is required to recognize income. When an ETF is purchased, it establishes the cost basis for investing in that particular trade for the investor. And given the fact that most ETFs follow a low-turnover buy-and-hold approach, many ETFs will be very tax efficient, with individual shareholders making a profit or a loss. only when in fact they sell their own ETFs.

7. Lower transaction costs: Trading an ETF is much cheaper than a mutual fund. In a mutual fund, there are shareholder service fees that are not required for an ETF. Additionally, ETFs eliminate the need for research and portfolio management because most ETFs follow a passive index approach. The ETF mirrors the benchmark index and there is no need for additional portfolio analyst expenses. This is why the average ETF has internal expenses ranging from 0.18% to 0.58%, while the average actively managed mutual fund incurs around 1.5% in annual expenses plus trading costs. .

To compare the total cost of owning an ETF to any mutual fund, the Financial Industry Regulatory Authority (FINRA) makes an ETF and fund analysis tool available on its website. The calculator automatically provides fee and expense data for all fund and ETF share classes. The calculator can be found at: http://apps.finra.org/fundanalyzer/1/fa.aspx.

8. Trading flexibility and implementation of sophisticated investment strategies: ETFs are traded like other stocks and bonds. So this means that an investor has the flexibility to use them to employ a variety of risk management and trading strategies, including hedging techniques like “stop loss” and “shorting,” options not available to “long-term” mutual funds. -only”.

Another advantage is the ability to use “inverse ETFs” which can provide some protection against a decline in the value of the market or sector. (An inverse ETF responds in the opposite way to the performance of the underlying benchmark. So if one wants to minimize the impact of a drop in the S&P 500 index, for example, then one can invest a portion of the portfolio in an “inverse” that will go up when the index value goes down).

Or an investor can tilt their portfolio to “overweight” a particular industry or sector by buying more than one index ETF for that area. By purchasing an index, an investor can position himself to take advantage of expected changes in this industry or area without the inherent risks involved in an individual stock.

Some investors marry their individual stocks or mutual funds and don’t want to sell and incur a loss and miss out on an expected rebound. Another tax-efficient option for an investor to consider is to sell the losing security while buying the ETF that represents the industry or sector of the security being sold. In this way, the investor can record the loss, take the tax deduction for it, and still be positioned in the area but with a more widely diversified index.

Investors, academics, and financial advisors sometimes question the “buy and hold” strategy. Some investors are looking for a more active management tactical approach that can be done with ETFs. Although ETFs represent passively created indices, an investor can actively trade them. There are a variety of trading strategies available to “ride the trends”. When an index moves above or below its 50-day moving average or 200-day moving average, this can be a signal to enter or exit the ETF. To minimize the trading costs that would be incurred when trading an ETF, an investor can use an ETF matching program that covers all trading costs. These deals are still generally less expensive than buying or selling multiple individual shares in a separately managed account or using an actively managed mutual fund.

Home Kitchen

A guide to understanding drawer slides

When it comes to choosing a drawer slide, there are a variety of factors to consider. In addition to ease of slide and base material, how the slides are mounted is an important factor. This rating determines the amount of weight the drawer can support, ease of installation, and extension length. Here is a breakdown of 5 of the most popular types along with the features of each.

bottom mount- These slides have two rails mounted on the bottom of the drawer (one on each side). The sliders are hidden from view and leave the sides of the drawers clear. They are typically used in kitchens, bathrooms, and other rooms where storage is a priority. Since they can hold more weight, they are ideal for heavier loads and are typically full-extension (or very close to full-extension) drawers, allowing you to easily pull the drawer out for cleaning or moving. This type of slide is very easy to install, making it a popular choice with many homeowners. Blum Drawer Slides are popular for bottom mount options.

Center mount- These are installed under the center of the drawer and extend from the front to the back of the drawer. They are invisible from the top and are light to medium weight (making them ideal for smaller drawers). You usually can’t completely remove the door with this type of mounting. Antique furniture was typically made with a center mount drawer slide, so you may notice that on certain antique furniture pieces. The best part about center mount drawer slides is that they are so easy to install.

