trading http://www.wisebread.com/taxonomy/term/9255/all en-US How the Pilgrims Did Personal Finance http://www.wisebread.com/how-the-pilgrims-did-personal-finance <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-the-pilgrims-did-personal-finance" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/pilgrims_harvest_pumpkins_80628247.jpg" alt="How the pilgrims did personal finance" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's the time of year when we celebrate the Pilgrims crossing over to the New World and settling the land we now call America. The stories of the Pilgrims' courage in traveling on the Mayflower and surviving those early years are legendary. But they did not survive and eventually thrive without some financial savvy.</p> <p>Are there money lessons to be learned from the Pilgrims, even though they had little money to begin with? Yes. Here's a look at what we know about the Pilgrims and their financial habits.</p> <h2>1. They Were Deeply in Debt for Many Years</h2> <p>The Pilgrims' journey to the New World was financed by people who might have sympathized with their desire for religious freedom, but these businessmen believed the colony would actually generate a big financial return. In reality, the Pilgrims asked their investors repeatedly for more money just to survive. An initial debt of as little as 1,200 British pounds grew to as much as 7,000 pounds, and the Pilgrims weren't out of debt for almost 30 years, according to the Pilgrim Hall Museum. That would be hundreds of thousands of pounds today.</p> <h2>2. They Had Little Currency, So They Used Beads</h2> <p>When the Pilgrims arrived in Massachusetts, they didn't have much in the way of real money &mdash; and it's not like they had any ATMs to go to. So, they instead relied on something called <em>wampum</em>, or strings of beads made of shells. According to <em>The Mayflower and the Pilgrims New World, </em>wampum was a remarkable innovative currency, with purple beads worth twice as much as white beads, and rules governing the quality, shape, and size. It quickly became the defacto currency for trading with the Native Americans.</p> <h2>3. They Were Thrifty</h2> <p>No question, the Pilgrims were forced to make do with the bare necessities. They grew and hunted their own food. They made wood slab homes from wood they chopped themselves. In fact, they were probably even more thrifty than popular images suggest. Those buckles you often see depicted on Pilgrims' shoes and hats? Those were unlikely to have been there, as Pilgrims more likely used simple leather and laces. The myth of the buckles arose from artists during the Victorian era.</p> <h2>4. They Were Communists &mdash; Then They Were Capitalists</h2> <p>When the Pilgrims first arrived, they experimented with something called &quot;Common Course,&quot; in which all of the settlers owned property together. But it didn't last: &quot;Because they could not reap the fruits of their labors, no one had any incentive to work, and <a href="http://www.nytimes.com/2010/11/21/weekinreview/21zernike.html">the system failed</a> &mdash; confusion, thievery and famine ensued.&quot;</p> <p>By 1623, the Pilgrims divided the land equally, and an early form of capitalism began.</p> <p>Conservative organizations and politicians have hailed the Pilgrims as an example of America rejecting communism for capitalism, even back then. Things are probably a little more complicated than that, but there's ample evidence that the colony began to thrive over time when each settler had land of his or her own.</p> <h2>5. They &quot;Pivoted&quot;</h2> <p>These days, you often hear about young startup companies shifting their focus or even their entire business concept due to market conditions. This is called a &quot;pivot.&quot; And the Pilgrims were pretty good at pivoting. Early on, they tried to make money off the fur trade. But by 1650, the beavers they relied on became scarce, and they faced competition that made it hard to expand their operation. So, they switched to fish and lumber, and those became main revenue sources.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/how-the-pilgrims-did-personal-finance">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/so-you-caught-a-world-series-home-run-whats-it-worth">So You Caught a World Series Home Run — What&#039;s It Worth?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-things-a-thanksgiving-turkey-teaches-us-about-money-0">7 Things a Thanksgiving Turkey Teaches Us About Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/throwback-thursday-58-best-thanksgiving-hacks-ever">Throwback Thursday: 58 Best Thanksgiving Hacks Ever</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-friendsgiving-hacks-thatll-make-everyone-feel-at-home">8 Friendsgiving Hacks That&#039;ll Make Everyone Feel at Home</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/frugal-living-lessons-from-the-first-thanksgiving">Frugal Living Lessons From The First Thanksgiving</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living capitalism currency history markets mayflower Pilgrims pivot Thanksgiving trading wampum Fri, 04 Nov 2016 09:00:09 +0000 Tim Lemke 1826532 at http://www.wisebread.com 8 Signs an ETF Isn't Right for You http://www.wisebread.com/8-signs-an-etf-isnt-right-for-you <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-signs-an-etf-isnt-right-for-you" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/little_boy_money_71664445.jpg" alt="Finding signs that an ETF isn&#039;t right for you" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>In recent years, exchange traded funds, or ETFs, have become a common part of many retirement portfolios. They work much like mutual funds, but can be traded throughout the day and often have lower costs. But how do you know if an ETF makes sense for you? After all, there are <em>literally thousands </em>of ETFs available, all with unique characteristics and goals.