They are least likely to seek professional financial advice under the age of 35

People under 35 years of age are at least likely to seek professional financial advice. According to the new Hodge search, only 20% said they had previously sought advice from the IFA.

Family and friends are the biggest source of financial advice for those under 35, according to the survey, which asked more than 3,000 people about their attitudes toward finances. 70% of this age group say this is where they seek advice.

In contrast, the number of people seeking financial advice from the IFA doubled to over 40% for people over 55. The number of people in this age group who consulted their family and friends about their finances has fallen to 53%.

Emma Graham, Director of Business Development at Hodge, said, “The study shows that family and friends have a tremendous influence on all generations of financial matters, especially the younger generation. However, it is important to remember that well-meaning personal views or experiences are not always means good advice.

“Seeking advice from family and friends is the most subjective form of guidance because loved ones often have thoughts or opinions about how to live life that don’t always go along with your own plans.

“Having independent advice from a qualified and experienced financial advisor will not only ensure that you receive objective advice that takes your personal circumstances and plans into account, but you will also get tangible benefits from accessing their experience and making these important decisions with confidence when met when you meet them when You know this. You have considered and weighed all of the available options. “”

Tagged : / / / /

Do you mean a career in finance? Here’s what you need to know

Working in finance can mean a lot of different things. The range of careers is much wider than most people think. If you are considering a career in finance, here are some things you should know beforehand.

Internships are priceless

Internships are a great way to gain work experience. Employers often pay for your work as an intern. Therefore, the trainees can earn a living while learning how to do their jobs. Apprenticeship salaries do not match the salaries of full-time employees. However, seniority offers many benefits besides financial compensation.

First, the internship starts at the door of the prospective employer. You don’t have to work for a business that you do in the long run. But many people consider this to be the best option available to them. Companies that already know who you are and, most importantly, believe that you are more likely to get the job later.

As an intern, you can also get hands-on experience of the specific role you want to play. If you can’t work in the position you want as an intern, you can still work with someone in that role. The front seat is the next best thing to do the job itself.

Who are you?

So far we’ve gone through the most important considerations for anyone pursuing a financial career. There is no shortage of financial jobs, but the sheer number of careers on offer can make the process daunting for some. The best choice for you will depend on your existing skills, knowledge and experience, and your hopes for the future.

The first part of the decision-making process about which career to pursue is assessing where you are now. The degree or other qualification you have on your behalf will determine which jobs you can consider. However, they don’t have to be limited by the skills you have. Nothing should stop you from getting a new degree or other qualification if you need to do it for your dream job.

You don’t just have to think about your academic status. We all have a wide variety of skills and talents at our disposal. If you feel like you have nothing to offer, don’t be discouraged. We can guarantee that you will have more talent than you can imagine. Often, it’s only when you sit and think that you realize how many skills you actually have.

As well as your academic resume, your resume should show something about who you are as a person. When you have a passion for the position you’re applying for and know how to use it to help you reach your future goals, writing an enthusiastic resume is easy. Most people know how to talk about their individual qualities as part of their personal statement on their resume. After all, it is one thing to list your qualities and show how they will help you achieve your personal and professional goals.

It’s a good idea to take some time to determine who you are and what you want out of your career before applying for a job.

Who do you want to be

Once you are sure that you understand who you are today, you need to think about what you want for the future. Your long term goals play a big role in determining your job satisfaction. When you hit another dead end that doesn’t lead you to the future you want, it will be difficult for you to get a lot of enthusiasm for it.

On the other hand, if you choose a job where you feel like a person making progress and are focused on your long-term goals, staying motivated and happy is easy. Many people pursue careers in finance because they want to apply what they know to help others make informed decisions about their future. If this sounds like you, there is a lot of financial work out there that you can do to help other people.

For example, Portafina is regulated by the FCA business which advises clients on retirement. When you work for this type of company, you will gain skills that you can exceed on your resume. But there’s also a lot of Portafina work that’s all about helping people choose the right retirement plan. Choosing a retirement plan is a decision that can change a person’s life in the future. Regardless of whether you consult with customers in person or not, you will be satisfied knowing that you are making a positive contribution to improving their future.

Who you will work for

Once you know what kind of job you will be doing, you need to start thinking about which company you want to get your resume from. You must clearly define your long-term aspirations. With this information, you can more easily find companies whose methodology is the same as yours.

