顯示具有 Funds 標籤的文章。 顯示所有文章
顯示具有 Funds 標籤的文章。 顯示所有文章

2012年11月2日 星期五

How To Raise Funds During the Summer Holidays?

Summertime is a great time for having fundraisers. You can use many fundraising options to raise funds during the summer holidays. To do this, you need to make a list of various fundraisers to consider.

Car Wash

This is the most common fundraiser that is done during the summer. Kids are not in school and are available to perform random work to raise funds for a school trip or other function. It's important to find a central place where you can get people to come to your car wash.

BBQ

The summer season is the best time to have a BBQ. Go to a local park that is frequented by local people in your area. Prepare the BBQ and even offer a raffle. Determine the amount to charge for every plate.

Fun Day

Plan a family fun day in a local park in your area. You can advertise by inviting all your neighbours to spread the word or put up fliers around town. List the hours and activities that will be available. Activities could include an egg race, a sack race, and even an obstacle course or you can even have an Olympic or sporting theme. Ask for donations from all participants.

Bike Ride

A bike ride in your town may require contacting your local council. You may need help from your local cycling officer to set up a bike ride. A bike ride can also be set up on your own. Take donations from all participants before the ride or after you have reached a predetermined destination.

Beach Party

You do not need to go to the beach to have a beach-themed party. A beach party can easily take place at a clubhouse or local pool. Food can be provided with games and even a raffle to collect more pounds to meet your goal.

Golf Day

Organise a fundraiser at a local golf course or driving range. Charge an entry fee and provide drink and food for the participants. Arrange prizes for various contests that will help you to raise funds. You can also use a putting green.

Treasure Hunt

A local park is a great place to arrange a treasure hunt for kids and families. Plan your treasure hunt by preparing a series of clues that are used to find the treasure. You can ask for a donation to join in on the fun or charge an entry fee. Make the treasure hunt exciting by using multiple clues for your participants to follow until they find the hidden treasure.

Face Painting

The summer season is the time for fairs. Ask the organisers of fairs in your area to paint faces to collect funds for a charity or other purpose. Create a sign to display, which tells people the charity or cause for the fundraising.

For more information on general fundraising including easy fundraising ideas and sponsorship ideas, visit Easy Fundraising who can offer help in the field.


View the original article here


This post was made using the Auto Blogging Software from WebMagnates.org This line will not appear when posts are made after activating the software to full version.

2012年9月14日 星期五

Finance Basics: Money Market Funds: Treasury Bill, Commercial Paper, Certificate of Deposit


Some Basic Financial Terms and Definitions

Credit Risk

Credit risk is the risk of default of a security. The higher the risk, the higher the yield of the security has to be to be attractive to investors.

Liquidity

Liquidity is measured according to how easily a security can be converted into cash.

Tax Status

The tax status of an investor matters when investing in securities. The higher the tax bracket of the investor, the more taxes need to be paid on the gains/yield of a security.

Term to Maturity

The term to maturity is a specified term of time (days, months, years) that a security needs to exist to mature.

Call Feature

The call feature is an option that allows the issuer of a bond to buy bonds before the maturity date back, at a specified price.

Conversion Feature

The convertibility clause allows investors to convert bonds into shares of common stock. This is beneficial if the market price of a bond decreases, because an investor will have an additional option of converting the bonds into a specified number of shares of common stock, rather than selling the bonds in the market.

Common Instruments of a Money Market Fund

Treasury Bills

Treasury bills are highly liquid, short-term securities issued by the government to borrow funds from investors. Treasury bills are typically sold through auctioning on a weekly basis; however treasury bills with a one year maturity term are issued monthly. The lowest amount of a treasury bill (par value) is $1000 and thereafter in multiples of $1000 and is sold at a discount rate of the par value whereas at the maturity of the treasury bill, the investor receives the par value and therefore has a profit between the par value and the discount price he/she purchased the treasury bill at. A benefit of treasury bills is that they are free of credit default risk, because they are backed by the government.

Commercial paper

Issued primarily by finance and bank holding companies with a maturity date between one day and 270 days, commercial paper is a short-term debt instrument with a goal to either provide liquidity or finance a company's investment. The minimum amount investment in a commercial paper equals $100,000.

