เงิน (น.) พรอันประเสริฐและคำสาปแช่งอันขมขื่นต่อชีวิตความเป็นอยู่ของเรา หลายคนเหลือกินเหลือใช้ หลายคนอดมื้อกินมื้อ หลายคนนอนอุ่น หลายคนไร้ ...Sep 18, 2020 · In The Psychology of Money, the author shares 19 short stories exploring the strange ways people think about money and teaches you how to make better sense of one of life’s most important matters. MORGAN HOUSEL is a partner at The Collaborative Fund and a former columnist at The Motley Fool and The Wall Street Journal. The Psychology of Money - Free download as PDF File (.pdf), Text File (.txt) or read online for free. The document discusses three key money concepts that most people fail to understand but are essential for obtaining wealth and financial independence: 1. Compounding - Small gains that are reinvested and allowed to grow over long periods of …The Psychology of Money: Timeless Lessons on Wealth, Greed, and Happiness. Morgan Housel. Harriman House, Mar 2, 2021 - Business & Economics - 256 pages. **OVER 4 …Downloaded from. The Psychological Consequences. of Money. Kathleen D. Vohs, * Nicole L. Mead, Miranda R. Goode. Money has been said to change people s motivation (mainly for the better) and their ...The Psychology of Money - دانلود کتاب روانشناسی پول زبان اصلی pdf - نوزده داستان کوتاه به اشتراک می گذارد که به بررسی روش های عجیب مردم درباره پول میپردازد.Housel's observations often hit the daily double: they say things that haven't been said before, and they make sense. --Howard Marks, Director and Co-Chairman, Oaktree Capital & Author, The Most Important Thing and Mastering the Market Cycle The Psychology of Money is bursting with interesting ideas and practical takeaways. Quite simply, it is …c oi ns .” An hour l a te r, gol d c oi ns i n ha nd, the te c h e xe c uti ve a nd hi s buddi e s ga the r e d a r ound by a doc k ove r l ooki ng the Pa c i fi c Oc e a n.Description. The Psychology of Money’ Tamil Edition. TIMELESS LESSONS ON WEALTH, GREED, AND HAPPINESS Doing well with money isn’t necessarily about what you know. It’s about how you behave. And behavior is hard to teach, even to really smart people. How to manage money, invest it, and make business decisions are typically …c oi ns .” An hour l a te r, gol d c oi ns i n ha nd, the te c h e xe c uti ve a nd hi s buddi e s ga the r e d a r ound by a doc k ove r l ooki ng the Pa c i fi c Oc e a n.The Psychology of Money - Free download as PDF File (.pdf), Text File (.txt) or read online for free. The document discusses three key money concepts that most people fail to understand but are essential for obtaining wealth and financial independence: 1. Compounding - Small gains that are reinvested and allowed to grow over long periods of …Sep 12, 2022 · Doing well with money isn't necessarily about what you know. It's about how you behave. And behavior is hard to teach, even to really smart people. The field of finance, including investment, personal finance, and business decisions, is typically presented as a mathematical one, where we are given precise instructions based on data and formulas. Intisari “The Psychology of Money” (Bahasa Indonesia) & Penerapan nya. W.Y.R. January 9, 2024. Trending di Indonesia. Mengelola keuangan bukan hanya tentang angka dan rumus, tetapi juga memahami psikologi di balik pengambilan keputusan finansial. Buku “The Psychology of Money” versi Bahasa Indonesia menawarkan …In The Psychology of Money, award-winning author Morgan Housel shares 19 short stories exploring the strange ways people think about money and teaches you how to make better sense of one of life's most important topics. Read more Report an issue with this product. Previous page. Print length. 256 pages. Language.Intisari “The Psychology of Money” (Bahasa Indonesia) & Penerapan nya. W.Y.R. January 9, 2024. Trending di Indonesia. Mengelola keuangan bukan hanya tentang angka dan rumus, tetapi juga memahami psikologi di balik pengambilan keputusan finansial. Buku “The Psychology of Money” versi Bahasa Indonesia menawarkan …Download Link – The Psychology of Money PDF. Report This. If the download link of The Psychology of Money: Timeless Lessons on Wealth, Greed, and Happiness PDF is not working or you feel any other problem with it, please REPORT IT by selecting the appropriate action such as copyright material / promotional content/link is …The Psychology of Money Housel en 39499 | PDF | Investing | Risk. the-psychology-of-money-housel-en-39499 - Read online for free.Saya membahas review dan rekomendasi buku The Psychology of Money karya Morgan Housel. Kamu akan belajar