Side mount- Side mount drawer slides are a very popular type of drawer slides that are often used in kitchens and bathrooms. In this type of slide, two rails are installed on both sides of the drawer. They are widely available in different lengths, materials, and weights, making it easy to find the right slides for your home. These sliders are highly visible when the drawers are open and slightly reduce the width of the drawer. They can be used to hold more weight than other types of slides, making them useful with larger loads.

European- European drawer slides are often used with frameless or frame-front cabinets as they are easy to assemble. They have an “L” shaped frame that mounts directly to the bottom of the drawer without any hassle. In this type of slide, the hinge is completely hidden from the outside, which offers a professional and more modern look. They are usually fairly inexpensive, making them a popular choice for home remodelers. Hettich drawer slides are popular for European epoxy options.

Ball bearing- Ball bearing drawer slides often replace the popular center mount slides. Ball bearings allow easy use with minimal interruption or noise. Some models even allow you to press down on the sides of the slides to completely remove the drawer from the base, allowing for easy transport when moving or just to clean the drawer. Other models are self-closing.

Understanding the benefits of the different types of drawer slides is very important for the DIYer. Aesthetics and load capacity are very important factors in the decision.

Auto

Ways to terminate the advance car lease

Most of the time, tenants want to terminate the lease in the middle of the term. Before thinking about it, you have to know that it is a very difficult task. Renters never think of rescinding the cheapest car rental deals they get after painful efforts. The idea of terminating the lease instantly arises in the minds of the tenants. Perhaps they are relocating to another city or facing financial constraints to pay monthly rental fees. Whatever the reasons for termination, tenants will have the next option with them.

Return the rented car:

The return of the rental car is one of the ways to end the lease contract early. But, one will have to settle the rental car due, such as monthly payments, excesses, and charges associated with vehicle breakage and wear. You will not be exempt from car rental penalties or excesses if you choose to return the rental car before the dealer. It may not be a suitable solution to the problem in case the tenants cannot pay the unpaid bills at once.

End the term by renting another rental car:

Leasing another vehicle is the second option. Tenants who think the first option would not work well can try this option. But keep in mind that you can face the situation of renting another vehicle. But everything pending from the first term will be transferred to the second lease. The payment burden can be doubled because you will have to pay the fees you owe and also the new lease fee.

Buying the lease:

Purchasing the lease can be burdensome for lessees because the vehicle rate projected by dealers is always higher than the market price of the vehicle. So there is little chance of being profitable in this deal. If the dealer’s estimated price becomes lower than the market price of the vehicle, then a customer can be profitable. But it rarely happens, since car rental companies have a lot of experience in estimating the real value of vehicles.

lease swap

Tenants who are not interested in the above three options can choose it. But they will have to motivate another party to transfer the lease to their name. You will enjoy many benefits too. Once the process is finished, you will have to pay the pending fees. This process is called a lease exchange.

Digital Marketing

Mark Jennings’ Abundant Wealth System Review: How To Create Multiple Streams Of Passive Income

Tea Abundant Wealth System claims that it can help you achieve financial success using the Internet. Unlike other online wealth building guides, Mark Jennings, the author of The Abundant Wealth System, doesn’t just give you a tactic or strategy for making money online. Instead, he explains and teaches many different ways to produce passive income online so you can create multiple streams of passive income.

He also mentioned that to start living the life you dream of, all you need to do is buy his system and the secrets on how to be successful will be revealed. This system is all about passive internet income.

When we say passive income, that means that the money flows without too much effort. There is no doubt that people can earn a lot of money through the Internet. Internet jobs are everywhere. There is eBay where you can auction your products, you can even be a graphic designer for an online game like Second Life and still make money. Google AdWords and AdSense can also help you make a profit.

That’s how advanced technology has become, so Mark Jennings’ statement that the Internet can be a source of multiple incomes is true. The only concern is before the income starts to arrive in your bank account, most of the time, it involves a lot of hard work.

Building that first stream of income can take some work and dedication, so what the sales page says about quick money with less effort can be misleading. However, Mark has provided step-by-step guides that are easy to follow, especially for people new to making money online.

There is a 60 day money back guarantee for the Mark Jennings Abundant Wealth System, so if you are not making any money or are not satisfied with the advice given, you can always request a refund within 60 days.

Relationship

Use your brain to stop tantrums!

Let’s be realistic. Dealing with a tantrum in the middle of the grocery store is never easy. Remember the last time your child had a tantrum. Was your stress level high? Did you feel powerless?

