Many local newspapers had online personals in the mid 1990s but were bought out by these big dating sites. From some of the comments it really shows how desperate dating sites are for money that they even advertise in comment sections. You have a much better chance going to local events and you will probably spend less than what you would spend on an online dating site.

Other apps have indicated that they might actually move closer to Facebook. For example, Bumble, founded by a former Tinder executive, said they had already reached out to Facebook regarding how to collaborate. And, “One thing everyone seems to agree on is that Facebook’s effectively endorsing online dating will be a huge legitimization event for the industry,” says Jefferies Internet analyst Brent Thill. According to Amanda Bradford, chief executive of The League, an elite dating app, “Facebook is validating that dating is a high-tech industry with really interesting and hard problems to solve. Still, Facebook could face some obstacles in building enough separation between the dating service and the legacy social network; some users might not like having both activities live on one app.

After giving him some time to cope with his cat passing away, he made plans to see her again and she was thrilled. He canceled the date last minute again because he said his grandma had died. Although this seemed too tragic to be true, she gave him the benefit of the doubt that he was telling the truth. Additionally, if someone is giving you a checklist right away of all of the things they want in a future partner, this may be a red flag for some controlling behaviors. It’s one thing if they express their non-negotiables but it’s another thing entirely if they are listing required traits. If you feel like someone is already trying to change things about you to suit their needs, that’s not okay. How someone initiates a conversation with you will say a lot about how they view you as a person and how they might treat you as a partner.

Online dating users are more likely to describe their overall experience with using dating sites or apps in positive, rather than negative, terms. Some 57% of Americans who have ever used a dating site or app say their own personal experiences with these platforms have been very or somewhat positive. Still, about four-in-ten online daters (42%) describe their personal experience with dating sites or apps as at least somewhat negative. Happily, there are some dating services that are looking to overcome the vanity. For example, Hinge matches people based on personality and preferences and lets you create a more interesting and rounded profile to draw people in. One of the few dating sites designed for affairs, Ashley Madison connects users for discreet encounters.

Basically all a guy like you has to do is instantly grab her attention in a memorable way with both your profile and your messages, then spend the least amount of time possible convincing her to meet you in person. For those who are hesitant to enter the online dating world for reasons related to safety or awkward conversation lulls, Double aims to take the pressure off with Double dates as opposed to one-on-one.

State things that are really important to you and be done with it. Connor turned an attempt at small talk into a rant about “gold-digging whores,” and the dating app was not having it. Matt- But what about when you said you would meet me in real life and we would lose our virginity together. One Love educates young people about healthy and unhealthy relationships, empowering them to identify and avoid abuse and learn how to love better. If you are going somewhere that serves alcoholic beverages, most bartenders are using secret codes to help customers signal, privately, when they need help if they’re getting harassed or feeling unsafe on a bad date.

With no financial requirement, free sites will naturally attract a greater proportion of people who are not really committed to finding a genuine relationship. Memberships you gain additional features such as being able to send more messages and receiving event discounts.

Domenico Settembre 26, 2022 Dating Tips no responses

Despite the differences, men and women need the same items from their associations. This includes simply being admired, being taken care of, and being dependable. In short, both women and men require a partner who will be now there to support them when they want it most. During your stay on island is not a one size fits all health supplement for attaining these goals, there are a few actions you can take to ensure that you happen to be undertaking all you can to impress your woman.

First, know what you want. For almost all women, having men who is aware their organization is a must. Even though this doesn’t necessarily mean a male who recognizes a whole lot about funds, it does imply a man so, who isn’t worried to let his wife learn how much he adores her and how much he wants to make her happy.

Second, prepare yourself to do ADAC Ortsclub your write about of the work. Women require a gentleman who will care for the house and package dates. The main thing to do is to egyptian wife make sure that you are doing all you can to be the man that the girl wants.

Third, be considered a good listener. You could have the best motives, when you are not tuning in you won’t get very much out of the relationship. Be sure you are completely present during just about every conversation , nor apply sexist terminology.

Finally, know to intend. When you first start seeing, you may want to help to make the relationship a long term commitment, although that doesn’t indicate you can’t include entertaining along the way. Ensure that you keep your determination to yourself by keeping a list of things you want to complete in the future. This will keep you from becoming bored with the relationship and make your better half feel special.