There is not too much research to screen potential employers. Choosing a future employer is a big decision. You want to make sure you do it right. Apart from doing a Google search, you can find a lot of information about what it’s like to work for a company by browsing social media.

Working in finance is very different from what most people think. Many people think that a career in finance is about numbers and there is not much human element to it. However, when you work in finance, you can literally change the lives of other people. If you take the time to find the right job and company, a career in finance can be very rewarding.

Tagged : / / / / / / /

These are bills you don’t have to pay off quickly

A sudden, steep but highly anticipated recession means we are all desperate to raise money over and over again and whatever we do, we need to pay off that debt as quickly as possible to strengthen our finances for turbulent times ahead. .

For the most part, this is absolutely correct advice. But not always.

Those with serious debt problems should seek advice from charities such as StepChange, which can develop personal plans for amortization or debt relief.

But if you haven’t and managed to manage your bankroll with unexpected cash in Covid, or if the crisis has left you in annoying but largely manageable levels of debt, here are a few strategies you can use.

Repayments: credit cards and overdrafts

We’ve always known credit cards are an expensive way to borrow money, but now, with the new reverse overdraft fee rules that generate a typical interest rate of 40%, overdrafts in particular are very expensive, although they don’t always realize it.

You’re right to pay it off as quickly as possible, and of course that applies to business cards, thresholds, or payroll loans – the most expensive form of mass loan out there.

Although the “snowball” method of paying off the smallest debt for the first time is gaining popularity with its psychological surge, experts urge debtors to focus on paying off the most expensive debt first. This is likely your overdraft. Clean it up and consider canceling setup if possible. It’s not worth it.

With a 0% reduction on old credit card balance transfer transactions, the days back and forth between free credit transactions without ever being paid back are fast fading away.

Millions of people take vacations to pay off debts. What happens when you finish?
Start by putting the balances on all of your cards below half of the total available balance to reduce the impact on your credit score. Then pay it off quickly and firmly.

Maybe you’ll pay it off: mortgage and personal loans

Long-term loans with lower interest rates sometimes don’t even feel like debt, they just sit in our brains under a file called an “Account”, as if we need something constant in life that we can’t escape.

However, paying a few pounds a month on a mortgage or loan can significantly shorten the term and thus the amount of interest you end up paying. But there is a warning.

First, these products often have an early settlement fee (ERC). Mortgages, in particular, are often a burden if you pay more than 10 percent of the amount you owe over a certain period or in the first few years.

Car loans often impose similar fines depending on the type of funding you have arranged to finance. A fixed rate may be required to pay off car financing and may be covered if early settlement is possible.

Second, as soon as you return the money, they leave. So, if you find yourself in the midst of a corrosive economic pandemic, for example, and you need extra cash to filter you out, this is not a flexible product to return some money even if you are a model borrower. By now, you are probably already exercising your vacation options.

Set up an emergency fund of between three and six months for your usual living expenses before embarking on an overpayment journey.

Another question that arises is whether paying off long-term debt at a low interest rate is the best way to use your money. Horrible cash savings today, even with fixed rate offers that block your money for several years, may not be able to pay you back more interest than you saved on a loan.

On the other hand, investing money can outperform our current very low interest rates, especially with such a long investment horizon. Getting the advice of an independent financial advisor is certainly something, although some investment vehicles have ridiculous management fees given today’s volatile stock market.

Don’t pay: student loans

Around 130,000 UK-based alumni made additional voluntary payments worth £ 2,740 each in 2019/20. Another 10,600 returned for an average of £ 4,310 before going into debt.

But it might be a useless exercise.


Student loan companies have been accused of promoting unnecessary payments
Students, starting university this year and receiving full tuition fees and maintenance loans, could owe more than £ 61,500 on departure, Hargreaves Lansdowne estimates. To get it back in full, they will need a salary of £ 53,100 – provided they don’t take career leave or get a raise.

Coming back to the real world, the average annual payout is now under £ 1,000 a year – just £ 120 in the last decade.

Unsurprisingly, the Institute for Tax Research (IFS) found that only 17 percent of graduates will complete their loan in full.

“It’s very worrying to send your kids to college to run into tens of thousands of pounds in debt – and nobody likes the idea that most of it will pay off in their fifties,” said Sarah Coles, a personal finance analyst at Hargreaves. Lansdown.

