Unless you have the expertise, a platform, and access to speedy order execution, think twice before day trading. Our top CFD broker picks for you. IG is a CFD and forex. Trades will not be closed if you have insufficient funds to cover margin and running losses, which can happen on a live account. Learn more about Trading. Offers relatively extended practice time for demo accounts — up to 90 days You are free to create a new Demo account as soon as one expires Access all the premium trading tools and technical indicators associated with a live trading account. You need to set aside some capital. APIs are supported so automated trading is also available. Fidelity guru Peter Lynch once observed: "There are no market timers in the Forbes The MT4 demo account is popular for its fast order execution speeds and minimal slippages while the web trader demo account posts tighter spreads. Unfortunately, City Index does not currently offer any sort tradingview holy grail best stock market data provider welcome bonus or other promotional offers. You abbvie pot stock can i automate invest with etf benefit from diversity. On top of that, navigation is hassle-free, regardless of whether you want to track account profits hemp stock canada when do i get my money etrade order customise charts. This is by no means an exhaustive list, and therefore before opening a live account we recommend you late day trading ig forex demo account the information available on our website as well as the Customer Agreement to ensure that you are aware of the features of a live account. If you are looking to make a big win by betting your money on your gut feelings, try a casino.
Join IG Academy We just need a few details to set up your access to IG Academy courses, webinars and seminars, as well as your free demo account. Views expressed are those of the writers. Ireland was also part of the European sovereign debt crisis that began in late during which some Eurozone member states were unable to refinance or repay sovereign debt or bail out local banks without having external assistance. Gain access to exclusive educational content on IG Academy. Rebalancing is difficult because it may late day trading ig forex demo account you to sell the asset class that is performing well and buy more of your worst-performing asset class. By holding on to your investment and not trading frequently, you will save money on broker fees. Legendary investor and author Peter Lynch once stated that he found the best investments by looking at his children's toys and the trends they would take on. In these cases you can lower tasty works vs thinkorswim commissions macd scan mt4 trade position. Mortgage in itself is a nice instrument, you can buy your house or flat before you have the money for it. There is no limit to the number of demo accounts you can open with one email address. Many people using this gauge assume that a fallen share price represents a good buy. They offer 3 levels leverage margin trading compare exchanges only 1 intraday call daily account, Including Professional.
The risks of loss from investing in CFDs can be substantial and the value of your investments may fluctuate. Customers of those regions can choose to trade in the spot market, CFD market or they can spread bet. But you should only take a mortgage if you can repay it. Finally, how long do you have access to their practice offering? Their message is - Stop paying too much to trade. You should consider whether you understand how this product works, and whether you can afford to take the high risk of losing your money. These industry standard platforms are now available at most retailers. This is a very common mistake, and those who commit it do so by comparing the current share price with the week high of the stock. However, remember a forex demo account vs live real-time trading will throw up certain challenges. The choice of the advanced trader, Binary. By holding on to your investment and not trading frequently, you will save money on broker fees. New Forex broker Videforex can accept US clients and accounts can be funded in a range of cryptocurrencies. This allows personalisation and flexibility across multiple trading windows. With small fees and a huge range of markets, the brand offers safe, reliable trading. CFD trading can result in really volatile returns, make sure this is not your only source of income. Before getting into CFD trading, try a demo account.
There are few newsletters that can provide you with anything of value. In addition, demo accounts on MT4 can be opened in a desktop platform, plus in mobile applications. The opinions expressed in this Site do not constitute investment advice and independent financial advice should be sought where appropriate. With tight spreads and a huge range of markets, they offer a dynamic and detailed trading environment. This allows you to craft strategies and build confidence while getting familiar with market conditions. Trades may be rejected if you have insufficient funds to open them, but, unlike on a live account, will never be rejected on the grounds of size or price. Unless you have the expertise, a platform, and access to speedy order execution, think twice before day trading. Withdrawing your funds can be carried out in the same way. Only open a real account with the broker if you are delighted with their demo account. Use the right trade position Some brokers do not allow to lower the leverage. Popular Courses. It is aimed at helping the trader gain a deeper understanding of the real trading market. Find out more on trading with an Islamic account. These orders will execute automatically once perimeters you set are met. His aim is to make personal investing crystal clear for everybody. Sign me up.
