About 0% APR Credit Cards

April 30th, 2010 - 
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APR, (which stands for annual percentage rate), is an important factor when deciding what credit card you want to sign up for. Specifically defined, APR is simply the rate of interest you will be charged by your credit card company. Credit cards offer a variety of approaches to APR. Some will offer you a fixed-rate APR, so youll be paying at a particular interest rate for the whole time you have a balance. Others will offer you an introductory APR. You start off with a very low interest rate then after a certain period of time, it would change to a higher rate. However, what you should try to look for are 0% APR credit cards. With 0% APR credit cards, you do not have to worry about an interest rate at all for a defined period of time. In fact, the average time period that most credit cards will offer a 0% APR is usually 6 months to 1 year. There are even a few 0% APR credit cards that may offer this rate for as long as fifteen months!

So, why do 0% APR credit cards exist? Its simple. By offering 0% APR credit cards, companies hope that their customers are going to embark on a spending frenzy. When the phenomenally low APR rate ends, 0% APR credit cards turn into credit cards charging a normal interest rate. The customer has to pay at this rate until their balance is paid in full.

For this reason if youre considering signing up for a 0% APR credit card, it is very important you do whatever you can to pay your balance before the 0% APR term is up. For example, if you get a 0% APR credit card that has a 0% APR for 1 year, you will have exactly 1 year to pay whatever balance you have before you get charged interest. To try and avoid having a balance that you cant afford, its best to spend small and pay it off as soon as you can. You may even want to make your own personal payment plan where you set aside some money thats to only be used for paying your credit card.

With that being said, if youre still interested in obtaining a 0% APR credit card, you should look no further than the Internet. Of course, it may be tempting to use one of the offers that come in the mail, but if you do that you may not get the best 0% APR credit card available. This is because there are some 0% APR credit cards that, in addition to offering a non-existent APR, also offer additional rewards. These can include: special points that can be redeemed for merchandise, travel rewards or even cash back. This means if you spend carefully enough, a 0% APR credit card can actually earn you free stuff or cash to help you pay your other bills. But if you sign up with just any 0% APR credit card offer you might receive in the mail, you may not get these advantages.

So, set the mailing aside and go on the Internet first. Visit a credit card comparison website, choose a card and follow the prompts to sign up for the offer. When you are finished, most 0% APR credit card sites will let you know in a matter of minutes if youre approved or not. If youre not approved do the process again. Keep doing it until you find the right 0% APR credit card. If you cant find anything, only then should you send in any mail-in offers you may have received.

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How To Make Money On Ebay

April 30th, 2010 - 
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The auction website eBay is an ideal outlet for those who are looking to buy just about anything, and for those who are looking to sell just about anything. Selling items on eBay is a great way to earn extra money, unload some old things from around your house, or to start a home-based business for yourself. Using eBay can become quite a profitable venture, and you can do it all from your own home. All it takes is some merchandise, a little background information, and some determination for you to make money on eBay.

You know that saying, “One man’s junk is another man’s treasure?” Well, that adage has never applied to something better than it does to eBay. If you have a lot of old and unused items lying around your house or cluttering up your garage, clean them up, and sell them on eBay! You can begin to make money on eBay right now! It’s so easy to start an auction on eBay.

First, make sure the item is not damaged and that they are cleaned up and operational. Then, you will want to take a few good photographs that you can use on the site to showcase the item. You might also want to do a little background research on the item, so that you can write a really thorough description, as well as be able to answer any questions that a bidder might have about it. Once you have all of the information about the particular item you want to sell, post it (along with the photographs) on eBay. Then, decide on your opening bid price.

The opening bid price is an important step in the process. Either you can start at a really low bid in order to see lots of action, or you can start with a minimum bid that you will accept. If you start with the lowest possible bid, though, you might be risking taking a lower price overall for the item than you might want, as well as have to pay eBay listing fees. So, really think about your opening price.

