Write an article based on this "Understand commodity futures mutual funds. Understand commodity-related Exchange-Traded Funds (ETFs). Buy commodity mutual fund shares or ETFs."
article: Like their stock counterparts, futures mutual funds are a diversified portfolio of different commodity futures managed by a professional advisor for a fee. Managers determine which futures to buy or sell and the timing of the transactions. Most funds are highly leveraged to increase return. The portfolio might be broad including all commodity classes or limited to specific types such as grains or precious metals. Management fees typically are 1.5% or higher of the fund's asset value. Mutual funds let investors participate in the commodities market without having to get directly involved with trading highly leveraged commodities. Also, since commodity mutual funds also make investments in stocks related to the commodities, sometimes they still perform well even if a commodity itself is experiencing a negative price movement. For example, stocks in a mining company may rise even though the price of the commodity they mine is falling. This is because the stock value of the companies related to the commodities are affected not only by the price of the commodity, but also by their own debt and cash flow. Major investment companies that sell commodity index funds include Pimco Real Return Strategy Fund, Oppenheimer, Barclays and JP Morgan. Commodity mutual funds are advantageous because they are professional managed and diversified, providing a full package to inexperienced investors. A Commodity ETF is a managed portfolio of physical commodities or commodity futures designed to track either the spot price such as precious metals or an index of a specific commodities. For example, a Gold ETF might purchase and store gold in the form or coins or bullion while a Futures ETF would contain a series of futures contract designed to replicate the price movement of an index like the Dow Jones-USB Grains Subindex Total Return or the SummerHaven Dynamic Commodity Index Total Return. While assets within the ETF are rebalanced periodically to track the index more closely, active management is less intensive than a commodity mutual fund and less expensive with expense ratios of 1% or less. Commodity ETFs trade like a common stock on a stock exchange and undergo price changes frequently as they are bought and sold. ETFs usually have lower fees than mutual fund shares. However, ETFs also introduce credit risk, as their issuer may not be able to repay the promised amount under certain circumstances. Both commodity mutual funds and ETFs can be purchased through a regular online brokerage or an in-person broker. Mutual funds may have management fees and/or minimum investment amounts. Check with your brokerage for details.

Write an article based on this "Get the necessary supplies. Wash your hands with antibacterial soap. Dissolve some sea salt in warm water. Apply the saline with a cotton swab. Turn your head to the side and dip the piercing into the glass. Use a facial cleanser or hand soap to wash your face. Look for signs of infection."
article: If you don't have cotton balls, or want to try another cleaning method, you can create a little saline solution to clean the area of bacteria. Here's what you'll need: A small cup Anti-bacterial hand soap 1/2 tsp. sea salt 1/2 cup warm water Cotton swabs Only touch your piercing with recently cleaned hands. Then, wash your small cup with antibacterial soap before you get started. Rest on clean paper towel to let it dry thoroughly. Put about 5 tablespoons of very hot water in the cup, then add about 2.5 teaspoons of the sea salt and mix it up thoroughly to dissolve it. Let the salt water cool until you can touch it comfortably. Dip a cotton ball into the mixture to check the heat level, and apply it with the cotton. Dab the skin around your piercing with a small amount of saline. Move the ring around and dab a little on the ring or stud itself. This helps to kill bacteria or other germs that could lead to an infection. Continue rotating the piercing gently and carefully as you apply. There might be a little crust forming around the area. Use a Q-Tip to soften it and wipe it away, but don't attempt to pick at the area or mess with it too much. Mostly you want to leave the piercing alone. This will feel weird at first, but try to keep your head tilted forward a bit so the water doesn't run back into your nose and burn. Blow your nose very gently, making bubbles and moving the mixture around the area. You can plug the other nostril if it helps. Do this for thirty seconds to a minute, or so. 2-3 times a day, it's important to wash your face and keep it clean. This helps to remove dirt and oils that may have accumulated around the area. It's very important to keep this area clean and avoid infection. Infected piercings will be red and and swollen, and may discharge some fluid regularly. If your infection doesn't heal, remove it and clean the area regularly. Once the infection heals, sterilize your nose ring and replace it, or have the piercing redone if necessary. If your piercing is infected, continue cleaning it as normal for a few days. Add a sterile saline solution additionally to your regular cleaning routine.

Write an article based on this "Hold the lighter tightly in your fist so that bottom 1/2" is all that is visible."
article:
You want to have the lighter firmly in your hand, with a bit of the lighter's bottom poking out of the thumb side of your first. The lighter will be in line with the point of your middle knuckles. In other words, the long side of the lighter bottom will be parallel with your thumb.