FTBRX - Fidelity Advisor Intermediate Bond T

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Fidelity Advisor Intermediate Bond T (FTBRX)
Expense Ratio: 0.80%
Expected Lifetime Fees: $24,322.95


The Fidelity Advisor Intermediate Bond T fund (FTBRX) is a Intermediate-Term Bond fund started on 9/10/1992 and has $623.40 million in assets under management. The current manager has been running Fidelity Advisor Intermediate Bond T since 12/23/2004. The fund is rated by Morningstar. In addition to trading fees and broker commissions, this fund has 12b-1 fees of 0.25%

MarketRiders Prefers The Following ETF

Vanguard Intermediate-Term Bond ETF (BIV)
Expense Ratio: 0.11%
Expected Lifetime Fees: $3,595.26


The Vanguard Intermediate-Term Bond ETF (BIV) is an Exchange Traded Fund. It is a "basket" of securities that index the Intermediate-Term Bond investment strategy and is an alternative to a Intermediate-Term Bond mutual fund. Fees are very low compared to a comparable mutual fund like Fidelity Advisor Intermediate Bond T because computers automatically manage the stocks.




The Following Intermediate-Term Bond Funds Have Lower Fees Than Fidelity Advisor Intermediate Bond T (FTBRX). Why are these metrics important?
Mutual Fund Name Ticker Symbol Turnover Assets (M) Annual Fees
AllianceBern Interm Bond Adv ABQYX 115.0% 548 0.55%
AllianceBern Interm Bond I ABQIX 115.0% 548 0.55%
American Beacon Intermediate Bd Instl AABDX 75.0% 419 0.36%
American Beacon Intermediate Bond Fund Class Y ACTYX 75.0% 419 0.65%
American Beacon Intermediate Bond Fund Investor Class ABIPX 75.0% 419 0.79%
American Century Core Plus Instl ACCUX 91.0% 250 0.46%
American Century Core Plus Inv ACCNX 91.0% 250 0.66%
American Century Diversified Bond Instl ACBPX 91.0% 5,500 0.41%
American Century Diversified Bond Inv ADFIX 91.0% 5,500 0.61%
American Funds Bond Fund of Amer A ABNDX 154.0% 33,500 0.60%
American Funds Bond Fund of Amer F-1 BFAFX 154.0% 33,500 0.63%
American Funds Bond Fund of Amer F-2 ABNFX 154.0% 33,500 0.36%
American Funds Bond Fund of Amer R4 RBFEX 154.0% 33,500 0.62%
American Funds Bond Fund of Amer R5 RBFFX 154.0% 33,500 0.32%
American Funds Bond Fund of Amer R6 RBFGX 154.0% 33,500 0.27%
Artio Total Return Bond A BJBGX 219.0% 2,100 0.69%
Artio Total Return Bond I JBGIX 219.0% 2,100 0.44%
Ave Maria Bond AVEFX 27.0% 100 0.71%
Baird Aggregate Bond Inst BAGIX 45.9% 1,600 0.30%
Baird Aggregate Bond Inv BAGSX 45.9% 1,600 0.55%
Baird Core Plus Bond Inst BCOIX 34.6% 1,700 0.30%
Baird Core Plus Bond Inv BCOSX 34.6% 1,700 0.55%
Baird Intermediate Bond Inst BIMIX 24.1% 763 0.30%
Baird Intermediate Bond Inv BIMSX 24.1% 763 0.55%
BBH Broad Market N BBBMX 28.0% 2,600 0.51%
Bernstein Intermediate Dur Inst SIIDX 121.0% 1,100 0.45%
Bernstein Intermediate Duration SNIDX 110.0% 4,900 0.56%
BlackRock Bond Allc Tgt Shares Ser C BRACX 41.0% 349 0.00%
BlackRock Bond Allc Tgt Shares Ser M BRAMX 523.0% 321 0.03%
BlackRock Bond Allc Tgt Shares Ser S BRASX 192.0% 134 0.01%
BlackRock Bond Index K WFBIX 122.0% 145 0.20%
