FAISX - Fidelity Advisor Balanced B

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Your Mutual Fund

Fidelity Advisor Balanced B (FAISX)
Expense Ratio: 1.80%
Expected Lifetime Fees: $49,362.78


The Fidelity Advisor Balanced B fund (FAISX) is a Moderate Allocation fund started on 12/31/1996 and has $1.10 billion in assets under management. The current manager has been running Fidelity Advisor Balanced B since 9/29/2008. The fund is rated by Morningstar. In addition to trading fees and broker commissions, this fund has 12b-1 fees of 1.00%

MarketRiders Prefers The Following ETF

iShares S&P Moderate Allocation (AOM)
Expense Ratio: 0.11%
Expected Lifetime Fees: $3,595.26


The iShares S&P Moderate Allocation (AOM) is an Exchange Traded Fund. It is a "basket" of securities that index the Moderate Allocation investment strategy and is an alternative to a Moderate Allocation mutual fund. Fees are very low compared to a comparable mutual fund like Fidelity Advisor Balanced B because computers automatically manage the stocks.




The Following Moderate Allocation Funds Have Lower Fees Than Fidelity Advisor Balanced B (FAISX). Why are these metrics important?
Mutual Fund Name Ticker Symbol Turnover Assets (M) Annual Fees
AdvisorOne Liahona N CLHAX 22.0% 219 1.44%
AllianceBern Balance Wealth Strat A ABWAX 4.0% 1,500 1.02%
AllianceBern Balance Wealth Strat Adv ABWYX 4.0% 1,500 0.72%
AllianceBern Balance Wealth Strat B ABWBX 4.0% 1,500 1.75%
AllianceBern Balance Wealth Strat C ABWCX 4.0% 1,500 1.73%
AllianceBern Balanced Shares A CABNX 87.0% 551 1.08%
AllianceBern Balanced Shares A CABSZ 87.0% 551 1.08%
AllianceBern Balanced Shares Adv CBSYX 87.0% 551 0.79%
Allianz AGIC Income & Growth A AZNTZ 192.0% 955 1.31%
Allianz AGIC Income & Growth D AZNDX 192.0% 955 1.31%
Allianz AGIC Income & Growth Instl AZNIX 192.0% 955 0.96%
Allianz Glbl Inv Sltns Global Allc A PALAX 64.0% 203 1.22%
Allianz Glbl Inv Sltns Global Allc I PALLX 64.0% 203 0.95%
American Beacon Balanced Adv ABLSX 47.0% 974 1.10%
American Beacon Balanced AMR AABNX 47.0% 974 0.34%
American Beacon Balanced Fund Class Y ACBYX 47.0% 974 0.70%
American Beacon Balanced Instl AADBX 47.0% 974 0.59%
American Beacon Balanced Inv AABPX 47.0% 974 0.93%
American Century Balanced Instl ABINX 87.0% 588 0.70%
American Century Balanced Inv TWBIX 87.0% 588 0.90%
American Century One Choice Mod Inv AOMIX 11.0% 839 0.85%
American Century Strat Allc: Mod A ACOAX 86.0% 1,600 1.33%
American Century Strat Allc: Mod Inst ASAMX 86.0% 1,600 0.88%
American Century Strat Allc: Mod Inv TWSMX 86.0% 1,600 1.08%
American Century Strat Allc: Mod R ASMRX 86.0% 1,600 1.58%
American Funds American Balanced A ABALX 47.0% 51,300 0.62%
American Funds American Balanced B BALBX 47.0% 51,300 1.38%
American Funds American Balanced C BALCX 47.0% 51,300 1.42%
American Funds American Balanced F-1 BALFX 47.0% 51,300 0.63%
American Funds American Balanced F-2 AMBFX 47.0% 51,300 0.40%
American Funds American Balanced R1 RLBAX 47.0% 51,300 1.40%
American Funds American Balanced R2 RLBBX 47.0% 51,300 1.38%
American Funds American Balanced R3 RLBCX 47.0% 51,300 0.95%
American Funds American Balanced R4 RLBEX 47.0% 51,300 0.65%
American Funds American Balanced R5 RLBFX 47.0% 51,300 0.35%
American Funds American Balanced R6 RLBGX 47.0% 51,300 0.30%
American Funds Inc Fund of Amer A AMECX 38.0% 69,200 0.58%
American Funds Inc Fund of Amer B IFABX 38.0% 69,200 1.34%
American Funds Inc Fund of Amer C IFACX 38.0% 69,200 1.39%
American Funds Inc Fund of Amer F-1 IFAFX 38.0% 69,200 0.64%
American Funds Inc Fund of Amer F-2 AMEFX 38.0% 69,200 0.40%
American Funds Inc Fund of Amer R1 RIDAX 38.0% 69,200 1.41%
