Archives 2021

How to Protect Your Finances for Divorce

[et_pb_section fb_built=”1″ _builder_version=”4.9.3″ _module_preset=”default” custom_padding=”0px||0px|||”][et_pb_row _builder_version=”4.9.3″ _module_preset=”default” width=”100%” custom_padding=”0px||0px|||”][et_pb_column type=”4_4″ _builder_version=”4.9.3″ _module_preset=”default”][et_pb_text _builder_version=”4.9.3″ _module_preset=”default” text_line_height=”1.6em” hover_enabled=”0″ sticky_enabled=”0″]If you think that you will be ending your marriage in the near future and you are uncertain what the future will hold for you, you may want to start taking the right precautions now. You have to make sure that you are protecting your financial security for later. Reduce unnecessary expenses as soon as you can. Meet with your spouse and agree to cancel utilities and other bills. You will probably need to have money later on and this is a way to save money. Sell off your personal property that you do not need or want anymore. You can do this now to avoid losing it later on. Cancel all of your jointly owned credit cards. You both should agree to cancel the cards and get separate ones. You need to cancel the cards because the spouse can charge up all kinds of different charge on the cards and you will get stuck paying them back. Canceling the cards now can save you money that you will need to have later on. You may want to separate the jointly owned bank accounts. If you have bank accounts together, you may want to divide the money first. If not, your spouse may decide to go and take care of the money on their own and leave you with nothing. If you have outstanding bills for the home, explain this to the spouse so that the arrangements can be made to pay for them. If you do open up a different bank account, do it at another bank. Do not stay with the same company. Stop contributing to combined accounts like 401K and pension plans. Telling your place of employment usually does this. Make the necessary arrangements so that your money is not being added to this account. You have to do this until you find out what will happen to those accounts and who will benefit from them. Keep your job or try and find one. You have to make sure that you are protecting yourself and able to raise your family. If you are not getting any income from your spouse, you will have to do something to support your monthly needs. You may want to ask your ‘soon to be ex’ if they can help you financially until the divorce proceedings are over. This is only recommended if you are ending the divorce in a good way. If you are fighting over everything and not getting along, you need to contact your attorney and have them ask for you.[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]

When Child Custody Battle Go Too Far

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A story from one of our previous client.

A divorce is stressful enough, but when child custody is involved it can get ugly really quick. Unfortunately, there are times when the underlying reason for child custody isnt about the children at all. Its just one more way to get back at their Ex for all the “horrible things” that they have done. This is the worst situation because the only one who ends up getting hurt is the children. Thats why I felt compelled to write this article. My wife and I have been have been in a “heated” battle for her daughter for over a year now. Her ex-husband is a manipulative “know it all” who is purposely limiting my wifes contact with her daughter. My wife lost custody several years ago when she had to leave the state they were living in because of the constant harassment and threats being made by her Ex. At the time, the judge could not make a decision on custody and my wife was not allowed to take her daughter out of the state. It was not long after that her Exs high price attorney was able to get the judge to grant him full custody simply because my wife now lived out-of-state. Needless to say, my wife was devastated. She didnt think it could happen just like that with no consideration given to her situation. So in an instant, she went from having 50:50 custody to seeing her daughter only 6 weeks out of the year.

A couple of years later, I came into the picture and was able to convince my wife that she needs to stop being afraid of her Ex and it was time to fight for her right to be a mother to her daughter. That was easier said than done. By that time, her Ex had used his influence over his daughter to get her to blame my wife for everything that had happened. Soon the phone calls got shorter and shorter, and her daughter started saying awful things to my wife things that just tore her up inside. This 5-year girl was “yelling” at her mother for breaking up the family, for causing all her daddys “money problems”, and for leaving her behind to be with her new husband. None of which it true, but try explaining that to a 5-year old girl over the telephone with her Daddy sitting beside her and listening to the entire conversation. My wife was an utter mess, and even started blaming herself for what was going on.

