It's that time of year to check out estimated Dividends. I started looking at over the last couple months at the trends to get some perspective of the tax burden we will be facing, it's going to be more than 2019, It's Dividend Time !
Common theme I am seeing in communications from our portfolio managers and fund companies, Q: Why are the estimated distributions relatively high ?
Well, volatility, and many companies have been profitable during the plandemic. So trading creates capital gains dividends, profits create income type dividends. We will see higher dividends this year, depending on your asset class and type of portfolio, 2-4% will not be uncommon in many portfolio's. If you have done a lot of trading or your manager has, expect taxable capital gains, if these are significant, some planning may be in order, or at a bare minimum a resolve to be a happy tax payer, I know a couple who are. This is brief update, everyone will be different. Just a "Heads Up", thankfully it's been a good year for peoples investments for the most part. Around the world, it's been a little rough lok at Spain and Russia, US pretty good , Canada not even on the list. This link I found gives a bit of perspective.
Remember, celebrate dividends, means business was good for the most part, only downside, you will need to share some of them with the government and they need the money, also remember dividends have already had taxes paid on them by the companies owned, so there is some tax advamatges of receiveing income that has been pretaxed, not going into the details, that will be a whole new topic, I will probably find a few articles that explain it so much better than I can. The important thing here is to be aware.
So, Perhaps will dive a little deeper on this topic going forward. Search the site at the top right corner for keyword Dividends for other posts in the past and in the future.
Also check the comment section for articles regarding the topic
As a member , if you come across a relevant article , please post in the comment section, so we can all benefit
Received this email on Monday, as i'm going through my feeds, I thought interesting, people might like this and it's a reminder of the dangers we all face. Some good questions to ask yourself ~ TLR
Is this the path you’re on?
Burnout wipes out a lot of businesses every year. I heard a clinician say that being in a high stress state all the time literally ages your body faster. Terrifying.
Here are the ingredients required to burnout, pretty much guaranteed.
(if you recognise the ingredients here, I’d recommend re-thinking the recipe you’re using to run your business, before you start to show symptoms… it is not pretty if you don't take stress seriously)
Ingredients:
1. A large dollop of ‘hussle’: I just need to work HARDER. There’s a difference between knowing the value of hard work when needed and work for work's sake. The glamour of wanting to feel busy all the time doesn't last
2. A dash of ‘do-everything-myself-itis’: to get this ingredient, refuse to automate or outsource anything. This is an important part of the burnout recipe as you need all moving parts on your shoulders, and your shoulders alone
3. Start every processes from scratch every time: Refuse to standardise any of your repeated admin tasks. No templates. No systems. This way you duplicate as much work as humanly possible for yourself
4. Do everything possible to get more quantity of work than you can handle... regardless of the quality: the more hours you can work in a week, the more successful you are, right?
5. Learn nothing: no iterating, no reviews, no course correction. Just keep your head down and keep going wherever you’re currently headed
Viola!
You’re ready for a full meltdown!
In all seriousness, please don’t do this. It’s incredibly bad for your health. Especially your heart.
Here’s a quick insight into how you could fix your course…
List out everything you’ve got going on in your business. I mean everything (it wont take as long as you may think).
As a thought experiment answer the following question:
If you had to work no more than 2 hours a day and still had to get 80% of the same output, what would you do?
It may involve outsourcing some tasks.
It may involve removing a lot of things from your to do list that aren’t actually impactful.
It may involve learning new technology to automate things.
The answers to this question can open the door to working less.
Working less means you have more mental resources.
You’re more likely to stay healthy, and far less likely to burnout.
It's a training school in Utah , some different rules in US vs Canada, however, prinicpals apply around the world and are transferable amongst industry, so if your in business or want to improve your employers business and your own life by bringing more value, there might be something here for you.
"We must learn to apply all that we know so that we can attract all that we want." ~ Jim Rohn
Came across this in my email this morning, it's a cool reflection on how a idea became the standard in recrational facilities. Enjoy the artcile, and log into the Hustle to get more of these cool finds ~ TLR
As the great sage Charlie Brown once said: “There are 3 things in life that people like to stare at: a flowing stream, a crackling fire, and a Zamboni clearing the ice.”
