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When trading Forex it is important to have all the proper tolls in your belt. The most important tool in my opinion is a good reliable Forex trading software program. The problem is that there are so many of them out there. As a result of the flood of inferior products I have sought to narrow it down to the best three programs: The Forex Autopilot, Forex Killer, and Forex 10 minute program. I you would like a more in depth review the links at the bottom of the page lead to an in depth review and link to the companies.

The Forex Autopilot: Marcus Leary is the developer of this Forex software program and he has certainly proven him self as he is one the old pros who knows the ins and outs of the currency trading world. He confesses that his system is probably not going to make you wealthy overnight. But he is confident that it does have the potential to make a consistent income of a couple hundred dollars, which is enough to give most people the opportunity to quit their regular jobs and trade the Forex market full time.

The Forex Killer: The Forex Killer software was is the baby program of the infamous currency trader, by the name of Andreas Kirchberger. This is my personal favorite because it has helped so many already and the testimonies and reliability of this system is very, very good.

The 10 Minute Forex Wealth Builder: Long time pro, Dn Saunders developed this program. It is popular and been around for a while for one reason: It flat out works.

Get an Objective Review of the Most Popular Forex Trading Software Programs. Forex Trading System Review is the place to visit.

See What Forex Trading Software REALLY Works! forex-trading-system-review.com is the place to visit.

There is currently a genuine state of confusion regarding commercial loan rates. The confusion is not just restricted to borrowers, either. Brokers, lenders and professional investors are all struggling to get a handle on what is going on with commercial loan rates.

Borrowers are under the impression that we’re at historic lows. They hear about the feds lowering rates and also hear national banks quote ridiculously low rates. What these national banks aren’t advertising is that their decline rates are at historic highs. Is difficult to be able to track a statistics like this but my friends and associates that work at intuitions like Bank of America, CITI etc tell me that there decline rate are at 95% or so.

So what that means is that they are cherry picking to an incredible degree (can you blame them?). The low commercial loan rates that they are advertising are only relevant for 5% of the borrowers that apply. Think about that for a moment, for every 100 people that fill out those 6 page applications, provide their tax return, etc, 95 of them are getting declined. As a comparison the decline rates are normally more like 50%.

The confusion is not just restricted to borrowers but to professionals in the industry as well. The spreads or margin are varying from one lender to the next more than we have seen. People in the business are struggling to understand why. Normally if you were to get 10 quotes on the same deal the commercial loan rates would be within .25 -. 35% of each other. Perhaps a few would tweak the prepayments or term, etc but their rates would be close. Now we are seeing commercial loan rates on the same deal varying between 2% -3%…

Part of the problem is that some of the lenders and banks themselves are having their cost of capital increase. Some of their credit rating are being lowered, as their balance sheets are scrutinised. So despite the Feds lower their rates, the margins that the banks charge (in order to cover their costs, risk and make a profit) go up as their cost of capital go up. So as one bank is more financial healthy than the next its costs of capital varies.

So what’s the happy ending? We currently don’t have one. If you’re thinking of buying or refinancing a commercial property in the next few months we would suggest getting it done now as in maybe a while before things re-stabilize and commercial loan rates become more universal.

Jeff Rauth is President of Commercial Finance Advisors, Inc out of Birmingham, Michigan. He has a STORE for commercial loan brokers. Contracts, spreadsheets, books, etc. Products starting at $4.95! Check it out commercial mortgage broker store or commercial loan rates

These trends relate to the increasing cost of retirement which in turn is linked to longer life expectancy and the effects of a massive ageing population.

Firstly, as we know, most major employers are moving away from the final-salary pension schemes of old. The promises made by employers are proving to be very expensive to keep and as such, current corporate management is trying to lower or remove this burden.

The second major trend is the devaluing of state retirement benefits. Of course, this differs from country to country, but the trend is for pensioners to receive less, not more benefits.

Whilst the masses appear to be completely unaware of this trend, the clock to retirement age is ticking and each passing month without action is one less in which preparation can be made.

Suddenly, investors need to decide whether they want to focus on alpha or beta. For the lay person, this means either trusting in the skill of an investment management to outperform the market, or, relying on the market and investing passively in an index. This is a very difficult call to make.