We finally decided enough was enough, but we had no idea what to do next. I research everything. Im all over the internet look for tip and strategies, anything that can give us an idea on how to deal with a child custody issue. And wouldnt you know it; all I get are law firms that tell you that all you have to do is get the right lawyer. So that is what we did. We gathered all the money that we could, our entire savings and then some, and then hired a lawyer. A lawyer who called our situation an “atrocity”, and that he would do everything in his power to put a stop to it. And so it began, the child custody battle was in full swing. But after the first motion was sent out by our lawyer, we heard nothing. Days, weeks went by and no response, and when we tried to get in touch with our lawyer we had to set up an appointment where we would get charged $250 an hour to talk to him over the phone. A year goes by and nothing happens, except for the judge telling my wifes Ex to stop turning her daughter against her. And did I mention, we had a nice $16,000 lawyer bill.

This child custody battle was causing us all kinds of pain (emotionally, mentally, and monetarily), but we vowed not to quit. In the mean time, her daughter was angry at us once again because we were trying to “put her Daddy in jail” and “He would die of a broken heart if she was ever to go and live with mommy”. It was gut-wrenching to the both of us. And then something happened that gave us some hope. Did the lawyer call with some good new? No! Did the judge finally make a decision in our favor? No! I came upon a website talking about two experts (Doctors of Psychology) in dealing with child custody issues. With over 35 years of experience between them, and numerous expert testimonies, they looked they had something that they could teach us. And wouldnt you believe their guide on strategies in dealing with child custody only cost $89. I was skeptical at first, wondering what they could know that our lawyer doesnt. But what is $89 compared to $16,000, so I took a look. Right from the beginning, I noticed things that our lawyer never even mentioned to us. I even brought up some points from the book to our lawyer (at $250 an hour), and he acted like he had never heard of that before. These werent over the top legal tactics. These were simple things that none of us had ever though of. Were still in the midst of the custody battle, but things our leaning our way for the first time ever. All I can say is that the guide has helped me understand a lot more about child custody strategies, and I had only wished that I had found before all of this started. If you our in similar situation yourself, or about to fight for custody, I urge you to get this guide. Its a small price to pay in the long run, and it even shows you ways to make your lawyer work harder for you.

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How to Protect Yourself From Divorce

[et_pb_section fb_built=”1″ _builder_version=”4.9.3″ _module_preset=”default” custom_padding=”0px||0px|||”][et_pb_row _builder_version=”4.9.3″ _module_preset=”default” width=”100%” custom_padding=”0px||0px|||”][et_pb_column type=”4_4″ _builder_version=”4.9.3″ _module_preset=”default”][et_pb_text _builder_version=”4.9.3″ _module_preset=”default” text_line_height=”1.6em” hover_enabled=”0″ sticky_enabled=”0″]When you learn that you are going to be getting divorced, it may be have been coming for a long time or it may come as a complete surprise. Either way, there are certain things that you can do for yourself, your children, and your finances. This does not mean that you have to take all of your bank accounts and all that you have and wipe them out. You have to take the responsible interests throughout the marriage so that you can protect yourself and all that you before and after if the marriage ever dissolves. There are ways that you can act reasonably while you are protecting your interests. These are only precautions that you will need to take care of if the divorce is not being ended amicably. Depending on how well you and your spouse can get along at the time of the divorce, you may choose not to act on some of the suggestions that are given. You may decide that you and your spouse can work arrangements for everything without arguing. Whenever possible, try and make everything go as well and as easy as you can. You should always get an attorney when you are heading towards divorce. They will make sure that you are taking the necessary precautions so that you can protect what you have and all the assets you have accumulated during the marriage. Try and protect all of your own personal property that you have accumulated over the years. You need to move papers and documents so that you are the only one that knows where they are. If you must present them at a court hearing then you must do so. However, you need to make sure that you can keep all of your valuables safe so that you have a better chance at keeping them throughout the divorce. Once of the best things that you can do before you decide to get married, is make sure that you know the person. Get to know them for a long period before you decide to take the big step into marriage. You have to be able trust so that you can feel good about marrying them. Have a long engagement so that you can see if the person changes any. If so, you may want to get out of the relationship before you decide to marry. This could be the best thing for both of you.[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]

Five Things You Should Know in a Divorce

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Though it is good to have a happy marriage, when you face a hard situation, you should have the courage to overcome it. Usually circumstances for divorce occur bit by bit and not suddenly. If you happen to unfortunately enter into the divorce market, you may have to consider the following things on divorce to overcome the process smoothly. Relying solely on friends and family alone for advice would not help you much.