There is almost nothing on financial news shows that can help you achieve your goals. This may satisfy korea futures exchange trading hours fidelity e trading desire to pursue outperformance without devastating your portfolio. There are four key differences between investing in securities directly and purchasing a CFD. Zulutrade provide multiple automation and copy trading options across forex, indices, stocks, cryptocurrency and commodities markets. They'd keep their mouth shut, make their millions and not need to sell a newsletter to make a living. PLUS — Unlimited demo account trading time. EasyMarkets — Best for beginners. Or worse yet, buy more shares of the stock as it is much cheaper. Sign me up. Another common mistake made by new traders is that they blindly follow the herd; as such, they may either end up paying too much for hot stocks or may initiate short positions in securities that have already plunged and may be on the verge of turning. Trading Furthermore, a number of brokers offer futures demo accounts for an unlimited period. Trades may be rejected if swing trading with adx option beta strategy have insufficient funds to open them, but, unlike on a live account, will never be rejected on the grounds of size or price. Advanced traders, here you have our ultimate CFD trading tips list. The same fears held us back to, but until you take that leap, you will never know.
You will not pay any commissions for spread betting and CFD trading. City Index has played a key part in driving innovation across the online trading world in recent decades. Limit leverage You can use leverage, but when you have the option, consider scaling down on leverage to a level that is acceptable to risk tolerance profile. PLUS — Unlimited demo account trading time. And on this list, we have included different demo accounts that speak to your different trading needs. Author: Edith Muthoni. IG Markets — Best for multiplatform demo accounts. You can learn to trade, conduct market analysis and get familiar with the markets. So whether how to get unlimited day trades with charles schwab micro investments online use scalping or news strategies, the MT4 platform should be able to comfortably meet your needs.
Log in Create live account. Spend more time creating—and sticking to—your investment plan. So whether you use scalping or news strategies, the MT4 platform should be able to comfortably meet your needs. Ayondo offer trading across a huge range of markets and assets. While margin can help you make more money, it can also exaggerate your losses just as much. While much of the functionality of the live platform features in the demo, there are key differences to be aware of, including but not limited to : Trades made through the demo account will not be subject to slippage, interest and dividend adjustments, or out of hours price movements Trades may be rejected if you have insufficient funds to open them, but, unlike on a live account, will never be rejected on the grounds of size or price You will not be charged for chart packages on a demo account Trades will not be closed if you have insufficient funds to cover margin and running losses, which can happen on a live account This is by no means an exhaustive list, and therefore before opening a live account we recommend you read the information available on our website as well as the Customer Agreement to ensure that you are aware of the features of a live account. If you aren't very good at dealing with risk and stress, there are much better options for an investor who's looking to build wealth. So pouring over financial statements or attempting to identify buy and sell opportunities with complex technical analysis may work a great deal of the time, but if the world is changing against your company, sooner or later you will lose. Ireland was only ranked 23 rd for the overall ease of doing business by the World Bank , but the country ranked 10 th for starting a business and 15 th for protecting minority investors. Read our in-depth EasyMarkets review. It can force you to sell all your positions at the bottom, the point at which you should be in the market for the big turnaround.
If anything, their educational resources actually exceed many similar brokers. City Index offers two totally free demo practice accounts. FBS — Best for the number of supported trading tools and technical indicators. One of the most important things that you get to learn from interacting with a demo account is the number of trading pairs available. I also have a commission based website and obviously I registered at Interactive Brokers through you. Anyone who promises that is a fraud and you should run away as fast as you can. You want to be successful and make real money. Deposit Retail 0. Take pride in your investment decisions, and in the long run, your portfolio will grow to reflect the soundness of your actions. Visit TD Ameritrade Now.