Negotiable certificates of deposit

NCDs are short-term certificates with maturity terms ranging from two weeks to a year with a minimum investment amount of $100,000. Nonfinancial corporations are the most common investors, while individuals rarely invest indirectly invest in NCDs through money market funds. NCDs offer some liquidity.

Repurchase agreements

Repurchase agreements usually amount for $10,000,000 or more with maturity terms between one day and six months and are agreements where one party sells securities to another party with a certain date and price to repurchase the securities specified in the terms of the agreement. Common participants in repurchase agreements are financial and nonfinancial institutions.

Federal Funds

The most common participants in the federal funds market, which allows depository institutions to lend funds from each other at the federal funds rate, are commercial banks. The transactions are usually completed by funds brokers that receive a commission for their service. Common maturity terms of these transactions are between one and seven days with amounts starting at $ 5 million.

Banker's acceptances

Banker's acceptances are slightly credit risky short-term (usually between 30 and 270 days) agreements between (most commonly) exporters and a bank with the bank accepting responsibility for future payment. For this risky agreement (from the bank's perspective) the bank is reimbursed the funds by the importer in addition to a fee.

Municipal Bonds

A municipal bond is a bond issued by the federal government to finance the difference between spending by the government and the revenues they receive. Municipal bonds have a credit risk of default; the level of risk can be measured by the bond rating issued by Standard and Poor's. The minimum amount for a municipal bond equals $5000. The majority of municipal bonds are callable; generally interest is paid out semiannually to investors and the interest gained from municipal bonds is tax-exempt. Secondary markets for municipal bonds can be either active or inactive. Finally, municipal bonds generally offer a lower yield than Treasury bonds.

Over-The-Counter Transactions

Over-The-Counter transactions are completed through a telecommunications network, which means that a stock is traded through a telecommunications network in a market without a trading floor. Over-the-Counter trades do not require the purchase of a seat for the trade, because they are not listed as organized exchanges.




Nicole Elmore
Entrepreneur. Artist. Writer. Business Woman. Friend. Designer. President and CEO of Elmore Marketing.

My Blog: http://myblog.nicoleelmore.com
My Website: http://www.nicoleelmore.com

Providing readers with tips, tricks, deals, and reviews in areas of Lifestyle, Shopping, Deals, Health & Beauty, Business, Travel and More





This post was made using the Auto Blogging Software from WebMagnates.org This line will not appear when posts are made after activating the software to full version.

2012年7月8日 星期日

Invest on CDs - Step up Your Funds


For those who are trying to trace the connection between CDs and funds, let's clear it at the onset. The CDs under discussion are not the compact discs you play, but the Certificates of Deposit (CDs) that you invest on to grow your money in the bank or other financial institutions.

Commonly referred to as 'money in the bank', CDs are nothing but time deposits offered by banks, credit unions or thrift institutions. These are a type of savings accounts, but these are time-bound. CDs have fixed terms (three, six, twelve or more months) and fixed interest rates for each term. CDs are meant to be kept in the banks till they mature. One good thing is that these are insured by FDIC (for banks) or NCUA (for credit unions). Therefore, your investment is virtually risk-free.

CDs are the right choice for those who want to build their finances and secure their earnings. If you asked why, the reasons are not hard to guess. The interest rates on CDs are typically much higher than ordinary savings accounts. Now, you may be wondering why the banks and credit unions would offer CDs to investors if they have to pay high interests. It's simply because they expect you to keep your money with them for a fixed period of time so that they can use it for other purposes.

Having a certificate of deposit is easy. It is simpler than opening a bank account. All you have to do is tell your bank or credit union that you'd like to buy a CD. Next, you will have to fill up a simple form with some disclosures and they will move your money into your CD. There isn't any actual certificate; all you will see is a discrete category on your finance statements for the CD you created.

When the CDs pay interest, you have two choices: 1) to spend the interest, and 2) to reinvest it. It's always wiser to reinvest because if your interest earns some interest along with your deposits, your funds will grow faster. And when one CD matures, the bank automatically rolls out that money into a new CD, if you do not provide them clear-cut instructions.

However, interest rates on CDs keep fluctuating. If you want the best certificate of deposit rates, you will have to shop around and see who is offering the best rates in your area. Brokerage firms, online banks, finance blogs are some great places to shop for they offer attractive CD rates.

So go ahead, invest on CDs and step up your money now. Just make sure that your bank or credit union is insured and that you don't withdraw your money before maturity because the penalties are high in such a case. Happy banking!