If you do start out with the higher minimum bid, it might take a while for your item to catch on. Don’t worry, though, because it only takes a few people to be interested in an item to have an auction. If you have prepared well, presented your item in the best possible way, and opened with a fair bid price, you will begin to make money on eBay in no time.

Once you have sold all of your own items, you might find that making money on eBay was pretty easy, and you want to keep doing it. So, what should you sell? The first thing to do is to think of things that you would be interested in selling, things that you have knowledge about. Maybe you are crafty, or you can sew, and you can produce interesting and quality products to sell on your own. If you do this, you know what you are selling, and you can answer any questions that bidders might have about the merchandise. If you can’t produce your own items to sell on eBay, you can try purchasing new items through a wholesaler, or you can scour yard and garage sales on the weekends in search of unique or interesting items.

It is easy to make money on eBay when you are selling something that you are interested in and have knowledge about. However, it is important to remember that, as a seller, it is your responsibility to be professional, courteous, and timely with all of your buyers and their transactions. Negative ratings can put an end to your eBay career as quickly as you started it. If you are conscientious and polite as a seller, though, you will earn a good reputation among eBay buyers, and people will return repeatedly to bid on your items. In addition, word of mouth is the best advertising you could ask for. Selling items is a great way to have a home-based business and make money on eBay!

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How to make money in the stock market

April 27th, 2010 - 
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There are abundant of money in the stock market. However, not everybody can get the money out from there. Some people can gain a lot from the stock market but some has lost a lot of money there. It is very indecisive. Sometime at that moment, you loss money but after a few days, you may earn a profit and sometime is reverse. So, how should we do to get the money out from the stock market? Usually, there are two ways to get the money out from the stock market; that are investing and trading. The difference between trading and investing is trading involves buying and selling share, future or option within a short period of time; whereas investing is buying share, future or option and hold it for quite a long time, usually one year or more before selling it.

What is the difference between share, future and option? What we know is that option is much cheaper than the share and future, usually is tenfold lesser than the share price. So, if you have an amount of money that enough for you to buy 100 units share, you can use that amount of money to buy 1000 units option. And the return of investment is almost the same between share and option. Therefore, you will earn around tenfold if you buy option rather than share or future. However, the disadvantage is that if you lose on that trade, you will lose almost tenfold also. When we trade option, the amount of money that we can profit and lose is almost same as if we trade share. However, we need a lot of money to buy share compared to buy option. This causes the percentage of the profit and loss for buying option is much higher than share. The example is like when you buy $10 for one unit of share and $1 for one unit of option. When the share price drops for $0.10, the percent drop for buying share is 1% but for buying option, the percent loss is 10%. Thats why the percentage of the profit and loss for buying option is huge compared to buying share even though the share price fluctuates in a small amount.

Due to the high profit and loss when buying option, trading or investing option is just like gambling. It is quite normal that the return of investment is more than 100%. But it is also quite normal that you could lose all your money in the investment or trading. In order that you can earn more than lose, you need to know some basic option trading strategy and technical analysis. Option is different from the share. Option has time value; whereas, share does not have time value. The value of one share will not depreciate due to the passage of the time. It is only affected by the supply and demand and also the company performance. However, option value will depreciate when the time has passed. When the time reaches to the option expiration date, there is no more time value for that option. Thats why, you need to use strategy to trade option, in order that you can minimize the loss and maximize the profit.

The very basic two option trading strategies are bullish call spread and bearish put spread. Bullish call spread is used when the stock price is anticipated to rise in the coming months; while, bearish put spread is used when the stock price is anticipated to drop in the coming months. Steps that are involved in this strategy are buying in the money option and selling out of the money option. In the money option is the option that has time value and intrinsic value; whereas, out of the money option only has time value. When the stock price moves to the positive side (generated money side), in the money option will generate profit and the out of the money option will cause loss. However, the minus of the profit and the loss is the net profit that has generated from this strategy. When the stock price moves over the out of the money strike price, the profit will become maximized. Continuously moving of the stock price to the positive side will not generate any profit. In this situation, we will close both positions to take the profit out from the market.