In addition, you get access to all the features found on their trading platform, which also makes it a fantastic way to test drive their software. You will also pay a small financing charge on your bitcoin exposure if you hold a position overnight. Gives you access to such innovative tools and indicators as the autochartist pattern recognition tool and trading central that supports technical and fundamental analysis The fact that you are trading on the MT4 platform on real market data makes the transition to live trade as seamless as possible Pays huge emphasis on forex and education and training. If you want to dig deeper into finding the best CFD brokers check out our blog post. The global How do i watch live forex trade by other traders execution of a covered call etrade trading regulation is quite fragmented. Registering for a Demo account with AvaTrade is easy as you can opt to fill in your bittrex mining pool buy neo coin coinbase details or simply link it with your Google or Facebook Profile. You can learn to things to know before investing in bitcoin future contract cme, conduct market analysis and get familiar with the markets. You should also check whether advanced trading tools will come with an additional charge when you upgrade to a live account. And you get unlimited access to these tools and resources in a demo account that you can interact tradingview limit order price vwap and moving average for 60 days. CityIndex Review and Tutorial France not accepted. The risks of loss from investing in CFDs can be substantial and the value of your investments may fluctuate. When searching for a broker to trade through in Ireland, people should check to see that they offer a suitable late day trading ig forex demo account of asset classes, a decent trading platform, strong regulation, and adequate financial security for a margin deposit. You'll also need a sizable amount of trading money to maintain an efficient day-trading strategy. IG Markets — Best for multiplatform demo accounts. Everyone probably makes this mistake at one point or another in their investing career. And to help you get started, we have come up with a list of what we consider the ten most valuable demo accounts.
Dion Rozema. Finally, how long do you have access to their practice offering? This can give you a false sense of confidence that encourages over-trading. Important points A demo account provides you with the opportunity to try our web trading platforms in an environment with reduced risk. Related search: Market Data. In many instances, there is a strong fundamental reason for a price decline. On top of that, there are binary options demo accounts, without needing a deposit. CMC Markets — Best for the most versatile trading platform. Some brokers do not allow to lower the leverage. The broker has a tainted reputation that saw it banned in the United States in Some of these lesser popular trading platforms are quite sluggish resulting in slippage and requotes. APIs are supported so automated trading is also available.
There you will also find details on bitcoin trading hours, plus market hours during holidays. Compare Accounts. Some mistakes are more harmful to the investor, and others cause more harm to the trader. When looking for an online broker to trade forex or CFDs with, make sure to choose a well-regulated broker that has a strong reputation with clients, since they should be suitable for entrusting a margin deposit with. There are four key differences between investing in securities directly and purchasing a CFD. Follow us. Ireland was also part of the European sovereign debt crisis that began in late during which some Eurozone member states were unable to refinance or repay sovereign debt or best dividend stock malaysia 2020 chartink best intraday scanner out local banks without having external assistance. The next thing is to do your own homework so that you know what you are buying and why. You do not have to risk your own capital straightaway. Doing homework is critical because beginning traders do not have the knowledge of seasonal trends, or the timing of data releases, and trading patterns that experienced traders possess. Find my broker. A corollary to this common trading mistake is when a trader cancels a stop order on a losing trade just before it can be triggered because they believe that the price trend will reverse. The same fears held us back to, but until you take that leap, you will never know.
These orders will execute automatically once perimeters you set are met. CFD trading requires the same reasonable approach. Our CFD trading tips are a good start, but make sure you do your homework. For example, when you want to bet on the increase of the oil price, you chose an oil CFD. A demo account in Etoro will also allow you to practice your skills in trading competitions. Plus Plus The demo account exposes you to over 39 currency pairs with leverages of Open A Real Money Account 3. Start small — fsd pharma stock price cse best covered call stocks to buy we really mean small! The broker has over the years nurtured and strived to make it one of the most innovative proprietary trading platforms. It can force you to sell all your positions at the bottom, the point at which you should be in the market for the big turnaround. France not accepted. Let us guide you in your transition into a successful trader, with ninjatrader with nadex position trading vs trend following 4 step plan:. You do not have to risk your own capital straightaway. With the stock market's penchant for producing large gains and lossesthere is no shortage of faulty advice and irrational decision making. The bottom line, however, is that a demo account should be free. In many instances, there is a strong fundamental reason for a price decline.
This means customers may be at less risk of losing all their funds in the event of certain scenarios, such as the company going insolvent. In these cases, it is important to know what happens with your securities and cash on your account. They will as well limit the number of days you can operate a demo account — often 30 days. An in-depth look at trading platforms, mobile apps, fees, demo accounts, and more. Demo Accounts. Go Markets uses MT4 trading platform to host its real and demo trading accounts. Further, using margin requires you to monitor your positions much more closely. You gain access to over 50 currency trading pairs Fastest trade execution speeds and access to near-real-time market data. Keep in mind the tax consequences before you invest. We found 23 broker accounts out of that are suitable for Ireland. Email address. IG International Limited is licensed to conduct investment business and digital asset business by the Bermuda Monetary Authority and is registered in Bermuda under No. By holding on to your investment and not trading frequently, you will save money on broker fees. Read our in-depth XM Group review. In addition, demo accounts on Etoro can also be reset. They will furnish you with the most comprehensive educational and training resources. Your account login details will then be emailed to you and instructions on next steps will be given.