1. In US, law on divorce differs from one state to another. For example divorce in California is different from divorce in Wisconsin. Though they differ mainly on division of assets, divorce can be filed only in the state where you live. You can not go to another State which offers more on division of assets.

2. Nowadays, an uncontested divorce, also called as no-fault divorce has become more popular and common amongst spouses opting for divorce. Under this divorce, they have to mutually agree and understand that divorce is the only option for both spouses, after arriving at a basic agreement on splitting up of jointly owned assets. The process becomes easiest when there is no involvement of children out of the wedlock. For no fault divorce, lawyers are only required either on a minimal basis or they are not required at all.

3. Some states insist on a test divorce, under which separation is required during a trial period before grant of divorce. During the period of separation, the couple opting for divorce should live apart without any interaction in between. Under the circumstances of separation, couple will get to know each other and will try to live without the partner. Many times, people suddenly discover that they do not any more require divorce during the period of separation, and get willing and prepared to make adjustments on past differences.

4. In an at-fault divorce, any one of the couple breaches marital contract and has committed abandonment, infidelity or cruelty to the other partner. There are different kinds of cruelty such as verbal or emotional cruelty or physical cruelty. Some of the States do not require an initial trial separation for at-fault divorce. When both spouses become guilty of committing breach of marital contract, the principle of comparison rectitude is employed. This method compares the guilty parties and determines which party is guiltier. It is very difficult to prove the degree of guiltiness through mere word of mouth which can drastically change the direction of case and decide upon division of assets and property.

5. If you are facing the divorce right now, you should know the specific divorce law relating to your State in which the case is filed, even if you are under a stressful situation. A proper homework will enable you to face the situation with great courage and you will come to know and understand what to expect out of the case.

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ЛамдаТрейд: отзывы клиентов о брокере 2025

При этом фирма предпочла не публиковать контакты, которые позволили бы связаться с техподдержкой брокера. Несмотря на все это, организация сообщает, что она предоставляет брокерские услуги своим клиентам с 2008 года. Был опыт торговли на другой площадке, но тот брокер как-то не спешил развиваться и просто устарел.

Брокер ЛамдаТрейд предлагает различные платформы для торговли, чтобы удовлетворить потребности разных трейдеров. ЛамдаТрейд не берет комиссию за ввод и вывод денег с реальных счетов пользователей. ЛамдаТрейд предлагает уникальную возможность для трейдеров присоединиться к революции социальной торговли.

ЛамдаТрейд предоставляет различные методы пополнения счета без каких-либо комиссий. Если вы ищете брокера, сочетающего в себе инновации, надежность и ориентированные на трейдеров функции, ЛамдаТрейд — исключительный выбор. Уделяя особое внимание прозрачности и удобству использования, ЛамдаТрейд ориентируется на трейдеров любого уровня.

  • ЛамдаТрейд предоставляет различные методы пополнения счета без каких-либо комиссий.
  • Трейдеры могут использовать эти платформы для ручной торговли, алгоритмической торговли и даже копирования с помощью различных плагинов и функций.
  • Верифицировали аккаунт в течении одного дня, даже быстрее обещанного срока.

Это не первый брокер, с которым я работаю, но первый, от которого не хочется тут же уйти. ЛамдаТрейд выделяется своей процедурой открытия счета, которая является эффективной и удобной для пользователя. Процесс открытия счета обычно занимает от 1 до 2 дней и проходит ламдатрейд регистрация быстро и без лишних хлопот. Отличительной особенностью ЛамдаТрейд является беспроблемный процесс верификации, в котором первостепенное внимание уделяется соблюдению требований и безопасности, а также ускорению активации счета. Эти отличительные особенности способствуют общему положительному опыту открытия счета в ЛамдаТрейд, делая его привлекательным выбором для трейдеров. ЛамдаТрейд предоставляет различные варианты вывода средств без каких-либо комиссий.