BlackRock Core Bond BlackRock CCBBX 726.0% 3,200 0.45%
BlackRock Core Bond Instl BFMCX 726.0% 3,200 0.56%
BlackRock Total Return BlackRock MPHQX 1.0% 2,800 0.41%
BlackRock Total Return Instl MAHSZ 1.0% 2,800 0.56%
BNY Mellon Bond M MPBFX 86.8% 1,300 0.55%
BNY Mellon Interm Bond M MPIBX 45.2% 967 0.55%
Brown Advisory Intermediate Income A BIATX 84.0% 315 0.73%
Brown Advisory Intermediate Income Instl BIAIX 84.0% 315 0.53%
Calamos Total Return Bond I CTRIX 41.5% 231 0.65%
Calvert Bond I CBDIX 203.0% 768 0.52%
Calvert Income I CINCX 223.0% 1,600 0.56%
Columbia Bond Fund Class T CNDTX 136.0% 1,600 0.70%
Columbia Bond Z UMMGX 136.0% 1,600 0.55%
Columbia Corporate Income Z SRINX 183.0% 1,400 0.67%
Columbia Corporate Income Z SRITZ 183.0% 1,400 0.67%
Columbia Corporate Income Z SRN1Z 183.0% 1,400 0.67%
Columbia Diversified Bond R5 RSVBX 373.0% 3,100 0.54%
Columbia Intermediate Bond Z SRB1Z 170.0% 2,900 0.59%
Columbia Intermediate Bond Z SRBFX 170.0% 2,900 0.59%
Columbia Intermediate Bond Z SRBTZ 170.0% 2,900 0.59%
CRA Qualified Investment Instl CRANX 40.0% 1,300 0.51%
Delaware Core Plus Bond I DUGIX 293.0% 201 0.65%
Delaware Corporate Bond Inst DGCIX 204.0% 1,300 0.69%
Delaware Diversified Income Instl DPFFX 237.0% 9,100 0.67%
DFA Intermediate-Term Extended Quality Portfolio Institutional Class Shares DFTEX 15.0% 635 0.22%
Dodge & Cox Income DODIX 27.0% 25,100 0.43%
Dodge & Cox Income DODTZ 27.0% 25,100 0.43%
DoubleLine Core Fixed Income Fund Class I DBLFX 81.0% 2,400 0.50%
DoubleLine Core Fixed Income Fund Class N DLFNX 81.0% 2,400 0.75%
DoubleLine Total Return Bond Fund Class I DBLTX 15.0% 25,400 0.50%
DoubleLine Total Return Bond Fund Class N DLTNX 15.0% 25,400 0.75%
Dreyfus Bond Market Index Basic DBIRX 30.0% 2,400 0.15%
Dreyfus Bond Market Index Inv DBMIX 30.0% 2,400 0.40%
Dreyfus Intermediate Term Inc I DITIX 371.2% 1,100 0.55%
Dreyfus/Standish Fixed-Income I SDFIX 400.3% 222 0.56%
DWS Core Fixed Income Inst MFINX 384.0% 389 0.68%
DWS Core Fixed Income S SFXSX 384.0% 389 0.78%
DWS Core Plus Income Inst SZIIX 379.0% 309 0.70%
DWS Core Plus Income S SCS1Z 379.0% 309 0.71%
DWS Core Plus Income S SCSBX 379.0% 309 0.71%
DWS US Bond Index A BONDX 146.0% 413 0.71%
DWS US Bond Index Inst BTUSX 146.0% 413 0.39%
DWS US Bond Index S BONSX 146.0% 413 0.45%
Eagle Investment Grade Bond I EGBLX 78.0% 129 0.60%
Eagle Investment Grade Bond R5 EGBTX 78.0% 129 0.60%
Federated Intermediate Corp Bd Instl FIIFX 22.0% 425 0.57%
Federated Total Return Bond Instl FTRBX 63.0% 7,400 0.36%
Federated Total Return Bond Svc FTRFX 63.0% 7,400 0.66%
Fidelity Advisor Corporate Bond Fund Class T FCBTX 242.0% 359 0.75%
Fidelity Advisor Intermediate Bond I EFIPX 108.0% 623 0.58%
Fidelity Advisor Investment Gr Bd I FGBPX 275.0% 5,000 0.48%
Fidelity Advisor Mortgage Securities I FMSCX 490.0% 885 0.53%
Fidelity Advisor Mortgage Securities T FMSAX 490.0% 885 0.79%
Fidelity Advisor Total Bond I FEPIX 168.0% 14,300 0.54%
Fidelity Corporate Bond Fund FCBFX 242.0% 359 0.45%