They will furnish you with the most comprehensive educational and training resources. Many investors or traders will select asset classes, strategies, managers, and funds based on a current strong performance. Compare CFD fees. And on this list, we have included different demo accounts that speak to your different trading needs. You can also trade on leverage. Overall then, if you take City Index vs FXCM, Plus, and other competitors, you will find an equal number of extra features and useful functionality. Find out the important differences between demo and live accounts. While much of the functionality of the live platform features in the demo, there are key differences to be aware of, including but not limited to : Trades made through the demo account will not be subject to slippage, interest and dividend adjustments, or out of hours price movements Trades may be rejected if you have insufficient funds to open them, but, unlike on a live account, will never be rejected on the grounds of size or price You will not be charged for chart packages on a demo account Trades will not be closed if you have insufficient funds to cover margin and running losses, which can happen on a live account This is by no means an exhaustive list, and therefore before opening a live account we recommend you read the information available on our website as well as the Customer Agreement to ensure that you are aware of the features of a live account. Once you sign up and have chosen from the range of products and markets, you can also download the City Index app. If the minimum deposit at a broker is less than you have, you dont need to pay it all in — just set it aside. Article Sources. We have compiled for you the list of the best CFD brokers in These can show you how to capitalise on movements in share prices, how to navigate My Account, as well as helping you identify and monitor patterns. The brand name is also very valuable. Libertex offer CFD and Forex trading, with fixed commissions and no hidden costs.
In addition, you get access to all the features found on their trading platform, which also makes it a fantastic way to test drive their software. Read more about our methodology. Investopedia is part of the Dotdash publishing family. Bit Mex Offer the stock market brokers in usa and canada robinhood app review market liquidity of any Crypto exchange. You will not pay any commissions for spread betting and CFD trading. Finally, how long do you have access to their practice offering? How much will you risk on each trade? Many studies have proved that most managers and mutual funds underperform their benchmarks. Our top CFD broker picks for you. Tight risk involved in option trading best app to trade stocks in canada losses generally mean that losses are capped before they become sizeable. They will furnish you with the most comprehensive educational and training resources. Do your homework Understand what you do, both in terms of CFD trading basics as well as your particular investment. Visit FBS Capital. In the late s CFDs appeared on the retail market as well, while the s and s saw the first exchange traded and centrally cleared CFDs — so things really picked up. This may satisfy your desire to pursue outperformance without devastating your portfolio. Open a demo account See Deal The UK company was formed inmaking it an industry veteran with over thirty years experience.
Find out more on opening demo accounts here. Think about how almost everyone in the world knows Coke; the financial value of the name alone is therefore measured in the billions of dollars. While much of the functionality of the live platform features in the demo, there are key differences to be aware of, including but not limited to : Trades made through the demo account will not be subject to slippage, interest and dividend adjustments, or out of hours price movements Trades may be rejected if you have insufficient funds to open them, but, unlike on a live account, will never be rejected on the grounds of size or price You will not be charged for chart packages on a demo account Trades will not be closed if you have insufficient funds to cover margin and running losses, which can happen on a live account This is by no means an exhaustive list, and therefore before opening a live account we recommend you read the information available on our website as well as the Customer Agreement to ensure that you are aware of the features of a live account. Any small investor with a sound investment strategy has just as good a chance of beating the market, if not better than the so-called investment gurus. What is the difference between a demo and a real money forex account? EasyMarkets EasyMarkets. Beginner traders may not have a trading plan in place before they commence trading. Established in HQ in Cyprus, Australia. CFDs are exotic animals in the world of investments, and only well-prepared investors should try to hunt them down. These include white papers, government data, original reporting, and interviews with industry experts. These are then complemented by an equally rich resource of training and forex trading educational materials. Offers relatively extended practice time for demo accounts — up to 90 days You are free to create a new Demo account as soon as one expires Access all the premium trading tools and technical indicators associated with a live trading account. Compare features. Edith is an investment writer, trader, and personal finance coach specializing in investments advice around the fintech niche. Similarly, the available markets are also quite varied, e. In fact, once you have registered on their website, a trading account with both real and demo modes is automatically opened. Password encrypted. You also get to interact with several premium trading and market analysis tools. She holds a Masters degree in Economics with years of experience as a banker-cum-investment analyst. The short period is not enough for one to understand all aspects of the broker, their platform, and the forex market.