cara mengelola uang dengan baik agar berkembang. Ini...Source title: The Psychology of Money: Timeless lessons on wealth, greed, and happiness Translation Of the psychology of money Classifications Library of Congress HG222.3 .H68 2020, HG222.3 .H68 2020eb The Physical Object Format paperback Number of pages 256 ID Numbers Open Library OL29412746M ISBN 10 …In The Psychology of Money, award-winning author Morgan Housel shares 19 short stories exploring the strange ways people think about money and teaches you how to make better sense of one of life’s most important topics. Read more ©2020 Harriman House (P)2020 Harriman House. Previous page. Listening Length.Module 3: How Psychologists Think About the Field of Psychology. Module 3: How Psychologists Think About the Field of Psychology. Module 3: How Psychologists Think About the Field of Psychology. Module 3: How Psychologists Think About the Field of Psychology. Module 4: The Science of Psychology: Tension and Conflict in a Dynamic …Jan 1, 1998 · Abstract. The New Psychology of Money is an accessible and engrossing analysis of our psychological relationship to money in all its forms. Comprehensive and insightful, Adrian Furnham explores ... The Psychology of Money: Beyond Behavioral Finance. By Cicily Carson Maton, CFP®, and Wm. Marty Martin, PsyD, MPH. Twenty-five years ago, a group of innovative psychologists turned conventional thinking about market behaviors upside down. The resulting body of knowledge fuses economics and psychology and has, since then, …Read & Download PDF The Psychology of Money by Morgan Housel, Update the latest version with high-quality. Try NOW!The Psychological Consequences of Money. K. Vohs, N. Mead, Miranda R. Goode. Published in Science 17 November 2006. Psychology. TLDR. The results of nine experiments suggest that money brings about a self-sufficient orientation in which people prefer to be free of dependency and dependents. Expand.Mar 2, 2021 · THE PSYCHOLOGY OF MONEY is the original bestselling classic from the author of new book, SAME AS EVER.**Doing well with money isn’t necessarily about what you know. It’s about how you behave. And behavior is hard to teach, even to really smart people.Money—investing, personal finance, and business decisions—is typically taught as a math ... The Psychology of Money - دانلود کتاب روانشناسی پول زبان اصلی pdf - نوزده داستان کوتاه به اشتراک می گذارد که به بررسی روش های عجیب مردم درباره پول میپردازد.THE PSYCHOLOGY OF MONEY LAUNDERERS. BY DAVID THOMAS. Statement of intent. Understanding more about why money launderers behave in the way they do will assist “Anti-Money Launderers” to undertake their roles more effectively. ABOUT THE AUTHOR. David Thomas was Head of the UK Fraud Investigation Unit (FIU) from 2006 …Opening Statements in Trump’s Criminal Trial: Five Takeaways. Prosecutors signaled a sweeping case and Donald J. Trump’s lawyers began their assault on …0811-3278-005. Waktu operasional. Senin - Jumat. 08:00 - 16:30. Kesuksesan dalam mengelola uang tidak selalu tentang apa yang Anda ketahui. Ini tentang bagaimana Anda berperilaku. Dan perilaku sulit untuk diajarkan, bahkan …31,433. PDF. The results of nine experiments suggest that money brings about a self-sufficient orientation in which people prefer to be free of dependency and dependents. Money has been said to change people's motivation (mainly for the better) and their behavior toward others (mainly for the worse). See Full PDF. Download PDF. The Psychology of Money From an industry that talks too much about what to do, and not enough about what happens in your head when you try to do it. By Morgan Housel, The Collaborative Fund Collaborative Fund is a leading source of capital for entrepreneurs pushing the world forward. Psychology of Money - Free download as PDF File (.pdf), Text File (.txt) or read online for free.DOWNLOAD. Baca juga: [DOWNLOAD] The 5 AM Club – Robin Sharma pdf: Manfaatkan Pagimu!Nah, itu dia sekilas review The Psychology of Money karya Morgan Housel yang sangat membantu untuk menambah pemahaman literasi finansial plus melek finansial sejak dini. Juga, menurutku pribadi mempersiapkan financial planning sejak muda akan …In this fascinating exploration of the delicate relationship between money and the human mind, clinical psychologist Richards explains that discovering our sense of self is the key to determining our relationship with money. He contends that credit or debt can be useful tools for building personal growth--"if applied properly."Whether you’re looking to get organized, stay