If the stock price moves to negative side (opposite side that cause loss), in the money options value will depreciate and the out of the money option will generate profit. However, the profit, which is generated from the out of the money, is limited to the price that you have sold. The subtraction between out of the moneys profit and in the moneys loss is a negative value. This is because the profit that is generated from the out of the money option is less than the loss that is caused by in the money option. Out of the money options profit is limited in this strategy and in the money options loss is unlimited. If the stock price continuously moves to the negative side, you may lose all of your capital. So, what is the difference from buying naked option and buying option using spread strategy? The difference is that you may lose more money if you buy naked option and lose less money if you buy spread. This is because you do not generate any profit when you just buy naked option; whereas, profit is generated from the out of the money option if the stock price moves to the negative side. The disadvantage of the spread is that the commission, which is charged by the broker firm, is double compared to the naked option. This is because, naked option only involves one position; whereas, spread involves two positions. Each position will be charged with commission separately.

Besides, the purpose of selling out of the money option in the spread strategy is to minimize the loss of the time value of the in the money option. Actually, both in and out the money options time value would depreciate when the time has passed. Because we do not own the out of the money option; therefore, we can keep the money that we have received from selling that option. When the time value of this out of the money option has depreciated, we used lower price to buy back the option. So, we sell at high price and buy back at low price; therefore, we earn money. The money that we have earned usually is enough to cover the loss of the time value from the in the money option. However, you still lose the intrinsic value of option if the stock price moves to the negative direction.

So, bullish call and bearish put spreads are two of the very basic option trading strategies. However, it is not guaranteed 100 % win from the stock market. You still need to learn to predict the stock price direction accurately using technical, fundamental and news analysis.

Alexander Chong

Author of Workable Option Trading Strategies

http://www.makemoneystocks.com/

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5 Things You Should Know About 0 APR Credit Card

April 25th, 2010 - 
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5 Things You Should Know About 0 APR Credit Card Offers

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If you have received one of these offers in the mail, you know how tempting they can be. They claim that you will pay no interest on any purchases or balance transfers in the first period of owning your card. But there are some things about these offers you need to know before you sign on the dotted line and let them pull your credit report

1.The 0 APR offer is for a limited time.

Most credit card companies that offer the 0 percent interest rate deal only offer it for a limited time. This means that you will pay 0 APR for six months, nine months, or up to a year. You need to check the fine print for this information and be careful to notice it when the time is up.

2.The 0 APR offer might not apply to everything you put on the card.

Many cards offer 0 APR on all balance transfers and any purchases made during the introductory 0 percent interest period. But some only offer the 0 APR on balance transfers, and you pay a very high interest rate on any purchases.

3.The 0 APR offer might be null and void if you are not on time with your payment.

Most of these credit card offers are contingent on your being an exemplary member. This means that you have to pay your minimum payment on time every month during the introductory period or else you automatically lose your nice 0 APR and move up to a rate that usually ranges from nineteen to twenty-one percent interest.

4.The 0 APR offer might carry a ridiculously high interest rate after the introductory period is over.

Again, the rate of interest for these cards after the 0 APR is over usually runs from nineteen to twenty-one percent.

5.The 0 APR credit card will not repair your credit.

Remember that consolidating your cards or transferring your loan balance will help you pay off the balance without interest, but it will not remove the damage already done to your credit.

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Freebies Free Antivirus Software

April 25th, 2010 - 
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In this world where money plays an important can you imagine getting something for free? Do not panic today you can find many outlets that give away stuffs for free. No, they are not doing any social work. But yes they are giving different freebies. These outlets provide you free stuffs with best possible bargains and absolutely free. To find out who they are just perform a short search online and you can find a list of such sites.