Should an investor stick with the more traditional unit linked funds investing on the stock exchange and bond markets, or look to more adventurous areas such as hedge funds, property and commodities? Can an investor protect themselves from the potential swings in the market by diversification?

For those that wish to avoid the complexities and rely on a managed fund, choosing a manager can be hard to do. Even the legendary Bill Miller who had beated the S&P 500 for an incredible 15 consecutive years has just had 2 poor years in a row.

In fact, the average US mutual fund investor averages much lower returns than are possible. This is in part due to the unfortunate habit of private investors to jump onto an investment bandwagon and buy into hot funds at the top of the market. Some studies suggest that this causes most investors to earn a massive five percent less each year than the S&P 500 index.

Such mistakes are primarily due to a lack of understanding. Private investors often lack economic, business, political, financial or stock exchange knowledge – and this can prove to be very expensive. This – of course – is understandable. Not everyone has the desire or capacity to become an expert in economics or geopolitics. And yet, this is what these changes essentially require. At the most extreme, this may prove to be the difference between a prosperous or a poor old age.

All these things really prove is that the private investor needs to understand the stock exchange and it’s workings more and more – and that an ever greater number of people need to become private investors. This will be a massive change in how individuals are responsible for their own affairs.

Stuart Langridge is a financial advisor and personal finance columnist. He shows people why they need to invest on the stock exchange and why we all need to Invest on the stock exchange for a more comfortable retirement.

Tax reduction and tax deferral are the primary benefits of obtaining a cost segregation study. Income taxes are a substantial burden for most real estate investors. Tax deductions help with this burden. While some level of taxation is necessary, it is both inappropriate and imprudent to pay more than your fair share.

Income tax is based on net profit or taxable income. The basic formula for calculating taxable income is revenue less expenses (tax deductions). Expenses can include both direct payments to third parties (labor, rent, supplies, etc.) and non-cash deduction. The primary non-cash deductions are depreciation and amortization. Tax reduction (tax cuts) are a direct result of increasing tax deductions.

The tax deduction benefit real estate owners gain from cost segregation is a higher level of depreciation. This non-cash tax deduction reduces taxable income and income taxes. For example, if the amount of depreciation increased by $100,000 (as result of a cost segregation study), taxable income would decrease by $100,000, and the owner experiences a $35,000 reduction in taxes (based on 35% tax rate).

Most real estate owners depreciate real estate based upon splitting the cost basis between land and improvements. The property owner or tax preparer typically estimates the portion for the land and attributes the balance to long-life improvements. Long-life improvements depreciate over 27.5 years for rental residential property and 39 years for commercial property

While this simplistic method is lawful, it cheats the real estate owner of tax deductions. A cost segregation study identifies up to 130 short-life components. (Cost segregation is different than component depreciation, which was available until the early 1908s. However, the result of both is to increase depreciation and tax deductions during the early years of ownership.) These short-life components typically comprise 20-50% of the improvement cost basis and are depreciated over 5 years (20.0% per year), 7 years (14.29% per year) and 15 years (6.67% per year).

Depreciation effectively changes the character of income from ordinary income to capital gains income. While the maximum income tax rate for ordinary income is 35%, the maximum rate for capital gains is 15% (less than half the ordinary income tax). This affects substantial income tax reduction.

Increasing depreciation also affects deferral of payment of income taxes. Instead of paying taxes (at the ordinary income tax rate) in the year income is earned, taxes are paid (at the capital gain rate) in the year the property is sold. Cost segregation effectively generates an interest free loan (until the property is sold) and reduces the tax rate (from 35% to 15%).

Cost segregation produces tax deductions and reduces federal income taxes across the country and in every size market. Below are just a few examples of where cost segregation generates meaningful tax deductions.

City:

• Miami, FL
• Bridgeport, CT
• Washington, DC
• San Francisco, CA
• Atlanta, GA
• Dallas/Ft. Worth, TX
• New Orleans, LA
• New York, NY
• Baltimore, MD
• Hartford, CT
• Indianapolis, IN
• Wichita, KS
• Detroit, MI
• Charleston, SC
• Providence, RI
• Grand Rapids, MI
• Jacksonville, TN
• Boise, ID
• Santa Rosa, CA
• Columbia, SC
• Columbus, OH
• Oxnard, CA
• Greensboro, NC
• Allentown, PA
• Harrisburg, PA
• Louisville, KY
• Fresno, CA
• Akron, OH
• Chicago, IL
• Portland, OR

Cost segregation produces tax deductions for virtually all property types.

