Saving, investing and making money with technology

Category: Investing

Thinking of long-term investments? Here is how you should proceed

Investments are an excellent way to save and make money. Whether it is investing in gold and real estate or venturing into equity or passion investments, the various methods require one to bear the market risks as he or she awaits a healthy return on investment. One caution many would recommend against the risks the market poses is to invest long-term so that your capital can bear out any fluctuations and post growth over a period.

If you too are considering long-term investments, here are some tips on how to proceed to ensure the best returns:

Research

Smart investment requires in-depth analysis. One needs to be aware of the company’s promising products and strategies. Various comparison websites and other online resources help people understand and analyze investments today. If going for a unit trust or a mutual fund, it is also advisable to look at the fund’s performance over the past few years and check the management fee as well.

Diversify

No matter how brilliant a single option seems, diversifying your capital is of utmost importance – be it through the stock market, bonds, mutual funds, or any other instruments. As a general rule, it is advisable not to invest more than 10% of your portfolio in a single instrument. Diversifying provides the investor protection against a collapse in any particular sector over a long duration of time.

Maintain a balanced portfolio

Every investor wants to stay in the market with minimal risks, and the key to moderate risk appetite is a balanced portfolio. Help your investments generate a decent CAGR with a healthy mix of small-cap, midcap, multi-cap, and large-cap. Take higher risks during the initial years to create a suitable initial corpus and compounding returns can be enjoyed towards the later years.

Do not hurry

Perhaps the most crucial piece of advice for a long-term investor is to take the long view. Trading frequently is a no since the commission is bound to eat into one’s funds. It is equally necessary not to follow the trends and fads and diversify in a smart, sensible way. A lot of investors panic when the market occasionally crashes, but over the years, it is bound to crash some time or the other. Rather than the time to take preventive measures, consider a crash as a buying opportunity.

While age-old investment methods like fixed deposits are still in high demand because of the safety net they provide and some schemes like Bajaj Finance Fixed Deposit also provide a high FD interest rate of 8.40%, with additional rates of interest for senior citizens. You can use the online Fixed Deposit Interest Calculator to check how much you can gain by investing in an FD.

So, while fixed deposits are indeed the way to go for those unwilling to take any risks, people who can afford to stay in the market should go for the other available options. The longer you invest for, the more protected you are against market fluctuations and the higher returns you can enjoy.

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Skills You Must Learn In Order To Save Money

Even though most people who work to earn their living have a clear idea about what they are going to do with their earnings, a majority of them fail in one aspect – savings. Yes, there is that dream amount of monthly savings but so often people fail to meet that goal and end up blaming it on various reasons. Just like earning money requires skills, so does saving money. It is a smart tactic which most affluent people practice without having to come off as a cheapskate. All it takes is some discipline and some skills which anyone can hone with time and patience. Here are some of them.

Hunting for deals

One of the most significant monetary skills you can learn is the cleverness of deal hunting. Not to be mistaken by the occasional browsing of clearance racks at preferred clothing stores, hunting for deals requires a nose for good deals and the experience of an investor. It requires a person to have his eyes and ears open at all times. A small property opening at a sector which offers 30% growth in ten years – tie it down. A noted supermarket conducts fire sales at a certain time of the year – make sure all shopping activities are arranged keeping in mind the annual date of the sale. All of these small factors could not only help a person to save extraordinary amounts on a regular basis, they also get to maintain a healthy level of lifestyle by paying less.

Self management of financial tasks

Learning to manage ones’ finances sensibly helps in saving a lot of money. It can help a person to avoid paying excessive interest on credit cards, dodge needless bank charges and save on other expenses. Learning to comprehend legal or fiscal papers can help people determine whether or not they are taking the finest contract on their mortgage or selecting the top checking account. In order to start becoming a self-manager of person finances, here are the first steps everyone must take –

* Recite the fine print for every bank account. Double check to find a better option at the bank.

* Balance all bank accounts on a regular basis.

* When taking a loan, make sure that only the best offer on the market is getting selected.

Making a budget

A personalized budget can easily be created using the programming language C#. For better insight, you can visit portals like Csharp-Station.Com – a community website for ambitious people willing to make their customized applications. Once the users are able to master functions such as how to execute stored procedure in ASP Net Using C# they can create their own budgets that can be strict and compact.