Fidelity Intermediate Bond FTHRX 102.0% 4,200 0.45%
Fidelity Investment Grade Bond FBNDX 275.0% 5,000 0.45%
Fidelity Mortgage Secs FMSFX 490.0% 885 0.45%
Fidelity Spartan US Bond Index Fund Fidelity Advantage Class FSITX 106.0% 14,800 0.11%
Fidelity Total Bond FTBFX 168.0% 14,300 0.45%
Fifth Third Total Return Bond Instl KNIIX 60.0% 222 0.64%
Franklin Strategic Mortgage A1 FSMTZ 539.8% 118 0.66%
Franklin Total Return Adv FBDAX 255.6% 4,600 0.64%
Frost Total Return Bond A FATRX 58.0% 763 0.77%
Frost Total Return Bond Inst FIJEX 58.0% 763 0.52%
GE Instl Income Inv GFIIX 393.0% 405 0.23%
GE Instl Income Svc GEISX 393.0% 405 0.48%
Goldman Sachs Core Fxd-Inc Instl GSFIX 687.0% 1,600 0.47%
Goldman Sachs Core Plus Fixed Income I GSNIX 767.0% 350 0.49%
Goldman Sachs Invest Grade Credit A GSGAX 120.0% 549 0.71%
Goldman Sachs Invest Grade Credit A GSHSZ 120.0% 549 0.71%
Goldman Sachs Invest Grade Credit Inst GSGDX 120.0% 549 0.37%
Hancock Horizon Core Bond Instl HHBTX 26.0% 208 0.79%
Harbor Bond Instl HABDX 666.0% 7,500 0.55%
Hartford Total Return Bond I ITBIX 131.0% 1,900 0.62%
Hartford Total Return Bond R5 ITBTX 131.0% 1,900 0.59%
Hartford Total Return Bond Y HABYX 131.0% 1,900 0.48%
HighMark Bond Fid HMBDX 58.0% 393 0.72%
ICON Bond S IOBZX 32.1% 100 0.75%
ING Intermediate Bond A IIBAX 500.0% 861 0.68%
ING Intermediate Bond A IIBCZ 500.0% 861 0.68%
ING Intermediate Bond I IICIX 500.0% 861 0.38%
Invesco Van Kampen Corporate Bond Y ACCHX 69.0% 972 0.67%
ISI North American Government Bond Fund Class I NORIX 46.0% 165 0.78%
Janus Flexible Bond Fund Class A JDFAX 147.0% 5,100 0.77%
Janus Flexible Bond Fund Class I JFLEX 147.0% 5,100 0.56%
Janus Flexible Bond T JAFIX 147.0% 5,100 0.71%
JHancock Bond I JHBIX 73.0% 1,300 0.60%
JPMorgan Mortgage-Backed Securities A OMBAX 21.0% 3,500 0.66%
JPMorgan Mortgage-Backed Securities Sel OMBIX 21.0% 3,500 0.41%
LKCM Fixed-Income LKFIX 24.0% 197 0.65%
Loomis Sayles Core Plus Bond Y NERYX 86.0% 1,100 0.62%
Loomis Sayles Investment Grade Bond Y LSIIX 19.0% 11,100 0.56%
Loomis Sayles Investment Grade Bond Y LSNTZ 19.0% 11,100 0.56%
Lord Abbett Core Fixed Income I LCRYX 668.7% 1,000 0.67%
Lord Abbett Income A LAGCZ 149.3% 1,600 0.78%
Lord Abbett Income I LAUYX 149.3% 1,600 0.58%
Lord Abbett Total Return I LTRYX 645.0% 1,900 0.63%
Madison Mosaic Institutional Bond Y MIIBX 9.0% 109 0.49%
MainStay Indexed Bond A MIXAX 106.0% 497 0.78%
MainStay Indexed Bond I MIXIX 106.0% 497 0.43%
MainStay Indexed Bond I MIXSZ 106.0% 497 0.43%
MainStay Intermediate Term Bond I MTMIX 104.0% 781 0.60%
Managers Fixed Income Inst MFDYX 28.0% 143 0.60%
Managers PIMCO Bond MBDFX 495.0% 1,300 0.59%
Manning & Napier Core Bond Fund EXCRX 18.0% 170 0.72%
Manning & Napier Core Plus Bond Fund EXCPX 35.0% 603 0.76%
MEMBERS Bond Y MBOYX 12.0% 145 0.65%
Metropolitan West Intermediate Bond I MWIIX 145.0% 290 0.45%
Metropolitan West Intermediate Bond M MWIMX 145.0% 290 0.66%
Metropolitan West Total Return Bond I MWTIX 156.0% 20,500 0.43%
Metropolitan West Total Return Bond M MWTRX 156.0% 20,500 0.64%