There are number sites that give away absolutely free goods, completely free of no cost, but sometime you may have to pay for a shipping charge which is nominal. Other most popular way to get real free freebies is to fill a short survey and send your feedback about the companies newest product. Among the best giveaways are “the crazy frog free ring tones, cash for surveys, cinema tickets, quality beauty freebies, and car cash back offers. The list is endless. There are hundreds of places where you can get legitimate freebies. One of such free stuffs that you can find online is free antivirus software.

If your computer is getting frequent virus pop ups, its the time you start thinking about free anti virus software. With hundreds more viruses being created every month, all computers should have some form of virus protection. There are number of sites where you can find a round up of the Web’s best freeware anti-virus checkers and cleaners, which stop all kinds of “dodgy” files from entering your PC. You’ll no doubt be pleased to hear that the majority of programs listed here provide comparable protection to most commercial packages.

Getting good antivirus software is critical for the health of your computer, which is as good as getting a vaccine for your body when you are down with viral infection. Fortunately enough, this is a well-developed industry and there are many good anti-virus products on offer.

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How To Make Money In Sideways Market?

April 25th, 2010 - 
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To be successful in forex trading, following the trend perhaps would be among the most popular skills that a trader must master. However this article wont discuss about trending, but discuss about its opposite. History shows that most markets tend to move in a non-trending, or “sideways” fashion more of the time than they are in a trending mode. So how to trade in non-trending markets. The most popular answer would be “swing trading.”

The key point for swing trading is finding a market that is trapped in a sideways trading range (also called a congestion area), or in an up-trending or down-trending channel on the chart (remember, channel!). When observing from the chart, the trader must be able to distinguish some clear support and resistance levels that are boundaries of the congestion area or channel. When a market price comes close to the support or resistance area boundary, the trader will establish a position: long if prices are moving lower and close to the support boundary, and short if prices are moving higher and toward the resistance boundary. It sounds simple, but remember, trading contains a lot of surprises. The price might break out the support or resistance boundary anytime, therefore skills to response quick, or good money management strategies are always critical characteristics of a seasoned trader.

Swing trading techniques can be used in any chart time frame — daily, weekly, monthly and intra-day charts. Nevertheless, the most popular timeframe for swing trading is the daily bar chart.

Note that the strength of the support and resistance at the boundaries is usually determined by the number of times the market has pivoted at the boundaries. The rule is that the more times a market has reached a support or resistance boundary, and then reversed course, the more powerful is that boundary. It can also be said that the longer continues a channel, the more reliable is that channel. Thus, a trader wants to find a well-established channel or trading range for which to attempt to swing trade.

An exception to this is a market that has been in a trading range, but is bound by one or two powerful spike moves, which also indicate a strong support or resistance boundary. That means some congestion areas that may offer a good swing-trade opportunity do not require several pivot points. In fact, those one or two spike levels would be determined to be a potentially good pivot area for a market.

The swing trader should still use tight protective stops. As I mentioned, a breakout can occur anytime, might due to bad political news etcGood money management strategies will keep traders out of problems. A good area to place a protective stop is just outside of a support or resistance boundary that makes up the trading channel or congestion area. For instance, if a market in a trading channel is nearing the upper boundary of that channel, the swing trader would establish a short position and would want to place his protective buy stop just above the resistance level that serves as the upper boundary of the trading channel.

In contrast, if a market is nearing the lower boundary, the swing trader would establish a long position and place his protective sell stop just above the support level.

I would explain how to trade in the trending market in the next article. Trade in trending market would be different, it is about identify the signals and ride the trends.

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How to make money in forex with forex raptor

April 22nd, 2010 - 
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Have you ever thought about trading in forex or currencies, and wondered how you could potentially cash in a heavily fluctuating money market?

Imagine, just you setting up a forex account, trading your currency against another country’s currency to make money. Or perhaps consider that you could trade any currency in the world, as long as the broker supports the inter-trading of the two forms of money.

Being in forex trading has alot of positives and negatives. Sure you can at least imagine the positive benefits, of being financially independent, making money off of competing currencies, trade on the laptop on a yacht in the middle of nowhere, drinking a mai-tai, and have a ball living it up.