Learning about investing

Once the savings are on track, every financially ambitious person must sit down with an expert and think about multiplying his savings. Investing is a skill set that is most important for anyone looking to make it big in the modern market.

By developing these skills, anyone can become smarter and wealthier. These skills can be mastered with a little bit of effort, and the rewards can be lost lasting.

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Ways To Manage Your Debt

Since you’ve ended up here, you, or someone you know, probably owe money for back taxes to the IRS and/or the state.

In these tough economic times it could be a lot of money.
Maybe it’s from years of back income taxes, unpaid payroll taxes, or you may have received a gift or inherited an estate and just can’t afford to pay the taxes on it. If you’re a business owner maybe you ended up owing taxes because you were just trying to feed your family and couldn’t make ends meet while setting aside money for the IRS to pay your taxes. Even some corporations face hard times and have gotten into hot water with their taxes.

Nationwide Debt Reduction Services is a debt reduction service provider with ongoing relationship with most creditors. Our team has successfully negotiated on behalf of thousands of clients. While each situation is unique, we have seen outstanding balances reduced up by more than 50%. With this type of reduction, we are able to help you be debt free in a short period of time. We ONLY charge a fee AFTER you have received a settlement. Allow our trained debt relief experts to give you a free, no-obligation consultation. Our team can help you review your debt situation to see if you qualify for debt relief.

There’s no doubt you want to do the right thing and pay it but you just can’t. If you could have you would have by now. IRS agents are probably “on your back”, and it seems there’s nothing you can do to get them off. It could be they’ve “reposed” your vehicles, put a lien on the family home, filed embarrassing public tax lien notices and even put a freeze on your bank account(s). In short order, they’ll be garnishing your wages and leaving you with next to nothing to live on, if they haven’t already.

No Early Mornings or Late Night Calls

You know, sometimes a debt collector may not call you before 8 a.m. or after 9 p.m. (in your time zone) unless you specifically ask them to call during these times. And whatever debt you may owe, you still have the right to a quiet morning and a quiet evening.Keep in mind that debt collectors can contact you by phone, letter, email or via text message, but it’s the calls that are restricted during this time. The Fair Debt Collection Practices Act does not specify any restrictions about receiving text messages, as they weren’t around when the act was passed in 1977.

Take a Look at Your Budget

After you have collected the information about your debts, you should take a look at your monthly budget. Write down your monthly income after taxes and subtract your rent/mortgage payment from this amount along with other monthly expenses such as childcare, student loan payments, insurance, utilities and groceries. And also, once you have subtracted all of your expenses, calculate how much you have left to pay off your debts. If this amount is too small, look for ways to reduce your spending. Consider turning off your cable subscription or carpooling as ways to cut back temporarily. The more you can pay toward your debts each month, the sooner you will be debt-free.

You Must Evaluate Your Debts

We all know Americans have $945.9 billion in outstanding credit card debt, also known as revolving debt, according to August 2016 data from the Federal Reserve. And that means that, based off the most recent population numbers in the U.S., the average American carries nearly $4,000 worth of credit card debt. It’s important to know where you stand before you start reducing your debt, since the amount of debt and the type of debt you have will impact the options available to you.

Start Negotiations

While you are starting to follow your repayment plan from Step 3, you should contact your creditors and lenders to see if you can improve the terms on your debts. You may be able to lower your interest rates or negotiate a reduced settlement on some debts by speaking with the customer service department. It is especially easy to negotiate the terms of debts that are charged off (dismissed) by the creditor or in collections already. Also think about moving some of your credit card debts to new accounts with lower interest rates. Moving a balance to a credit card with a 0% introductory rate for 6-12 months can help you save a lot on interest. Just be sure to keep each of your credit card balances below 30% of the credit limits to avoid damaging your credit score. During this time, investigate if consolidating your debts into a personal loan or home equity loan could help too.

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Jim Cramer Views Restoration Hardware as Model for High Stock Prices

If you want to see the hottest financial news that’s trending today, Check out this recommended article below.


ETF Trends•June 14, 2018

This article was originally published on ETFTrends.com.