Watching one of these machines glide across a skating rink, restoring carved-up ice to glassy perfection, is efficiency in motion. A job that once required 1.5 hours of manual labor can be done by a Zamboni in just a few minutes.
Technically, these contraptions are called ice resurfacers.
But the company that originally invented them in 1950 — Frank J. Zamboni & Co., Inc. — has become so dominant in the niche market that all ice resurfacers are now colloquially called “Zambonis.”
The company has produced 12k+ machines used by pro hockey teams, Olympic Games venues, and recreational ice rinks around the world.
And it all started with the entrepreneurial vision of a 2nd-generation Italian immigrant named Frank J. Zamboni.
From farm to ice rink
Born in 1901, Zamboni spent his childhood on his family’s farm in Idaho, tinkering with mechanical equipment.
According to the Italian-American periodical Fra Noi, Zamboni’s formal education was cut short at the age of 15 when he left school to earn extra income fixing cars.
Frank Zamboni (far left) with his mother, father, and siblings, c. 1905 (Zamboni Company)
In 1920, he moved to Los Angeles to help his older brother run an auto garage. Soon, he saw an opportunity in a different space: refrigeration.
Many industries relied on large chunks of ice to preserve and transport perishable products. Leveraging their mechanical know-how, Zamboni and his brother launched a business that specialized in crafting refrigeration units for dairy farmers.
By 1927, they’d expanded the operation into a plant that produced ice blocks, which they sold wholesale to produce farmers.
At the time, figure skating was growing in popularity in America.
Buoyed by the Winter Olympics, which debuted in 1924, an industry was emerging for indoor ice skating rinks. But the prevailing tech used to create the ice in the rinks — a grid of underground steel pipes — often left the surface “rippled” and bumpy.
Zamboni’s early patent illustrations for improved ice rink mechanisms (Google Patents)
At his ice plant, Zamboni began to experiment with different cooling methods and soon discovered an alternate solution.
In lieu of pipes, Zamboni circulated brine water and ammonia refrigerant under the ice in “large flat tanks” — an approach that resulted in a smoother, more uniform skating surface.
He secured a patent and, in 1940, teamed up with his cousin and brother to open his own ice skating rink down the street from his ice plant.
Iceland Skating Rink was unlike anything Southern Californians had seen: The 20k sq. ft. facility — one of the largest in America — could house 800 skaters at once.
The business was a smash hit, attracting 150k skaters per year.
Iceland, in Paramount, CA, c. 1940s. A dome was later added, making it an indoor rink. (Zamboni Company)
But the success of the rink, and its sheer volume of foot traffic, soon raised a secondary concern.
At the end of every business day, the rink’s ice was completely chewed up by skate blades. How could they efficiently restore it for the following day’s crowds?
How to resurface 20k sq. ft. of ice
In the early 1940s, skating rinks had a rather daunting procedure for restoring the surface of their damaged ice:
1. A tractor would roll across the ice with a scraper in tow.
2. Workers would manually shovel up the shavings and “squeegee the dirty water away.”
3. The workers would spray on new layers of water.
This process took 4 men up to 1.5 hours to complete — and Zamboni couldn’t stand for it.
Early — and not very efficient — methods of resurfacing ice (Zamboni Company)
For nearly a decade, Zamboni had something of a mad scientist's lab in the back of the Iceland rink, where he experimented with various mechanical contraptions that could optimize ice resurfacing.
He Frankensteined parts from war surplus vehicles and bomber planes, and ran into numerous issues — chattering blades, malfunctioning snow tanks, lack of tire traction on the slippery ice.
“It took him nine years,” Zamboni’s son, Richard, later told the LA Times. “One of the reasons he stuck with it was that everyone told him he was crazy.”
Finally, in 1948, his prototyping led to a breakthrough.
Per Joseph Scafetta, Jr., who profiled Zamboni in 2000, the machine worked like so:
· A blade inside the vehicle shaved the surface of the ice.
