What is a quibble fund? It's within adjectives the financial report stories lately.?
Question:
Answer:
The term "stall fund" actually referrs to a broad variety of investment funds.
But necessarily they are "private" (not open to the standard public) funds that are not regulated by the SEC. In return for not being regulated the funds are restricted from selling and must only be available to "sophisticated" investors (which the goverment think of as RICH PEOPLE). They can be invested in any assests (stocks, bonds, currencies, private equity, option, and can go long (bet for the upside) or short (bet for the downside).
The pet name "hedge fund" comes from the certainty that historically these funds use "hedges" (risk reduction techniques) so that their returns are not dependant on the direction of the market in common. But now adays most evade funds do not "hedge" their investments at all. They typcially are hugely concentrated in a single investment type and shoot for highly high returns. The manager of these funds typcially take 2% fees for admin and then run 20% of the profits they make for the fund! That is why you will thought Warren Buffet calling these managers 2-20 associates.
www.investopedia.com helped me
Best Investment for $50,000?
Question:
I have $50.000 what is the best path to invest? Money market, cd's, etc. I don't know any piece about this.
Answer:
pinch about $20 of your 50k and buy the book "Investing for Dummies". That is the markedly first investment you should make. Read it twice. At that point you will own a basic astuteness of investing which is the very first piece you need.
You enjoy a great many answers suggesting index funds and mutual funds. I agree near those answers. The one caution that I would hold is to not put your money into fewer than 5 different funds next to 5 different investment goals. You want to maximize the probability of have a good experience next to investing. I would also recommend that one of the 5 is a money market fund or t-bills.
ETFs, REITs, Mutual Fonds and Stocks.
See my details.If you hold contacts in trend or silver.I can help you clear a lot of money.
I would invest contained by several good no-load mutual funds. You will be invested contained by several hundred companies, and can get a pretty flawless return on your money. Open an account at a discount broker resembling scottrade or schwab. They have hundreds of no nouns mutual funds to choose from.
There is an excellent book on no load mutual funds by Sheldon Jacobs available used or hot from amazon.com
A money market fund can surrender over 4% with no concrete risk while you learn what to do next to your money. You can get your money surrounded by a day or two next to no fees or hassles,
USFunds have several good moneymarket funds.
http://www.usfunds.com/main_intro.asp...
I would stay away from mining and small companies if I be you until you understand the stockmarket better.
Morningstar university have few courses you can take which will inform you powerfully about both stocks and mutual funds.
Don't bestow your hard earn money to jjinbkk. Ingore him. Pick a any america finanical company and ask them what the best way to invest near them. Read other comments about investment.
If you want to invest next to minimal effort, next you should buy an indexed s&p 500 mutual fund from vanguard, symbol VFINX.
If you want to actively manage your money, after you should open an article at Scottrade. Then, go to http://www.Top10Traders.com and see what the best investors are buying and selling - this is a free site that let you create a portfolio of stocks with $100,000 surrounded by "play" money. Each day the site ranks the best performing portfolios, so you can see how your picks complete compared to other investors. You can also read posts on investing from the best traders, as well as share your own investing philosophy. There is also a charting feature , so you can see how your portfolio perform compared to the S&P 500.
Here are this month's best traders:
http://www.top10traders.com/top10standin...
Good luck.
set up an account near www.firstrade.com
buy VTI and EFA in equal amounts.. consent to it sit forever.
this is the best advice you will attain. these are not stock picks, they are two things you can buy and you will own thounsands of companies in america and around the world. near the lowest fees possible.
currency trading is retarded.. stock picking is dumb.. ask any professor of economics... they will tell you the best entry is to buy a tiny bit of every stock in the world.. and thats what u acquire with the index funds i enjoy above..
if ur still uncertain.. win yourself a "FEE ONLY" financial advisor.
only channel to earn some profit by investing that I know, would be investing on Forex . What I do is using http://4xgenie.com service, you 'll get free 3 weeks trial, (don't forget to use MSMS555 code when signing up to get hold of free trial). The most important for me is that I finally product a profit. And not waisting a time.Good luck!
Find a good mutual fund or ETF and dollar cost average into it (each month buy 2,000$ bucks worth of shares or something).
Dollar cost averaging is supposed to support smooth out volatility in the market.
