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He never said a word, just smoked his foulsmelling cigarettes. I remember that we would throw money into the pocket of his dark jacket as payment for taking us across. However — following the policy of transforming Poland from a multi-ethnic state into a homogenous Communist one — a decision to disperse them was made. This a collection of companies which design, build and repair aircraft and aircraft parts, as well as conduct developmental research in the aviation field. It also runs its own flying school.

The Crown Tribunal replaced a wooden city hall which burned down in It is one of three cities in Poland that use trolleybuses, and the network was recently expanded. A prototype electric bus is also in operation. Of these medieval fortifications, the best preserved are the Cracow Gate Brama Krakowska, above , which was named after the route and the suburb towards which it led. The huge neon letters spelling out the name of the hotel create an atmospheric red glow, and you can admire the panorama of the entire city from there.

The Jewish Cemetery bottom is beautiful. The guide tells some fascinating stories. No one knows why or what the decorations mean. The cem- etery is somewhat wild with abundant undergrowth, creating an incredible atmosphere. The camp was meant to serve as a source of free labour to be used in building a German empire in the East. Prisoners at the camp hailed from nearly 30 countries. During the winter there are several ski stations nearby. The location is also ideal for cross-country skiing, sledding and sleigh rides.

Summertime brings a number of festivals, such as the Festival of Folk Groups and Singers, Kazimiernikejszyn, offering concerts and active recreation, and the Two Riversides festival. It is the centre point of the Kazimierz Landscape Park and the Land of Loess Gorges, with thousands of these geological formations in the area.

Because of its picturesque character, Kazimierz became a favourite town for artists, particularly painters. However, it is the aviation sector centered in the nearby Aviation Valley that is the pride of the region. The area is a cultural melting pot for various ethnic traditions as reflected in the local cuisine, crafts and architecture.

During the summer the river can be used for kayaking or boat trips, while during the winter it is a popular place to feed the swans. You can also perch yourself on the statue of Staszek Nitka and his barge. The iconic ferryman continued to work into the s, transporting anyone who wanted to cross the river. He never said a word, just smoked his foulsmelling cigarettes. I remember that we would throw money into the pocket of his dark jacket as payment for taking us across.

However — following the policy of transforming Poland from a multi-ethnic state into a homogenous Communist one — a decision to disperse them was made. This a collection of companies which design, build and repair aircraft and aircraft parts, as well as conduct developmental research in the aviation field. It also runs its own flying school. The Crown Tribunal replaced a wooden city hall which burned down in It is one of three cities in Poland that use trolleybuses, and the network was recently expanded.

A prototype electric bus is also in operation. Of these medieval fortifications, the best preserved are the Cracow Gate Brama Krakowska, above , which was named after the route and the suburb towards which it led. The huge neon letters spelling out the name of the hotel create an atmospheric red glow, and you can admire the panorama of the entire city from there.

The Jewish Cemetery bottom is beautiful. The guide tells some fascinating stories. No one knows why or what the decorations mean. The cem- etery is somewhat wild with abundant undergrowth, creating an incredible atmosphere. The camp was meant to serve as a source of free labour to be used in building a German empire in the East.

Prisoners at the camp hailed from nearly 30 countries.

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The company specializes in workflow automation, artificial intelligence, machine learning, robotic process automation, and performance analytics, among other tech services. According to the second quarter database of Insider Monkey, 99 hedge funds were bullish on ServiceNow, Inc. Despite being "a very well-run company", ServiceNow, Inc. NYSE:NOW will potentially fail to meet its long-term subscription revenue targets in and , the analyst contended.

In addition to Alphabet Inc. Ensemble Capital recently published its Q2 investor letter. Here is what the fund specifically said about ServiceNow, Inc. Their products are a key element of driving the digital transformation nearly every large company is undergoing. At the recent JP Morgan investor day, CEO Jamie Dimon explained that while the company could reduce expenses if needed should the economy slow, that their spending on digital transformation would continue as this spending was critical to the company managing costs and maximizing revenue over time.