Most parents I talk to agree that these angry outbursts mostly happen when a child is told “NO.” So what’s a parent to do? I have found that adults respond with anger and guilt. Parents also struggle to deal with the voice of guilt that makes them feel like a “failure” and helpless.

Here are five brain-based tools my clients have used to stop tantrums fast!

emotional regulation-It is important for children to know that they are in control of their feelings and emotions. They must also understand that they have the power to make decisions about how they will respond to frustration, disappointments, etc.
Help the child know their triggers-Parenting always offers opportunities to teach your child at different levels. Many parents don’t realize the benefits of understanding how the brain affects behavior. Parents who can teach their children how to recognize their amygdala-based threats and respond appropriately will help their children reach a higher level of thinking and responding to threats.
Expected behavior of the model-Were you aware that children do what you do and not what you say? One of the best gifts parents can give their children is to be a positive role model. For example, if you want your child to treat others with respect, you must model the same behavior.
Connect with Felling’s-If a person feels stuck, they will do whatever it takes to get unstuck. In many cases, children lack the vocabulary to express how they feel. This makes it important for parents to help children put feelings into words. Parents may say things like “you seem very happy, you seem very disappointed, you seem excited, etc.” The goal is for parents to put words to the emotion that the child is expressing.
Teach healthy conflict resolution-The goal is for children to identify their emotions and learn to control how they express their emotions. Feelings are part of the human experience. Parents should let children know that they are entitled to their feelings. At the same time, they must control what they do to express those feelings. Specifically, when children experience conflict, they need options. Parents may say “yelling doesn’t work, there are two things you can do.” When children have a clear choice, they are better able to focus, calm down, and move on. Choices also allow the opportunity to teach personal responsibility.

Health Fitness

Exercise to Lose Weight, Sedentarization and Nutrition

Designed to move and be dynamic, today’s man tends to close in on himself. Our bodies are designed to run through large spaces, our life today is reduced to “traveling” from the bed to the dining room table to the car seat and the comfortable office chair. And then from the restaurant to the sofa in the living room and… to the bed. However, not long ago, we walked miles and miles to get to school, to work in the fields, to the city, to the market.

Today, the car and the schedules designed by the administration deprive us of the physical exercise that has become the sport of some hikers or runners. In fact, specialists agree that the lack of physical exercise added to an inadequate diet, often eaten in a hurry, puts man in real danger to his health and has repercussions on his life. every day.

In addition, only an awareness of the harmful effects of the lifestyle we lead, specified in a well-conceived and carefully applied action plan in daily life, can save us from any disease caused by being overweight or obese. Exercise is essential, experts say. But they claim that if you just exercise and don’t improve your diet, you may be able to lose some weight for a while.

However, it will not be sustainable unless exercise is part of a complete weight loss program. The regularity of your exercise sessions is the guarantee of the slimming process. This is what the specialists recommend you do every day, so you can get the exercise you need.

1. Make sure you get enough restful sleep. With good sleep patterns, the body is more willing to exercise. A body in poor health, because it has not recovered during nightly sleep, is less likely to engage in physical activity during the day. In addition, there is evidence that you tend to eat more when you are tired, using food as a substance for the rest you need.

2. Continue with the implementation of this simple to implement program. Take a brisk walk for at least 30 minutes five times a week. The brisk walks are beneficial for health and mental health and are worth it.

3. Walk on the treadmill in bad weather while watching your favorite TV shows, if your treadmill can be installed in your living room. People who find excuses for lack of time often lie because they don’t make physical activity their priority. That is why it is necessary to insist on integrating exercise into your daily schedule. Practice unlimited exercise that does you good without mixing it with your work or your personal life. Always keep in mind that if you exercise regularly and eat a healthy and balanced diet, you prevent many health problems because you are blocking the way to gain weight. The path to good health for you and your family is through this weight loss program, but it’s so simple to implement.

Legal Law

What you can do to be the next Joe Karbo

If you write copy and have to ask “who is Joe Karbo”, you’ll need to see this…and if you don’t, you’ll want to see this.