American Funds Inc Fund of Amer R2 RIDBX 38.0% 69,200 1.41%
American Funds Inc Fund of Amer R3 RIDCX 38.0% 69,200 0.96%
American Funds Inc Fund of Amer R4 RIDEX 38.0% 69,200 0.66%
American Funds Inc Fund of Amer R5 RIDFX 38.0% 69,200 0.36%
American Funds Inc Fund of Amer R6 RIDGX 38.0% 69,200 0.31%
BlackRock Balanced Capital Instl MACPX 94.0% 912 0.76%
BlackRock Balanced Capital Inv A MDCPX 94.0% 912 1.07%
BlackRock Balanced Capital Inv A MDQSZ 94.0% 912 1.07%
BlackRock Managed Volatility Inv A PCBAX 401.0% 545 1.29%
BNY Mellon Asset Allocation Inv MIBLX 71.1% 381 1.11%
BNY Mellon Asset Allocation M MPBLX 71.1% 381 0.86%
Buffalo Flexible Income BUFBX 19.0% 402 1.05%
Calvert Balanced A CSIFX 100.0% 487 1.25%
Calvert Moderate Allocation A CMAAX 18.0% 129 1.45%
Columbia Balanced A CBLSZ 99.0% 1,100 1.11%
Columbia Balanced Fund Class R5 CLREX 99.0% 1,100 0.80%
Columbia Balanced Z CBA1Z 99.0% 1,100 0.86%
Columbia Balanced Z CBALX 99.0% 1,100 0.86%
Columbia LifeGoal Balanced Growth A NBIAX 42.0% 1,000 1.24%
Columbia LifeGoal Balanced Growth Portfolio Class T CGGTX 42.0% 1,000 1.29%
Columbia LifeGoal Balanced Growth R CLBRX 42.0% 1,000 1.49%
Columbia LifeGoal Balanced Growth Z NBGPX 42.0% 1,000 0.99%
Columbia Port Builder Moderate A ABUAX 58.0% 1,400 1.12%
Columbia Portfolio Bldr Mod Agrsv A AXMAX 85.0% 1,100 1.21%
Columbia Portfolio Builder Moderate Aggressive Fund Class R4 CMRRX 85.0% 1,100 1.06%
Columbia Portfolio Builder Moderate Fund Class R4 CBRRX 58.0% 1,400 1.01%
Delaware Dividend Income A DDIAX 110.0% 397 1.19%
Delaware Dividend Income Instl DDIIX 110.0% 397 0.94%
Delaware Foundation Moderate Allc A DFB1Z 164.0% 385 1.13%
Delaware Foundation Moderate Allc I DFFIX 164.0% 385 0.90%
Dodge & Cox Balanced DOB1Z 19.0% 11,800 0.53%
Dodge & Cox Balanced DODBX 19.0% 11,800 0.53%
Dreyfus Balanced Opportunity Fund Class A DBO1Z 99.7% 246 1.20%
Dreyfus Balanced Opportunity Fund Class A DBOAX 99.7% 246 1.20%
Dreyfus Balanced Opportunity I DBORX 99.7% 246 0.95%
Dreyfus Balanced Opportunity J THPBX 99.7% 246 1.03%
Dreyfus Balanced Opportunity Z DBOZX 99.7% 246 1.19%
DWS Lifecycle Long Range S BTILX 222.0% 558 1.00%
DWS Lifecycle Long Range S BTRTZ 222.0% 558 1.00%
Eaton Vance Balanced A EVIFX 3.0% 195 1.17%
FBR Balanced I AFBAX 35.0% 211 1.14%
FBR Balanced Investor AFSAX 35.0% 211 1.39%
Federated Asset Allocation A FSTBX 215.0% 358 1.39%
Federated MDT Balanced A QABGX 139.0% 126 1.35%
Federated MDT Balanced Instl QIBGX 139.0% 126 1.10%
Fidelity Advisor Asset Manager 50% A FFAMX 14.0% 6,600 1.03%
Fidelity Advisor Asset Manager 50% B FFBMX 14.0% 6,600 1.78%
Fidelity Advisor Asset Manager 50% T FFTMX 14.0% 6,600 1.25%
Fidelity Advisor Asset Manager 60% A FSASZ 14.0% 583 1.11%
Fidelity Advisor Asset Manager 60% I FSNIX 14.0% 583 0.85%
Fidelity Advisor Asset Manager 70% A FAASX 16.0% 2,800 1.11%
Fidelity Advisor Asset Manager 70% I FAAIX 16.0% 2,800 0.83%
Fidelity Advisor Asset Manager 70% T FTASX 16.0% 2,800 1.37%
Fidelity Advisor Balanced A FABLX 146.0% 1,100 1.00%
Fidelity Advisor Balanced C FABCX 146.0% 1,100 1.74%
Fidelity Advisor Balanced I FAIOX 146.0% 1,100 0.71%
Fidelity Advisor Balanced T FAIGX 146.0% 1,100 1.20%
Fidelity Asset Manager 50% FASMX 14.0% 6,600 0.71%
Fidelity Asset Manager 60% FSANX 14.0% 583 0.83%
Fidelity Asset Manager 70% FASGX 16.0% 2,800 0.80%
Fidelity Balanced FBALX 193.0% 19,900 0.61%
Fidelity Puritan FPURX 154.0% 18,800 0.60%
FPA Crescent FPACX 32.0% 8,700 1.25%
FPA Crescent FPC1Z 32.0% 8,700 1.25%
Franklin Balanced A FBLSZ 70.8% 536 1.02%
Franklin Balanced C FBMCX 70.8% 536 1.72%
Franklin Templeton Moderate Allc A FMTIX 19.8% 2,300 1.17%
Franklin Templeton Moderate Allc Adv FMTZX 19.8% 2,300 0.92%