That is the safe passageway to invest in the stock souk.
try commodity future, stock next to charts
get aptistock freeware & track ur investment weekly
next to buy sell signal on it & trade accdly
Visit my blog 4 details.
Share some $ beside me
Only Russian stocks email me
Hi,
You may star your own forex or stock trading. It's really profitable and exciting business with no boss, no working hours and you could trady from any place within the world.
But as you probably know high income is related near high risk. Therefore I would reccomend you to read following books and after start your own online trading.
Market Wizards by Jack D. Schwager;
Technical Analysis by Jack D. Schwager;
Comprehensive Course on The Wave Principle by A.J. Frost and Robert Prechter;
Candlestick Charting Explained- Timeless Techniques for Trading Stocks and Futures by Gregory L. Morris;
Trading Chaos – Applying Expert Techniques to Maximize Your Profit by Bill M. Williams;
New Trading Dimensions by Bill M. Williams
Trading Chaos II by Bill Williams – Maximize Profits with Proven Technical Techniques by Justin Gregory-Williams and Bill M. Williams
If you own no time to read all these books later read and study at lieast all three books written by Bill Williams.
If you don't know where on earth to open trading side I could assist you to open it contained by one brokerage company in Austria. They allow to trade cfd on shares, commodities, metals and currencies (forex) from one and the same account; 500 instruments available.
If you stretch out trading account below my referral I provide you with short trading course and trading technique that I use for 5 years.
If you interesting then please PM or e-mail me (press on my name) and I provide you near further details
Good luck!
hello,
This may not be your best option but I enjoy a project I'm trying to launch;
http://www.endeleza.bravehost.com/index
invest in my business. we both together can spawn a fortune :)))
I would recommend putting some of than money into Prosper as a lender. Check out http://www.ProsperFiveStar.com
They have appropriate rates of return and automatic reinvestment. I'd think $2500 - $5000 would be satisfactory since the minimum investment in a single loan is $50.
choices are aplenty when it comes to investing... one such is currency trading and available contained by 24 hrs a day... near are also many systems available contained by the market to provide tips as all right but do observe their language and conditions.. take a look at http://www.prosignal-forex.com/index.php... for example. hope this help!
I am signing up for a 403b plan through my employer, constituent of the process is to pick funds and % asset?
Question:
allocation? I have asked for back in kind what this means and adjectives i got from the rep is a connect that asks me questions and tell me the type of investor I am,(moderate) ok now I know this much presently what?? I still cannot get any give support to and how do I know the types of funds, stocks, what is all this mess?
Answer:
Congratulation on your first step to retirement.
I also own a 403b plan, for the most part it is approaching a 401k plan except that the company you work for is non-profit.
First ask your rep for all the funds you can choose from. He have the list. Normally this is pretty limited and you can own as many as you want.
Basically you conceivably with lend a hand need to find what % of your money to put into:
1. Bonds
2. Fix rate
3. Stock open market
Next is find a couple of funds in respectively the match your goal.
Other things you might be interest in:
ROTH IRA - after tariff retirement investment!
See the ballpark link for figure out how much you need to store.
The plan allows you to choose what you want your contributions invested in. And it also allows you to allocate unshakable percentages to secure investments. Typically, plans will have choices range from low risk (low risk of devaluation) but low return investments like treasury securities or bonds or money bazaar funds, to high risk (high risk of devaluation) but glorious return investments like growth funds that invest surrounded by high tech, vivacity, etc. company stocks. The plan documents will usually provide information on the various investments you can choose from, plus year to date, prior 3 years, prior 5 years, etc. rates of return.
Your ruling should be based on how risk adverse you are. If you are close to retirement age, you won't want to invest contained by high risk investments, while otherwise if retirement is far off surrounded by the future, high risk investments may be the way to shift.
Talk to a broker (Charles Schwab, Scott Trade, Merrill Lynch, Price Waterhouse, etc.), or a representative from the Fund/ Family who is administering the plan to get a better indication of the risks and rewards of the multiple options.
Consider this, that while in attendance have be spikes in individual stocks, since the Depression the Dow Jones Industrial Average have gained something like 12% per year.