</p> <p>Most financial advisers suggest that investors keep things simple by finding ETFs that track major benchmark indexes, such as the S&amp;P 500. They should generally have low fees and fit in with other investments in your portfolio, too.</p> <p>Here are some key ways to determine if an ETF isn't right for you.</p> <h2>1. It Has High Fees</h2> <p>Anytime you purchase a mutual fund or ETF, it's important to note how much of your money is going to fund managers and other expenses. High fees can take a big cut out of your overall earnings, and there's little evidence that ETFs with higher fees perform better than cheaper ones. It's possible to own very solid ETFs with expense ratios at 0.1% or lower. If your ETF's expense ratio is significantly higher, it may be time to invest in something else.</p> <p>&quot;Anything above 0.3%, and it gets a little excessive,&quot; says Justin Halverson of Great Waters Financial in Minneapolis.</p> <h2>2. You Don't Understand It</h2> <p>As ETFs have grown in popularity, they've also grown in number &mdash; and complexity. That means there are many &quot;boutique&quot; ETFs with very unique philosophies and goals. There are ETFs that zero in on very specific industries or market sectors. There are ETFs that do elaborate things involving leverage, or track obscure indexes. For most investors, these ETFs are complicated and unnecessary.</p> <p>&quot;You can get as fancy as you want with it,&quot; said Charlie Harriman, a financial adviser at Cloud Investments LLC in Huntsville, Alabama. &quot;We usually advise that investors stick with the staples and things they know.&quot;</p> <h2>3. It's Too Risky</h2> <p>Some of the unique ETFs mentioned above are designed to generate big returns in some cases, but there's a huge downside if markets go south. Some ETFs use leverage to potentially amplify returns by two or three times an underlying index &mdash; thus, they can amplify losses during downturns. The average investor who is saving for the long term does not need to take on additional risk with ETFs that are designed for short-term trading.</p> <h2>4. It's Too Conservative</h2> <p>It's important that your investments match up with your financial goals. This means that if you're a young investor, you probably don't need a bonds ETF, or an ETF with low-growth dividend stocks. These types of ETFs may help you avoid a big loss during a market downturn, but you'll never be able to amass the kind of wealth you need in retirement unless you get a bit more aggressive.</p> <h2>5. Its Holdings Overlap With Other Things You Own</h2> <p>Diversification is great, but sometimes you can go overboard. When you invest in an ETF, you are getting exposure to a wide range of stocks, and there may be other ETFs with similar holdings. For instance, an ETF that tracks the overall stock market may own a good chunk of Apple stock, and a tech-focused ETF may own a lot of Apple stock as well. So it may not necessarily make sense to own both. Be sure to check the list of holdings for each ETF you own in order to avoid redundancy in your portfolio.</p> <h2>6. You Can't Trade It for Free</h2> <p>Many discount brokerage firms allow account holders to trade certain ETFs without paying a commission. For example, Fidelity allows fee-free trades for all ETFs offered by iShares. By eliminating this commission, you could save upward of $7 on every stock purchase, which is a lot of money if you make frequent purchases. This is particularly advantageous for younger investors who prefer to invest a little at a time rather than one large sum.</p> <p>If you're looking at an ETF to buy but it's not available without paying a commission, consider switching to a similar ETF that is. If your broker does not offer commission-free trades on ETFs, maybe that's a good excuse to switch brokers.</p> <h2>7. It Doesn't Track an Index Very Well</h2> <p>Many ETFs are designed to track a specific benchmark index, such as the S&amp;P 500 or Russell 2000. If they do what they are supposed to, your returns will be closely aligned with the performance of these indexes. But some ETFs do it better than others. It's easy to find an ETF's &quot;tracking error,&quot; which measures the difference between an ETF's performance and the benchmark it's supposed to be tracking. Most ETFs will have a tracking error of less than a tenth of a percent.</p> <p>&quot;If you see a high tracking error, this could work out to an investor's benefit, but it may also be to their detriment,&quot; Halverson says.</p> <h2>8. It's Not Traded Very Heavily</h2> <p>The only way an ETF is sold is if there is a buyer. Likewise, you can't buy a stock if no one is selling. With most ETFs, it's easy to buy and sell because there is a large trading volume &mdash; meaning that there are plenty of buyers and plenty of sellers. And when there is a high volume, there is rarely a big spread between the &quot;bid&quot; and the &quot;ask&quot; prices. But what happens if an ETF has a low trading volume?</p> <p>Halverson said this could mean that the ask and bid prices are far apart, and it may be hard to complete a sale at the price you want. Most investors, he said, will find it easier and better financially to trade ETFs that are more commonly traded.