Franklin Templeton Moderate Allc R FTMRX 19.8% 2,300 1.42%
GE Instl Strategic Investment Inv GSIVX 187.0% 690 0.37%
GE Instl Strategic Investment Svc GSRVX 187.0% 690 0.62%
George Putnam Balanced A PGEOX 176.0% 1,100 1.05%
George Putnam Balanced M PGEMX 176.0% 1,100 1.55%
George Putnam Balanced Y PGEYX 176.0% 1,100 0.80%
Greenspring GRSPX 58.3% 722 0.93%
Hartford Balanced A ITTAX 43.0% 572 1.18%
Hartford Balanced Allocation A HBAAX 36.0% 816 1.23%
Hartford Balanced Allocation I HBAIX 36.0% 816 0.93%
Hartford Balanced Y IHAYX 43.0% 572 0.74%
Hartford Checks and Balances A HCKAX 19.0% 1,700 1.04%
Hartford Checks and Balances A HCKCZ 19.0% 1,700 1.04%
Hartford Checks and Balances C HCKCX 19.0% 1,700 1.79%
Hartford Checks and Balances I HCKIX 19.0% 1,700 0.78%
ING Capital Allocation A ATLAX 59.0% 190 1.15%
ING Capital Allocation A ATLCZ 59.0% 190 1.15%
ING Capital Allocation I ALEGX 59.0% 190 0.90%
Intrepid Capital ICMBX 88.0% 371 1.41%
Intrepid Capital Fund - Institutional Class ICMVX 88.0% 371 1.16%
Invesco Moderate Allocation A AMKAX 26.0% 751 1.23%
Invesco Moderate Allocation Instl AMLIX 26.0% 751 0.82%
Janus Balanced Fund Class A JDBAX 94.0% 8,300 0.92%
Janus Balanced Fund Class C JABCX 94.0% 8,300 1.66%
Janus Balanced Fund Class I JBALX 94.0% 8,300 0.63%
Janus Balanced Fund Class R JDBRX 94.0% 8,300 1.34%
Janus Balanced Fund Class S JABRX 94.0% 8,300 1.09%
Janus Balanced T JABAX 94.0% 8,300 0.84%
Janus Moderate Allocation Fund Class I JMOIX 15.0% 262 0.80%
Janus Moderate Allocation T JSPMX 15.0% 262 0.98%
Janus Protected Series - Growth Class I JPGIX 362.0% 137 1.55%
Janus Protected Series - Growth Class T JPGTX 362.0% 137 1.79%
JHancock Balanced A SVBAX 67.0% 926 1.16%
JHancock Balanced I SVBIX 67.0% 926 0.78%
JHancock Balanced R3 JBAHX 67.0% 926 1.36%
JHancock2 Lifestyle Balanced A JALBX 23.0% 12,000 1.36%
JHancock2 Lifestyle Balanced R1 JPLBX 23.0% 12,000 1.73%
JHancock2 Lifestyle Balanced R3 JRLBX 23.0% 12,000 1.58%
JHancock2 Lifestyle Balanced R4 JSLBX 23.0% 12,000 1.19%
JPMorgan Diversified A JDVAX 76.0% 630 1.32%
JPMorgan Diversified Instl JPDVX 76.0% 630 0.83%
JPMorgan Diversified Sel JDVSX 76.0% 630 1.07%
JPMorgan Investor Balanced Fund Class A OGI1Z 5.0% 3,100 1.48%
JPMorgan Investor Balanced Fund Class A OGIAX 5.0% 3,100 1.48%
JPMorgan Investor Balanced Fund Select Class OIBFX 5.0% 3,100 1.23%
JPMorgan Investor Growth & Income Fund Class A ONH1Z 9.0% 1,900 1.54%
JPMorgan Investor Growth & Income Fund Select Class ONGFX 9.0% 1,900 1.29%
Legg Mason Inv Counsel Social Aware A SSIAX 29.0% 141 1.30%
Legg Mason Permal Tactical Allocation I LPTIX 99.0% 109 1.55%
Lord Abbett Balanced Strategy A LABFX 27.9% 1,300 1.16%
Lord Abbett Balanced Strategy I LABYX 27.9% 1,300 0.91%
MainStay Balanced A MBNAX 221.0% 578 1.20%
MainStay Balanced I MBAIX 221.0% 578 0.95%
MainStay Income Builder A MTRAX 33.0% 648 1.08%
MainStay Income Builder A MTRSZ 33.0% 648 1.08%
MainStay Income Builder Fund Class I MTOSZ 33.0% 648 0.83%
Mairs & Power Balanced Inv MAPOX 9.1% 210 0.80%
Manning & Napier Pro-Blend Extnd Term I MNBIX 65.0% 1,200 0.84%
Manning & Napier Pro-Blend Extnd Term S MNBAX 65.0% 1,200 1.09%
Manning & Napier Pro-Blend Extnd Term S MNBTZ 65.0% 1,200 1.09%
MEMBERS Moderate Allocation A MMDAX 20.0% 119 1.52%
MFS Moderate Allocation Fund Class A MAM1Z 12.0% 3,400 1.11%
MFS Total Return A MSFRX 24.0% 5,700 0.77%
MFS Total Return A MTR3Z 24.0% 5,700 0.77%
MFS Total Return B MTRBX 24.0% 5,700 1.52%
MFS Total Return I MTRIX 24.0% 5,700 0.52%
MFS Total Return R2 MTRRX 24.0% 5,700 1.02%
MFS Total Return R3 MSFHX 24.0% 5,700 0.77%
MFS Total Return R4 MSFJX 24.0% 5,700 0.52%
Nationwide Inv Dest Mod A NADMX 14.3% 1,500 0.73%