MFS Bond I MBDIX 58.0% 2,400 0.60%
MFS Bond R4 MFBJX 58.0% 2,400 0.60%
MFS Research Bond I MRBIX 67.0% 3,300 0.65%
MFS Research Bond R4 MRBJX 67.0% 3,300 0.65%
Morgan Stanley Inst Core Plus FI Instl MPFIX 225.0% 253 0.66%
Munder Bond A MUCAX 258.0% 112 0.67%
Munder Bond Y MUCYX 258.0% 112 0.42%
Nationwide Bond Index A GBIAX 118.0% 1,400 0.68%
Neuberger Berman Core Bond Inst NCRLX 379.0% 262 0.47%
Northern Bond Index NOBOX 129.3% 2,400 0.16%
Northern Fixed Income NOFIX 700.0% 1,600 0.46%
Nuveen Core Plus Bond A FAFIX 91.0% 817 0.78%
Nuveen Core Plus Bond I FFIIX 91.0% 817 0.53%
Nuveen Intermediate Term Bond A FAIIX 58.0% 656 0.78%
Nuveen Intermediate Term Bond I FINIX 58.0% 656 0.53%
Nuveen Strategic Income I FCBYX 98.0% 621 0.61%
Oppenheimer Core Bond Y OPBYX 94.0% 1,200 0.52%
Parnassus Fixed-Income PRFIX 29.3% 222 0.75%
Payden Core Bond PYC1Z 118.0% 623 0.56%
Payden Core Bond PYCBX 118.0% 623 0.56%
PIMCO Investment Grade Corp Bd Admin PGCAX 124.0% 7,700 0.75%
PIMCO Investment Grade Corp Bd Instl PIGIX 124.0% 7,700 0.50%
PIMCO Investment Grade Corp Bd P PBDPX 124.0% 7,700 0.60%
PIMCO Moderate Duration Instl PMDRX 391.0% 2,600 0.46%
PIMCO Moderate Duration P PMOPX 391.0% 2,600 0.56%
PIMCO Mortgage-Backed Securities Adm PMTAX 1.0% 536 0.75%
PIMCO Mortgage-Backed Securities Instl PTRIX 1.0% 536 0.50%
PIMCO Mortgage-Backed Securities P PMRPX 1.0% 536 0.60%
PIMCO Total Return Admin PTRAX 584.0% 260,900 0.71%
PIMCO Total Return D PTTDX 584.0% 260,900 0.75%
PIMCO Total Return Fund IV Institutional Class PTUIX 771.0% 725 0.50%
PIMCO Total Return II Admin PRADX 647.0% 3,300 0.75%
PIMCO Total Return II Instl PMBIX 647.0% 3,300 0.50%
PIMCO Total Return II P PMTPX 647.0% 3,300 0.60%
PIMCO Total Return III Admin PRFAX 522.0% 3,800 0.75%
PIMCO Total Return III Fund Class P PRAPX 522.0% 3,800 0.60%
PIMCO Total Return III Instl PTSAX 522.0% 3,800 0.50%
PIMCO Total Return Instl PTTRX 584.0% 260,900 0.46%
PIMCO Total Return P PTTPX 584.0% 260,900 0.56%
Pioneer Bond Y PICYX 36.0% 1,400 0.61%
PNC Bond I PFDIX 80.0% 187 0.59%
PNC Total Return Bond I PTVIX 76.0% 270 0.58%
Principal Income Inst PIOIX 16.9% 2,100 0.52%
Principal Preferred Securities Inst PPSIX 16.8% 3,800 0.76%
Principal Preferred Securities P PPSPX 16.8% 3,800 0.76%
Prudential Total Return Bond Z PDBZX 242.0% 1,900 0.60%
Putnam Income Y PNCYX 339.0% 1,400 0.62%
Rainier Intermediate Fixed-Income Portfolio Fund RIMFX 32.7% 106 0.55%
RidgeWorth Core Bond Fund A STGIX 211.0% 489 0.62%
RidgeWorth Core Bond Fund I STIGX 211.0% 489 0.35%
RidgeWorth Intermediate Bond A IBASX 139.0% 1,200 0.60%
RidgeWorth Intermediate Bond I SAMIX 139.0% 1,200 0.34%
RidgeWorth Total Return Bond A CBPSX 170.0% 1,200 0.60%
RidgeWorth Total Return Bond I SAMFX 170.0% 1,200 0.35%
RS Investment Quality Bond Fund Class Y RSQYX 113.0% 213 0.66%
Russell Investment Grade Bond E RFAEX 187.0% 1,900 0.77%
Russell Investment Grade Bond I RFASX 187.0% 1,900 0.48%
Russell Investment Grade Bond I RFASZ 187.0% 1,900 0.48%