Jim Cramer, founder of TheStreet and host of CNBC’s Mad Money used Restoration Hardware as the model for a recipe of higher stock prices.

Cramer told TheStreet that the key ingredients for a higher stock price include a robust consumer, a big short position in the stock and sharply better-than-expected earnings per share–all factors inherent in the Corte Madera, California-based home furnishing company.

In particular, Cramer was effusive in his praise for Restoration Hardware CEO Gary Friedman who took over the company in 2001 when it was on the verge of bankruptcy before helping to turn it into the powerhouse that it is today.

“Gary (Friedman) is a remarkable merchant,” Cramer told TheStreet. “His stores are not stores; they’re galleries and it’s exciting and we’ve used a lot of his stuff. Gary has got a vision and he’s got a way to run a company. Congratulations, Gary–you really did it. The stock’s not done going higher.”


Related: Jim Cramer: How to Diversify Your Portfolio
Restoration Hardware is currently trading at almost three times its stock price compared to a year ago. As of 2:00 pm Eastern, RH was up 0.07%.

ETFs with a large percentage of Restoration Hardware are worth a look, including Invesco S&P Small Cap Cnsmr Discret ETF (PSCD) , Invesco S&P SmallCap 600Â Pure Value ETF (RZV) , and First Trust Small Cap Val AlphaDEXÂ ETF (FYT) .

Click here for more equity-related ETF news.

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Hot News That’s Trending Today

If you want to see the hottest news that’s trending today, Check out these recommended stories below.

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Top Investment Plans for Senior Citizens

Retirement is a phase of life that everyone looks forward to living comfortably. Individuals start planning for their finances early or at least before the retirement phase peeps in. There are various concerns when doing investment planning post-retirement. The major challenge is that the source of income is limited and the options for taking risks are less. Despite that, one needs a surplus amount to meet their sustenance needs.

Hence, it is advisable to look carefully for investment options based on your post-retirement financial goals and needs. If you are a senior citizen or on the verge of retiring, you may consider investing in schemes below.

1.Senior Citizen Savings Schemes(SCSS)

The scheme is specially tailored to meet the financial needs of senior citizens and hence should be considered as a part of your investment portfolio. The primary criteria to be eligible for the scheme is to be above the age of 60. It can be availed from any bank or post office. The maximum investment allowed in this scheme is of Rs 15 lakhs at the interest rate of 8.3% annually, which is reset every quarter. The scheme is covered under tax benefits of Section 80C up to Rs. 1.5 lakhs.

However, the investment is locked in for five years, which can be extended further up to 3 years. You can make premature withdrawals in this scheme. For early retirees, the funds should be invested in SCSS within a month of receiving the retirement funds.

  1. Fixed Deposits

Another popular choice for senior citizens when it comes to investing is FD. In case of fixed deposits, banks, as well as financial companies, offer competitive interest rates to senior citizens. FDs score high on safety and security of funds with a good amount of returns. FD’s with longer tenure have higher gains and benefits, but you can also invest in it for short-term needs.  Unlike other schemes, FD provides flexibility to invest in tenure ranging from 7 days to 10 years. Moreover, with Bajaj Finance, senior citizens get an opportunity to avail 8.20% interest on their investment as compared to other investment options.

  1. Post Office Monthly Income Scheme(POMIS):

POMIS is a five-year investment scheme by Indian Post where an individual can invest up to Rs 4.5 lakhs and Rs. 9 lakh in a joint account with a minimum investment starting at Rs 1500.  The interest rate offered in this scheme is 7.8% annually, which is payable monthly and is fixed for a maturity period of up to five years. Though this scheme does not qualify for any tax benefits, it is considered to be ideal and safe investment scheme for senior citizens offering higher yields with stable returns.

  1. Mutual Funds

Mutuals funds signify risks, though this option is known for their higher returns on investment when invested in right equities. The interest may go as high as 20% in mutual funds with the associated risk factor. So, it is always advisable to start off with investing in low risk mutual funds and then move on to higher risk high-performance mutual funds. Depending on risk profile, one may consider investing a percentage of their funds into equity mutual funds(MFs) due to their nature of high returns. While you take risks, one way of reducing the risks is to diversify the investment portfolio across a variety of industries. Debt funds are another good alternative for senior citizens due to their obvious liquidity.