The banks have underperformed this year mainly due to recession fears, although there has been some relief over the last few weeks, the analyst told investors. This mistake caused inflation to accelerate, necessitating a larger intervention than if the Fed had moved sooner. However, this also implies good upside longer term to the group if a big IF the US avoids a meaningful downturn". The company is focused on cost optimization and it has amassed positive results. Alibaba Cloud indicates strength from the non-internet segment and the company continues to focus on cloud investments, which will drive long-term growth and help retain its market leadership.

The company's June quarter net income exceeded Street consensus and adjusted net margins were also ahead of expectations, mainly driven by a faster than anticipated narrowing of losses in new initiatives, the analyst told investors in a research note.

He sees the present valuation as "defensive" and said a quicker than expected macro rebound could result in upside potential. Shares of Alibaba rose during the quarter, driven by an increasing focus on improving capital allocation, an improving regulatory environment, and government stimulus targeting Chinese consumers. We retain conviction that Alibaba will benefit from rapid growth in cloud services, logistics, and retail.

The results were driven primarily by a spike in the company's Parks segment. Like Alphabet Inc. Its media business has a rich library of intellectual property, which provides a powerful engine for creating new content across the Disney, Pixar, Marvel, and Star Wars brands.

As a result, we were able to purchase shares at a substantial discount to our estimate of intrinsic value. Berkshire Hathaway Inc. There is speculation in the market that the billionaire investor may consider bidding for the entire company. Insurers typically benefit from a strong economy, as pricing tends to improve and the volume of risk to be insured grows.

Berkshire possesses terrific management and top marks as an opportunistic capital allocator. Salesforce, Inc. The management cited the strong U. While he maintains the view that Salesforce, Inc. Salesforce has high retention rates, pricing power, high free cash flow, and a competitive moat.

The company continues to execute well. Your silver jewelry doesn't depreciate, although its tradable value will depend on silver prices, which can be volatile, as precious metals investors know. In the financial world, gold and silver are typically considered a hedge against uncertainty and inflation.

So during economic downturns or a geopolitical turmoil, it's not uncommon to see investors flock to precious metals, driving up their prices. While gold has a greater appeal as jewelry and as a safe-haven asset, you can invest in silver to take advantage of its industrial demand fueled by global economic growth. Silver has a wide variety of uses across industries as it's a malleable element as well as a good conductor of electricity.

Key silver applications include:. Electronics: All kinds of devices such as smartphones, television, computer, keyboards, and components such as wires, circuit boards, and switches. Solar panels : Photovoltaic cells and systems. Other uses: Photography, water purification, brazing and soldering, ball bearings, production of ethylene oxide, and chemical processes. That should give you a fair idea about how significant silver is as an industrial metal, which also explains why global demand for the metal has remained relatively steady and strong over the years.

Notably, while there are clear demand catalysts for silver, supply remains constrained primarily due to fluctuations and unanticipated disruptions in output from key silver mines in the world. This demand-supply gap could widen as electric vehicles are adopted and renewable energy sources like solar gather steam steam, both of which will further drive demand for silver.

Owning physical silver or owning silver stocks come with their own disadvantages. These weaknesses are mitigated when you instead own part of a silver ETF. In the case of bullion, you not only have to pay commissions on purchases and sales, but also bear storage costs and risks. You'd also need to cough up a greater sum of money to own a chunk of silver as compared to shares of an ETF.

Silver stocks, on the other hand, are a great choice provided you have the drive and time to deep-dive into companies to find the ones worthy of your money. Stock-picking is a learning process that requires due diligence to ensure you buy the right stocks. Moreover, within the silver industry, you should know the difference in the business models of silver-mining and silver-streaming companies.

Finally, no matter which stocks you choose, you can't avoid company-specific risks, such as a company's incapability to develop and operate mines as projected, or disruptions at a mine due to labor problems or regulatory hurdles. An ETF offers you the middle ground, enabling you to easily gain exposure to silver for low costs with ample liquidity, or the ability to sell to raise cash.

Owning an ETF, therefore, is your best bet to invest in silver unless you desire physical possession of the metal. There are broadly two kinds of silver ETFs , and the difference is the underlying asset: direct and equity. Such ETFs closely track the day-to-day movement in silver prices, so investing in them is akin to buying physical silver but for a lower cost.