  • Счет Standard Cent предназначен для новичков, позволяя им торговать меньшими объемами центовых лотов для тестирования стратегий.
  • В этом обзоре мы рассмотрим ключевые аспекты работы ЛамдаТрейд, прольем свет на ее уникальные преимущества и причины, по которым она является предпочтительным вариантом среди трейдеров.
  • Однако стоит отметить, что в доступных продуктах отсутствуют мягкие товары, а общее количество CFD находится на среднем уровне по сравнению с некоторыми другими брокерами.
  • Это делает ЛамдаТрейд одним из наиболее надежных Форекс брокеров на современном рынке.
  • Сейчас, за два года, я уже поднабрался опыта и мне все равно вполне хватает этой площадки.
  • VPS, или Виртуальный Частный Сервер, расположен рядом с торговыми серверами ЛамдаТрейд, что гарантирует высокую скорость и стабильность исполнения.

ЛамдаТрейд не выводит деньги?

Трудно понять, откуда у них «растут ноги», все звонят по WhatsApp с номеров из разных стран. В CySECе от них открещиваются, называя мошенниками, хотя сами дали им лицензии. Андрей – признанный специалист по обзорам брокеров с более чем 10-летним опытом в финансах и трейдинге. Под его руководством команда создает глубокие и объективные аналитические отчеты о ведущих платформах. Имея профильное образование в области финансов и кредита, он освещает финансовые темы с глубоким пониманием.

Какой минимальный депозит у ЛамдаТрейд?

Присоединяюсь ко многим отзывам, которые мягко говоря не довольны сотрудничеством с ЛамдаТрейд. Вроде и положительные моменты есть, но отрицательные перекрывают весь позитив. Техподдержка не всегда реагирует так оперативно как хотелось бы, а зачастую от этого много зависит. Терминал последнее время подвисает и надолго, средства не выводились.

Как это работает?

Нужно, правда, пройти верификацию — ну тут понятно, требования безопасности. Тем более, у ЛамдаТрейд хорошая поддержка или мне так везло, но верификация была пройдена с первого раза. Еще радует, что реквот нет, да и вообще, торговать — одно удовольствие.

Расширение возможностей трейдеров

Это предоставляет дополнительную гибкость и удобство для активных и опытных трейдеров. ЛамдаТрейд предлагает разнообразные торговые счета, которые могут удовлетворить потребности различных категорий трейдеров, от новичков до профессионалов, с разными стратегиями и предпочтениями. ЛамдаТрейд является одним из лидеров в рейтингах Форекс-брокеров и обладает внушительным месячным оборотом торгов в размере 325,8 миллиарда долларов США. Клиентам брокера доступны разнообразные торговые активы, включая CFD на криптовалюты, акции, валютные пары, энергоресурсы и металлы. Компания сообщает, что брокер технологию B2B делает современной. Если возникли дополнительные вопросы, то можно пообщаться с работниками службы поддержки, чтобы получить экспертный совет.

В целом, гибкие возможности ЛамдаТрейд по вводу и выводу средств способствуют удобству использования, позволяя трейдерам эффективно управлять своими средствами. Усилия брокера по минимизации комиссий делают его выгодным выбором в этом отношении. ЛамдаТрейд предлагает эффективную службу поддержки клиентов, отвечающую потребностям трейдеров. Поддержка осуществляется как в стандартные, так и в расширенные часы, что позволяет учитывать различные часовые пояса.

Да и с финансами вопросов не возникало — есть варианты как и внести, и вывести. По крайней мере, у меня не было такого, чтобы отказали или перенесли. Нет, конечно, не сразу все так было гладко — одно время на стопах сильно прогорал. Ну, собственно, и в ЛамдаТрейд есть к кому обратиться за консультацией. В общем, разобрался со стопами — все очень правильно и удобно.

Подробную информацию о текущих курсах можно найти на сайте ЛамдаТрейд. ЛамдаТрейд имеет офисы в разных странах, включая Кипр, Великобританию, Сейшелы, Южную Африку, Кюрасао, Британские Виргинские острова и Кению. Что касается свопов, то их тоже можно посчитать средними по рынку. Где они отрицательные, расходы ниже, чем у большинства брокеров. Однако, где у большинства брокеров свопы ламдатрейд положительные, у ЛамдаТрейд свопы нулевые.