Russell Investment Grade Bond S RFATX 187.0% 1,900 0.56%
Russell Investment Grade Bond S RFATZ 187.0% 1,900 0.56%
Russell Strategic Bond I RFCSX 233.0% 8,300 0.71%
Russell Strategic Bond I RFCSZ 233.0% 8,300 0.71%
Russell Strategic Bond S RFCTX 233.0% 8,300 0.77%
Russell Strategic Bond S RFCTZ 233.0% 8,300 0.77%
Schwab Premier Income SWIIX 294.0% 424 0.61%
Schwab Total Bond Market SWLBX 166.0% 973 0.29%
Scout Core Bond I SCCIX 564.0% 168 0.40%
Scout Core Plus Bond Instl SCPZX 623.0% 454 0.40%
Spartan U.S. Bond Index Investor FBIDX 106.0% 14,800 0.22%
Sterling Capital Total Return Bond I BIBTX 131.9% 557 0.59%
T. Rowe Price Instl Core Plus TICPX 121.5% 188 0.42%
T. Rowe Price Instl Core Plus F PFCPX 121.5% 188 0.57%
T. Rowe Price New Income PRCIX 110.7% 17,500 0.64%
T. Rowe Price U.S. Bond Enhanced Index PBDIX 112.8% 1,000 0.30%
Target Total Return Bond T TATBX 243.0% 426 0.65%
TCW Core Fixed-Income I TGCFX 280.5% 856 0.44%
TCW Core Fixed-Income N TGFNX 280.5% 856 0.78%
TCW Total Return Bond I TGLMX 141.3% 5,800 0.44%
TCW Total Return Bond N TGMNX 141.3% 5,800 0.74%
TIAA-CREF Bond Instl TIBDX 402.0% 2,300 0.33%
TIAA-CREF Bond Plus Inst TIBFX 221.0% 1,100 0.35%
TIAA-CREF Bond Plus R TCBRX 221.0% 1,100 0.60%
TIAA-CREF Bond Plus Retail TCBPX 221.0% 1,100 0.59%
TIAA-CREF Bond R TIDRX 402.0% 2,300 0.58%
TIAA-CREF Bond Retail TIORX 402.0% 2,300 0.52%
Vanguard Interm-Term Bond Index Inv VBIIX 61.0% 15,600 0.22%
Vanguard Interm-Term Bond Index Signal VIBSX 61.0% 15,600 0.11%
Vanguard Interm-Term Investment-Grade Ad VFIDX 49.0% 17,400 0.10%
Vanguard Interm-Term Invmt-Grade Inv VFICX 49.0% 17,400 0.20%
Vanguard Interm-Tm Corp Bd Idx Signal VICSX 80.0% 2,400 0.14%
Vanguard Mortgage-Backed Sec Idx Signal VMBSX 344.0% 209 0.15%
Vanguard Total Bond Market Idx Instl Pls VBMPX 73.0% 110,100 0.05%
Vanguard Total Bond Market Index Inst VBTIX 73.0% 110,100 0.07%
Vanguard Total Bond Market Index Inv VBMFX 73.0% 110,100 0.22%
Vanguard Total Bond Market Index Signal VBTSX 73.0% 110,100 0.10%
Virtus Bond I SAVYX 169.0% 163 0.79%
Wells Fargo Advantage Income Plus Fund Administrator Class WIPDX 215.0% 737 0.74%
Wells Fargo Advantage Income Plus I WIP2Z 215.0% 737 0.56%
Wells Fargo Advantage Ttl Return Bond Ad MNTRX 761.0% 3,400 0.70%
Wells Fargo Advantage Ttl Return Bond I MBFIX 761.0% 3,400 0.42%
Westcore Plus Bond WTIBX 42.0% 1,700 0.55%
Westcore Plus Bond Institutional WIIBX 42.0% 1,700 0.41%
Western Asset Core Bond FI WAPIX 556.0% 3,000 0.75%
Western Asset Core Bond I WATFX 556.0% 3,000 0.52%
Western Asset Core Plus Bond FI WACIX 734.0% 9,400 0.78%
Western Asset Core Plus Bond I WACPX 734.0% 9,400 0.45%
Western Asset Core Plus Bond IS WAPSX 734.0% 9,400 0.43%
William Blair Bond I WBFIX 28.0% 266 0.50%
William Blair Bond Inst BBFIX 28.0% 266 0.35%
William Blair Bond N WBBNX 28.0% 266 0.65%



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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.

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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.