  1. Tax Free Bonds:

Bonds are securities issued by government-backed companies or projects like Indian Railway Finance Corporation, Power Finance Corporation Ltd or National Highway Authority of India to raise finances with reasonable interest rates. The interest earned on these bonds gets credited to bond holder’s bank account. One can also trade these tax-free bonds as they are listed as securities on the stock market.  Currently, tax-free bonds of top rated public sector companies on an average offer a yield of 6.4-6.5 percent. As the investment period is longer ranging over 15 years or more, one must plan in advance to include tax-free bonds as a part of their retirement plan.

The last thing you want to worry about post-retirement is the shortage of funds. Hence it is best to plan and opt for the best investment plans that suit your needs. A right investment planning boosts your income but can give you the perks of retirement life that everyone hopes.

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The Best Financial Moves to Make to Help Improve Your Finances

You know, It’s understandable if you gotten off course financially during the last couple months of the year. But, if you don’t want bad money habits to follow you into the New Year. If your finances have slipped, it’s time to get back on track and devise a plan to tackle your debt efficiently and effectively. Take a step back and evaluate your finances, so you can become more successful. You really need financial experts to help you to get your finances back on track.

Chase Rubin has served the financial industry for more than twenty years. And he is currently sharing his knowledge and expertise regarding the investment industry to inform the general public. There is no doubt Chase Rubin is currently one of the most successful private investors. He moved to New York to further his career in finances and investments and works and lives in the East Village. The expertise he gained as the result of the economic crash of 2008 has prepared him for whatever the market brings in the future.

Here are some tips that can help you refresh your finances and stay motivated.

You Should Review Your finances

Take a look at your overall finances and consider setting both short-term and long-term goals. Confused about where to start? You may want to begin by obtaining a free copy of your credit report at Credit.com. Through Credit.com, you can request reports from all three of the major nationwide credit bureaus: Equifax, Experian and TransUnion.

Since you might have been using your credit cards often during your holiday shopping, be sure to check your credit report for any irregularities. Fraud and identity theft skyrocket during the holiday season. While you are checking your credit report, you also might want to check your credit score. If you are using more than 30% of your credit cards, you may see a slight drop in your score in the post-holiday season. While credit scores can fluctuate slightly from time to time, it’s important to recognize when a deep drop occurs so you can find the problem and resolve it as soon as possible.

And Also Set Goals and Make a Plan

We all know if you set goals it will give us something to look forward to and work toward. Make a list of all the financial goals you plan to achieve in the next 12 months or so. Establish a payment strategy that works best to tackle not only your post-holiday debt, but also your overall debt. Consider making a list of all of your debts (secure and unsecure) and devise a plan on how to get them down.

And also, ask yourself what your short-term and long-term goals are. Because you might be looking to save up for a wedding, for retirement planning, or for your student loans. When it comes to loans, consider paying more than the minimum and making payments twice each month to help tackle your debt more efficiently. If you think you won’t be able to tackle all of your debt at once, focus on the highest-interest rate debt first before you work on the rest.

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How Artificial Intelligence is shaping the e-learning scenario in India?

 

Machines direct Artificial Intelligence, and it can be regarded as any study by intelligent agents or device. It functions depending on what it receives from its surroundings and this way it maximizes the chance of giving the best results. With the advancement of technology, e-learning is helped dramatically. The way individual look at education has changed rapidly with the influence of technology including artificial intelligence. Ways to access education through the help of technology has become efficient, and students are able to learn strategically and evaluate well than before. In addition to this, students are able to analyze their own pace of learning. There is little difference between robotics and artificial intelligence and the latter has evolved in every sphere of human lives. It is also used in computer games such as chess master. It is capable of making decisions quickly than human.

By the help of simple searches, students are able to explore the variety of new study material present. It might not be possible for an instructor to remember everything present in a material whereas a machine can do it. In cases of bank exams, there are many aspects that need to be learnt by a candidate. In SBI PO, the officer will be taught to work on various categories like finance, accounting, marketing, billing and investing which might take years for some people to master, but a machine can teach you what you want at your own pace. E-learning may be common to most of the teachers, but they may not be aware of artificial intelligence. With the combination of both e-learning and artificial intelligence, it has made easier both for the teachers and the students to grasp a better insight into the learning of various topics. Other than students, teachers also get the chance of exploring every topic in depth and acquire the knowledge for solving any question.