Property Type:

• Manufacturing/processing
• Tennis club
• Retirement home
• Auto service garage
• Mini-warehouse
• Single-tenant retail
• Medical facility
• Hotel
• Retail
• Vacant land

Almost every industry, including the following, can generate cost-efficient tax deductions by using cost segregation.

Industry:

• Wood product manufacturing
• Warehousing and storage
• Truck transportation
• Transportation equipment manufacturing
• Textile product mills
• Textile mills
• Real estate lesser
• Publishers
• Printing activities
• Plastic and rubber products manufacturing

O’Connor & Associates is a national provider of investment property consulting services including cost segregation studies, due diligence, insurance valuations, tax reduction, property tax, market research,expert witness,private bond activity,taxes,residential property appraisals,Tarrant Central Appraisal District,Tips and Tricks for Appealing Your Property Taxes in Dallas,Dallas county appraisal and Federal tax reduction. Our appraisers are competent to appraise virtually all types of property including land, neighborhood shopping centers, warehouses, bowling alleys, motels, mobile home parks, self-storage units, retirement homes, multifamily housing, movie theatres, veterinary clinics, single-tenant retail centers, funeral homes, bars, amusement parks, hospitals, schools, night clubs, apartments and medical facilities.

Many business people don’t know that equipment leases can be negotiated. They do a quick read-through of the contract, see that the monthly payments are what was represented, and sign where indicated. Not carefully reviewing each paragraph of the agreement can be costly. Long, drawn-out contracts are often developed by leasing companies to gain added revenues and advantages for themselves. Consequently, in this situation, it is to the detriment of the lessee.

This article discloses some of the terms and conditions that are contained in lease contracts, but can often be negotiated. A properly trained lease broker can be invaluable in helping the lessee discern the points of contention and negotiate a fair and equitable agreement.

1. Credit or commitment fees: Some leasing companies will charge you a fee simply to process the credit application. Others may charge a fee to keep the credit commitment open after the application has been approved. These are ridiculous fees that I would advise never paying.

2. End of term option: This is a critical point in the contract. Beware of language that allows you to buy the equipment at a “mutually acceptable price” as opposed to fair market value. When a lessor states they will sell you the equipment at a mutually acceptable price, they can back you into a corner by charging just about what they want. Fair market value and $1 buyout leases are legally defined and more quantifiable.

3. The never-ending lease: Some leasing companies try to lock you into a leasing situation forever and the only way to escape is to pay an inordinate fee. Beware of a lease that gives you three options at the end of the term: a. Buy the equipment at a “mutually agreeable price”. b. Extend the contract at a mutually agreeable price, or c. Return the equipment to the lessor and strike a new deal at a mutually agreeable price. These are all poor options for you, the lessee and only serve to benefit the profit of the leasing company.

4. Equipment pass title fees: These are fees that some lessors charge when the lessee chooses to buy the equipment at the end of the lease term and obtain clear title. These fees can be as high as $250 or more.

5. “Put” at end of lease: Make sure that you have an option to buy the equipment at the end of the lease and not a put. A put may result in lower monthly payments, but requires you to buy the equipment, as opposed to an option, which gives you a choice.

6. Delayed payment to vendor: Some leasing firms delay payment to the vendor for the purpose of increasing their yield. This is unethical, creates a hardship for the vendor, and makes your company appear in a bad light.

7. Up-front broker fees:Some lease brokers charge an up-front fee at the onset of the relationship. I have never charged such a fee because my compensation is based upon a successful completion of the transaction and is a percentage of the amount funded.

These are some of the items to look for when reviewing an equipment lease. Keep in mind that competition among leasing companies is intense and they do not want to lose your business. Do not be shy about asking that these fees be taken out of the agreement.

Kent Harlan has been a CPA since 1984 and has provided consulting, accounting and financial services to several industries. He is the owner of Ozarks Capital Funding, LLC, a Springfield, MO based company offering business and heatlhcare financing.

Does your company need to finance new equipment or refinance your existing inventory of equipment? click here to apply.