“However, if we focus on official student loans, we might lose money – and ignore the really problematic commitments students accumulate along the way.

“Most graduates will only pay back their student loans after they are written off. However, many are so worried about taking on debt that they make additional payments.

“For some, this would be a sensible approach based on careful calculation, but for many there is a real risk that this additional payment will be a waste of money,” he warned.

“During their studies, they’ll borrow thousands of pounds which can be returned to bite off.”

Tagged : / / / / / / / / / / / / / / /

Financial planning is the key to business flexibility in uncertain times

The COVID-19 pandemic continues to affect business and the economy and will continue for some time. But exactly how much remains unclear and tax officials need to plan to deal with this uncertainty.

Most companies are not equipped for what lies ahead, especially when it comes to planning. Three out of four CFOs admit that their planning process has not prepared them for economic and geopolitical disruption, let alone a global pandemic.

According to a recent study by the Association of Financial Professionals, three in four financial planners and analysts (FP & As) rated the “information uncertainty” caused by COVID-19 as having a significant or moderate impact on their organizations.

This uncertainty means that financial teams need to be more agile to help their businesses succeed. Even under normal circumstances, flexibility is a characteristic of a company that can better anticipate the future, act swiftly and decisively to meet customer needs, market changes, and the threat of competition.

Agility has now become the main characteristic of organizations that are able to react to this crisis and set a new, sustainable path for the future. That’s why relearning some knowledge bases of the business world can help you greatly in preparing for the future. Go to OnlineCourseRank for the best online business courses of 2020.

Finance is the key to agility
However, the company still faces challenges. From March 23-27, as clogging orders to the US and the impact of the pandemic increased, customers using adaptive workday planning processed up to 30 times more forecasts and scenarios than a typical week. This means that companies have stepped up their planning and re-planning as conditions change rapidly. Since the pandemic began, Workday has seen an average increase in modeling and recalibration of 15x as companies seek to understand the impact the global pandemic has on their business.

Financial institutions are key to flexibility for all companies, as the financial industry naturally stores financial and operational data. Because it affects every aspect of a business, funding is driven by budgeting and forecasting activities that essentially create a road map for that business. Following are three main planning processes that finance can implement to support business flexibility in times of uncertainty.

Scenario planning. Think of scenario planning as if you were harnessing the power of what-ifs. The planning platform allows you to model multiple scenarios based on competitive threats and supply chain disruptions to natural disasters, war and pandemics. Since no one has historical data on a pandemic, it is important to start scenario planning with relative ease. Model some of the top line items, such as: B. New sales, store updates, and quarterly upgrades to existing customers throughout the year. Consider a number of possible scenarios for your business, maybe 50%, 65% and 80% of the prepandemic plan.
Sustainable planning. In a volatile market, few things are more important to business flexibility than a plan that is relevant to what’s going on. Static annual packages, which often have limited value when traversing the environment, do little to deal with the black swan event that blinds everyone. The antidote to episodic planning is ongoing planning. When it functions well as part of sustainable planning, planning is not a moment in time – it is sustainable. With faster planning cycles, budgets emerge that adapt to changes and changes in business and markets. In an environment of active and sustainable planning, budgets aren’t frozen – and they never go out of style. Companies that use sustainable planning are 1.5 times more likely to predict market changes in a week and four times as fast.

Delay estimates. Moving forecasters provide a way to adjust direction quickly, with enough insight and confidence to make important decisions in a timely manner. Nearly 30% of tax officials surveyed by AFP said they expected the latest estimate. The mobile predictions are modeled by the driver, not the details. They usually forecast the next four to eight quarters. By providing a continuous forecast for a certain period of time, reality keeps evolving every month. This makes it easy for decision makers to see what’s happening in real time. The moving forecast also has consistent horizons. In contrast to the quarterly forecast, which is shortened by a one year horizon, the moving forecast horizon remains constant.

The chance to get out of the crisis
With countries, companies and communities reopening amid the ongoing pandemic, companies that remain flexible are best positioned to take advantage of opportunities and take on challenges.

With ongoing uncertainty about when vaccines will generally be available and pandemic status varying by region, companies must remain flexible. The recovery will come at different times in different industries. The hotel industry has been hit hard and the recovery will be “widespread and volatile,” said McKinsey. Other industries, including electronic commerce, did well during the pandemic. Ultimately, companies that have planned flexibly in response to the pandemic are well positioned to capitalize on opportunities during the recovery period.