Nationwide Inv Dest Mod B NBDMX 14.3% 1,500 1.46%
Nationwide Inv Dest Mod Svc NSDMX 14.3% 1,500 0.86%
Nuveen Strategy Balanced Allc A FSG3Z 34.0% 353 1.24%
Nuveen Strategy Balanced Allc A FSGNX 34.0% 353 1.24%
Nuveen Strategy Balanced Allc I FSKYX 34.0% 353 0.99%
Oakmark Equity & Income I OAKBX 47.0% 18,700 0.77%
Oakmark Equity & Income II OARBX 47.0% 18,700 1.09%
Oppenheimer Flexible Strategies A QVO2Z 181.0% 1,100 1.57%
Oppenheimer Flexible Strategies A QVOPX 181.0% 1,100 1.57%
Oppenheimer Flexible Strategies Y QOPYX 181.0% 1,100 1.25%
Oppenheimer Moderate Inv A OAMSZ 12.0% 961 1.04%
Oppenheimer Moderate Inv N ONMIX 12.0% 961 1.31%
Oppenheimer Moderate Inv Y OYMIX 12.0% 961 0.84%
Pioneer Ibbotson Moderate Allocation A PIALX 14.0% 191 1.47%
PL Port Optimization Moderate R POCRX 6.8% 1,000 1.58%
PL Portfolio Optimization Moderate Fund Class A POCSZ 6.8% 1,000 1.33%
Principal Diversified Real Asset A PRDAX 59.7% 1,100 1.25%
Principal Diversified Real Asset Inst PDRDX 59.7% 1,100 0.87%
Principal SAM Balanced A SABPX 29.6% 3,400 1.35%
Principal SAM Balanced R5 PSBFX 29.6% 3,400 1.25%
Prudential Asset Allocation A PIBAX 230.0% 314 1.16%
Prudential Asset Allocation L DYQ1Z 230.0% 314 1.36%
Prudential Asset Allocation Z PABFX 230.0% 314 0.86%
Prudential Moderate Allocation A JDTAX 19.0% 140 1.71%
Prudential Moderate Allocation Z JDMZX 19.0% 140 1.46%
Putnam Capital Spectrum Fund Class A PVSAX 117.0% 1,000 1.38%
Putnam Capital Spectrum Fund Class Y PVSYX 117.0% 1,000 1.13%
Putnam Dynamic Asset Allocation Bal A PABAX 158.0% 1,200 1.07%
Putnam Dynamic Asset Allocation Bal M PABMX 158.0% 1,200 1.57%
Putnam Dynamic Asset Allocation Bal Y PABYX 158.0% 1,200 0.82%
RidgeWorth Moderate Allocation Strat A SVMAX 38.0% 167 1.25%
Russell LifePoints Bal Strat A RBLAX 9.0% 4,000 1.34%
Russell LifePoints Bal Strat E RBLEX 9.0% 4,000 1.34%
Russell LifePoints Bal Strat R1 RBLRX 9.0% 4,000 0.94%
Russell LifePoints Bal Strat R2 RBLTX 9.0% 4,000 1.19%
Russell LifePoints Bal Strat S RBLSX 9.0% 4,000 1.09%
Russell LifePoints Bal Strat S RBLSZ 9.0% 4,000 1.09%
Schwab Balanced SWOBX 53.0% 102 0.64%
Schwab MarketTrack Balanced Investor SWBGX 25.0% 414 0.69%
Sentinel Balanced A SEBLX 162.0% 230 1.13%
Sentinel Balanced A SEBSZ 162.0% 230 1.13%
Sentinel Balanced I SIBLX 162.0% 230 1.09%
T. Rowe Price Balanced RPBAX 57.9% 3,100 0.66%
T. Rowe Price Capital Appreciation PRWCX 81.3% 12,300 0.72%
T. Rowe Price Capital Appreciation Adv PACLX 81.3% 12,300 1.01%
T. Rowe Price Personal Strat Balanced TRPBX 55.1% 1,500 0.76%
Target Conservative Allocation A PCGAX 188.0% 116 1.53%
Target Conservative Allocation R SPCTZ 188.0% 116 1.78%
Target Conservative Allocation Z PDCZX 188.0% 116 1.28%
TIAA-CREF Managed Allc Inst TIMIX 10.0% 562 0.42%
TIAA-CREF Managed Allc Retail TIMRX 10.0% 562 0.67%
Transamerica Asset Allc Moderate A IMOAX 23.0% 2,100 1.40%
Transamerica Asset Allc Moderate I TMMIX 23.0% 2,100 1.10%
Transamerica Multi-Mgd Balanced A IBALX 263.0% 348 1.44%
Transamerica Multi-Mgd Balanced I TBLIX 263.0% 348 1.01%
UBS US Allocation Y PWTYX 157.0% 276 0.73%
Value Line Income & Growth VALIX 57.0% 294 1.15%
Vanguard Balanced Index Instl VBAIX 67.0% 15,900 0.08%
Vanguard Balanced Index Inv VBINX 67.0% 15,900 0.24%
Vanguard Balanced Index Signal VBASX 67.0% 15,900 0.10%
Vanguard LifeStrategy Moderate Gr Inv VSMGX 32.0% 8,200 0.16%
Vanguard STAR Inv VGSTX 24.0% 14,000 0.34%
Vanguard Wellington Adm VWENX 38.0% 59,300 0.19%
Vanguard Wellington Inv VWELX 38.0% 59,300 0.27%
Villere Balanced Inv VILLX 40.0% 161 0.99%
Wells Fargo Advantage Growth Balanced A WFGBX 70.0% 279 1.20%
Wells Fargo Advantage Growth Balanced Ad NVGBX 70.0% 279 0.95%