Wain Roy is an Internet marketing professional expert in various industries like real estate, web design, finance and best certificate of deposit rates





This post was made using the Auto Blogging Software from WebMagnates.org This line will not appear when posts are made after activating the software to full version.

2012年6月30日 星期六

Individual Retirement Account (IRA) Investment - Mutual Funds


You are invested in Individual Retirement Account (IRA) certificates of deposits and bonds for your retirement. These are excellent investments; but you do not want all of your IRA investments in these type of savings because you can get locked in with low annual percentage yields. It was just a few years ago that you were fortunate to get a certificate of deposit with 2.75% yield.

You are looking for another type of retirement investment that provides a higher annual return and you want to exercise caution. Your goal is to maintain a comfortable life style whether the market goes up or the market goes down.

A excellent IRA investment option is a Mutual Fund -- the common name for an open-end investment company. Like other types of investment companies, mutual funds pool money from many investors and invest the money in stocks, bonds, short-term money-market instruments, or other securities. Mutual funds issue redeemable shares that investors purchase directly from the fund or through a broker for the fund. As an IRA investment in your portfolio, you want a mutual fund to meet certain conditions such as:

1) Return over long-term (5 years) should be above the average certificate of deposit yields. An example would be a mutual fund that provided 35% or 7% average for 2002 through 2006. There is no guarantee of past performance but it can help you assess the fund's volatility.

2) Risk has to be minimal. The risk ratings of mutual funds ranges are low, below- average, average, above-average, or high. Risk is a standard deviation of the return on total investment.

3) Distribution the mutual fund gives its shareholders income and/or capital gains. All distribution should be reinvested and thereby increasing the number of shares owned. Taking this action enables you not to be taxed for the income or capital gains received. You acquire shares of the mutual fund at a lower net asset value price (the share price is reduced by the amount of distribution).

4) Total Expense ratio should be low or should not exceed the average of other mutual funds serving the investment classification. The total expense ratio is the fund's total annual operating expenses which includes management fees, distribution (12b-1) fees, and other expenses is expressed as a percentage of average net assets.

On September 15, 2006, Mutual Interest Data Service created a mutual funds model and hypothetically invested $10,000 four mutual funds.

The objective for the investment was: 1) achieve performance growth, 2) increase the shares owned, 3) minimize the risk, and 4) maintain a comfortable lifestyle in all market conditions whether the markets up or the markets down.

o $2,000.00 (114.92 shares) Balanced

o $2,500.00 (89.22 shares) Equity Income

o $2,500.00 (139.60 shares) Multi-Cap Core

o $3,000.00 (20.19shares) Specialty Health

o $9,843.08 (-1.56%)total portfolio investment purchased after initial fees.

As of March 30, 2007, the total accumulated (distribution of income and capital gains and performance) return on these funds is $10,657.67 +6.58%. If distribution was not received and reinvested, the total return would be $10,144.85 +1.44%.

Mutual funds are not guaranteed or insured by the FDIC or any other government agency -- even if you buy through a bank and the fund carries the bank's name. There is no guarantee for past performance. Always contact the mutual fund and read the prospectus before making any investment.




Mutual Interest Data Service http://www.largedividends.com was created September 26, 1999. The purpose of the website is to be a unique resource based on finding top mutual funds that 1) distribute large income/capital gains and 2) maintain performance growth for a 5 year period. Thousands of mutual funds are screened and analyzed every year and a new data base of more than 900 mutual funds is created based on 5 year performance. Within the data base, the best 44 stock mutual funds serving 22 investment classifications are than selected. To validate our niche, a mutual funds model was created.





This post was made using the Auto Blogging Software from WebMagnates.org This line will not appear when posts are made after activating the software to full version.

2012年6月6日 星期三

Finance Basics: Money Market Funds: Treasury Bill, Commercial Paper, Certificate of Deposit


Some Basic Financial Terms and Definitions

Credit Risk

Credit risk is the risk of default of a security. The higher the risk, the higher the yield of the security has to be to be attractive to investors.

Liquidity

Liquidity is measured according to how easily a security can be converted into cash.

Tax Status

The tax status of an investor matters when investing in securities. The higher the tax bracket of the investor, the more taxes need to be paid on the gains/yield of a security.