Now let’s also bring to focus the cons of trading forex. For one, there is a potential catastrophic loss of funds if you do not know what the heck you are doing. You just cannot drop your life savings or snack money to a forex trading account and expect it to grow money. Alot of traders, matter in fact close to 95% of traders end up losing their shirts the first go around, and ever if they try again, they bet more money, and get into serious debt. The thought of answering to your wife about losing all of your son’s college money to speculating the euro/dollar is not pleasing I am sure.

Now, that we have compared two extreme situations, one for the good, and one for the bad, we need to see what we can do, if you are even still interested in forex trading at this point, you should build a descent knowledge base on trading, and a success plan to manage and earn over a period of time.

When I say plan for earning money, it doesn’t mean double your money in a short time. It means growing incremental income over a longer term time frame, rather you do it with day trading, or long term positioning. Having at first a modest gain, will get you to learn how to build your game trading forex. It doesn’t happen overnight, and usually the folks who are luck first and foremost, will end up losing some later in the process anyway.

Recently, I have stumbled upon a new forex program, called forex raptor. Forex Raptor is a totally unique and automated piece of software, that on all of the major currencies. Yes that means the software monitors and tracks major currency pairs such as the dollar against the euro, dollar against the yen, euro against the pound etcetera.
The major currency pairs are the ones where the majority of successful forex traders speculate and make their coin. Rarely do anybody make major amounts of money on lesser known “exotic” pairs.

With forex Raptor, either making a second income, or creating the ultimate work at home career trading currencies will assist you in becoming part of the trading elite. Imagine trading as well as the top guys without looking endlessly at charts, reading news about some oil company robbing peter to sell mary, and seeing how that affects currency pricing.

Forex Raptor has 24 hour access to trading pros, just in case concerns and question do arise, and they will eagerly assist you in process of learning the trading software too!

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How to Make Money in an Online Magazine

April 20th, 2010 - 
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Many people are now trying to involve themselves in an online business. There are a variety of online business opportunities, you go from providing a service or a product. And one of the more popular ways of making money in the internet today is through an online magazine.

Although an online magazine does not need any lay outing unlike a print magazine, there are still many who consider it as a difficult business to handle. Therefore, when only starting in this business, it is best to keep your purposes reserved.

Consider the following steps to make money in an online magazine a success.

1.Identify your topic. This will make sure that your online magazine will be consistent with its niche, allowing to provide great quality and regularity.

2.Think of your capital. You will need money to spend for your articles, server space, maintenance, and your site design and programming. You should have a proper marketing strategy on how you can handle all the expenses needed for this business and how to advertise your online magazine.

3.You will have to work with other individuals. An online magazine will surely be a hit if you also get ideas from others who can contribute ideas and share some knowledge to your online magazine.

4.Think on how you can earn from this business. Your chance on earning a big amount depends on how your advertising goes. Be sure to attract a market to read your magazine.

5.Consult your lawyer and other experts. Ask for advices regarding your business.

6.Decide on your modes of publishing. Do you want it to be on a day-to-day basis, once or twice a week? Remember a regular schedule will keep your readers coming back to your site. This means regular earnings will also come your way.

7.Learn how to keep your site to appear more pleasing to your readers and keep them interested.

If you want to profit big from an online magazine, be sure to think of the above steps. A systematic steps and proper planning in this business will assure you of a great success in the future.

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5 Pros of Owning a 0 APR Credit Card

April 19th, 2010 - 
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When you get the offer in the mail for a 0 APR credit card, you may be tempted to throw it out, thinking that it is too good to be true. But before you toss it in the circular file, take a good look at it. There are some distinct advantages to owning one of these 0 percent interest cards that could help you in ways you dont know yet.

1. Transfer high interest credit card balances.
If you have a credit card that you use often but cant seem to pay off, you can transfer the balance of this card to your new 0 APR card. If you are paying twenty percent interest on another card and have stopped using it because all you can afford to pay each month is the minimum balance, this is a great option for you. You can not only pay off your other balance, but you can also get your purchasing power back.