If it is TIAA-Cref, put a good portion surrounded by the basic annuity and the Inflation on the same wavelength bonds. Their real estate fund have got some really pious properties. These three are about 2/3rds of mine and the rest split between the regular stocks, intercontinental stocks, and bonds. Their basic stock portfolio can stink pretty unpromising at times so watch it, but the intercontinental has be fairly consistently devout for quite a while. While not doing reasonably as well immediately, there be a time that their inflation adjusted treasury bonds (TIPs) be making a really good reaturn, so be sure to look into that one. Good luck. I'm no great admirer of TIAA-Cref, but I was stuck near it. Still, there are oodles that are worse so I can't complain too feebly.
1800 us dollars.how much is surrounded by pound?
Question:
Answer:
Just divide by two. About lb900
lb900..
Aprox lb950
lb919.023793
about lb916
When will Hertz Global Holdings release it's 4th quarter proceeds report?
Question:
I am new to the stock bazaar and am planing to sell the stock that i bought during the recent IPO. I consider the 4th quarter report will be favorable but don'w know how to find out when they will release the info.
Answer:
They have not announced the earn release date yet.
It will probably be within late January 2007. In the suggest time, see http://ibooyah.com for other investment matters.
how do annuitites affect tvm problems and investment outcomes?
Question:
Answer:
"tvm" problems?
As for annuities, the "time" problem is often handle in on the spot annuities by selecting a "time certain" substitute. If you are worried that you will not live long enough to fully benefit from what you put contained by, you select a "time certain" such as 5 or 10 years. In that way, if you live just 3 years after retirement, SOMEBODY gets the other 2 or 7 years, or doesn`t matter what the period--a spouse, a child, a charity, etc. These are set to insure at least the return of your money. In that means of access, your investment outcome at least breaks even.
Follow up investment examine...If we are taking almost $58 a week gross for income, how much will it be?
Question:
when we get the paycheck, how much of a difference is at hand? It won't be the $58 because it's pre-tax, Thanks!
Answer:
Hard to catch you beside answer from prior q with no e-mail allowed. If your husband is taking Married - 2 deduction the fed charge would go down by nearly 16.60 so change is around 41.40. Can't be sure unless know exactly but in attendance is a ballpark. depends on state where you live what happen with state excise. vegas_iwish@yahoo.com
Can not answer that question lacking knowing the other income you might be gettin. If $58 a week were your individual income, God forbid, there would be no taxes taken out at adjectives because your gross income would fall below the taxable threshold.
Stock investing?
Question:
Me and a friend want to start a small trading company. We want to invest 50 dollars of our money (per person) into a stock from Radio shack, Target, Walmart, or Burger king. How do we directly invest a stock into one of those companies.
Answer:
You need to 1st interested an online account. i use www.Ameritrade.com. it cost $13 to buy a stock and $13 to put on the market a stock so if you only hold say... $100, you will be spending 13% a moment ago to buy it. I would wait until you have more money. You have to be 18 to plain an online account. If your not 18, you could ask your parents to invest it for you. There are some cheaper online trading companies (try scottrade.com) I reason that might only be 9 for a buy and 9 to deal in. Good luck. You can never invest too early.
start an account at an online brokerage such as e-trade, TD Ameritrade, Scott trade.. etc.
Open the narrative, transfer contained by your money, and buy the stock. Honestly, 100 dollars isn't worth it. Those places charge you 8-12 dollars per trade and usually have an "inactivity" charge if you don't trade regularly. There will also be small monthly or annual fees.. your 100 dollars will be eaten up contained by no time.
Why did you choose these companies? There are stronger stocks that you could have picked if you are looking to build money.
Also keep within mind that you can't buy some portion of a share.. If the stock price is 53 dollars per share and you and your friend only hold 100 dollars. you can't buy 1.75 shares of stock.. you can only buy stock within whole number increments.. so to buy two shares of stock explicitly worth 53 per share you need not single 106 dollars but also the 8-12 dollar trade fee.
Dude, he is a simple step by step towards becoming financial guru.
hile this subject may give the impression of being trivial to most experienced investors, I often hear citizens asking what they need to do within order to start trading stocks. If you are latest to the stock market or are a short time ago wondering how to get started, here is what you will requirement to do:
1. The first thing you involve is a brokerage account. Brokerage depiction comes in two forms, a full service or discount brokerage. The full service brokerage will charge you more for their services. These significant brokerages are companies such as Citigroup/Smith Barney and Merrill Lynch of the world. Again, the full service brokerage provides more services so they will charge you more.
http://ibooyah.com/blog-mt/mt-search.fcg...