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/8-signs-an-etf-isnt-right-for-you">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-reasons-you-shouldnt-invest-like-warren-buffett">7 Reasons You Shouldn&#039;t Invest Like Warren Buffett</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-invest-when-youre-in-debt">6 Ways to Invest When You&#039;re In Debt</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-etfs-can-put-more-money-in-your-pocket-than-mutual-funds">8 Ways ETFs Can Put More Money in Your Pocket Than Mutual Funds</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/best-online-sites-for-building-wealth">Best Online Sites for Building Wealth</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-money-moves-to-make-as-soon-as-you-conquer-debt">7 Money Moves to Make as Soon as You Conquer Debt</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Investment ETFs exchange traded funds fees funds retirement risk trading Thu, 03 Nov 2016 09:30:25 +0000 Tim Lemke 1825852 at http://www.wisebread.com Best Online Sites for Building Wealth http://www.wisebread.com/best-online-sites-for-building-wealth <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-online-sites-for-building-wealth" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/smartphone_wealth_building_55483540.jpg" alt="Man finding the best sites for wealth building" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Managing your money has never been easier with the influx of countless online sites to help you build wealth. In the past, your options were limited to either hiring a financial planner, or going at it on your own and hoping you were on track to reach your goals.</p> <p>But now there are online companies for building wealth that offer many of the services that you would receive if you hired a financial planner for a fraction of the price. After all, everyone should have the <a href="http://www.wisebread.com/the-surprising-true-source-of-wealth-creation-that-you-probably-already-have" target="_blank">opportunity to build wealth</a>, not just those who already have a lot of zeros in their bank account.</p> <h2>Betterment</h2> <p>Based off your age and your income, <a href="http://track.flexlinks.com/a.ashx?foid=1029882.2101559&amp;fot=9999&amp;foc=1">Betterment</a> helps you dial in your financial goals and create a solid plan around those goals. The three primary goals that Betterment helps you reach are Safety (with adequate emergency fund savings), Retirement (making sure you are on target to achieve your retirement goals), and Investing (growing and preserving your capital over time). Through the use of technology and automation, Betterment can offer very low fees to manage your money, starting at .35% annually. Most traditional investment advisers would charge fees upwards of 1% a year. Saving money in fees means that you get to put more money in your pocket, and achieve all of your awesome goals much sooner.</p> <h2>Personal Capital</h2> <p>When was the last time you took a look at your net worth? If you're like most people, you've probably never taken the time to figure out your net worth and analyze your current and future financial road map. <a href="http://track.linkoffers.net/a.aspx?foid=26123426&amp;fot=9999&amp;foc=1">Personal Capital</a> offers an all-in-one wealth dashboard with robust financial tools to keep you informed and on track. On top of their net worth planner, Personal Capital also provides tools to analyze your investment portfolio with their Investment Checkup as well as a retirement planner and wealth management (for a fee). Signing up is free, and you can access all your information on their mobile app or desktop version. One of their most popular tools is the Cash Flow Analyzer, which gives details about your weekly, monthly, and annual spending habits so you can dive deep into what you are spending on things like eating out, entertainment, and travel.</p> <h2>GoldBean</h2> <p><a href="http://www.hellogoldbean.com">GoldBean</a> believes that investing should be easy, fun, and approachable. Geared toward the beginner investor, GoldBean uses their technology to analyze your bank statements to find investment options based around the companies that you love. They believe that you should always invest in what you know &mdash; the companies that you already love and trust. Once they've analyzed your current spending, they create a customized portfolio, provide ongoing financial advice, and offer the ability to buy funds as your experience and confidence in investing grows. Annual membership starts at $50 a year, and trading fees are low at $4.95 per trade after two month's free trading.</p> <h2>Sprinklebit</h2> <p>Stock investing can be scary for anyone, but especially a beginner. There are so many choices, and it's hard to figure out what is best for your situation. <a href="https://www.sprinklebit.com">Sprinklebit</a> believes in demystifying stock investing by using the same principles of Facebook &mdash; social sharing &mdash; and the notion that you should never trade alone. When you sign up for Sprinklebit, you have access to all the other Sprinklebit customers and their portfolios to help you make better investing decisions. You can see which stocks are performing well and which ones are the losers before you put a dime of your money into the stock. Sprinklebit doesn't just stop there. They believe in education and have created 24 chapters of in-depth material to take you through all the different steps of investing for free.