Term to Maturity

The term to maturity is a specified term of time (days, months, years) that a security needs to exist to mature.

Call Feature

The call feature is an option that allows the issuer of a bond to buy bonds before the maturity date back, at a specified price.

Conversion Feature

The convertibility clause allows investors to convert bonds into shares of common stock. This is beneficial if the market price of a bond decreases, because an investor will have an additional option of converting the bonds into a specified number of shares of common stock, rather than selling the bonds in the market.

Common Instruments of a Money Market Fund

Treasury Bills

Treasury bills are highly liquid, short-term securities issued by the government to borrow funds from investors. Treasury bills are typically sold through auctioning on a weekly basis; however treasury bills with a one year maturity term are issued monthly. The lowest amount of a treasury bill (par value) is $1000 and thereafter in multiples of $1000 and is sold at a discount rate of the par value whereas at the maturity of the treasury bill, the investor receives the par value and therefore has a profit between the par value and the discount price he/she purchased the treasury bill at. A benefit of treasury bills is that they are free of credit default risk, because they are backed by the government.

Commercial paper

Issued primarily by finance and bank holding companies with a maturity date between one day and 270 days, commercial paper is a short-term debt instrument with a goal to either provide liquidity or finance a company's investment. The minimum amount investment in a commercial paper equals $100,000.

Negotiable certificates of deposit

NCDs are short-term certificates with maturity terms ranging from two weeks to a year with a minimum investment amount of $100,000. Nonfinancial corporations are the most common investors, while individuals rarely invest indirectly invest in NCDs through money market funds. NCDs offer some liquidity.

Repurchase agreements

Repurchase agreements usually amount for $10,000,000 or more with maturity terms between one day and six months and are agreements where one party sells securities to another party with a certain date and price to repurchase the securities specified in the terms of the agreement. Common participants in repurchase agreements are financial and nonfinancial institutions.

Federal Funds

The most common participants in the federal funds market, which allows depository institutions to lend funds from each other at the federal funds rate, are commercial banks. The transactions are usually completed by funds brokers that receive a commission for their service. Common maturity terms of these transactions are between one and seven days with amounts starting at $ 5 million.

Banker's acceptances

Banker's acceptances are slightly credit risky short-term (usually between 30 and 270 days) agreements between (most commonly) exporters and a bank with the bank accepting responsibility for future payment. For this risky agreement (from the bank's perspective) the bank is reimbursed the funds by the importer in addition to a fee.

Municipal Bonds

A municipal bond is a bond issued by the federal government to finance the difference between spending by the government and the revenues they receive. Municipal bonds have a credit risk of default; the level of risk can be measured by the bond rating issued by Standard and Poor's. The minimum amount for a municipal bond equals $5000. The majority of municipal bonds are callable; generally interest is paid out semiannually to investors and the interest gained from municipal bonds is tax-exempt. Secondary markets for municipal bonds can be either active or inactive. Finally, municipal bonds generally offer a lower yield than Treasury bonds.

Over-The-Counter Transactions

Over-The-Counter transactions are completed through a telecommunications network, which means that a stock is traded through a telecommunications network in a market without a trading floor. Over-the-Counter trades do not require the purchase of a seat for the trade, because they are not listed as organized exchanges.




Nicole Elmore
Entrepreneur. Artist. Writer. Business Woman. Friend. Designer. President and CEO of Elmore Marketing.

My Blog: http://myblog.nicoleelmore.com
My Website: http://www.nicoleelmore.com

Providing readers with tips, tricks, deals, and reviews in areas of Lifestyle, Shopping, Deals, Health & Beauty, Business, Travel and More





This post was made using the Auto Blogging Software from WebMagnates.org This line will not appear when posts are made after activating the software to full version.

2012年4月15日 星期日

Finance Basics: Money Market Funds: Treasury Bill, Commercial Paper, Certificate of Deposit


Some Basic Financial Terms and Definitions

Credit Risk

Credit risk is the risk of default of a security. The higher the risk, the higher the yield of the security has to be to be attractive to investors.

Liquidity

Liquidity is measured according to how easily a security can be converted into cash.

Tax Status

The tax status of an investor matters when investing in securities. The higher the tax bracket of the investor, the more taxes need to be paid on the gains/yield of a security.

Term to Maturity

The term to maturity is a specified term of time (days, months, years) that a security needs to exist to mature.