How artificial intelligence helped human beings?

Artificial Intelligence has an immense contribution to human life, and within the couple years, it is going to influence every sphere of human life starting from communication, travel, to online shopping. It helps to give personalized results to the teachers when they are engaged in any classroom program. In any class, there are remedial students, advanced students, meritorious ones and there are different needs for each of them. What AI or Artificial Intelligence does is that adopt every student’s learning method and work according to the needs analyzing both the strength and the weakness of the students.

How AI analyzes students?

Similar to that of human tutors, AI takes in account the capabilities of the student and tries to deliver the result according to the need of the student. It also tries to know about the learning style of the student and give it customized instruction and support pertaining to the subject of need. Previously, the tutors or the teachers were held responsible for any wrong information that they might have conveyed to the students. But according to the present scenario, for any wrong information that the students have incorporated, the Artificial Intelligence cannot be held responsible for the same. The students should be careful while using the AI for fetching different information.

As the AI analyses the performance of students in the examination or assessments, it is able to judge the condition and the confidence level of the student and identifies well the gap in the course content. Therefore, it provides the required gap based on the performance of the student. In case of any incorrectly answered question, the AI marks those question as zero such that educator is able to understand about the level of preparation of the students. The educator shall further focus on the area of improvement that should be provided to the students.

Get meaningful feedbacks via AI

With the aid of AI, students also get the opportunity to get meaningful feedback pertaining to their performance. They might be uncomfortable with receiving any kind of feedback in the public forum, and thus AI is helpful. In addition to this, the AI also helps in grading when is considered to be one of the tiresome tasks. With the usefulness of technology, AI can easily analyze an examination via the answer key provided. They quickly combine the data and results in the performance level of the students.

Eliminating communication and language barrier

Again, with the involvement of Artificial Intelligence, communication has also become advanced as students can expect ready feedback to any of their queries that they post doubt questions on any forum. They can also find out the query with the help of text messaging, and this shall help the learners to prepare themselves for all kind of competencies. If they wish to get relevant information on any particular topic, then they can easily take the help of AI to get ready resources.

The language barrier that takes place between the teacher and the student is also taken care by AI in which the AI understands various languages and has the ability to comprehend the same. Further, it gives outcomes such that the result is understandable by the students well. The interface is capable of understanding various language, noise, and change in the human voice. The interface is also greatly useful in the distance learning procedure. But, the cost of the same might vary.

Bhola Meena has founded 3 major Internet-based companies-GetMeCab, HinKhoj, and OnlineTyari. His latest venture OnlineTyari helps over a million students every month in their government exam preparations. He has 7 years experience as Tech Lead at Microsoft and he is an IIT-Kanpur Alumni.

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Better Team Relationships Improve Productivity and Finances for Small Businesses

Major corporations may have the deep pockets to help their brands succeed, but small businesses have something up their sleeves as well – happier employees. Studies have proven that people who work for small companies are a lot happier than those who don’t. As an entrepreneur should know, having a team of talented, engaged, productive, and happy group of people, with a professional business plan working for you is invaluable. Not only does this lead to a progressive workforce, but it reduces turnovers, and increases profitability. Below, is a closer look at how small businesses are winning by cultivating positive team environments.

They Realize the Importance of Staff

Large businesses have the capital to invest in tons of software, technology, and the cost of turnover rates. Modern technology such as software, equipment, and devices easily replace the significance of hiring someone while a big budget makes it simple to replace staff that decides to leave. They also have so many more responsibilities to handle, that focusing their time and energy on the happiness and well-being of their staff isn’t always at the top of the list.

Small businesses, on the other hand, realize that every hire is special and a key component to progressing their brand forward. Relying more on the talent and collaborative skills of their team than expensive software, devices, or equipment, smaller companies have a true appreciation for what their staff does to help. Often having more time and reason to focus on the continued growth, happiness, and well-being of their staff, the invest a lot in creating an environment where everyone can work together amicably and productively.