EMAIL: kenth@ocflink.com
WEB: http://www.ocflink.com
PHONE: 417.849.7394

Each investor gets in the stock market with the same main goal- to add to their own wealth. For generations, the stock market has shown to be a winning strategy to establish personal riches for investors around the globe. Although a lot of investors are fortunate in their quests, there are as well numerous others who lose money attributable to several basic investment errors. The five most common investment errors are the lack of portfolio diversification, ineffective market timing, lack of reinvestment, emotional investing and overpaying for investments and investment advice.

1. Lack of Diversification

Diversification is among the fundaments to a flourishing investment portfolio, yet so many investors neglect to properly address this step. Whenever an investor decides to invest into a particular industry sector or into a particular company without diversifying across other investments, they’re essentially putting all of their eggs into one basket. This move can significantly add to the investor’s portfolio risk and the possibility for loss of capital. A properly diversified portfolio will adhere to all components of an asset allocation, considering risk tolerance, investment capital available, investment time frame and the current portfolio’s investment class weightings.

2. Market Timing

Some investors get wind of success stories from investors and traders who win big time by timing the markets. Although market timing can turn out to be successful for a lot of investors, many investors make the mistake of investing into a stock while its price is climbing instead of at the ground level. Another market timing error is selling an investment when the investor thinks that the stock is about to come down, potentially causing the investor to lose capital growth opportunities if the stock does not in fact drop-off as anticipated. Though market timing is a winning strategy for many investors, it can be a risky investment strategy and is not suggested for most investors.

3. Lack of Reinvestment

Whenever an investor is to sell off their investments, a big mistake that can be made is to not reinvest the money into a different investment, therefore holding the proceeds in cash. In many cases, it is advisable to reinvest the proceeds into another stock that meets the investor’s own objectives. Another reinvestment error occurs when investors fail to take advantage of the opportunity that a lot of investments offer the ability to reinvest dividends. This is an good strategy for wealth building and should be considered by nearly all investors.

4. Emotional Decisions

Most investors make their trading decisions on an emotional basis rather than on a logical basis. For instance, emotional investors will sell off an investment as it is dropping in price, therefore taking a loss instead of waiting for the market to re-correct. Although the overall investment goal is to buy when low and sell when high, a lot of investors execute the exact opposite strategy based on their emotional reactions.

5. Overpaying for Investment Fees

The price that is paid for investments can have a huge impact on an investor’s total investment return. Consider investment trading fees, investment transaction fees and up front prices for investment advice in order to ensure that your net investment returns are as healthy as possible.

Larry Haywood is a stock market enthusiast, focusing on innovative and unique techniques for building up wealth via the stock market. For a limited time, you can claim the “Insider’s Guide To Forex Trading” e-book absolutely free at: http://www.mystockmarkettips.com/ebook-offer.htm

Press releases let you use the media to draw attention to your business, which makes it more credible in the eyes of the public. Consider five easy tips on how to make your press release great.

Proper Format: All of your press releases should be written in the proper format. Your goal should be to give you and your business a professional air. You will need to review your press release, checking spelling, grammar, and punctuation before sending it to any media source.

Writing Clearly and Pointedly: Since most media outlets receive a steady stream of press releases, they do not have time to read long ones. No press release should be more than two pages in length. In order to keep your press release at this size, your writing needs to be clear and pointed, answering the most important questions: who, what, where, when, why, and how.

Emphasize Benefits to the Reader: Your press release should encourage readers to do something. Depending on the situation, you might tell them to check out your website, visit the grand opening of your new store, or attend your special event. Your writing should emphasize the benefits that your reader will receive by taking part in whatever it is that your press release is promoting. Instead of just writing a straightforward advertisement, make potential customers see what’s in it for them.

For example, a press release about a new food processor needs to tell readers more than the simple facts that the new product is more compact than older models. Make customers see the benefits they will derive from purchasing it by wording it differently. You could say, “The compact size of our new food processor will let customers maximize counter space while chopping up foods with just as much power as previous models.” This tells your reader why they need to buy your product.

Keep the Mood Interesting: You need to write in a style that will make readers excited about your product. Dress up the facts in an effort to keep things interesting for your readers. With the above food processor example, you can tell customers that “the new compact, counter-saving model will be in stores this spring, just when you’ll need it to chop up fresh veggies to make the perfect summer salad” instead of simply stating “the new food processor will be available in the spring.”

