38 Communication services, namely, transmission of voice, audio, visual images and data by telecommunications networks, wireless communication networks, the Internet, information services networks and data networks; Electronic messages sending; Electronic message transmission; Electronic bulletin board services; Electronic voice messaging namely, the recording, storage and subsequent transmission of voice message by telephone or via global computer networks; Electronic store-and-forward of data and documents via global computer networks; Wireless communications services, namely, transmission of graphics to mobile telephones; Wireless electronic transmission of voice, signals, data, facsimiles, images and information; Providing an on-line forum for investment and finance; Providing on-line forums for transmission of messages among computer users concerning investment and finance