motivated, find creative inspiration, or relieve stress, these audiobooks and podcasts are packed with insights from self-development and wellness experts to help you take the next step—or the first—in your personal journey. The Psychology of Money as it's meant to be heard, narrated by Chris ... PrevPrevious. The Psychology of Money. လူတိုင်းရဲ့ ဘ၀မှာ အတွေးဆုံးအရာ၊အချိန်အများစုမှာ အပိုင်ဆိုင်ချင်ဆုံး အရာကပိုက်ဆံလို့ ပြောရင် မမှားပါဘူး ... Jan 1, 1998 · Abstract. The New Psychology of Money is an accessible and engrossing analysis of our psychological relationship to money in all its forms. Comprehensive and insightful, Adrian Furnham explores ... Money is more than just a tool for transactions. It carries deep psychological and emotional significance. In today's episode, we will examine the psychology of money, uncovering the emotions, beliefs and behaviors that shape our relationship with wealth, and gain insights on how to cultivate a healthy mindset towards money. PDF Title: The Psychology of Money Total Page: 253 Pages Author: Morgan Housel PDF Size: 1.5 MB Language: English PDF Link: Available. Here on this page, we have provided the latest download link for The Psychology of Money. Timeless Lessons on Wealth, Greed, and Happiness PDF.In The Psychology of Money, award-winning author Morgan Housel shares 19 short stories exploring the strange ways people think about money and teaches you …In The Psychology of Money, the author shares 19 short stories exploring the strange ways people think about money and teaches you how to make better sense of one of life’s most important matters. MORGAN HOUSEL is a partner at The Collaborative Fund and a former columnist at The Motley Fool and The Wall Street Journal. money in ways that are too much like physics (with rules and laws) and not enough like psychology (with emotions and nuance). And that, to me, is as fascinating as it is important. Money is everywhere, it affects all of us, and confuses most of us. Everyone thinks about it a little differently. It offers lessons on things that apply to In The Psychology of Money, award-winning author Morgan Housel shares 19 short stories exploring the strange ways people think about money and teaches you how to make … Leverage—taking on debt to make your money. go further—pushes routine risks into something capable of producing ruin. The danger is that rational optimism most of the time masks the odds of. ruin some of the time. The result is we systematically underestimate risk. Housing prices fell 30% last decade. Many sides of the coin: The psychology of money usage. Personality and Individual Differences, 5, 501–509. Crossref. Google Scholar. Garbers Y., Konradt U. (2014). The effect of financial incentives on performance: A quantitative review of individual and team-based financial incentives. ... View PDF/ePub Full Text View Full Text. Related ...Too much devotion to one goal, one path, one outcome, is asking for regret when you’re so susceptible to change. 5. Anchored-to-your-own-history bias: Your personal experiences make up maybe 0.00000001% of what’s happened in the world but maybe 80% of how you think the world works.It highlights the most significant factors contributing to a person’s financial success, such as risk taking, making reasonable decisions, uncertainty, leaving room for error, positive realism, financial independence, and personal happiness. Book Title: The Psychology of Money: Timeless Lessons on Wealth, Greed, and Happiness.Too much devotion to one goal, one path, one outcome, is asking for regret when you’re so susceptible to change. 5. Anchored-to-your-own-history bias: Your personal experiences make up maybe 0.00000001% of what’s happened in the world but maybe 80% of how you think the world works.หนังสือจิตวิทยาว่าด้วยเงิน (The Psychology of Money) มีจำนวนหน้าทั้งหมด 272 หน้า แต่งโดย Morgan Housel ผู้ดำรงตำแหน่งเป็นหุ้นส่วนกับ Collaborative Fund และเป็น ...A Brief Synopsis of Morgan Housel's The Psychology of Money: Eternal truths about gain, greed, and contentment. This Concise Overview has been written to assist readers in grasping the fundamentals of the monetary system. Because it doesn't matter how much money you have if you don't act accordingly. This book is for you if …Opening Statements in Trump’s Criminal Trial: Five Takeaways. Prosecutors signaled a sweeping case and Donald J. Trump’s lawyers began their assault on …The Psychology of Money - Free PDF Download - Morgan Housel - 202 Pages - Year: 2023 - Psychology - Read Online @ PDF RoomDownload PDF. Joshua