</p> <p>You can also set up a mock portfolio with their Market Simulator and use $5,000 free &quot;Sprinklebucks&quot; to give a portfolio a test drive before you pony up any of your real money. With the market simulator, you have access to real-time trading data just like you would in a real portfolio. Once you get your confidence, you can move over into a live portfolio and begin trading. Each trade costs $8, and if you're more advanced, you can move up to their premium option which gives you some advanced trading tools.</p> <h2>Blooom</h2> <p>If you're one of those set-it-and-forget-it types who chose your 401K funds years ago and has never taken a second look, <a href="http://www.blooom.com">Blooom</a> is going to become your best friend. Blooom was created as an easy and affordable way to fix and manage your 401K to meet your needs. Their promise is &quot;No more pie charts, line graphs, or nausea,&quot; but simple, easy to understand knowledge, and tips about how to maximize your 401K funds. You can use their free analysis tool to find out if your 401K is positioned properly (many aren't), and then sign up and pay $1 per month for accounts under $20,000 and $15 per month for accounts over $20,000. There are no other hidden fees, and you can cancel your membership at any time. Professional advisory would cost you a lot more if you turned to an individual broker for assistance. With Blooom, you don't need to be a finance whiz create a 401K portfolio that puts you ahead of the retirement game.</p> <p><em>What's your favorite online company for building wealth?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/shannah-game">Shannah Game</a> of <a href="http://www.wisebread.com/best-online-sites-for-building-wealth">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-investment-accounts-all-30-somethings-should-have">7 Investment Accounts All 30-Somethings Should Have</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-signs-an-etf-isnt-right-for-you">8 Signs an ETF Isn&#039;t Right for You</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-financial-moves-you-will-always-regret">9 Financial Moves You Will Always Regret</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-reasons-you-shouldnt-invest-like-warren-buffett">7 Reasons You Shouldn&#039;t Invest Like Warren Buffett</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-money-moves-to-make-as-soon-as-you-conquer-debt">7 Money Moves to Make as Soon as You Conquer Debt</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Investment 401k betterment blooom online companies personal capital retirement stocks trading wealth building Tue, 21 Jun 2016 09:31:25 +0000 Shannah Game 1728677 at http://www.wisebread.com Buying (and Trading) on Etsy http://www.wisebread.com/buying-and-trading-on-etsy <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/buying-and-trading-on-etsy" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/logo_0.gif" alt="" title="" class="imagecache imagecache-250w" width="154" height="80" /></a> </div> </div> </div> <p>Positively one of my favorite places to shop online when I need a present is <a href="http://www.etsy.com" title="www.etsy.com">www.etsy.com</a>. And I have to say, most of the time when I go to buy a present from this site, I have no idea beforehand what I&#39;m actually going to buy. I just browse endlessly by random criteria. My favorite is by color. I want to see something blue and voila! Everything from buttons to yarn to pillows and barrettes in blue.</p> <p>Etsy only lets vendors who are selling handmade items post their wares on Etsy. They are pretty strict about this. If a vendor even tries to post something not created , other shoppers and artisans will flag it immediately. When they say handmade they mean it---but there&#39;s such a broad interpretation of that. The t-shirts a friend of mine silk screens are on there, my old zines are on there, and restrung jewelry made with vintage beads are there too. </p> <p>If you want to set up shop, etsy boasts some of the lowest cost fees around and the percentage cut is tiny. It doesn&#39;t have the traffic of eBay yet, but it doesn&#39;t have the high cost either and stuff can sit in your store for three months straight from one posting. A girlfriend of mine who dyes her own yarn has sold about $500 worth so far with not that much effort put into it. You can go in with a few artists in your area and have one store between you. </p> <p>On the flip side, since artisans and artists make up this site and ususally can&#39;t help themselves when they see something fun, clever or beautiful, you can bet that other artists and artisans are looking around their fellow etsy sites. You can totally work out trades of merchandise and can post on your site that you are up for such things (there I go again with the trading). I traded a few books for some earrings.</p> <p>&nbsp;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/maggie-wells">Maggie Wells</a> of <a href="http://www.wisebread.com/buying-and-trading-on-etsy">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/make-your-own-deal-tracker">Make Your Own Deal Tracker</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/shopping-at-the-ing-direct-store-its-not-a-joke">An ING Direct Online Retail Store? It&#039;s not a joke.</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-cloth-napkins">The 5 Best Cloth Napkins</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-diapers">The 5 Best Diapers</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-usb-powered-fans">The 5 Best USB-Powered Fans</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping art artisans Handmade crafts shopping shopping online trading Mon, 26 May 2008 04:35:48 +0000 Maggie Wells 2126 at http://www.wisebread.com