Call Feature

The call feature is an option that allows the issuer of a bond to buy bonds before the maturity date back, at a specified price.

Conversion Feature

The convertibility clause allows investors to convert bonds into shares of common stock. This is beneficial if the market price of a bond decreases, because an investor will have an additional option of converting the bonds into a specified number of shares of common stock, rather than selling the bonds in the market.

Common Instruments of a Money Market Fund

Treasury Bills

Treasury bills are highly liquid, short-term securities issued by the government to borrow funds from investors. Treasury bills are typically sold through auctioning on a weekly basis; however treasury bills with a one year maturity term are issued monthly. The lowest amount of a treasury bill (par value) is $1000 and thereafter in multiples of $1000 and is sold at a discount rate of the par value whereas at the maturity of the treasury bill, the investor receives the par value and therefore has a profit between the par value and the discount price he/she purchased the treasury bill at. A benefit of treasury bills is that they are free of credit default risk, because they are backed by the government.

Commercial paper

Issued primarily by finance and bank holding companies with a maturity date between one day and 270 days, commercial paper is a short-term debt instrument with a goal to either provide liquidity or finance a company's investment. The minimum amount investment in a commercial paper equals $100,000.

Negotiable certificates of deposit

NCDs are short-term certificates with maturity terms ranging from two weeks to a year with a minimum investment amount of $100,000. Nonfinancial corporations are the most common investors, while individuals rarely invest indirectly invest in NCDs through money market funds. NCDs offer some liquidity.

Repurchase agreements

Repurchase agreements usually amount for $10,000,000 or more with maturity terms between one day and six months and are agreements where one party sells securities to another party with a certain date and price to repurchase the securities specified in the terms of the agreement. Common participants in repurchase agreements are financial and nonfinancial institutions.

Federal Funds

The most common participants in the federal funds market, which allows depository institutions to lend funds from each other at the federal funds rate, are commercial banks. The transactions are usually completed by funds brokers that receive a commission for their service. Common maturity terms of these transactions are between one and seven days with amounts starting at $ 5 million.

Banker's acceptances

Banker's acceptances are slightly credit risky short-term (usually between 30 and 270 days) agreements between (most commonly) exporters and a bank with the bank accepting responsibility for future payment. For this risky agreement (from the bank's perspective) the bank is reimbursed the funds by the importer in addition to a fee.

Municipal Bonds

A municipal bond is a bond issued by the federal government to finance the difference between spending by the government and the revenues they receive. Municipal bonds have a credit risk of default; the level of risk can be measured by the bond rating issued by Standard and Poor's. The minimum amount for a municipal bond equals $5000. The majority of municipal bonds are callable; generally interest is paid out semiannually to investors and the interest gained from municipal bonds is tax-exempt. Secondary markets for municipal bonds can be either active or inactive. Finally, municipal bonds generally offer a lower yield than Treasury bonds.

Over-The-Counter Transactions

Over-The-Counter transactions are completed through a telecommunications network, which means that a stock is traded through a telecommunications network in a market without a trading floor. Over-the-Counter trades do not require the purchase of a seat for the trade, because they are not listed as organized exchanges.




Nicole Elmore
Entrepreneur. Artist. Writer. Business Woman. Friend. Designer. President and CEO of Elmore Marketing.

My Blog: http://myblog.nicoleelmore.com
My Website: http://www.nicoleelmore.com

Providing readers with tips, tricks, deals, and reviews in areas of Lifestyle, Shopping, Deals, Health & Beauty, Business, Travel and More





This post was made using the Auto Blogging Software from WebMagnates.org This line will not appear when posts are made after activating the software to full version.

2012年3月1日 星期四

Tax Saving Funds and Certifications for NRIs


If you are an NRI wanting to earn income in India, you must open an NRE, FCNR or NRO accounts. These accounts will help you even in case of applying for NRI loans. You can enjoy tax exemptions on FCNR account as it is held on a repatriable basis with zero tax liability and high returns on interest rate. Enjoy tax exemptions, enroll for a pension plan, tax saving fund, insurance policies, Fixed Certificates, loans etc.

