• A protester cleans his eyes after police fired teargas during a protest by workers of Kaduna electricity distribution company against what they say is unpaid salaries, in Kaduna, Nigeria. Reuters / Stringer
    A protester cleans his eyes after police fired teargas during a protest by workers of Kaduna electricity distribution company against what they say is unpaid salaries, in Kaduna, Nigeria. Reuters / Stringer
  • Indian Muslims shout slogans during a protest against ISIL in New Delhi, India. EPA / STR
    Indian Muslims shout slogans during a protest against ISIL in New Delhi, India. EPA / STR
  • Riot policemen are seen amongst teargas during clashes with farmers during a rally in front of the Parliament, in Athens, Greece. Farmers are protesting against tax measures and changes in the social security system. Pantelis Saitas / EPA
    Riot policemen are seen amongst teargas during clashes with farmers during a rally in front of the Parliament, in Athens, Greece. Farmers are protesting against tax measures and changes in the social security system. Pantelis Saitas / EPA
  • Migrants arrive with their child on the Greek island of Lesbos, after crossing the Aegean Sea from Turkey. Lesbos and other Greek Aegean islands are at the forefront of the greatest migration challenge facing the European Union since World War II. Bulent Kilic / AFP
    Migrants arrive with their child on the Greek island of Lesbos, after crossing the Aegean Sea from Turkey. Lesbos and other Greek Aegean islands are at the forefront of the greatest migration challenge facing the European Union since World War II. Bulent Kilic / AFP
  • A passerby raises his arms in front of police forces in the northern Paris suburb of Saint-Denis, as police special forces raid an apartment, hunting those behind the attacks that claimed 129 lives in the French capital five days ago. Kenzo Triboouillard / AFP
    A passerby raises his arms in front of police forces in the northern Paris suburb of Saint-Denis, as police special forces raid an apartment, hunting those behind the attacks that claimed 129 lives in the French capital five days ago. Kenzo Triboouillard / AFP
  • A pedestrian pass by graffiti in honour of the victims of the Paris terrorist attacks made by Kazakhstani artist called 'ChemiS' in Prague, Czech Republic. Filip Singer / EPA
    A pedestrian pass by graffiti in honour of the victims of the Paris terrorist attacks made by Kazakhstani artist called 'ChemiS' in Prague, Czech Republic. Filip Singer / EPA
  • Residents of a slum in Navotas city sit outside their homes plastered with campaign posters of politicians running for election, as world leaders arrive in Manila for the 2015 Asia-Pacific Economic Cooperation (APEC) summit, east of Manila, Philippines. Diego Azubel / EPA
    Residents of a slum in Navotas city sit outside their homes plastered with campaign posters of politicians running for election, as world leaders arrive in Manila for the 2015 Asia-Pacific Economic Cooperation (APEC) summit, east of Manila, Philippines. Diego Azubel / EPA

World in focus — best photos for November 18, 2015


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A look at the best photos from around the world.

How to protect yourself when air quality drops

Install an air filter in your home.

Close your windows and turn on the AC.

Shower or bath after being outside.

Wear a face mask.

Stay indoors when conditions are particularly poor.

If driving, turn your engine off when stationary.

ETFs explained

Exhchange traded funds are bought and sold like shares, but operate as index-tracking funds, passively following their chosen indices, such as the S&P 500, FTSE 100 and the FTSE All World, plus a vast range of smaller exchanges and commodities, such as gold, silver, copper sugar, coffee and oil.

ETFs have zero upfront fees and annual charges as low as 0.07 per cent a year, which means you get to keep more of your returns, as actively managed funds can charge as much as 1.5 per cent a year.

There are thousands to choose from, with the five biggest providers BlackRock’s iShares range, Vanguard, State Street Global Advisors SPDR ETFs, Deutsche Bank AWM X-trackers and Invesco PowerShares.