Comparisons are being made between the effects of the pandemic and the effects of the financial crisis from the Great Recession more than a decade ago. Then many companies emerged stronger than ever to enjoy years of growth. Today financial leaders also see a silver lining in the current situation. PwC surveyed 330 financial managers in early June and found that the majority (72%) believed they would be more resilient and agile in the long term, and 53% said new ways of serving customers would lead them to better positions. on the road.

More than ever, flexibility will help companies recover from the pandemic and thrive.

Tagged : / / / /

Surprising tips for your personal finance strategy

Are you looking to take control of your finances, save money for your goals, and find hidden ways to cut costs? You already know that you need to save, fund 401,000, and pay off your debt in case of an emergency. But what else can you do?

Read on for seven tips to follow when creating your personal finance strategy.

  1. Make time for your personal financial strategy

Just like creating a financial budget to save money, you need to plan the time and time intervals for reviewing your finances. During this time, you can plan your savings goals, check for errors in bank statements and checking accounts, and consider other ways to save.

  1. Reduce monthly profits

Whether you’re paying too much for your utility bill or unused service, you can spend a lot more than you want. Next time you receive a credit card statement, look for services you can’t do without, such as: B. Maintenance costs. You may also be able to lower costs, such as a gym membership.

Make sure to check your regular monthly bills. Look for ways to reduce costs, such as: B. Using less electricity. If there are mysterious accusations that you don’t understand, call them and ask about them.

  1. Explore

People who compare prices often get big savings. For example, car insurance costs can vary up to thousands of dollars per company. Find out if you can switch plans to lower costs for internet, cable, cellular, insurance, interest rates, or other services.

  1. Avoid bank fees

Banks derive most of their profits by charging various fees. A customer can pay $ 5 per month for account management, $ 3 for ATM transactions, and $ 3 for paper statements.

When choosing a bank, buy and compare costs. You should also look at online banks or credit unions, which often offer free checks.

  1. Use separate savings accounts for different purposes

Using multiple bank accounts can help you save money for specific purposes. When you transfer money to a separate account, you will not be tempted to spend it. Use this system to save on annual expenses such as car insurance or additional perks such as travel.

  1. Build good credit

Your credit worthiness affects bank loans, credit card balances, and interest rates. Check your balance annually with the three big companies Equifax, Experian and TransUnion. To build good credit, pay your credit card bills on time, avoid applying for a new card whenever possible, and use your old card regularly, even if you have received a new one.

  1. Consider a payday loan for emergencies

If you need cash right away for an emergency like auto repair, consider a payroll loan knowing you can cover the loan with your next paycheck. When you need to take out a payday loan, make sure you understand all the costs and financial costs.

The first step

If you plan your personal finance strategy now, your choice will soon pay off. When you are in control of your finances, you have the freedom to reduce debt and meet your savings goals. You will be happier – and richer!

Tagged : / / / / / / /

Three types of sales and finance can be customized according to customer requirements

If there is a conflict between finance and sales, it has almost nothing to do with the people involved and almost everything to do with processes and systems. The reality is that sales and finance are on the same team and both are striving for the same goal: the ultimate success of the company.

Problems arise, however, when processes and systems between the two departments are not integrated. Then an error occurs and the response to the new threat or opportunity slows down. One of the biggest loopholes I see is that Finance and Sales have separate records that never seem to get along very well. In a perfect world, sales and finance would use CRM and network accounting systems that basically put everyone on the same page. In reality, however, the sales and finance teams still work separately and are often very distant when it comes to their data.

The results are not much. Instead of using one source of truth, the finance and sales teams had to advertise through a network of mismatched spreadsheets and confusing customer records. At a time when access to accurate information is critical, this team has questionable data that could end up putting business at risk. The two departments couldn’t get a clear picture of the sales, payments, and other critical data they so desperately needed.

Right now, however, the world is changing rapidly. Companies are gradually moving away from infrastructure where data is stored in silos and where everything revolves around the customer. To achieve this transition, companies first need coordinated reciprocal dialogue between front and back offices, which is embedded in increasing customer benefits and enabling data transparency and organizational flexibility.