Traut 1 ... It is important to note that The Psychology of Money is not an investment guide that gives specific investment advice. In the first chapter of the book, Housel clarifies that finance is a very individual topic. What might be an excellent financial decision for one person may be disastrous for another.Morgan Housel’s Psychology of Money has been a big hit with our customers, and the reasons are clear. His wisdom about the do's and don'ts of making financial decisions, coupled with his graceful and clear writing, elevate this book far above the rest. We’re delighted to have this Exclusive Edition, with an additional chapter written …Mar 26, 2023 · 6.93 MB, Download: 7. TSEL ILMUPEDIA v183 MJF.hc. 25.14 KB, Download: 6. UDP PREMIUM BY KIZARU.hc. 57.88 KB, Download: 6. 1. Download The Psychology of Money Indonesia .pdf diunggah oleh Syopyan achmad pada 26 March 2023 di folder Document dengan ukuran 9.05 MB. ratings. (2015) by Morgan Housel. Timeless lessons on wealth, greed, and happiness. Doing well with money isn't necessarily about what you know. It's about how you behave. And behavior is hard to teach, even to really smart people. Money-investing, personal finance, and business decisions-is typically taught as a math-based field, where data ... his behavior and investments. It is important to note that The Psychology of Money is not an investment guide that gives specific investment advice. In the first chapter of the book, Housel clarifies that finance is a very individual topic. What might be an excellent financial decision for one person may be disastrous for another. Hence,PDF | On Mar 17, 2023, Agata Gasiorowska and others published The psychology of money | Find, read and cite all the research you need on ResearchGateexplain why people behave the way they do than money. It is one of the greatest shows on Earth. My own appreciation for the psychology of money is shaped by more than a decade of writing on the topic. I began writing about finance in early 2008. It was the dawn of a financial crisis and the worst recession in 80 years.The Psychology Of Money Summary (PDF) Key Idea #1: “No one is crazy” regarding money. Key Idea #2: “Recognize the role of both luck and risks in life.”. Key Idea #3: “Enough is not too little.”. Key Idea #4: Most of us are not good at compounding. Key Idea #5: Getting money is one thing – keeping it is another.It highlights the most significant factors contributing to a person’s financial success, such as risk taking, making reasonable decisions, uncertainty, leaving room for error, positive realism, financial independence, and personal happiness. Book Title: The Psychology of Money: Timeless Lessons on Wealth, Greed, and Happiness. way they do than money. It is one of the greatest shows on Earth. My own appreciation for the psychology of money is shaped by more than a decade of writing on the topic. I began writing about finance in early 2008. It was the dawn of a financial crisis and the worst recession in 80 years. To write about what was happening, I wanted to figure ... money in ways that are too much like physics (with rules and laws) and not enough like psychology (with emotions and nuance). And that, to me, is as fascinating as it is important. Money is everywhere, it affects all of us, and confuses most of us. Everyone thinks about it a little differently. It offers lessons on things that apply to Title : The Psychology of Money Author : Morgan Housel. Rate : 399-00. Pages : 242. Year : 2021. Binding : Paper Pack. Publisher : Jaico Publishing HouseLanguage English. Publisher Jaico Publishing House. Release date Sep 18, 2020. ISBN 9789390166275. Unavailable. Author. Read The Psychology of Money by Morgan Housel with a free trial. Read millions of eBooks and audiobooks on …The Psychology of Money: Beyond Behavioral Finance. By Cicily Carson Maton, CFP®, and Wm. Marty Martin, PsyD, MPH. Twenty-five years ago, a group of innovative psychologists turned conventional thinking about market behaviors upside down. The resulting body of knowledge fuses economics and psychology and has, since then, …Leverage—taking on debt to make your money. go further—pushes routine risks into something capable of producing ruin. The danger is that rational optimism most of the time masks the odds of. ruin some of the time. The result is we systematically underestimate risk. Housing prices fell 30% last decade.The Psychology of Money’ Tamil Edition. TIMELESS LESSONS ON WEALTH, GREED, AND HAPPINESS Doing well with money isn’t necessarily about what you