You contact the company directly and see if they are a company that has a "direct stock purchase plan". If they do afterwards you can buy directly from them without a broker. I occur to know "walmart is definitely one of those companies...
Search "direct stock purchase plans" here on the net for more company names such as: FORD, XCEL ENERGY, LOCKHEED MARTIN, MDU, TEXAS UTILITIES, HEINZ, DUKE ENERGY, and so on
Happy investing! Damn its fun making money at this!!
: )
You can turn to www.betterinvesting.org to figure out how to start an investing club and invest together. You can travel to www.dripinvestor.com or www.moneypaper.com to find stocks where you can buy merely one share and then buy the rest in need commission directly from the company.
If you like those stocks, you should check out Exxon, too. You own to put in $250 to start, but they really seem to be to do well as a company.
i am presently organized to move my disc into another ridge or institution incentive my current dune give me a lower rates comp
Question:
compared to the ones that i've seen here contained by the internet and since they don't have an organization here in seattle, i'm sensitive of scared to do the verbs here online...is it really safe to move funds here online? i don't want to lose my money since i really worked easier said than done on it..how safe it is to do the transferring online?
Answer:
It depends on what institution you are thinking of going to. Many online bank now proposition very competitive money bazaar savings over 5%. The funds are soft and account setup is a snap.
I would reccomend Citibank.com because I enjoy worked with HSBC, ING, etc and I found that the online bank piece with Citibank.com made it deeply easy to verbs my funds from another institution. Remember, Citibank.com was designed as a mound first and their online banking be created to support true banking desires. And security and sanctuary is their number one priority.
Other lenders with online bank, eg HSBC, Emigrant and ING created their online banks to support their hoard programs.
I have transfered very well over $50,000 between accounts into my Citibank 5% E-Savings account. They made me dance through a 3 step process move fund out of my old rationalization and into my Citibank account.
No fees, no hassle, no worries.
if it's a reputable bank later i'm sure it's safe.
a moment ago always build sure the site your'e on starts with https://
that s stands for protected
and the info you put in is encrypted so it can't be intercepted
unless you enter it on a wireless see and someone has a sniffer near
wireless isn't so secure
don't ever enter acct. #'s on a wireless nouns
As long as you're using an FDIC-insured bank, yoiu should be fine. Here's a relation to use to monitor the best rates on FDIC-insured CDs:
http://www.bankrate.com/#
Click on CD (Certificate) Rates. It's amazingly helpful.
Best wishes.
Investment Contest... I inevitability give support to to be the classic investor contained by my household.?
Question:
Okay, so my family is have this big competition where we respectively start with 2000 dollars and invest it to see who can gain the most money surrounded by a year. I have no notion what I am doing. Any advice? P.S. I really want to belt my sister.
Answer:
Here are a few suggestions:
http://financialbasics.blogspot.com/2006...
Good luck!
DOnt worry you will hammer her ... shell go shopping next to it :) ... ok here is a safe conception ... put it in a large yield abiding account beside a well particular investment bank. If you wana work next to stocks .. or currency exchange .. it is far more risky .. and usually the first time you try the market .. you wont make out it .. so the odds of making mnoney next to 2000$ from teh first shot is more likely a 1:10 ratio . :) obedient luck.
There is a dirty little secret that most financial professionals won't describe you.
Most asset managers won't be capable of beat the main indicies over the long haul. At best they will mirror an index resembling the S&P 500. At worst they will badly underperform it. Some might do better than the index for a short term of time, but inevitably they will dip back down again.
I suggest putting everything into an index fund that mirrors the S&P 500 and in recent times leaving it at hand. Then laugh at your sister at the running out of the year when you are earning 15% on your investment and hold never lifted a finger while she have traded many times, respectively time paying fees on her transactions and losing money.
A big question. Is this $2000 play money or $2000 concrete money?
One big problem is that every time you trade, you are paying brokerage commissions if you are using real money. The minimum is something like $7.00 per transaction. There is also this to consider. In one years time one of your family member could luck out and hit a real smash. It happens pretty frequently. For example your sister could buy $2000 worth of BEBE and the stock might very all right double by the end of subsequent year. I use that example because it is a women's clothing store, and it just might corner her fancy.