In addition , experience a five year plan for your relationship. Want of things you need to accomplish together, make aside time each month to work on the plans. This will allow one to both learn from one other and introduce new troubles within your lives.

Fourth, the easiest way to impress your woman is to show her that you understand her. As you understand her needs and wants, she’ll take pleasure in you even more. She may even start to take you even more seriously. Having this kind of romantic relationship will https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4012696/ boost your confidence and make you think a more completed person overall.

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The best part is the fact you will be able to take advantage of the rewards of a successful romantic relationship. Hopefully, you and your wife will be able to observe your birthday, policy for the future, and also have fun in the act. You might not have it pretty much all figured out but, but if you do the part, your partner will be more than willing to help. You may be able to coach your wife how to dance!

Finally, the very best way to show your woman that you appreciate her is to generate her feel special. Whether you decide to make her a s’more, showing her fun, or just showing her that you care, your lover will thank you for it.

Domenico Settembre 17, 2022 Uncategorized no responses

Rubix will provide customers with all the necessary details required to start trading and investing in cryptocurrency, all while protecting their privacy. The IRS considers cryptocurrency holdings to be “property” for tax purposes, which means your virtual currency is taxed in the same way as any other assets you own, like stocks or gold. Cryptocurrency exchanges are a dime a dozen, but there are only a few we think make sense for crypto investors. The volatile, speculative nature of cryptocurrency investing presents risks for investors no matter how and where you buy it. Conservative predictions of Bitcoin say the cryptocurrency will reach $100,000 by 2023, but more bullish crypto enthusiasts say $250,000 isn’t far from sight. Big financial institutions have made their own predictions as well, with JPMorgan seeing a long-term high of $146,000 and Bloomberg saying it could hit $400,000 by 2022. A recent study by Deutsche Bank found that about a quarter of Bitcoin investors believe Bitcoin prices will be over $110,000 in five years.

  • It’s more secure, but if you forget your password or lose the device, you could lose access to your money forever.
  • Investors should continue to hold and not worry about the fluctuations.
  • Several big companies, such as Visa and PayPal, announced massive entry into crypto, and some major central banks, as well as hedge funds, also produced positive headlines for the crypto market.
  • The process of requiring network contributors to dedicate time and resources to creating new blocks ensures the network remains secure.
  • So, if you still don’t have an account on CEX.IO, you can easily register here.

Nowadays, cryptocurrencies are often called digital assets, because we can buy, sell, trade them just like traditional assets on the stock market. Thus, the majority of crypto enthusiasts are investors or traders who are trying to get a profit by speculating on crypto prices. A huge leap in the global blockchain market is expected within the next 25 years. 80 percent of bitcoin owners bought their coins, the other 20 percent were mined. A 6 billion dollar daily transaction is accounted for via bitcoin. Unlike dollars or other forms of money, Bitcoin isn’t something we can physically feel. However, it’s always accessible through smartphones or technology. In essence, Bitcoin is a digital currency that can be exchanged directly and virtually between individuals without the involvement of any other person or company. Because they are decentralized, or not maintained by the government, the value of cryptocurrencies is volatile. That’s why it’s important to monitor the conversation rate using a reliable source.