know. It’s about how you behave. And behavior is hard to teach, even to really smart people. How to manage money, invest it, and make business decisions are typically considered to …Dec 30, 2023 · In The Psychology of Money, award-winning author Morgan Housel shares 19 short stories exploring the strange ways people think about money and teaches you how to make better sense of one of life's most important topics. The Psychology of Money - Free PDF Download - Morgan Housel - 202 Pages - Year: 2023 - Psychology - Read Online @ PDF Room. The reach of audiobooks has grown significantly, extending beyond their original purpose of aiding the visually impaired. By joining Audible for a modest monthly fee of $14.95, you can enjoy a free audiobook each month, such as " The Psychology of Money ", narrated by Chris Hill and with a duration of 5 hours and 48 minutes.เงิน (น.) พรอันประเสริฐและคำสาปแช่งอันขมขื่นต่อชีวิตความเป็นอยู่ของเรา หลายคนเหลือกินเหลือใช้ หลายคนอดมื้อกินมื้อ หลายคนนอนอุ่น หลายคนไร้ ...The PSYCHOLOGY OF MONEY Book Summary in Hindi by Morgan HouselTimeless lessons on wealth, greed, and happiness for financial freedom.In this video, I review ...Jul 19, 2018 · 1 online resource (xiv, 258 pages) : In a diverse investing climate, investment managers are always hunting for the winning strategy. Financial analyst Jim Ware draws on both Jungian psychology and substantial business experience to offer an alternative to flavor-of-the-day strategizing. c oi ns .” An hour l a te r, gol d c oi ns i n ha nd, the te c h e xe c uti ve a nd hi s buddi e s ga the r e d a r ound by a doc k ove r l ooki ng the Pa c i fi c Oc e a n.The Psychology of Money: Timeless lessons on wealth, greed, and happiness. Morgan Housel. Harriman House Limited, Sep 8, 2020 - Business & …The Psychological Consequences of Money. K. Vohs, N. Mead, Miranda R. Goode. Published in Science 17 November 2006. Psychology. TLDR. The results of nine experiments suggest that money brings about a self-sufficient orientation in which people prefer to be free of dependency and dependents. Expand.MORGAN HOUSEL is a partner at The Collaborative Fund and a former columnist at The Motley Fool and The Wall Street Journal. He is a two-time winner of the Best in Business Award from the Society of American Business Editors and Writers, winner of the New York Times Sidney Award, and a two-time finalist for the Gerald Loeb Award for distinguished … ratings. (2015) by Morgan Housel. Timeless lessons on wealth, greed, and happiness. Doing well with money isn't necessarily about what you know. It's about how you behave. And behavior is hard to teach, even to really smart people. Money-investing, personal finance, and business decisions-is typically taught as a math-based field, where data ... Leverage—taking on debt to make your money. go further—pushes routine risks into something capable of producing ruin. The danger is that rational optimism most of the time masks the odds of. ruin some of the time. The result is we systematically underestimate risk. Housing prices fell 30% last decade. About this ebook. Doing well with money isn’t necessarily about what you know. It’s about how you behave. And behavior is hard to teach, even to really smart people. Money—investing, personal finance, and business decisions—is typically taught as a math-based field, where data and formulas tell us exactly what to do. THE PSYCHOLOGY OF MONEY LAUNDERERS. BY DAVID THOMAS. Statement of intent. Understanding more about why money launderers behave in the way they do will assist “Anti-Money Launderers” to undertake their roles more effectively. ABOUT THE AUTHOR. David Thomas was Head of the UK Fraud Investigation Unit (FIU) from 2006 …
31,433. PDF. The results of nine experiments suggest that money brings about a self-sufficient orientation in which people prefer to be free of dependency and dependents. Money has been said to change people's motivation (mainly for the better) and their behavior toward others (mainly for the worse).. Nova app