Now there are a couple of different strategies you could use. One is the contrarian strategy. That is you invest within a stock that has done greatly poorly during the last 3 years next to the idea that it is overdue for a ambush up. Almost all full-size cap U S stocks go down into that category. DELL, INTC, MSFT, HD, GE.
Another strategy is to go beside current winners. These are stocks that during olden times 3 years have outperformed. The hypothesis here is that a trend in motion tend to stay in motion. Here are a couple of examples. CHN, SAY, IIF, CHL. They are adjectives foreign securities of either China or India.
Another strategy is to move about with a stock that might be on the threshold of a breakthrough. MEDX is a possibility. An extremely speculative possibility is LQMT.
I will markedly beat everyone within your family, if you acquire your investing ideas from the best investors. You can see what the best investors are buying and selling at http://www.top10traders.com - this is a free site that let you create a portfolio of stocks with $100,000 contained by "play" money. Each day the site ranks the best performing portfolios, so you can see how your picks make compared to other investors. You can also read posts on investing from the best traders, as well as share your own investing design. There is also a charting feature , so you can see how your portfolio perform compared to the S&P 500.
Here are this month's best traders:
http://www.top10traders.com/top10standin...
Good luck.
Are you from the US. i have an conception. if you are ready to invest and work sector time we both together can make a fortune:)))
choices are aplenty when it comes to investing... one such is currency trading and available within 24 hrs a day... near are also many systems available surrounded by the market to provide tips as all right but do observe their language and conditions.. take a look at http://www.prosignal-forex.com/index.php... for example. hope this help!
what is constant annual percent?
Question:
Answer:
need a context to answer this properly
for example, if "sale grew at a constant annual percent rate of 3%", this would be 3% per year. year one is $10K, year 2 is $10.3K, year 3 is $10.6K, year 4 is $10.9K, etc
If project 1 have an npv of 3 million dollars and is particularly risky..?
Question:
and project 2 has an npv of 2.5 million as is extremely
safe. Which project would be recommended and explain why?
Answer:
The answer depends on the ammount of risk the investor is prepared to accept.
The smooth of risk is determined by the standard deviation of the ammount to receive: by how much the ammount received will change. Risky = 3 million + or - 2million(ex)
Ex: If you are told to receive 3 million surrounded by a risky environment you might onlyreceive 1 million due to the riskiness, and the 3 million is not that worth it.
But if you receive 2.5 million in a terrifically safe enviromnent you're pretty sure to receive it. since the standard deviation should be small...
I would chose project 2 since the difference within NPV is not that big and you have more likelihood of getting 2.5 than 3 mill.
What is NPV?
I relate this to common stock of "Non Par Value" implication the stock share doesn't have a redeemable price attached to it.
If this is the intent of NPV, it means zilch, and you have 2 projects, one worth 500,000 more than the other.
But nil to indicate if either is worthwhile. I can't see anyway of evaluating your examine.
oinline brokerage site??
Question:
I want to start trading stocks and bonds at the beginner horizontal. Does anyone know of a good brokerage site that i can start next to that is glib to use and has a well-mannered reputation??
Answer:
I have be using Scottrade for more than 5 years, and they are very inexpensive when trading stocks online, individual $7/trade, as was previously stated. You can plain an account beside about $500, and here are no maintenance fees at adjectives. They offer IRA's and Rollover IRA's too. The cost of trading mutual funds vary- some companies reward Scottrade a fee, so when you purchase (or sell) them, near is no additional transaction payment. For the ones who do not compensate Scottrade, you pay $17 per buy/sell. These charges are above and fees that the mutual fund charges if it is a "load" fund, such as American Funds. Vanguard, for example is no-load, so $1000 invested go fully into your purchase. But Vanguard does not compensate Scottrade, so the purchase will total $1017. Scottrade also has some appropriate features, including a "cost basis" calculator, called Gainskeeper. It's a TRUE benefit at tax time because you must know your cost font when you declare your assets gains or losses. The tool is free. Their customer service is biddable, although Fidelity's is better.
http://www.schwab.com
Scottrade.com is very polite for a beginner. Trades are solely $7 and you don't get any pressure to use the site. There are also no fees for no usage. Highly recommend.
I use Scottrade. They own one of the lowest minimum investments and per trade costs of the on-line brokerages. Their site is easy to navigate as very well. Remember, the stock market is a short time ago another form of gambling. Good luck!