2. Consolidate all credit card debt to one card.
For people with several credit cards that are maxed out, consolidating them all onto one 0 APR card is the perfect way to pay down the debt quickly. Instead of your monthly payment going to the interest alone, you will be able to pay on the principle for the entire 0 APR introductory period.

3. Transfer high interest rate loan balances.
If you have a car loan that is at an exorbitant interest rate, this is your chance to pay off the loan with no interest. Pay it off at the bank with the 0 APR credit card and then make your interest free payments to the card to pay off this balance.

4. Make big ticket purchases with no interest financing.
Planning to buy some furniture or an appliance? Want to buy some plane tickets to Europe? Use your 0 APR credit card to finance the purchase of these items at 0 percent interest.

5. Improve your credit.
By paying your bill on time each month and paying off balances from other cards or loans, you improve your credit score and better your chances for getting future credit offers.

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How to Make Money Growing Rooted Cuttings and Selling Them

April 17th, 2010 - 
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How to Make Money Growing Rooted Cuttings and Selling Them Wholesale

Once you know how to effectively propagate landscape plants, you will soon have more rooted cuttings than you can use. At that time you can decide whether or not you should quit growing cuttings, since you have all you need, or maybe youd like to sell some of your cuttings to a wholesale grower.

Let’s discuss how easy it is to start a business selling lining out stock. Thats what nurserymen call the little plants that they buy to plant out in the field or in containers. Lining out stock, or liners for short.

Nurserymen buy plants? you might be asking.

Yes they do. Nurserymen probably buy more plants than any other group of people in the country. Why would they buy them if they know how to grow them?

Because sometimes they cant grow them fast enough to keep up with the demand. Or maybe they would like to grow a certain variety of plant, but cant grow it themselves because they dont have any place to get several thousand cuttings. So what they do is buy in rooted cuttings, plant them in the field or in containers, and then they either grow them on to sell, or they grow them on and just keep them around a year or two longer so they can take cuttings from them.

Then once they have a supply of their own plants they can sell the ones they bought in that are now landscape size. Does this make sense?

Lets say that Mary the nursery owner buys 1,000 Variegated Weigela rooted cuttings at 50 cents each. She plants them in the field in the early spring and they take off growing like crazy. That summer she goes out and takes 3 cuttings from each plant (they need pruning anyway, right?).

She sticks those 3,000 cuttings under intermittent mist and in about 5 weeks she has 3,000 rooted cuttings that she can plant out that fall, and she does just that. The following summer she can get about 6,000 cuttings from the original 1000 plants that she bought, plus another 9,000 cuttings from the 3,000 she planted out last fall.

Thats a total of 12,000 cuttings.

She continues to plant her rooted cuttings out in the field and keeps taking cuttings from them until she has all she wants to grow. From then on she can take as many cuttings as she needs from the plants that she has in the field.

By now the original 1,000 plants that she bought at 50 cents each are large enough to dig and sell, and they are worth $10.00 to $15.00 each wholesale. Thats $8,000 from a $500 investment, plus she can produce as many variegated weigela as she wants without buying any more cuttings.

Does it really happen this way? Yes it does. I was recently talking to a friend who grows and sells all kinds of plants and he told me that he has been buying Dwarf Alberta Spruce cuttings and growing them on and selling them. He doesnt even root any himself, he just buys 5,000 every year, pots them up and sells them wholesale. How many other nurseryman across the country do you suppose do that?

To get started you can either buy a stock plant or two, or buy several hundred cuttings of the variety that you would like to sell. Instead of planting them out in the field, I would plant them in beds. Make each bed 4 wide so you can reach the center to weed and take cuttings, and place the plants in the bed 10 apart.

As long as you keep taking cuttings the plants will remain fairly small, and compact. Then after two or three years dig them up, put them in pots and sell them. By then you will have thousands more coming on that you can take cuttings from. Start out slow until you know what there is a market for.

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