The Psychology of Money Book PDF: The Psychology of Money by Morgan Housel is a fascinating book that talks about how we think about money. It’s written in a way that’s easy to understand. In this book, Housel looks at the way our minds work when it comes to money. He tells stories about real people and uses a lot of research to show us how ...The Psychology of Money. Taking a Rational Approach to Managing Your Wealth. Wealth is a complex concept, and your perceptions, biases and emotions about money can … Freedom. “The ability to do what you want, when you want, with who you want, for as long as you want, is priceless. It is the highest dividend money pays. “ The highest form of wealth is the ability to wake up every morning and say, ‘I can do whatever I want today.’. People want to become wealthier to make them happier. The Psychology of Money - Free download as PDF File (.pdf), Text File (.txt) or read online for free. The document discusses three key money concepts that most people fail to understand but are essential for obtaining wealth and financial independence: 1. Compounding - Small gains that are reinvested and allowed to grow over long periods of …Social media allows for repeated, low-stakes interactions that make some people feel more comfortable. You can get a glimpse into their lives through what they …Psychology of Money Morgan Housel. “Perhatian” Ini adalah sebuah book note yang berisi hal-hal apa yang gua dapet saat membaca buku Psychology of Money dari Morgan Housel.. mungkin isinya bakal berbeda dengan apa yang sebenarnya si author pengen sampaiin. Detali buku -judul : the psychology of money -author : morgan housel …Untuk itu, buku “ The Psychology of Money ” hadir untuk menjembatani urusan psikologis Anda dan uang yang Anda miliki. Buku “ The Psychology of Money ” karya Morgan Housel adalah eksplorasi yang mendalam tentang hubungan antara psikologi dan keuangan. Buku ini membahas mengapa kita membuat keputusan keuangan seperti …The Psychology of Money PDF Free is a popular Business Motivational, Self Help Book written by Morgan Housel. The book was originally published on September 8th 2020. It follows the genre of Economics, Non Fiction, Business, Self Help, Economics, Finance, Self Help. The book has a rating of 4.3 Star Reviews on GoodReads.DOWNLOAD NOW ». A Brief Synopsis of Morgan Housel's The Psychology of Money: Eternal truths about gain, greed, and contentment. This Concise Overview has been written to assist readers in grasping the fundamentals of the monetary system. Because it doesn't matter how much money you have if you don't act accordingly.In The Psychology of Money, award-winning author Morgan Housel shares 19 short stories exploring the strange ways people think about money and teaches you how to make …รายละเอียด : The Psychology of Money จิตวิทยาว่าด้วยเงิน. 20 เรื่องสั้น ที่จะพาคุณไปเจาะลึกความเป็นมนุษย์และสังคม ซึ่งเชื่อมโยงกับการ ...way they do than money. It is one of the greatest shows on Earth. My own appreciation for the psychology of money is shaped by more than a decade of writing on the topic. I began writing about finance in early 2008. It was the dawn of a financial crisis and the worst recession in 80 years. To write about what was happening, I wanted to figure ...Intisari “The Psychology of Money” (Bahasa Indonesia) & Penerapan nya. W.Y.R. January 9, 2024. Trending di Indonesia. Mengelola keuangan bukan hanya tentang angka dan rumus, tetapi juga memahami psikologi di balik pengambilan keputusan finansial. Buku “The Psychology of Money” versi Bahasa Indonesia menawarkan …Title : The Psychology of Money Author : Morgan Housel. Rate : 399-00. Pages : 242. Year : 2021. Binding : Paper Pack. Publisher : Jaico Publishing HouseThe Psychology of Money - Free download as PDF File (.pdf), Text File (.txt) or read online for free. The document discusses three key money concepts that most people fail to understand but are essential for obtaining wealth and financial independence: 1. Compounding - Small gains that are reinvested and allowed to grow over long periods of … About this ebook. Doing well with money isn’t necessarily about what you know. It’s about how you behave. And behavior is hard to teach, even to really smart people. Money—investing, personal finance, and business decisions—is typically taught as a math-based field, where data and formulas tell us exactly what to do. The Psychology of Money: Timeless Lessons on Wealth, Greed, and Happiness. Morgan Housel. Harriman House, Mar 2, 2021 - Business & Economics - 256 pages. **OVER 4 …I call this soft skill the psychology of money. The aim of this book is to use short stories to convince you that soft skills are more important than the technical side of money. I’ll do …The Psychology of Money is an essential read for anyone who wants to make wiser decisions or live a richer life." -- Daniel H. Pink, #1 New York Times Bestselling Author of When, To Sell Is Human, and Drive "The Psychology of Money is bursting with interesting ideas and practical takeaways. Quite simply, it is essential reading for anyone ....