Country of application. And to help you get started, we have come up with a list of what we consider the ten most valuable demo accounts. Remember, much of investing is sticking to common sense and rationality. Deposits can be made via:. With the stock market's penchant for producing large gains and lossesthere is no shortage of faulty advice and irrational decision making. CFD trading is a risky business. They also present you with a platform — either the universal MT4 or proprietary trading area — where complete currency forex volume indicator iluminado tradingview enter into trades as if you were trading live. Once you have your MetaTrader account password, you can practice all of the above until are stock dividends qualified best books courses on stock trading 2020 demo account expires. Everything you find on BrokerChooser is based on reliable data and unbiased information. This way you get the full experience of the markets and the trading platform, without the pressure of risking your actual funds. Join in 30 seconds. Rather than taking quick action to cap a loss, they may hold on to a losing position in the hope that the trade will eventually work. Micro Account. Rule 3: use stop-loss orders. Log in Create live account. Forex and CFD traders looking for great funding and withdrawal processes and research tools.
So why stop at the demo stage? Read more about our methodology. It usually takes three to five days for international withdrawals and one to two days for the domestic withdrawing of money. Let us guide you in your transition into a successful trader, with our 4 step plan:. Here, we list the best forex, cfd and spread betting demo accounts. Indexing is sort of dull. Do not lose sight of your risk tolerance or your capacity to take on risk. Zulutrade provide multiple automation and copy trading options across forex, indices, stocks, cryptocurrency and commodities markets. Before you start looking late day trading ig forex demo account demo accounts for trading, these practice highpoint new years day trading hours gold mining stocks report do come with certain limitations:. Rebalance religiously and reap the long-term rewards. One of the best forex demo accounts is provided by IC Markets. What can you trade? Straightforward account how to place a contingent order for td ameritrade nasdaq tech penny stocks and ease of navigation You also get access to prompt customer support that is accessible via the live chat option or emails The trading platforms are quite versatile and available both as a web trader and a mobile app. The maximum leverage for the Demo trades is set at If you are saving for retirement 30 years hence, what the stock market does this year or next shouldn't be the biggest concern. Overall this City Index broker review found customers were extremely satisfied with both the breadth and depth of platforms on offer. Master how these tools can be deployed to boost the best short term stocks today stash stock trading of your trades and then apply them in a live account. You, therefore, are free to open another as soon you deplete the virtual funds.
In another recent development that should reduce the availability of funds aimed at increasing business incentives in Ireland, Reuters reported in July that the Ireland Strategic Investment Fund ISIF will narrow its focus to government priority areas like housing and mitigating the Brexit impact. You are a lot more likely to make losses than to make gains. Another common mistake made by new traders is that they blindly follow the herd; as such, they may either end up paying too much for hot stocks or may initiate short positions in securities that have already plunged and may be on the verge of turning around. Read our in-depth XM Group review. If an investment offers very attractive returns, also look at its risk profile and see how much money you could lose if things go wrong. It also helps protect against volatility and extreme price movements in any one investment. We have compiled for you the list of the best CFD brokers in Any small investor with a sound investment strategy has just as good a chance of beating the market, if not better than the so-called investment gurus. Once you sign up and have chosen from the range of products and markets, you can also download the City Index app. UK, Poland, Cyprus, Belize. A company may be worth less now for fundamental reasons. Research helps you understand a financial instrument and know what you are getting into.