Here are three ways companies can better sync their data to ensure sales and finances work together as a team and all work.

1: Match yourself to the customer

Every company must be a customer-oriented company. The current economic crisis caused by the COVID-19 pandemic makes this very clear. The company’s goal is to build strong and potentially lifelong relationships with customers.

However, when financial activities are separated from sales activities, the business can appear complicated and unprofessional to customers. For example, after agreeing a set of terms with the sales team, the customer might receive a completely different set of terms from the finance team. If financing and sales are not coordinated, there is often small income and losses after the transaction is completed which can lead to large sums. These are just a few of the many problems that can be resolved by better matching of sales and financing data to common platforms.

By consolidating around the customer, certain team members can also access the details and insights they need to perform most effectively. For example, accounts receivable for accounts receivable may decide not to pressure the customer for the next payment when they see a large sale ahead of the account and move costs onto the sale. Or the support team might discover an ongoing service issue that needs to be addressed before annoying a customer with an expiration notification. Sales, in turn, can be an extension of financing and collecting invoices during sales / service calls.

2: Think back to the back office

Sales and finance teams must come together as a whole with the same goal. The best way to do this is to stop thinking about the traditional “front office” and “back office.” Instead, think back to what a modern back office would be like when the finance team had the right information at the right time. This is important because in today’s service economy, the finance function needs to provide an overview of the business involved. How can your company maximize the value and contribution margin that customer relationships generally provide to the services and / or products you offer?

Modern back offices seamlessly integrate financial systems into Customer Relationship Management (CRM) and thus offer finance teams a clear and precise view of sales and revenue flows. This type of ranking also allows the finance team to make more accurate predictions based on company-wide data, which and what scenarios are better to model and the optimal pricing strategy.

Ultimately, a modern back office can help eliminate frustrating mistakes between finance and sales and reduce missing areas of revenue, such as: B. Billing errors, increase in pending sales days (DSO), exceed project costs, and wean customers off.

3: Centralize data used by finance and sales

Before a merchant knocks on a customer’s door and tries to sell them something new, it’s important to understand the customer’s usage and billing history. For example, is there a constant challenge to reunite with this customer? The finance team also needs information about this customer. Is it a customer who needs clear payment terms or has experience with late payments? What is the real price to serve this customer? How profitable is this customer in fact – and would it be better for the company’s real customer not to renew it?

The only way to answer this question is after you have sorted all your financial and sales data.

Here’s the good news: whether you’re a new company or a century-old company, it’s never too late to aggregate the data your sales and finance teams use. It is recommended that you centralize all your information on one cloud platform so that all data is easily accessible to all members of the finance and sales departments.

It’s important to note that cloud-based systems go beyond CRM and now cover all aspects of a business. This means that it is now possible to manage CRM and accounting in a cloud environment such as the Salesforce platform from anywhere on any device. With this integration and flexibility, sales and finance teams can easily share the same account records and delete most of the old, intermittent processes.

For example, the finance team no longer has to use a series of emails and voice messages to ensure expense reports are approved by marketing and sales managers. If the company has an efficient workflow that spans both departments, this type of permission can now be easily done online with a few taps of a mobile device from any remote environment.

Bridging the sales-finance gap can be immensely profitable for a business, resulting in significant efficiency, cost savings and opportunities for growth. Focusing on customers not only brings great benefits to the company, but also brings revenue and finance to the same team with shared tools and a common plan for success.

Tagged : / / / / /

Half of UK finance workers want to change careers because of the pandemic

The coronavirus pandemic has seen workers in the UK financial industry consider career options. According to the new report, 44 percent are considering moving.

Of urban workers seeking change, 13% said they would like to leave the sector as a whole. According to a KPMG study and the Financial Services Skills Commission (FSSC), that figure increases to 16 percent for ages 18 to 30.

The coronavirus pandemic has rattled the UK job market. Data earlier this month showed the country had lost nearly 750,000 jobs since the blockade began in March.

Britain is also facing constant changes in the way people work. A BBC survey of 50 major companies yesterday found that none of them plan to bring all employees back to the office full-time anytime soon.

KPMG and FSSC asked more than 600 tax officials in July whether the coronavirus pandemic has caused them to change careers and 44% said yes.

The weather outside the office is changing

Karim Hadji, Head of Financial Services at KPMG, said, “Since we spend more time at home away from our colleagues and offices, it makes sense that many people question their current roles and decisions.”