Joe Karbo is the man who wrote the headline “MOST PEOPLE ARE TOO BUSY WE MAKE A LIVING TO MAKE MONEY.” It’s the kind of headline that makes readers shake their heads to agree… to relate, understand and agree… but most importantly, stop whatever they were doing… and start reading. the rest of (what I think is an article but is really) the ad.

His self-published book THE LAZY MAN’S ROAD TO RICHES changed the advertising industry…and millions of people along the way. Sold 2,785,500 copies through print ads… no bookstores…

But to understand how he wrote that headline, the body of the text, and the book itself, we need to take a closer look at the life experiences that led him to extraordinary riches… to overcome poverty and failure, to create the which is credited as one of the most effective headlines ever written…

Joe was born in Los Angeles, the son of immigrants who operated a tailor shop. He went to Manual Arts High School and served in the Navy. He was in the South Pacific as a doctor and pharmacist during World War II. He returned to start a wholesale paper business which he sold in 1950 to take acting classes at the Pasadena Playhouse…and gradually began landing small parts in movies, radio and television shows.

Along the way, he did television commercials and became the spokesperson for a Maywood California car dealership. Joe began writing ad copy… with a low-key, down-to-earth, honest approach to car sales. The result was that Joe became famous…he made a lot of money…and the dealer got rich.

Joe felt that there was a market for late night television if the quality of the programming was worth it. Back then, most TV stations went offline around midnight. Joe bought 6-hour blocks of time, from midnight to 6am, to stream movies and do interviews with well-known celebrities like Sinatra, Sammy Davis Jr, Dinah Shore and many others. His show was “The All Night Show” in LA on KTTV, Channel 11 and it was, according to Joe, the first all-night show in America.

He needed to generate revenue to cover program costs…but advertisers didn’t want to buy…so Joe bought his own wholesale products, wrote and delivered his own ads to sell those items. He got rich…very quickly.

After a few years, the station was sold. The new owners wanted the time to themselves and did not renew their contract. He faced huge debts for the inventory he stored and had no way to sell it. His income of about $50,000 a week dropped to zero and he faced bankruptcy.

He had to feed a family of 10… And he had no idea where the money would come from. They moved into a dilapidated, low-rent house, he drove a beat-up Ford Falcon and refinanced and faced $50,000 in debt. He met with several attorneys who recommended that he file for bankruptcy. Instead, he learned to negotiate with the creditors from him.

He called his creditors together and for 90 minutes of discussion and statements like “If you don’t think I’m broke, bankrupt me. If it turns out I have money stashed away somewhere, you’ll get it back.” And maybe put me in jail… but if you believe me, let me do what I do best: sell merchandise. You have my word. I’ll pay you back.” They gave her nine years to pay off his debt.

In the process he wrote a book called THE POWER OF MONEY MANAGEMENT or HOW TO GET OUT OF DEBT IN 90 MINUTES WITHOUT GETTING INDEBT…which he sold through newspaper and magazine ads in local media…the book was very successful and gave him the confidence to try to sell his inventory in the same way.

Before Christmas, he sold glow-in-the-dark tree decorations using (among others) headlines like “THE FUN STARTS WHEN THE LIGHTS OUT.” She sold thousands of peepholes (the peepholes you put on doors to see who’s knocking) with advertisements beginning with the headline “SEE THROUGH WALLS, FENCES, AND CLOSED DOORS”…

Although Joe had negotiated a nine-year payment with his creditors, he was able to pay off each hundred in less than three years. He took on projects for other salespeople and, being desperate for work, gave up a normal copywriter’s fee for a percentage of sales… wrote his own brochures and sold them using the direct marketing techniques he had perfected through experience …

His name and reputation grew within the local “mail order” community and he helped many others… to discover that many were not emotionally prepared for success. This led to the idea of writing a book…actually two books on one cover. The first book was about becoming a person who had the confidence, the mindset to be successful… to set and achieve goals and how to be a person that others would want to work with. A kind of combination of TM, Positive Mental Attitude and Cybernetics. The second book revealed all of his secrets on how to select and market products using mail order techniques… secrets that he had learned over the years through trial and error.

But before writing the book, he wanted to see what kind of market existed for the product he envisioned. He did something that was common at the time…a lot of mail order operators did it…but it’s illegal today. He wrote the ad before he wrote the book and then (this is what’s illegal today), he placed the test ad for a product that didn’t exist yet.