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Why Are These Metrics Important?


Turnover
Turnover represents how much of a mutual fund's holdings are changed over the course of a year through buying and selling. Active mutual funds have an average turnover rate of about 85%, meaning that funds are turning over nearly all of their holdings every year. A high turnover means you could make lower returns because: 1) buying and selling stocks costs money through commissions and spreads and 2) the fund will distribute yearly capital gains which increases your taxes. Look for funds with turnover rates below 50%. For comparison, ETF turnover rates average around 10% or lower.

Assets
Generally, smaller funds do better than larger ones. The more assets in a mutual fund, the lower the chance that it will beat its index. Managers outperform an index by choosing stocks that are undervalued. In order to find these undervalued stocks, the manager has to know more than his competitors to develop an "edge." There are only a finite number of stocks a mutual fund manager can reasonably analyze and actively track to gain such a competitive edge. When the fund has more assets, the manager must analyze large companies because he needs to take larger positions. Large companies are more efficiently priced in the market and it becomes increasingly difficult to get an edge.

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  14. collect or store personal data about other users in connection with the prohibited conduct and activities set forth in paragraphs a through m above.

You acknowledge that MarketRiders may or may not pre-screen Content, but that MarketRiders and its designees shall have the right (but not the obligation) in their sole discretion to pre-screen, refuse, or move any Content that is available via the Service. Without limiting the foregoing, MarketRiders and its designees shall have the right to remove any Content that violates the TOS or is otherwise objectionable. You agree that you must evaluate, and bear all risks associated with, the use of any Content, including any reliance on the accuracy, completeness, or usefulness of such Content. In this regard, you acknowledge that you may not rely on any Content created by MarketRiders or submitted to MarketRiders, including without limitation information in MarketRiders Message Boards and in all other parts of the Service.