How to Create More Positive Team Relationships

When companies are able to create a positive team environment and keep their staff happy, they experience a wealth of benefits. This includes fewer turnovers, improved productivity, and increased profits. If you’re looking to capitalize on these benefits, the below-mentioned tips should lend you a helping hand.

Get Personal – Smaller organizations with fewer employees have the time that is required to get more personal with their staff. By learning who they are as individuals and what their needs are in the workplace, you can create a more positive environment for everyone to work in. It shows them that you care which encourages them to put their best foot forward.

Invest Where it Counts – Employees do their best work when they have the proper tools at their disposal and employers know the value of workplace productivity. If you want a more collaborative team environment that allows them to work seamlessly together, you’ll need to invest where it counts. This includes looking into collaborative software that makes working as a team easier. From cloud storage accounts and messaging or chat applications to note and document sharing platforms and other software, there are an array of tools that can be invested in to increase productivity and profits.

Create the Ideal Space – How your staff works together is extremely important and can essentially control the destiny of your brand. If you want to help your staff build a more positive relationship with one another, you need to create the space for it. Things like brainstorming rooms, open office layouts, and comfortable places for eating, communicating, or relaxing during downtime can help with this. When your staff feels encouraged to come together more often, they get to know one another making it easier for them to work together as a unit.

From the receptionists and secretaries all the way up to management, it’s the people that matter most to small businesses. It is understood that without their skill, passion, and creativity the ability to progress a company forward is nearly impossible. This is why small businesses work so diligently to cultivate a positive working environment that makes their staff happy, cultivates better team relationships, improves productivity, and saves money. Something that most larger organizations simply haven’t learned yet.

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Considerations for Launching a Tech Startup

Now the time to launch your tech startup. You have brainstormed and decided to move forward with your plans. Or maybe, you just have the idea and nothing else.

It could be that you appreciate that tech is a hot sector and having an iron in the fire is most important. Whether you have a product in mind or are just looking to get into the sector with the help of some unsecured small business loans, this article will help you consider what you will have to contend with as you begin your journey:

Current Hot Tech Topics

If you are someone with ideas or are unsure where to focus your efforts, the very first thing to do is research those areas of tech that are gaining traction now. What products are being developed and what opportunities may exist? Here are some of the hottest trending areas.

– Wearable Tech

This has been with us for decades but continued advancements and integration with smart home devices and augmented reality will result in even more options being made available to entrepreneurs.

– Augmented Reality

Yes, virtual reality (VR) is still a thing. Manufacturers of VR devices continue to improve on their offerings, but now augmented reality (AR) is ready to be used by government and business, and eventually household consumers. Opportunities exist to create applications that generate the overlays used with a real-world environment.

– Internet of Things

Smart home devices, traffic cameras, GPS sensors in automobiles, are examples of things that are connected to the Internet but not manipulated by humans. As all aspects of our lives are monitored and controlled by various machines and programs, this segment of technology will continue to grow – as will concerns over the security of IoT and similar tech. When used with other tech, such as AR, numerous possibilities emerge.

Planning for Your Tech Startup

As with any business, you need to clearly define what it is you want to accomplish and put all of this data into a professional business plan. Your business plan is your roadmap to success or failure. It affords you an opportunity to be honest with yourself and with potential investors.

– Research

What are you going to produce? Maybe you have a great idea for an improved smartwatch or maybe you want to create an AR application that can present images of someone else’s smartwatch market yourself as a virtual reseller. Examine your ideas and honestly decide if they may be profitable.

– Capital

How much will this tech venture cost to get off-the-ground and remain afloat? Most high tech ventures are funded by those who specialize in building up tech companies. Seek out those people and make sure you know every word and calculation in your business plan.

Start-up Funding Crowdfunding Investment Venture Capital Entrepreneurship Internet Business Technology Concept.

Understand the Realities of Running a Tech Startup

Whether you receive venture capital for your tech startup or acquire funding from other sources, you have to face the reality of managing your startup. Even if it is just you, and no employees, you need to be able to manage time and resources. If you have staff, there are other considerations to take into account that place demands on your time and take you away from focusing on your desired goals.

Launching a tech startup is a trying, but potentially rewarding undertaking. It’s always worth following a dream and if yours is launching a tech startup, you should go for it. Just appreciate that it involves a considerable amount of work to accomplish, and keep running.

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