About a third – 31 percent – of workers said they were looking for new roles that would dry up or come out of finances by the end of the year.

15% of those who wish to leave funding cite long working hours as the reason. About 13% of people are now blamed for the long commute.

Hadji said finance must dispel certain beliefs about the sector, including that it has “a conservative employee policy”. However, he said “some work is being done” sparked by the pandemic.

Claire Tunley, CEO of the Financial Services Skills Commission, said, “This sector has a real opportunity to learn from the pandemic’s experience to create a better workforce built on an existing reputation for good pay and promotion.”

Tagged : / / / /

Changes in flows in project financing

Project finance and cash flow remain major challenges in this crisis as construction companies not only in the UAE but around the world question their viability in the coming months.

Lack of financial and accounting discipline from associates generally exacerbates their struggles to go bankrupt in times of economic downturn. The well-known “need for credit,” which is generally structureless, has plunged many contractors into such a difficult cycle.

Due to the Covid-19 pandemic, ongoing projects were put on hold due to disruptions in the supply chain. Productivity is affected because contractors on site follow social distancing guidelines. Operating costs have increased as money has been diverted to reduce the risk of the new coronavirus.

Meanwhile, developments at an early stage have struggled to increase debt as originally envisioned by the project sponsor. As a result, several projects were postponed or canceled entirely.

Effective communication

The communication channels between construction companies and their creditors are becoming more important than ever. This communication needs to be open and focused on the desired end result that will protect the interests of both parties and allow the project to be completed by hand with the best possible outcome.

Restructuring of existing credit lines to accommodate the tidal changes is necessary so that contractors and their projects can survive. Today’s banks are very pragmatic about getting this desired result.

Fence with rings

One of the observations that lenders made during the 2008 financial crisis and the current pandemic crisis is that contractors who limit cash flow from their projects tend to perform better and increase funding for the project more quickly.

This is where the contract finance model appears, the term used by creditor banks. The model depends on the “what”:

The project’s first cash flow
Project implementation plan
A legal contract that describes scope, time, costs and responsibilities
After analyzing the above, the necessary financial instruments or “how” are structured:

Guarantees will be provided by contractors (bank guarantees for performance, prepayments and retention)
Procurement requirements, whether material or equipment (credit note)
Temporary cash flow deficits due to lengthy costs and receipt of payments by the project owner in accordance with the terms of the contract (short-term loan or overdraft)
For ring fencing to work, all payments made or received must be in a specific bank account which will only be used to complete this project. After completing the project, the account will stop functioning.

The communication channels between construction companies and their creditors are becoming more important than ever
Such an agreement requires the contractor to distribute proceeds to the accounts of the lender and the project owner for confirmation and acceptance to ensure that payments are only made to project-specific accounts. However, the refusal of some project owners to assign project assignments made it difficult for contractors to ensure proper cash flow funding from their banks.

Based on the above model, the bank will endeavor to support the completion of the project as much as possible, which will result in a guarantee return and termination of the engagement. The bank offers assistance if the source of payment is clear and unambiguous. They provide more assistance when payments are made and credited to project accounts.

This agreement also helps the contractor and their finance team maintain fencing project discipline and avoid the inconvenience associated with having funds on a specific project to attract other tough projects, ultimately leading to failure of the first project.

When the music stopped, the projects suffered greatly from a lack of new flows to cover previous withdrawals outside the project cash flow.

Hence, it is an ecosystem that must be in place if we are to protect and enhance the performance of this very important industry. All parties need to be aware that nothing can work in isolation and that the failure of either party is the failure of the project.

time for a change

Now is the time to build on this practice and work with regulators to facilitate a mandate to allocate project funds to guarantee banks. It is time for us bankers to rethink the burdens we have placed on contractors: canceled contracts, overdue certificates, and the amount, text and duration of bank guarantees under the project.

These are the real decisions we have to make to solve the real problems that hinder the development of this industry: writing fairer contracts; Promote the use of technology; and build sustainably. Now is always the best time to change.

In the future, any planning after the project should lead to a possible second wave of the Covid-19 pandemic. We all hope we don’t face such calamities again, but when they do we need to be prepared for them. Learning from the current crisis is the most important outcome of our current situation.

Tagged : / / / / /