Price 1 Bitcoin To Us Dollar

Converter X provides up-to-date exchange rates on global currencies based on Open Exchange Rates. Check out the market overviewfor even more real-time currency quotes or try to apply technical analysis tools on interactive charts. Any of the excellent strategies you’re using for forex trading will also work when trading BTC/USD. One very excellent strategy uses the On-Balance Volume indicator to trade Bitcoin. This indicator uses a combination of price action and trading volume to analyze the market. Originally developed for the stock markets it has also been used successfully in forex trading. It also uses a comparison with Ethereum, the second largest cryptocurrency. Basically it looks for divergences between price action in Bitcoin and Ethereum, such as a breakout in one, but not the other. A breakout in Ethereum first indicates the same will be coming for Bitcoin, and the OBV is used to confirm that. A limit order can then be placed just above the BTC/USD resistance level.
At just above $30,000, Bitcoin has already done a 50% retracement off its all-time highs, with that level also being a 1.618 Fibonacci extension of the previous cycle that peaked in late 2017. The price has also been consolidating in the $30,000-$40,000 price range for a while now, and it is only a bit realistic to anticipate a breakout soon. Volatility will likely come sooner rather than later in either direction. Dollar, Enter the amount of money to be converted from Bitcoin to U.S. Some local regulations require platforms to obtain special licenses in their country while others are not crypto-friendly at all.
While institutional money is a major positive for cryptocurrencies, the launch of a Bitcoin ETF would go a long way in rubberstamping its legitimacy. Investors were confident that 2021 would be the year that a Bitcoin ETF would finally start trading, but the SEC has routinely frustrated several proposals to launch one. Nonetheless, there already exists an ETF for crypto mining and mining infrastructure companies trading on the NYSE; investors can only be hopeful a true Bitcoin ETF is on the way. The case which challenged XRP’s classification as a financial security rather than a currency saw the cryptocurrency’s value plunge dramatically. The suit even led to major crypto exchanges delisting Ripple from their platforms. Going forward, cryptocurrency investors will particularly be buoyed by flexible, principle-based, and collaborative regulation efforts by the relevant agencies. This will likely create an environment where the adoption and circulation of Bitcoin will be enhanced. The live price of BTC is $ 38,438.23 per (BTC / USD) today with a current market cap of $ 731.22B USD. CoinDesk is an independent operating subsidiary of Digital Currency Group, which invests in cryptocurrencies and blockchain startups.

So, if you still don’t have an account on CEX.IO, you can easily register here. The anonymous nature of cryptocurrencies attracts scammers and bad actors. So the reliable crypto exchange should maintain the KYC checks and verify customers’ identity to prevent possible frauds. As a rule, verification takes a few minutes to provide necessary information and photos. Finance analytics believe that there are a few main drivers that affect BTC and most altcoins. The strongest one is probably the global adoption and popularity. Because the more people know about the asset, the more they want to buy it.

Notes & Data Providers

A client is a piece of software that enables a network participant to run a node and connect to the blockchain. Bitcoin users send and receive coins over the network by inputting the public-key information attached to each person’s digital wallet. Enter an amount on the right-hand input field, to see the equivalent amount in Bitcoin on the left. You only get one unique key to access your wallet, which means you need to be extra careful about not losing your key or having it stolen. Don’t share your private key with anyone, just like you wouldn’t share your Social Security number or your debit card PIN.
one btc to usd
Given crypto’s history of volatility, this increase doesn’t guarantee a long-term reversal. Bitcoin’s price is just as likely to fall back down as it is to continue climbing. The future of cryptocurrency is sure to include plenty more volatility, and experts say that’s something long-term crypto investors will have to continue dealing with. In the short term, these factors have created some noise and extra volatility in the crypto and stock markets, but this is usual during times of uncertainty.

Fees work on a first-price auction system, where the higher the fee attached to the transaction, the more likely a miner will process that transaction first. Real-time last sale data for U.S. stock quotes reflect trades reported through Nasdaq only. Intraday data delayed at least 15 minutes or per exchange requirements. The exchange rates on this site are for information purposes only. They are not guaranteed to be accurate, and are subject to change without notice. A weighted average price of these one btc to usd markets is shown by default (based on 24-hour trade volume). Alternatively, you can choose a specific source from the settings menu. Many people find it difficult to convert Bitcoin to the regular currency applicable in the given marketplace. All you have to do is insert your desired amount in our converter tool, and the rest of the work is done by Rubix. To check Bitcoin price live in the fiat currency of your choice, you can use Crypto.com’s converter feature in the top right corner of this page.

Some are Ethereum vs Bitcoin, Tether vs Bitcoin, BNB vs Bitcoin, USD Coin vs Bitcoin, Solana vs Bitcoin, XRP vs Bitcoin, Terra vs Bitcoin, Cardano vs Bitcoin, Dogecoin vs Bitcoin. Our new digital magazine goes beyond the daily headlines to put crypto and blockchain developments in perspective. Australia follows a lengthy list of spot bitcoin issuances in Europe and Canada, but these products come at a challenging time for crypto; bitcoin and ether drop. No more bitcoin can be created and units of bitcoin cannot be destroyed. Holders who store their own bitcoin have complete control over it.