I would suggest you to check for online discount stock broker they charge smaller number fee. check the website below to swot up more on shares and stock trading and how to select the best stocks.
http://money-review-site.com/shares.html...
Hope it helps
I've have good luck near Schwab. The costs per trade are very competitive surrounded by the business so there is not greatly of point in trying to shave pennies here and near. Schwab doesn't make mistakes and every single party I have ever talk to, 24 hours a day, know all the answers to any sound out I have ever given. No "consent to me transfer you" or "specifically in another department". They are that okay trained. By the way, are you merely going to walk contained by and sit in the pilots form and take bad? Get a bunch of books and start your education. My favorite is Elder's "Come into My Trading Room". Something of a classic. Read it cover to cover back you put a nickle down.
And, no, Chuck, stocks are not just "another form of gambling".
How much do you want to revise and invest on your own. The more you want to read and learn the ins and outs of the investing business I would read aloud go beside etrade. I liked them alot. If you similar to a more holding hand approach yuo might want to budge with a full service brokarage near an internet presence. like Edward Jones. If you run out on your own be prepared to loose money on your first two years. because you will find you sell when you should hold kepted and you hold when you should have sold. i studious that when I bought stock at a full service broker. I bought the same stock of late paid so much more per share to do like thing. But that be because i was not listen to his advise. I considered necessary to invest on my own.
If I want to bring up the price of a stock contained by my company, can I only announce that it is gonna be priced highe
Question:
r, or do I need to bring permission from the state regulators or do I have need of to create a scarcity by buying shares rotten the market so that the vendor has to charge a better price after that and that drives up the price? As I understand it, the purveyor has to charge 1/8 of a point for respectively bundle of stocks that is purchased above the stock availability ceiling.
Answer:
What you stated within your second sentence is how most companies try to boost their price per share. If a company witnesses that their share price is undervalued, they will buy fund an amount that would drive up the bid/ask prices. Since they are decreasing the supply (the stock they buy back become treasury), the price of the remaining stock goes up. However, this is a double margin sword because you are also reducing the number of shares available to the public. You are not only using your own currency to buy back the stock, but you are reducing your fitness to acquire new currency from selling a greater number of shares.
You could get your books surrounded by order, own your company valuated, and offer a second block of stocks at a price an investment sandbank determines. If you show promising growth, the value of the second offering could back the existing share price increase as well.
If it sounds too graceful, and you would make money past its sell-by date of it - then it's probably not permitted.
no, if you work for the company, any information that you leak to affect the price of the stock is considered "insider trading" and is significantly illeagal
That person advocate a second stock issuing is the first person I've ever see say that increasing supply will bring UP a stock price. A second stock issuing isn't ever going to increase the advantage of existing shares. It's called dilution and shareholders as a rule are against dilution.
If you want to increase your share price, you can other do a reverse split. This is a common tactic for companies trying to bring back listed on an exchange. Or if you want to increase the attraction either rearrange the company or buy back shares, reducing the supply.
In recent years, in attendance are have be some new law enacted to protect shareholders. So anything you do next to the sole purpose of increasing the price of your company's stock has to be done really carefully.
Companies issue press releases adjectives the time, to announce new business they own won, or some new breakthrough contained by technology they have developed. They do this surrounded by part so that the price of their stock go up and shareholders are happy, and also because nouns attracts more success.
I don't come up with you can issue a press release simply to say "Buy my stock, it will jump up". That will appear to be a promise to some people, and if they lose money they will sue you.
What you should be doing is focusing on your business. Focusing on increasing your sale and cutting expenses. When you enjoy something good to announce, dance ahead and issue a press release. But focusing on share price alone will not help surrounded by the medium to long occupancy, and in certainty will hurt the long-term success of your comany.
Tax Certificates?
Question:
Are they a good investment? Any assist would be great.
Answer:
If by tax certificate, you mean levy lien certificates, they're not too desperate.
You just entail to do your research on the properties you're buying tax certificate on, so that if you do get "lucky" and foreclose on one of the properties that doesn't reimburse their taxes, that you don't get some swamp ground or some land w/o any access rights, etc.
There are several courses out at hand to learn give or take a few it (search "tax lien" surrounded by ebay or G00GLE or yahoo search for example). Most are not too expensive. And what's nice is that you can acquire these certificates of late about anywhere!
Hope that help!