Keep Your Target Customer in Mind: Always remember who your target customers are while you write and submit your press releases. This will also help you to determine what information should be in your press release and which media sources you should submit it to.

You wouldn’t, for example, submit a press release about a children’s health event to a newspaper’s travel editor, since this will not help you get your information to your target audience.

Are you searching for a way to make money on eBay? Find out how to start a thriving eBay business on the Online Auction Advisor website. Visit http://www.online-auction-advisor.com for a copy of my ebook “101 eBay Tips” – a $47 value absolutely free!

Forex: To trade or not to trade? Many are reluctant to associate with Forex trading because of its risks. Generally speaking, there are risks everywhere in our lives: May factories fails, not a customer May appointment if you open a store, stock market May crush, and if you are an employee, you get fired May undertaken during reduction. There are risks everywhere! The important question here is how you learn and maintain your own risk. So if you plan to participate in the Forex market, you have to learn risk management, instead of being terrified.

Picking Up the forex dealer right

One of the best ways to avoid unnecessary risks is to avoid fraud dealer.

Forex is a special market operations without centralized. Thus, unlike regulated futures, there is no central Forex market for buyers or sellers, therefore the price offered by different dealers Forex May vary widely. When you’re negotiating Forex market, you are totally relying on the integrity of the concessionaire for fair treatment.

Besides, you must select a right Forex dealer to avoid scams. It May be Forex dealers who are not legally regulated and perhaps investment scams, especially on the Internet. Be very careful about who you’re dealing with Forex and always check carefully on investment offers.

Stop order

The Forex market can move against you. No one can predict with certainty how the exchange rate will, and the Forex market is volatile. The fluctuations in the exchange rate between the time you place the trade and when you try to liquidate it will affect the price of your contract Forex and the potential profits and losses thereof. To avoid losing all your investment capital, you must have a pre-arrangement on your risk profile. A solid risk profile is limited forex dealer not to exceed the risk that you can not handle. For example, if you have 100000 to invest, you can say you’re willing to risk 10000 of this capital with the possibility of winning another 100000. This can be easily implemented by a fund manager so that your losses can be limited to 10% or 5% of capital invested.

Avoid excessive margin trading

Another way to manage your risks well Forex market is trade without overleveraged. Forex dealers offer high leverage* which in turn allows clients to trade more volume. Also, trade highly leveraged in May to increase your profit or your loss. It is high possibilities that are losing money more than he or she can afford a room for negotiation.

Forex can be extremely beneficial to a variety of people. It gives enormous leverage* rate, it gives incompatible liquidity of your money it gives to facilitate commerce on the Internet, and it can certainly give you a lot of money if you trade intelligently. Like any other business trade, if you’re new, the best advice you can get is to learn and practise more before you test your “wings”. Seminars, e-books, Internet, documents, video courses – all these are good for your loan. You can also test your skills on the free demonstration. After all, Forex trades 24 hours a day and it is always to make money on the market, so why not be patient until you’re quite ready for it?

The diversification in Forex trading

Diversification is another way to manage risks in Forex market. Trading a currency pair will generate little input signals. If you want to reduce your risk of Forex market, it would be better to diversify your transactions between different currencies.

Try trade at the same time on different pair of currency. Say you have a capital of $ 1000, instead of putting all your money in the long EUR / USD, you can split the money half long EUR / USD and GBD / USD ($ 500 each) that these two currencies are strongly correlated and tends to move in the same direction.

Conclusion

It goes without saying that knowledge is another key to managing your risk. Before arriving in Forex market, the best thing you should do is educate yourself. What drives the currency price trends? How to read data analysis? How to read indicators table? To find out details on how the currency price and how to trade foreign exchange in order to avoid unnecessary risks.

You come to this article probably because you are new to FOREX and the search for lectures on the Internet. To be frank, Forex can be very profitable but the risk is below is equally great. But what else in life does not present a risk? You can be fired from your job, a plant malfunction of May, stock market collapse of May, your boss May fugue with your salary, and hey! These are all risks. Learning in risk management is the key to managing your life.

Commerce intelligently, and get the maximum Forex – good luck!

* Without proper risk management, this high degree of leverage can lead to large losses as well as gains.

http://www.autotradingfx.com

http://www.autotradingfx.com/articles/understanding-risks-forex-trading

Many times, we see others as well as ourselves getting into the debt trap very easily. A deadly debt trap never allows the savings to remain with you. However hard you try to save money, you ultimately spend them on paying huge interests on your accumulated debts. So what all, does it take to save money and lead a care-free life without debts? To crack this puzzle, you need not think hard.