Simple Bitcoin Converter

Bitcoins can be copied and pasted, making them easy to counterfeit. The percentage of Binance customers who increased or decreased their net position in BTC over the past 24 hours through trading. An American nonprofit called the Bitcoin Foundation was founded in 2012 to support the development and adoption of the Bitcoin protocol. After three years, however, the foundation eventually ran out of cash and was dissolved. Each new block has a value called a “target hash.” In order to win the right to fill the next block, miners need to produce a hash that is lower than or equal to the numeric value of the ‘target’ hash. Since hashes are completely random, it’s just a matter of trial and error until one miner is successful.
one btc to usd
The percent change in trading volume for this asset compared to 24 hours ago. Whoever successfully unlocks the next block is rewarded with a set number of bitcoin known as “block rewards” and gets to add a number of transactions to the new block. They also earn any transaction fees attached to the transactions they add to the new block. You can use Bitcoin to send money to anyone via the Internet with no middleman. The price rose from a fraction of a cent in the spring to $0.09 by July.

More experienced traders are also likely familiar with a number of exotic pairs as well. But the BTC/USD pair is something of a mystery to currency traders, and that’s because one of the components isn’t a traditional fiat currency. BTC/USD refers to the pairing of the leading cryptocurrency Bitcoin with the U.S. dollar. It’s a very new currency pair, and one that has generated much excitement over the past decade. If you aren’t familiar with BTC/USD you should take some time to learn about it now.

Instant Buy Buy crypto with your credit or debit card in a few clicks. Alternatively, you can store your BTC in an external BTC wallet. There are hot and cold wallet solutions available in the market with different pros and cons, so you can explore the options to see which one suits you best. Circulating supply shows the number of coins or tokens that have been issued so far. Yahoo Finance’s David Hollerith reports on the news that one Texas city has decided to start mining its own bitcoin and how it’s part of a plan to attract tech talent. Bitcoin’s price is renowned for being highly volatile, but despite that, it has become the top performing asset of any class over the past decade – climbing a staggering 9,000,000% between 2010 and 2020.
https://www.beaxy.com/
Because Bitcoin is decentralized, it is not subjected to inflation or any monetary policies created by any central banks or government. Market cap is calculated by multiplying the asset”s circulating supply with its current price. Our money https://www.beaxy.com/ converter uses the average data from International Currency Rates. There are many altcoins in the market, and investors need to clear out how altcoin differs from Bitcoin and what it can offer by comparing all altcoins with Bitcoin.
The genesis of Bitcoin came during the 2008 global financial crisis, and initially, crypto was touted as the future of money, essentially as an alternative to fiat. Based on this, the major influential body that can impact the BTCUSD pair is the U.S. Federal Reserve, which has the mandate over the most powerful fiat currency, the USD. The Fed releases rate decisions 8 times a year, and these are important events for the BTCUSD price. There was a multitude of factors that created a perfect storm for BTCUSD during the year. First, in contrast to 2017 when retail money entered the crypto space, in 2020 it was big, institutional money flowing into the scene. Several big companies, such as Visa and PayPal, announced massive entry into crypto, and some major central banks, as well as hedge funds, also produced positive headlines for the crypto market. Tesla set a new trend by buying $1.5b worth of Bitcoin with its cash reserves, rather than falling foul to holding cash reserves that could bring limited returns. Cryptocurrencies are known for their immense volatility, while the US dollar is by far the most traded fiat currency globally.

Domenico Settembre 12, 2022 Crypto News no responses

The individual stocks in those sub-portfolios are then weighted based on their composite valuation. Read on as we examine seven of the best SPDR ETFs to buy and hold for at least the next few years, if not throughout your investing horizon. Of course, depending on your personal needs, you might load up on certain funds while ignoring others.

best spdr etf

But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you. If you’re ready to include SPDRs in your portfolio, here’s a comprehensive list to help you find the right ETF for your investing strategy. The holdings in these ETFs are usually updated quarterly, and the specific strategies may change over time, so be sure to research the most recent data before adding them to your portfolio.