You acknowledge, consent and agree that MarketRiders may access, preserve and disclose your account information and Content if required to do so by law or in a good faith belief that such access preservation or disclosure is reasonably necessary to: (a) comply with legal process; (b) enforce the TOS; (c) respond to claims that any Content violates the rights of third parties; (d) respond to your requests for customer service; or (e) protect the rights, property or personal safety of MarketRiders, its users and the public.

You understand that the technical processing and transmission of the Service, including your Content, may involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices.

You understand that the Service and software embodied within the Service may include security components that permit digital materials to be protected, and that use of these materials is subject to usage rules set by MarketRiders and/or content providers who provide content to the Service. You may not attempt to override or circumvent any of the usage rules embedded into the Service. Any unauthorized reproduction, publication, further distribution or public exhibition of the materials provided on the Service, in whole or in part, is strictly prohibited.

6. INTERSTATE NATURE OF COMMUNICATIONS ON MARKETRIDERS NETWORK

When you register with MarketRiders, you acknowledge that in using MarketRiders services to send electronic communications (including but not limited to email, search queries, sending messages to MarketRiders blogs, Q and A, Research Library or MarketRiders Groups, uploading photos and files to MarketRiders Photos or Briefcase, and other Internet activities), you will be causing communications to be sent through MarketRiders's computer networks, portions of which are located in California, Texas, Virginia, and other locations in the United States and portions of which are located abroad. As a result, and also as a result of MarketRiders's network architecture and business practices and the nature of electronic communications, even communications that seem to be intrastate in nature can result in the transmission of interstate communications regardless of where you are physically located at the time of transmission. Accordingly, by agreeing to this Terms of Service, you acknowledge that use of the service results in interstate data transmissions.

7. SPECIAL ADMONITIONS FOR INTERNATIONAL USE

Recognizing the global nature of the Internet, you agree to comply with all local rules regarding online conduct and acceptable Content. Specifically, you agree to comply with all applicable laws regarding the transmission of technical data exported from the United States or the country in which you reside.

8. CONTENT SUBMITTED OR MADE AVAILABLE FOR INCLUSION ON THE SERVICE

MarketRiders does not claim ownership of Content you submit or make available for inclusion on the Service. However, with respect to Content you submit or make available for inclusion on publicly accessible areas of the Service, you grant MarketRiders the following worldwide, royalty-free and non-exclusive license(s), as applicable:


  • With respect to Content you submit or make available for inclusion on publicly accessible areas of MarketRiders, the license to use, distribute, reproduce, modify, adapt, publicly perform and publicly display such Content on the Service solely for the purposes of providing and promoting the specific MarketRiders to which such Content was submitted or made available. This license exists only for as long as you elect to continue to include such Content on the Service and will terminate at the time you remove or MarketRiders removes such Content from the Service.
  • With respect to photos, graphics, audio or video you submit or make available for inclusion on publicly accessible areas of the Service other than MarketRiders, the license to use, distribute, reproduce, modify, adapt, publicly perform and publicly display such Content on the Service solely for the purpose for which such Content was submitted or made available. This license exists only for as long as you elect to continue to include such Content on the Service and will terminate at the time you remove or MarketRiders removes such Content from the Service.
  • With respect to Content other than photos, graphics, audio or video you submit or make available for inclusion on publicly accessible areas of the Service other than MarketRiders, the perpetual, irrevocable and fully sublicensable license to use, distribute, reproduce, modify, adapt, publish, translate, publicly perform and publicly display such Content (in whole or in part) and to incorporate such Content into other works in any format or medium now known or later developed.

"Publicly accessible" areas of the Service are those areas of the MarketRiders network of properties that are intended by MarketRiders to be available to the general public. By way of example, publicly accessible areas of the Service would include MarketRiders Message Boards and portions of MarketRiders that are open to both members and visitors.

9. INDEMNITY

You agree to indemnify and hold MarketRiders and its subsidiaries, affiliates, officers, agents, employees, partners and licensors harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of Content you submit, post, transmit or otherwise make available through the Service, your use of the Service, your connection to the Service, your violation of the TOS, or your violation of any rights of another.

10. NO RESALE OF SERVICE

You agree not to reproduce, duplicate, copy, sell, trade, resell or exploit for any commercial purposes, any portion of the Service (including your MarketRiders ID), use of the Service, or access to the Service.