All income earned in India is repatriable now. Be it rental income, interest earned on savings account or fixed deposit, profits on shares, debentures and mutual funds are transferred abroad. Boost your financial health by investing in debentures, mutual funds and PSEs. RBI has made possible investment in India while you stay abroad. You can continue to earn your income and make profits in India being an NRI. You are allowed to invest in Indian mutual funds, shares, debentures and other certificates, except for a few certification which is not open to a non resident Indian.

Good news is that, you can save your income from being deducted in the form of tax. In order to enjoy tax free income, invest in insurance policies, pension plan, certificate of deposits and tax saving fund. Protect your family while you enjoy tax benefits simultaneously. If you are planning to invest in shares then you must have an online trading account too. Besides this, Non resident external account and Foreign currency non resident account should also be held to carry out financial transactions in five different currencies. You can freely have your financial transactions in US dollar, Deutsche Mark, Pound Sterling, Euro and Japanese Yen.

Except for Kisan Vikas Patra and other national savings certification, you can invest in all major certificate deposit schemes, company deposits, bank deposits and tax saver funds. Enjoy zero tax liability on your FCNR account and NRE account.




Vijay K Shetty

NRI Loan Interest.

NRI Insurance Policies.





This post was made using the Auto Blogging Software from WebMagnates.org This line will not appear when posts are made after activating the software to full version.

2011年12月27日 星期二

What Are Term Deposits, Government Bonds, Treasury Bills & Money Market Funds?


Financial instruments found in the debt market include:

1. Term Deposits

2. Government bonds

3. Treasury Bills (T-Bills)

4. Money Market Funds

5. Corporate Bonds and Debentures

6. Domestic Bond Funds.

In this article, we will only discuss the term deposits, government bonds, treasury bills and money market fund.

1. Term Deposits

Term Deposits are qualifying instruments for tax shelter and will share the following characteristics.

a) Short-Term Deposit: less than 1 year

b) Long-Term Deposit: to 5 years. Interest Rate: depends on length of deposit and competitive interest rates available in the marketplace.

Long-term investments are called Guaranteed Investment Certificates (GICs) and can be purchased for a lesser amount such as $500. They are also called a Certificate of Deposit (CD). Rates may vary as little as 0.10% amongst the deposit takers.

Term Deposits may be cashed prior to maturity, but this may incur a penalty. GICs generally cannot be cashed before they mature, although some deposit takers are now more flexible.

2. Government saving bonds

Country residency is required and guaranteed by the country of issuer.

a) Are registered bonds that provide protection against loss, theft or destruction.

b) Are not transferable.

c) Can be purchased for a minimum of $100 to a maximum of $500,000.

d)The interest is taxable and is competitive with GICs.

e) Mature in 10 to 12 years.

In Canada, Canadian saving bonds are issued as either R bonds or C bonds.

In US, US saving bonds are issued as series EE bonds, Series I Bonds.

The investment risk for government savings bonds Issued by Canadian government or US government is nil, since the bond is guaranteed by the federal government.

3) Treasury bills (T bill)

Treasury bills are a short term money market instrument and issued by the federal government in terms of 30, 60, 91, 182 and 364 days. They are sold by auction.

Banks and investment houses buy at wholesale in multiples of $5 million denominations. They then sell these T-Bills to brokers and investment dealers who break down their purchases into $1,000 lots.

T bills are sold discount to their face values and also sold on the secondary market and their value fluctuates depending on competitive interest rates at the times of resell.

The short-term nature of T-Bills does not cause a large exposure to interest rate risk, but to some extent there is an inflation risk.If a T-Bill is sold before maturity, any gain is taxed as interest.

4. Money market funds

Money market fund holds T bills and other short term money market contracts. Investors pool the investments through the mutual fund. Units in this fund can be bought and sold daily. Money market funds produce capital gains although their primary function is to generate interest income. Interest is generally paid monthly, while capital gains are paid annually.

The benefits of money market funds include

a) security of principal

b) liquidity.

c) eligible for plan registration

I hope this information will help. If you need more information, you can read the complete series of the above subject at my home page:




Kyle J. Norton

http://lifeanddisabitityinsuranceunderwriter.blogspot.com/

http://financialinvesting12.blogspot.com/

All rights reserved. Any reproducing of this article must have all the links intact.

I have been studying natural remedies for disease prevention for over 20 years and working as a financial consultant since 1990





This post was made using the Auto Blogging Software from WebMagnates.org This line will not appear when posts are made after activating the software to full version.