MSCI Europe Energy 20/35 Capped

KBE is up nearly 16% year-to-date, an impressive resurgence after bank stocks languished in 2018. More good news for this SPDR ETF and rival bank funds emerged on June 28 following the completion of the Federal Reserve’s Comprehensive Capital Analysis and Review, or CCAR. ETF sponsor and has $642.6 billion in ETF assets under management.

The fund owns roughly 100 securities maturing in one to three years. Investors seeking a core holding for the fixed income portion of their portfolio might consider SPTS. The SPDR S&P 500 Fossil Fuel Reserves Free ETF strives to provide returns commensurate with the S&P 500 Fossil Fuel Free Index, which tracks S&P 500 component stocks except for companies that own fossil fuel reserves. The fund is a suitable replacement for an S&P 500 index fund in a sustainable investment portfolio. With growing awareness of social upheaval and climate change among investors, more and more people prefer to choose investments that align with their values. State Street Global Advisors addresses this demand with a lineup of sustainable investing ETFs, including broad-based funds and more focused options.

best spdr etf

If you choose a fund that charges 0.1% annually over a fund that charges 1%, you’re automatically coming out ahead by 0.9% annually. You can’t control what a fund returns, but you can control what you pay for the portfolio. Regardless of the current environment, there are a lot of strong Treasury ETFs to choose from. More than half of the nearly 50 non-TIPS Treasury ETFs available come with an expense ratio of less than 0.10%.

ETF

Those differences are some of the most important between ETFs and stocks. An individual stock usually moves around a lot more than an ETF does. That means you might make or lose more money on an individual stock than you would on an ETF. It’s unclear when or if ETFs that invest in Bitcoin or other cryptocurrencies directly will be available for purchase. It’s important to remember that cryptocurrencies are highly speculative investments and don’t produce anything for their owners. ETFs that focus on blockchain may ultimately be a safer way to profit from its future innovation.

  • Rather than tracking the performance of the S&P 500, the iShares S&P 500 Growth ETF focuses on the S&P 500 Growth Index—a sub-index that tracks the approximate half of the S&P 500 that’s primed for growth.
  • Database’s Country Exposure tool allows investors to identify equity ETFs that offer exposure to a specified country.
  • This is a low-cost way to access the performance of Australian small-cap shares through a single fund.
  • The IVW charges a higher expense ratio and returns a lower dividend yield than the other funds listed above, but it also tends to generate somewhat better returns in markets that favor a growth investingstrategy.

The Balance uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial process to learn more about how we fact-check and keep our content accurate, reliable, and trustworthy. When you sell an asset and make a profit, you may owe taxes on that profit, called a “capital gains tax.” Understanding the tax benefits of buying ETFs involves knowing what that tax is. You only pay capital gains tax when you sell the ETF, not while you own it.

So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. Our mission is to provide readers with accurate and unbiased information, elliott wave software and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate.

USE OF SERVICES BY MINORS

Real estate is known for holding up well in the face of rising inflation, even if it takes time to gather momentum when rising interest rates dampen the industry. The Schwab U.S. REIT ETF tracks the total returns of the Dow Jones Equity All REIT Capped Index. This index includes most U.S. real estate investment trusts , except mortgage and hybrid REITs. It covers approximately 85% of the global equity market outside the U.S.

Here at Best ETFs and Rask Australia, we begin by analysing the fees and ‘all in’ costs of an ETF or fund. Our team will score ETFs based on management fees, plus any other costs, then put them into quartiles by sector, strategy and across the entire ETF market. State Street has also created SPDRs based on different sectors of the S&P 500, such as SPDR Financials , SPDR Energy , and SPDR Basic Materials . Collectively, the sector funds hold the 500 stocks of the S&P 500. ETFs differ from mutual funds in that shares are traded on the exchanges like shares of stock.

The SPDR S&P Kensho New Economies Composite ETF attempts to capture the returns of companies across market sectorsthat are involved in developing and implementing new economic advances in these areas. This thematic fund tracks the S&P Kensho New Economies Composite Index, a global benchmark founded in 2018. Real estate investment trusts are a great way to get exposure to the real estate market and earn dependable cash flows. These special publicly-traded trusts must pay out 90% of their taxable income to shareholders. Rising inflation and interest rates allow property owners to raise rents and generate more income, making REITs a solid choice today.