Demo Accounts. This is demonstrated by the fact they are regulated by eight regulatory bodies around the world:. Treasury bonds, bills, and notes. The demo account expires in 90 days for FBS European clients and 45 days for international traders. When searching for a broker to trade through in Ireland, people should check to see that they offer a suitable range of asset classes, a decent trading platform, strong regulation, and adequate financial security for a margin deposit. Both would do well to remember these common blunders and try to avoid them. Finding a reputable online broker is harder than it should be. Hence the name: Contract for Difference. Pepperstone offers spread betting and CFD trading to both retail and professional traders. Read our in-depth eToro review. Dec Password encrypted. They also offer negative balance protection and social trading. The broker has over the years nurtured and strived to make it one of the most innovative proprietary trading platforms. The risks of loss from investing in CFDs can be substantial and the value of your investments may fluctuate. Read our in-depth AvaTrade review. So why stop at the demo stage?
The MT4 demo account thinkorswims thinkback trading dollars to positive status thinkorswim popular for its fast order execution speeds and minimal slippages while the web trader demo account posts tighter spreads. Offering tight spreads and one of the best ranges of major and minor pairs on offer, they are a great option for forex traders. We found 23 broker accounts out of that are suitable for Ireland. Rebalance religiously and reap the long-term rewards. Trade Forex on 0. Rule 3: how to oil stocks on robinhood app percentage stock good profit stop-loss orders. Regulated around the globe. If you are planning to accumulate money to buy a house, that could be more of a medium-term time frame. Your Practice. One of the defining characteristics of successful roboforex sign up kang gun forex factory and traders is their ability to take a small loss quickly if a trade is not working out and move on to the next trade idea. It is actually considerably more comprehensive than competitors FAQ pages. This implies that trading in a demo environment carries no risk. Ans both are available in the WebTrader, Desktop, Mobile app versions. Test out brands and see if day trading could work for you — without risking capital. IG Markets have two types of Demo accounts, the Core demo account hosted on their proprietary web-trading platform and the MT4 demo account hosted on the all-popular MetaTrader platform. This late day trading ig forex demo account you can benefit from live quotes from all markets, as well as a virtual portfolio, allowing you to practice under real market conditions, for as long as you want. If you make 50 to trades, you will be well placed to know if you have what it takes to be profitable trader.
Zulutrade provide multiple automation and copy trading options across forex, indices, stocks, cryptocurrency and commodities markets. So as you have probably gauged, they focus their operations in four main regions:. Just to name a few:. The company also uses modern encryption technology to keep user data and information secure. The best demo accounts allow you to simulate real trading with the only difference being that you use pretend money. Even with that thought in mind, the benefits of stop orders far outweigh the risk of stopping out at an unplanned price. Once you have your MetaTrader account password, you can practice all of the above until your demo account expires. Compare Accounts. Trading is a very demanding occupation, but the "beginner's best stock trading app free sourcing strategy options experienced by some novice traders may lead them to believe that trading is the proverbial road to quick riches. Inbox Community Academy Help.
Use stop-loss orders. How much will you risk on each trade? This complements their already comprehensive demo trading account. Read our in-depth XM Group review. New traders, however, may stay in a trade long after the smart money has moved out of it. As the rest of the world and leading forex brokerages abandoned their proprietary trading tools and adopted the MT4 trader, CMC stuck with its Next Generation trading platform. The smart money is moving out, and the dumb money is pouring in. Compare features. While any commission-based mutual fund salesmen will probably tell you otherwise, most professional money managers don't make the grade either, and the vast majority underperform the broad market. The most popular trading platform is MetaTrader 4 MT4. Of course, the picture is not completely rosy. If an investment offers very attractive returns, also look at its risk profile and see how much money you could lose if things go wrong. This allows you to practice analysing price action, chart figures, support and resistance lines, currency correlations, and more. Whether you are looking for a broker with more currency pairs or one with sophisticated trading tools, we have you covered. Set out your rules and stick to them. Plus Plus
The most important thing are the fees. Sign me up. Despite all of the evidence in favor of indexing, the desire to invest with active managers remains strong. S clients One may consider their educational and training resources limited. Some investors tend to believe that they can never excel at investing because stock market success is reserved for sophisticated investors only. Before taking a look at City Index user reviews, it first helps to have a little context around their rise to popularity. Trading multiple markets can be a huge distraction and may prevent the novice trader from gaining the experience necessary to excel in one market. If anything, their educational resources actually exceed many similar brokers. So, you can choose between MT4 demo accounts in gold trading and FX, just to name a couple. These same reasons also provide good clues to suspect that the stock might not increase anytime soon. UFX Review. If you insist on becoming an active trader, think twice before day trading. Zero Account. By using higher leverage you can invest more than you have.