His plan was to return every penny raised with a note saying that the response was so high that he had run out… he couldn’t ship the book as promised… but that as soon as there was another printing he would contact the buyer and would offer the book again… before placing additional advertising.

The response was huge. More than she ever dreamed of. She paid every penny back and then took her family to a cabin they owned in Lake Arrowhead CA. where in six weeks she wrote “THE LAZY PATH TO RICHES”

Advertisements from the book ran for years…in newspapers and magazines published in the US, as well as on select vehicles around the world. The book (and the advertisement) was even translated into other languages. Ads are still studied today…used as templates for other offerings…used as a teaching tool in direct marketing courses…and eventually a publisher (Viking/Penguin) published an abridged edition of the 20th anniversary that sold out quickly. in bookstores.

Joe had a staff of 40 helping with media placement and production and later branched out. His financial publisher was able to provide him with the cash flow to create Karbo Advertising, FP Schools, Northwestern Pharmaceuticals, and a company to oversee international marketing.

In 1980, Joe, at the age of 55, was being interviewed at his home in Huntington Harbor CA by a morning news crew and died suddenly of a heart attack. At the time, he is said to have been working on a new mail-order book tentatively titled “TO HELL WITH THE KIDS, WHAT ABOUT YOU AND ME, BABY?”

In previous interviews, he admitted that the book cost 50 cents to make (it was photocopied sheets of paper with a spiral binding between two sheets of heavy grade paper), and it sold for $10 a copy. It was worth much more… since the reader paid for information… not for raw materials. The section that talked about his mail order marketing secrets was worth many times the retail price of $10.

It had a unique guarantee that the buyer had to post the check date for 30 days after the order date and during that 30 day period, if not 100% satisfied, return the book and receive the original check.

So what can you do to be the next Joe Karbo?

Think about it…he was an average person…without much formal education, he had some success…some serious failure…not unlike a lot of us…the thing is…he kept trying… kept learning… kept doing… developed a positive mindset philosophy… met adversity head-on… was responsible and honest… and just didn’t give up. Need I say more?

Lifestyle Fashion

Kissing in a dream is not always what you think

We human beings show our affection and love for each other, and our passion through a kiss. A kiss can calm, soothe and even magically heal – a boy will feel better after kissing her boo-boo. In many cultures, but especially in Western cultures, a kiss is often the most intimate physical expression, sometimes considered more intimate even than sexual intercourse. It is common knowledge that prostitutes rarely kiss their clients on the mouth. This is because kissing is recognized as a display of love and tenderness, and the services provided by a working girl (or boy) are little more than a business transaction.

In Christian societies, a kiss can also be an act of betrayal, such as the betrayal of Christ by the kiss of Judas. A kiss can also mark the beginning of the end of something, an action that marks the disappearance of the person or the project as in ‘the kiss of death’. It also represents a goodbye, both temporary and permanent.

In fairy tales, kisses take on a much more complex archetypal meaning. Snow White and Sleeping Beauty were revived by a kiss. A frog is magically transformed through the power of a kiss. In the world of fairy tales, the kiss is associated with rebirth; physical, psychological or spiritual.

In dreams, kisses can be of the tender, loving, healing kind, the passionate intimate kind, or the complex archetypal kind. They can be symbols of transformation, rebirth, rekindling or ending a relationship or project: a ‘breath of new life’ or ‘the kiss of death’ delivered through the lips.

In dreams, a kiss is not just a kiss. It has to be understood in context. Is the kiss a simple kiss on the cheek from a relative? This type of kiss could signify the need or actual approval of people in authority or parental figures. If you walk away or avoid the kiss, it could mean that you feel stifled by the authorities or that you feel like you’re being made to feel childish. Are you kissing a child, an animal, an inanimate object? Perhaps this is a suggestion that some healing needs to take place, or that you need to welcome this new aspect, situation, or character into your life.

Kissing someone you are involved with can indicate a desire for closeness if it is lacking, or it can be an expression of deep affection for that person, even on a subconscious level.

Dreaming of kissing someone of the same sex, if you are heterosexual, can indicate a need for self-love or can indicate self-approval. And again, it can suggest deep affection, plain and simple.