11. GENERAL PRACTICES REGARDING USE AND STORAGE

You acknowledge that MarketRiders may establish general practices and limits concerning use of the Service, including without limitation the maximum number of days that messages, message board postings or other uploaded Content will be retained by the Service, the maximum number of messages that may be sent from or received by an account on the Service, the maximum size of any message that may be sent from or received by an account on the Service, the maximum disk space that will be allotted on MarketRiders's servers on your behalf, and the maximum number of times (and the maximum duration for which) you may access the Service in a given period of time. You agree that MarketRiders has no responsibility or liability for the deletion or failure to store any messages and other communications or other Content maintained or transmitted by the Service. You acknowledge that MarketRiders reserves the right to log off accounts that are inactive for an extended period of time. You further acknowledge that MarketRiders reserves the right to modify these general practices and limits from time to time.

12. MODIFICATIONS TO SERVICE

MarketRiders reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. You agree that MarketRiders shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Service.

13. TERMINATION

You agree that MarketRiders may, under certain circumstances and without prior notice, immediately terminate your MarketRiders account, any associated email address, and access to the Service. Cause for such termination shall include, but not be limited to, (a) breaches or violations of the TOS or other incorporated agreements or guidelines, (b) requests by law enforcement or other government agencies, (c) a request by you (self-initiated account deletions), (d) discontinuance or material modification to the Service (or any part thereof), (e) unexpected technical or security issues or problems, (f) extended periods of inactivity, (g) engagement by you in fraudulent or illegal activities, and/or (h) nonpayment of any fees owed by you in connection with the Services. Termination of your MarketRiders account includes (a) removal of access to all offerings within the Service, (b) deletion of your password and all related information, files and content associated with or inside your account (or any part thereof), and (c) barring of further use of the Service. Further, you agree that all terminations for cause shall be made in MarketRiders's sole discretion and that MarketRiders shall not be liable to you or any third party for any termination of your account, any associated email address, or access to the Service.

14. DEALINGS WITH ADVERTISERS

Your correspondence or business dealings with, or participation in promotions of, advertisers found on or through the Service, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such advertiser. You agree that MarketRiders shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such advertisers on the Service.

15. LINKS

The Service may provide, or third parties may provide, links to other World Wide Web sites or resources. Because MarketRiders has no control over such sites and resources, you acknowledge and agree that MarketRiders is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any Content, advertising, products or other materials on or available from such sites or resources. You further acknowledge and agree that MarketRiders shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such Content, goods or services available on or through any such site or resource.

16. MARKETRIDERS'S PROPRIETARY RIGHTS

You acknowledge and agree that the Service and any necessary software used in connection with the Service ("Software") contain proprietary and confidential information that is protected by applicable intellectual property and other laws. You further acknowledge and agree that Content contained in sponsor advertisements or information presented to you through the Service or by advertisers is protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws. Except as expressly authorized by MarketRiders or advertisers, you agree not to modify, rent, lease, loan, sell, distribute or create derivative works based on the Service or the Software, in whole or in part.

MarketRiders grants you a personal, non-transferable and non-exclusive right and license to use the object code of its Software on a single computer; provided that you do not (and do not allow any third party to) copy, modify, create a derivative work from, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, grant a security interest in or otherwise transfer any right in the Software. You agree not to modify the Software in any manner or form, nor to use modified versions of the Software, including (without limitation) for the purpose of obtaining unauthorized access to the Service. You agree not to access the Service by any means other than through the interface that is provided by MarketRiders for use in accessing the Service.

17. DISCLAIMER OF WARRANTIES

YOU EXPRESSLY UNDERSTAND AND AGREE THAT:

  1. YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. MARKETRIDERS AND ITS SUBSIDIARIES, AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, PARTNERS AND LICENSORS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
  2. MARKETRIDERS AND ITS SUBSIDIARIES, AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, PARTNERS AND LICENSORS MAKE NO WARRANTY THAT (i) THE SERVICE WILL MEET YOUR REQUIREMENTS; (ii) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE; (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE; (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICE WILL MEET YOUR EXPECTATIONS; AND (v) ANY ERRORS IN THE SOFTWARE WILL BE CORRECTED.
  3. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS ACCESSED AT YOUR OWN DISCRETION AND RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.
  4. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM MARKETRIDERS OR THROUGH OR FROM THE SERVICE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THE TOS.
  5. A SMALL PERCENTAGE OF USERS MAY EXPERIENCE EPILEPTIC SEIZURES WHEN EXPOSED TO CERTAIN LIGHT PATTERNS OR BACKGROUNDS ON A COMPUTER SCREEN OR WHILE USING THE SERVICE. CERTAIN CONDITIONS MAY INDUCE PREVIOUSLY UNDETECTED EPILEPTIC SYMPTOMS EVEN IN USERS WHO HAVE NO HISTORY OF PRIOR SEIZURES OR EPILEPSY. IF YOU, OR ANYONE IN YOUR FAMILY, HAVE AN EPILEPTIC CONDITION, CONSULT YOUR PHYSICIAN PRIOR TO USING THE SERVICE. IMMEDIATELY DISCONTINUE USE OF THE SERVICE AND CONSULT YOUR PHYSICIAN IF YOU EXPERIENCE ANY OF THE FOLLOWING SYMPTOMS WHILE USING THE SERVICE: DIZZINESS, ALTERED VISION, EYE OR MUSCLE TWITCHES, LOSS OF AWARENESS, DISORIENTATION, ANY INVOLUNTARY MOVEMENT, OR CONVULSIONS.