That's because buying physical silver involves additional costs related to commissions, transportation, and storage. While an ETF holding bullion also has to bear these costs, the expenses are divided among all the shareholders, which effectively lowers the cost of investment for an individual investor.

To be clear, a direct ETF does not entitle you to get delivery of physical silver as the metal such ETFs hold merely backs its shares. You can easily buy and sell ETF units through your brokerage account like stocks. Equity silver ETF: An equity silver ETF owns silver equities, or simply put, it buys stocks of silver companies and tracks an equity index. Such an ETF is the best option to capitalize on silver through the securities market.

The biggest advantage of silver equity ETFs over silver stocks is diversification, which minimizes overall risk. As an investor, chances are you'd add one or two, or only a handful at best, of silver stocks to your portfolio, which puts your money at greater risk -- especially if any company you own stock in were to encounter growth hurdles.

With an ETF share, you can effectively own several silver stocks with a single investment, and they can be as diversified as you could imagine, based on market capitalization or size , business model or geography. The downside is that silver equity ETFs can carry additional risks, such as geographic risks and currency risk if the fund holds shares in international companies.

Which silver ETF you opt for depends on your personal risk tolerance. While the performance of a direct silver ETF depends almost entirely on silver prices, that of equity ETFs depends more on the operational and financial standing, as well as growth prospects, of individual mining companies that are part of the ETF.

For example, if an ETF holds meaningful stake in a silver mining company that gets stuck in a rut, its returns could be severely affected even in an environment of strong silver prices. Understanding the pros and cons of silver ETFs should help you decide where to invest. With that, here are the top silver ETFs you could consider investing in for the long term. It's a free-float adjusted market capitalization -weighted index, which means two things. First, the market capitalization is calculated using float , or the numbers of shares held by the public, rather than outstanding shares.

Second, the weight of each company in the index is proportional to its market capitalization, so the larger companies make up a bigger portion of the index. As of Feb. The U. In other words, this ETF provides you access to a well-diversified portfolio of silver companies. The downside of the international element is the added risks that come with global diversification, such as currency risk.

Wheaton Precious Metals' business model gives it a solid edge over silver-mining companies. As a silver streaming and royalty company , Wheaton doesn't extract metals like a typical miner would. Instead of owning, developing, and operating mines, Wheaton buys precious metals from third-party miners at discounted prices in return for financing them upfront to support their capital and growth requirements.

To give you an example, one of Wheaton's long-standing silver agreements is with Goldcorp on its Penasquito mine in Mexico. Tahoe shares lost nearly half of their value in a year since the company's operating license in Guatemala was suspended in The upshot is that while an equity silver ETF exposes you to company-specific risks like owning individual stocks, the impact of any one company's adversity won't hit your portfolio as severely because the ETF owns a whole basket of stocks.

For every weakness, there's a pocket of strength to offset it. Not too shabby, though, for what you get. It tracks the Solactive Global Silver Miners Total Return Index, which is also a free-float market-capitalization weighted index, made up of 20 to 40 stocks at any given moment.

That's more than the combined AUM of the 11 other major U. At that time, silver was such an illiquid market that an innovative product that allowed investors to invest in silver in a convenient, cost-effective way without the hassles of buying bullion garnered a lot of attention. While several other silver ETFs have hit the market since, the iShares Silver Trust remains a leader, largely for its first-mover advantage.

Shares of the Trust are backed by physical silver held by a custodian on its behalf. However, the Trust sells silver periodically to meet expenses, which is why the amount of silver represented by each share has declined with time. This ETF aims to track the market price of silver it considers the London Bullion Market Association silver price as the benchmark on a day-to-day basis. However, the ETF shares usually trade for a value below the spot silver price.

That's because the ETF shares reflect a price that is equivalent to the market price of total silver owned by the trust at any given point less its expenses and liabilities. Whether you go for a bullion-based or an equity ETF, the fact that you can diversify your portfolio with precious metals without having to do the hard work of researching stocks or worrying abut storing your metal is what makes silver ETFs attractive investment tools.