If you are kissing someone you are not attracted to, or if the kiss is unwanted or makes you feel uncomfortable, the dream may indicate feelings of betrayal, as forcibly kissing is rape; of intimacy, choice, limits and your body. These are the kisses that indicate that you feel overwhelmed or pressured by someone or something in your life. See who is involved in the kiss to give you a clue as to who or what the situation is. However, this type of kiss can also be a clue to feeling victimized or intimidated/forced into actions or activities that you are against.

The long and hungry desired kiss may represent, in your dream, a longing for something. The longing can be for love and intimacy, but it can also express a longing for something that is missing in other areas of your life. For example, if you dream of kissing an actor this may be a play on words. It may mean that you yearn for the ability to take action in some area of your life.

If an animal is kissed, this may suggest a longing to return or regain its true nature, uninhibited and unrepressed. These are just a few possible meanings. As always, you have to take into account the context, the words and the characters.

Other possible meanings:

Kissing someone you like and love can simply be the fulfillment of a wish.

Kissing a person without a face can show that your basic desires are being fulfilled.

Kissing someone you know in a casual and non-romantic way can represent the recognition of harmonious vibrations.

Kissing a celebrity may suggest that you need to or that you are trying to boost your self-esteem.

Kisses with adulterous passionate undertones can mean it’s time to spice up the romance.

Kissing is the beginning of passion for almost any age group. Whether it’s young lovers stealing a kiss at the front door or a mature couple kissing tenderly on their 25th anniversary, a kiss is often about love, passion, and tenderness.

A kiss from a lover, under happy circumstances, portends happiness and contentment.

A kiss from a stranger implies an unexpected gift.

A kiss can represent affection, joy, upcoming success, or a desire to be close to someone.

An unwanted kiss can indicate upcoming advances from someone you don’t particularly like or care about.

If you are kissing a close friend, then the suggestion may simply be a reminder of your respect and feelings for your friend. On the other hand, it may be hinting that you are looking for an intimate closeness that is missing in some waking relationship. It may or may not be a romantic interest for him or her.

To dream that you are kissing someone’s hand means respect.

To see others kissing in your dream suggests that you are too involved in their personal lives and relationships. You need to give them some space.

In general, kissing is a display of affection and suggests warmth, happiness, appreciation, passion, tenderness, and connection. However, negative connotations must always be taken into account. A kiss can be a last kiss, a goodbye kiss, the kiss of death, a goodbye kiss, an unwanted advance, or a means of spreading a contagion.

To determine what the kiss represents in a particular dream, take note of who is involved in the kiss, where it takes place, how you (the dreamer) react to the kiss and the character, and what other elements are included in the dream. . . Also, take note of whether the dream is primarily positive or negative.

By answering these questions, you should be able to determine what your kissing dream is trying to tell you.

Pets

Clown Trigger – The dog trained in a saltwater tank

The Clown Trigger is one of the most unique and interesting species of fish. He is often described as a dog in a fishbowl because he can have just as much personality as your family dog. Some people even pat them, although depending on their individual personality, this could result in a nasty bite.

The Clown Trigger is found in the tropical coastal waters of Africa, the Indo-Pacific region and in the Red Sea, with a depth of one to seventy-five meters. It lives mainly in coral reefs and can grow up to fifty centimeters long. Its unique coloring and amazing personality is what drives so many people to keep this fish as a pet.

The Clown Trigger is a leathery, scaleless fish related to a leather jacket. The color pattern of an adult (dark body with large white spots on the belly and fine black spots on a yellow background on the upper part) is clearly different from that of a juvenile (small white spots on the entire body with only a small area yellow around the dorsal fin), but both are equally beautiful. Adults are a solitary species often seen swimming openly in the water. Juveniles are more secretive and usually live in small caves.

When nesting, Clown Trigger will become extremely protective, often attacking drivers who get too close. They have been known to repeatedly bite divers, even drawing blood through clothing.

When threatened by a larger fish, Trigger will stand upright, giving it an awkward shape to eat in and also widening its spines. This is one of the reasons why you should always use a double bag to transport them. He can also use his spines to wedge himself into the nooks and crannies of the reef, injecting the spines into the rock. It’s common for a Trigger to have an unusual sleeping spot thanks to this ability, making it less likely to be seen by a predator.

This is a very robust fish that is very easy to keep. It is less likely to develop white spots than other coral reef fish. If a white spot develops, lowering the salinity to 1.018 can be remedied, without the need for medication.