Treasurys have yielded next to nothing for the bulk of the last 12 months. A more accurate picture of the fund’s potential moving forward comes from the 30-day SEC yield, which is a much more respectable 2.56%. This limited data suggests that since losses were curtailed during the current market decline, the fund’s strategy might be worth consideration to reduce your portfolio’s volatility.

In contrast, mutual funds are often actively managed, meaning a fund manager is investing the money, ideally to try to beat the market. Research shows that over the long term hotforex logo passive management usually wins. A currency ETF gives investors exposure to a specific currency by simply buying an ETF rather than accessing the foreign exchange markets.

Married and now living in Halifax, Nova Scotia, he’s also got an interest in equity and debt crowdfunding. GWX has 2,446 holdings and a weighted average market cap of $1.06 billion. Since its inception in April 2007, it has had an annual total return of 3.5% through Jan, 31, 2022. For example, over the past three years, its annual return is 8% through the end of January.

best spdr etf

For instance, it’s less common to be able to buy ETFs in workplace retirement plans, though this is changing some, and rarely brokerages may not offer index funds or ETFs. The S&P 500, providing great exposure to the best large-cap stocks in the U.S. Two of them – SPY and GLD, for the S&P 500 index and spot price of gold bullion, respectively – were the largest and second-largest ETFs in recent history. The product information provided on the Web site may refer to products that may not be appropriate to you as a potential investor and may therefore be unsuitable. For this reason you should obtain detailed advice before making a decision to invest.

Retirement Strategy: If The 60/40 Portfolio Is Broken, What Is The Replacement For Bonds?

ETFs are available for purchase at just the per-share price, which can be a sliver of an index fund’s minimum investment. A chief difference between ETFs and index funds is that ETFs generally have no minimums to start investing, and their share prices are fractions of the investment minimums required by many index funds. This means you can start investing in S&P 500 ETFs for just the cost of one share. Older funds have been through more economic cycles and have been stress tested by wider varieties of market conditions.

We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers. At Bankrate we strive to help you make smarter financial decisions. While we adhere to stricteditorial integrity, this post may contain references to products from our partners. Any estimates based on past performance do not a guarantee future performance, and prior to making any investment you should discuss your specific investment needs or seek advice from a qualified professional.

Sometimes called “spiders,” SPY is an ETF based on the S&P 500 Index, and each share represents an ownership interest in the 500 stocks in the S&P 500. Today, there are a number of other SPDR funds available to investors; while some track stocks based on market value, others are focused on specific market sectors. Many companies offer similar index funds, so compare the expense ratio on each to see which one offers the best deal.

But this list offers up options for just about every core portfolio objective. SPDR ETFs are a family of exchange-traded funds managed by State Street Global Advisors , a division of the venerable U.S. financial services giant State Street Corporation. ESG investors will find an S&P 500 replacement, and those looking to beat the market should consider the 24option forex review sector rotation fund and new economies equity funds. Bondscan be a challenging asset class in the best of times, and they might be even trickier to grasp under current circumstances. It’s key to remember that as interest rates increase, bond prices fall. And as old bonds mature, they’re replaced with higher-yielding issues, boosting your overall returns.

You might be surprised to find a diversified stock fund on a list of best inflation ETFs, but hear us out. Historically, the stock market tends to perform well during inflationary periods, so exposure to the global stock market can be one way to beat inflation. This inflation-fighting REIT ETF owns 134 real estate companies, including American Tower, Prologis, Crown Castle, Equinix, Public Storage and Realty Income. Consider dollar-cost averaging into this fund, as its currently high price-to-earnings ratio suggests it’s richly valued. Treasury Inflation-Protected Securities are government bonds specifically designed to protect the purchasing power of your money from inflation.

It’s hard to beat the lower price of SPLG, especially for long-term investors. The Forbes Advisor list of the best SPDR ETFs has been curated to include funds well-suited to the current investing environment. With interest rates rising and inflation at 40-year highs, our selection includes ETFs that can help you navigate challenging waters. This SPDR ETF “seeks to provide exposure to the 100 highest yielding international common stocks that have passed certain sustainability and earnings growth screens,” according to State Street.

Domenico Settembre 8, 2022 Forex Trading no responses