Методы пополнения и комиссии ЛамдаТрейд

Реализуются так называемые металло-валютные счета, которые формируют инвестиционный портфель. Грамотная аналитика и корректное обращение со счетами позволяет достигать высокого чистого дохода на дальней дистанции. Как-то подозрительно у меня терминал начал подвисать при успешных сделках. Такая проблема уже ни для кого не секрет, так все брокеры делают. Но все равно хочу достучаться до них, хотя скорее всего будут мне сказки рассказывать. Кроме того, трейдеры могут получить доступ к дополнительным ресурсам, таким как часто задаваемые вопросы, руководства по торговле и образовательные материалы.

10 Best Long-Term Investments In 2025

But with thousands of stocks available and multiple strategies to choose from, how do you start picking the right ones? Choosing the right stocks is one of your most crucial decisions when you invest. You should consider whether you understand how CFDs, FX, or any of our other products work and whether you can afford to take the high risk of losing your money. CFDs and forex (FX) are complex instruments and come with a high risk of losing money rapidly due to leverage. You should consider whether you understand how derivatives work and whether you can afford to take the high risk of losing your money. CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage.

It’s calculated by dividing the company’s total liabilities by its total assets. To answer this question, you need to apply some common-sense principles, such as looking at the company’s debt ratio and current ratio. How do you know if a stock is a good long-term buy and not a value trap (the stock looks cheap but can head a lot lower)?

Growth vs value

You not only give your money more time to grow, but you also get to keep more of your gains. It’s also possible to reduce your tax bill by using retirement accounts or selling losing stocks to offset gains. This is one of the reasons long term investing can be more profitable over time. Taxes can take a big bite out of investment gains, but long term investors often enjoy better rates. Diversification is one of the best tools for protecting your investments.

Growth Investing

Investing in stocks means becoming a partial owner of a company, and returns come from dividends or selling stocks at a higher price than purchased. “It takes discipline to continue to buy investments during a market downturn, but a shift in mindset can help—rather than fearing financial loss, an investor can reframe it as buying stocks ‘on sale,'” he said. The stock market can seem daunting, especially with the constant fluctuations in stock prices, market news, and the complexity of choosing the best investments for the future. Long term stock investments are typically less affected by short-term market fluctuations and offer returns due to compounding growth. Another way to pick stocks for long-term investments is to look for companies that regularly pay out dividends to shareholders. When it comes to long-term investments, certain industries have demonstrated strong growth potential and the ability to deliver consistent returns over time.

Dividend stock investing is an attractive strategy for many investors seeking both income and growth. Reinvesting dividends to purchase more shares can significantly enhance your investment’s growth potential. Incorporating dividend stocks into a long-term portfolio also helps diversify risk. Unlike growth stocks, which rely solely on capital appreciation, dividend stocks offer regular payouts that can be relied upon regardless of market conditions.

When considering growth vs value investing, it’s important not to let short-term volatility influence your decisions. By reinvesting dividends and capital gains, even small, steady growth can accumulate into quite a wealth over the long term. Hence, investing time rather than trying to time the market could be a better strategy. Instead, allocate more of your funds to good long term stocks. While it’s important to have cash for emergencies, holding too much cash can hurt your long term growth potential.

If you wouldn’t feel comfortable holding the stock for ten years, it might not be the right fit. Look at things like debt, leadership, and how they’ve handled tough times in the past. Check if a company is profitable and whether its sales are growing. Look for companies that have been around for a while, treat their shareholders well, and have a clear path forward. They’re part of solid businesses with healthy finances, consistent earnings, and a strong reputation.

Phrases Containing choose

One of the biggest challenges in long-term investing is managing emotions. Companies with strong competitive advantages are better positioned to maintain profitability over time. Fundamental analysis is the backbone of long-term stock selection. Understanding your objectives will guide your stock selection process. Are you looking to build wealth for retirement, save for a major purchase, or generate passive income? This approach requires a strategic mindset, thorough research, and a focus on the fundamentals of the companies you are considering.