When you hold a Clown Trigger, you never know what you’re going to get as they can get very aggressive. A young Clown Trigger can be compatible with most fish. However, as he matures, his personality can become quite varied. A Clown Triggers growing in a community reef tank could become a large docile fish, living in harmony with the other inhabitants of the tank. On the other hand, he could become the psycho of the tank and attack everything, including your fish, your corals, your cat, and even you.

While you can never predict how your Trigger’s personality will develop, there is a better chance of producing a calmer fish by introducing it to your tank at a younger age, keeping it with other placid fish, and not feeding it live food. Ideally, this fish should be fed a variety of high-quality foods, including pellets and frozen foods.

Allowing longer time intervals between feedings, feeding live foods, and gradually increasing the size of what you are feeding will have the opposite effect, producing a fish so aggressive that it could easily kill a small shark. In fact, Triggers are more aggressive towards larger creatures like sharks and rays, often biting them, so be careful when mixing these species. It is also not a good idea to keep Triggers with invertebrates and snails, as these form a large part of their natural diet.

In the wild, the Clown Trigger’s strong jaws are used to crush hard-shelled sea urchins, crustaceans, and mollusks. In your aquarium, they could be used to bite into an air line or power cord, so make sure you have a safety switch. They could also bite your hand and tear your flesh, which is very painful, so be careful. (This is another reason to keep them double bagged when moving, as they may chew through just one.)

While they may be a handful, the Triggers have amazing personalities that make them worth your time. They are some of the most intelligent fish you will come across and often engage in behavior that appears to be purely for their own entertainment. They will also do many things to get your attention or to feed themselves. This author could relate many weird and wonderful stories involving Triggers. One involves a Trigger stacking rocks, piece by piece, into a finely balanced tower. At the risk of sounding anthropomorphic, he seemed quite proud of his work, stopping to admire the structure after each successfully balanced rock and even defending his tower from other fish. When the tower had finally collapsed, the Trigger would start over making it taller each time. (Likewise, a trigger on a coral tank will often relocate corals by picking them up and dropping them wherever it wants.)

At other times, I’ve seen Triggers happy to engage in games like follow your finger or fetch. They love to run their finger across the glass of the tank. At times, I’ve repeatedly dropped a small colored object into the tank, only to see Trigger swim down, pick it up, and spit it out of the water.

It’s common for a Trigger to do anything to get your attention. They can make loud noises by smashing stones against glass or other rocks, spit and splash large amounts of water out of the tank, bite the front glass of the tank, even to the point of scratching it, or swim upside down throwing like crazy against the glass of the tank. aquarium (possibly also because they are enjoying the strange feeling of starting upside down). If you’re worried, just make sure you have a set of caps on the tank. This will prevent it from spitting water on the lamps and on the ground and jumping.

Triggers can also be easily taught to jump out of the tank to eat. Once your Trigger is comfortable with hand feeding, you can start slowly pulling the food out of the water and of course the fish will swim to get it. Before you know it, the fish will be literally jumping out of the water with pinpoint precision to take the food from your hand. Over time, they’ll even jump out of the tank to land on the ground (if it wasn’t for their trusted network). Just make sure you place the food at the right angle and of course catch them every time.

The most infamous trigger this author has kept was a little guy we call Nugget, who didn’t mind being pulled out of the water to be fed. He could even place it in a can of fish food and watch him try to eat the food while he is lying in the can. He would put it back in the water after twenty seconds, but he always seemed ready to do it again, going right back to where I got it from.

A different type of activator that you should be aware of is the wavy activator. This is a much more timid species that spends more time in hiding, making it more difficult to be aware of their actions. If a Clown Trigger attacks another fish, it will be very clear that the Clown Trigger was responsible. However, with Undulate Trigger it will often appear placid and harmless when you’re around, but will systematically kill your other fish. The Undulate is much less predictable than a Clown Trigger and probably shouldn’t be kept with other fish. Its coloring is not as striking as that of the Clown Trigger. They are a green looking fish with pale yellow stripes.
The Clown Trigger is truly a fantastic and fascinating fish and an amazing fish to keep. Its beautiful color and amazing personality make this a fish you will never regret buying, and you will definitely never forget.

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