While we can see various reasons trigger one deep down into the word of debts, we can broadly classify these so-called reasons as personal, economic and social. Personal situations may include reasons like loss of job, cut in the pay, accumulation of existing debts, treatment of illness, family crisis and so on. Personal situations are never predictable and so one should always be prepared for any such crisis contingencies, which can cause a major blow to the income. It is always advisable to set aside some portion of your income in a different bank account, so that it can be effectively used during such contingencies.

Coming to the economic triggers, one can get blown away with a sudden loss in business, tumbling sales, bad debts, inflation, economy slowdown etc. Currently, we are indeed witnessing the recession in the economy with the cost of living doubled and the means of income reduced.

While personal and economic reasons may be unpredictable, social triggers definitely are self- sponsored and can be truly avoided by adopting certain means. Don’t you think you will be in a posh car showroom tomorrow, if today you see your junior colleague getting that swanky car to the office? Yes, I am talking about status anxiety. As you put a step ahead each time in your career and status, you always tend to get anxious about maintaining the same. As a result, you do not even hesitate for a single moment and delve deep down in the debt-pool.

When we go out for shopping with our friends, we do tend to splurge more than what we actually should. Many things are purchased just because “My friend also bought it”. And to make things simpler, we always carry the very famous “plastic money” with us. Credit cards had come as a convenience, but now we use it to satiate our status hunger. Although, it may sound a little strange, but it’s always wise to ask yourself a small question “Do I need to buy this?” before you actually swipe your card for the purchase.

And what happens next is the rather unending sequence of debt repayments. If you have bought an exotic product on debt, just check out the interest rate you are paying on the actual or principal amount and then you would come to know the real worth and utility of the product.

You get into debts largely because of two reasons – Improper planning and tendency to spend more. Always remember that debts should be availed ONLY if necessary and ONLY to the extent of what you can repay without much encumbrances. Budgeting, planning and control are three simple, yet magical keys to have a debt free life.

Andy Eaton is £21,040.57 in debt, read his personal blog and discover his step-by-step plan for why and how he is eliminating his debt. His journey to debt free is going to happen quickly for him as he is using a plan. Follow his amazing story at http://www.sick2debt.com

The financial market is growing rapidly and providing a whole new range of opportunities like never before. This is indeed a good opportunity for those who want to avail loans to meet their various demands. The nature of the market is such that even a person with a bad credit can obtain finances without facing too many hassles. To make it more convenient for the borrowers, lenders have come up with bad debt loan. These loans are cited to be the best loans available to a borrower with credit problems as it enables them to reinstate their financial freedom.

In a typical situation, a person with bad debt implies that he/she may have arrears; defaults etc on various unpaid debts. But with these loans, no such things matter. As a matter of fact, these loans offer a chance to the borrowers to enjoy the financial freedom just like any other person with a good credit record. With the aid of these loans, a borrower can fulfill needs like enhancing the decor of home, higher studies, vacation, wedding and even consolidating debts.

These loans are further categorized in to secured and unsecured form, so that all types of borrower from various sections can derive the finance without any difficulty. Secured form of the loans provides a bigger amount, but to do so, borrower has to pledge an asset as collateral. On the contrary, unsecured loans do not require any such collateral pledging.

The interest rates for the loans are slightly higher, as the lenders are taking a lot risk by offering monetary aid. But then, to get hold of a low rate deal, borrower should undertake a proper research of the market this way, borrower has a chance to derive the loans at nominal rates. These loans are also available online where in a person can derive the finances without facing too many hassles. Besides on comparing the various rate quotes, one can easily come across lenders approving the loans at competitive rates.

Bad debt loans are easy loans meant for those with credit problems. With these loans, these borrowers have a chance to realize their needs and wishes in a convenient and systematic manner.

Peter Darwin has done his masters in Business Administration from Oxford university and is currently assisting Bad Debt Unsecured Loan as a finance specialist. For more information related to Bad Debt Loans, Unsecured Personal Loan, Bad Debt Tenant Loan, Bad Debt Unsecured Loan please visit http://www.baddebtunsecuredloan.co.uk/