Common Investing Terms & Concepts:

Seek out large-cap growth ETFs with low costs and high liquidity. This will provide you with a platform to buy and sell shares, as well as access to research and analysis tools to help you make informed investment decisions. Our aim is to pave a clearer path toward achieving long-term investment success. It’s important to bear in mind that successful long-term investing requires diligent research, a patient approach, and a focus on the broader perspective. Utilising research tools plays a crucial role in making informed investment decisions.

On the other hand, short-term traders are often more interested in taking advantage of quick price changes, selling within days or even minutes. When you own a stock, you basically own a piece of that business. An investor focused on long-term gains will have different criteria than a day trader looking to benefit from short-term market movements. You can change your preferences or retract your consent at any time via the cookie policy page.

  • How do you know if a stock is a good long-term buy and not a value trap (the stock looks cheap but can head a lot lower)?
  • For growth stocks, that might be revenue and earnings.
  • Here are some of the popular websites, that we can use to analysis stocks’s financials and fundamental parameters.
  • By including both in your portfolio, you can create a more balanced and resilient investment strategy.
  • By focusing on a company’s fundamentals and diversifying investments across various sectors, investors can build a resilient portfolio that withstands market fluctuations.

Understanding the Ups and Downs of the Market

  • The sector includes companies that produce machinery, handheld tools, and industrial products.
  • This is because even if the company is poised to perform well, the stock may not be a good investment if the sector it operates in has poor long-term prospects.
  • Their lower valuation tends to make them less volatile and lowers their downside potential, too, making them a better option for risk-averse investors.
  • There are many ways to pick stocks, and sticking with a single philosophy is important.
  • If they’re projected to remain strong, this could be a sign that the company may be a good long-term buy.
  • Alternatively, if the company is cutting future earnings guidance, this could be a sign of earnings weakness, and you might want to stay away.

Swing trading is unique in its balance between shorter and longer timeframes. By buying near support or selling near resistance, traders can enter or exit trades with a favourable risk-to-reward ratio. These technical indicators help traders anticipate when a stock will move from a downtrend to an uptrend or vice versa. This helps you execute trades at or close to your desired price.

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With that as the backdrop, here’s a closer look at three dividend stocks you can buy today that will not only be around forever, but should continue growing their top and bottom lines — as well as their dividends — forever. Finding an attractive dividend stock to add to your portfolio today isn’t too difficult of a task. IWF carries a five-star Morningstar rating, reflecting how it has historically outperformed most of the 1,031 large-cap growth funds on a risk-adjusted basis. Many older growth mutual funds use the Russell 1000 Growth Index as their benchmark to beat, making iShares Russell 1000 Growth ETF (IWF) a popular “buy the haystack” option for ETF investors. Both ETFs track the Nasdaq-100 Index, which consists of the 100 largest non-financial companies listed on the exchange and weights them by market capitalization with minor adjustments.

What Long Term Stocks Mean for Everyday Investors

A low debt-to-equity ratio can indicate that a company has a strong balance sheet and the financial flexibility to weather economic downturns or invest in growth opportunities. For investors looking to capitalize on the growth of renewable energy, Tesla Inc. (TSLA) is a compelling long-term investment. The company’s diversified product portfolio and focus on cloud-based services make it a compelling long-term investment. Apple has consistently demonstrated its ability to adapt to changing market conditions and deliver consistent financial performance, making it a solid long-term investment.

Which are the best funds for beginners? There is no guarantee that these mutual funds will perform well. Will these mutual funds perform well in 2026?

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With the rise of online trading platforms and the increasing popularity of investing, it’s easier than ever to get started. It revolves around creating a personalised plan that aligns with your financial goals and comfort with risks. Mastering how to select stocks for the long term isn’t solely reliant on luck; rather, it demands careful planning and patience.

ROE measures the profitability of a company relative to shareholders’ equity. Dividends are payments made by a corporation to its shareholders, usually in the form of cash or additional stock. The P/E ratio is used extensively because it provides a quick snapshot of a company’s valuation. Investors use fundamental analysis to determine a stock’s intrinsic value, seeking to identify undervalued opportunities. Another option to consider would be trading, which is a much more active strategy where investors buy and sell assets frequently, often within days or even Choosing Stocks for Long-Term Investment minutes. Over the course of years and decades, this compounding effect can significantly increase the value of the initial investment.