18. LIMITATION OF LIABILITY

YOU EXPRESSLY UNDERSTAND AND AGREE THAT MARKETRIDERS AND ITS SUBSIDIARIES, AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, PARTNERS AND LICENSORS SHALL NOT BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF MARKETRIDERS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE SERVICE; (ii) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SERVICE; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICE; OR (v) ANY OTHER MATTER RELATING TO THE SERVICE.

19. EXCLUSIONS AND LIMITATIONS

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OF SECTIONS 16 AND 17 MAY NOT APPLY TO YOU.

20. SPECIAL ADMONITION FOR SERVICES RELATING TO FINANCIAL MATTERS

If you intend to create or join any service, receive or request any news, messages, alerts or other information from the Service concerning companies, ETF quotes, investments or securities, please read the above Sections 17 and 18 again. They go doubly for you. In addition, for this type of information particularly, the phrase "Let the investor beware" is apt. The Service is provided for informational purposes only, and no Content included in the Service is intended for trading or investing purposes. MarketRiders and its licensors shall not be responsible or liable for the accuracy, usefulness or availability of any information transmitted or made available via the Service, and shall not be responsible or liable for any trading or investment decisions based on such information.

21. NO THIRD-PARTY BENEFICIARIES

You agree that, except as otherwise expressly provided in this TOS, there shall be no third-party beneficiaries to this agreement.

22. NOTICE

MarketRiders may provide you with notices, including those regarding changes to the TOS, by email, regular mail or postings on the Service.

23. NOTICE AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT OR INTELLECTUAL PROPERTY INFRINGEMENT

MarketRiders respects the intellectual property of others, and we ask our users to do the same. MarketRiders may, in appropriate circumstances and at its discretion, disable and/or terminate the accounts of users who may be repeat infringers. If you believe that your work has been copied in a way that constitutes copyright infringement, or your intellectual property rights have been otherwise violated, please provide MarketRiders's with the following information:


  1. an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or other intellectual property interest;
  2. a description of the copyrighted work or other intellectual property that you claim has been infringed;
  3. a description of where the material that you claim is infringing is located on the site;
  4. your address, telephone number, and email address;
  5. a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;
  6. a statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright or intellectual property owner or authorized to act on the copyright or intellectual property owner's behalf.

MarketRiders's contact info for claims of copyright or other intellectual property infringement is as follows:

James Alan Cook
731A Emerson Street
Palo Alto, CA 94301
By email:

24. GENERAL INFORMATION

Entire Agreement.
The TOS constitutes the entire agreement between you and MarketRiders and governs your use of the Service, superseding any prior agreements between you and MarketRiders with respect to the Service. You also may be subject to additional terms and conditions that may apply when you use or purchase certain other MarketRiders services, affiliate services, third-party content or third-party software.

Choice of Law and Forum.
The TOS and the relationship between you and MarketRiders shall be governed by the laws of the State of New York without regard to its conflict of law provisions. You and MarketRiders agree to submit to the personal and exclusive jurisdiction of the courts located within the county of New York, New York.

Waiver and Severability of Terms.
The failure of MarketRiders to exercise or enforce any right or provision of the TOS shall not constitute a waiver of such right or provision. If any provision of the TOS is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the TOS remain in full force and effect.

No Right of Survivorship and Non-Transferability.
You agree that your MarketRiders account is non-transferable and any rights to your MarketRiders ID or contents within your account terminate upon your death. Upon receipt of a copy of a death certificate, your account may be terminated and all contents therein permanently deleted.

Statute of Limitations.
You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Service or the TOS must be filed within one (1) year after such claim or cause of action arose or be forever barred.

The section titles in the TOS are for convenience only and have no legal or contractual effect.

25. VIOLATIONS

Please be advised that the answers provided by any member of the MarketRiders community represents his or own opinions, and that MarketRiders will not assess, verify or guarantee the suitability or profitability of any particular investment. You should not rely solely upon information provided on this page for purposes of transacting securities or other investments. You bear responsibility for your own investment research and decisions and should seek the advice of a qualified securities professional before making any investment.

Please report any violations of the TOS to us via the contact form.