· The ice shavings were picked up by a horizontal screw and funneled into a snow tank by a conveyor.
· A second tank sprayed conditioner on the ice to eradicate imperfections.
· A vacuum sucked up dirty water and debris.
· Clean hot water was dispensed on the ice.
Top left: Zamboni working on prototypes; top right: a patent illustration for his early machine; bottom: an ice resurfacer prototype in action (Zamboni Company)
The resulting invention — the Zamboni Ice Resurfacer — could perform all of these tasks in 15 minutes while driving across the ice. (Future machines would improve this time even more.)
In 1949, Zamboni formed Frank J. Zamboni & Co. and began manufacturing his patented machines for sale to the public.
A lucrative, niche industry
Competing ice rinks quickly recognized the utility of Zamboni’s machines.
The entrepreneur sold his first machine to the nearby ice rink Pasadena Winter Garden for $5k ($54k today). But Zamboni’s biggest marketing tool was his own rink, Iceland.
A big break came in 1950 when Sonja Henie — a Norweigian film starlet and Olympic champion skater — spotted one of Zamboni’s contraptions in operation at Iceland and ordered 3 of them for use in her international figure skating tour.
This gave the machine world-wide exposure — and demand soon ballooned.
An advertisement for Zamboni machines, c. 1960s (Zamboni Company)
From the 1950s to the early ‘60s, sales figures doubled each year. The company’s customer base expanded to include NHL teams, the Winter Olympics, and touring shows like the Ice Capades.
New owners often expressed concern that the new machines were so fun to watch that they were stealing the limelight. "People will stay in the stands and watch it and not go down to the concession stands," one stadium owner reportedly told Zamboni.
Zamboni had an astute eye for iteration, based on customer feedback. Over the years, the machines saw various improvements — increased tank capacities, liquid-cooled engines, and later, electric power.
After handing the reins of the company to his son, Richard, in the late ‘60s, Zamboni continued to innovate, inventing machines that rolled up AstroTurf, dumped dirt on cemetery vaults, and cleaned airplanes.
A grasp on the market
Frank J. Zamboni died of lung cancer complications in 1987, at the age of 87.
But today, under the leadership of his grandson, the company he built continues to dominate the ice resurfacing market.
Since 1949, the company has sold more than 12k ice resurfacing machines. Between its 3 manufacturing plants in Los Angeles, Canada, and Sweden, it rolls out ~250 new machines per year, which cost anywhere from $10k to $175k+ depending on size.
Some of this cost pays for itself: rinks often make money by selling ad space (anywhere from $5k/year for a smaller arena up to $50k+ for the NHL) on their Zamboni machines.
Zamboni (right) with his son Richard (later the company’s president) in 1985 (Bob Riha Jr. / WireImage)
Though ice rinks have seen slowing growth in the US, Zamboni has continued to mine customers in growing foreign markets. Fears about niche market saturation have never been fully realized.
To secure limited business, Zamboni often has to slug it out with a few competitors like Ontario’s Resurfice Corporation.
But the Zamboni company enjoys a competitive advantage that goes back to the roots of Frank Zamboni, who has since been inducted into the National Inventors Hall of Fame.
Like Kleenex, Coke, and Xerox, the name “Zamboni” has been genericized to refer to any ice surfacing machine.
“If our name had been Smith or Brown, I don’t think any of this would have happened,” Zamboni’s son Richard later told the Minneapolis Star Tribune.
“It’s kind of a screwball name. There’s such a uniqueness to it, the machine kind of took on a character of its own. My father was always surprised by that.”
Will add a few tips that I have been receiving lately, I hope they encourage you and your spouse or perhaps a friend that you share this link with. TLR
Article#1
A simple way to make your spouse's day — and your marriage — better.
"By considering these scenarios, you’ll create more opportunity to use such language elsewhere. Validation is a powerful tool: used correctly, you’re showing your partner not only that you recognize how hard he or she is working, but that you express this appreciation in small, obvious ways. As often, it’s the simplest things that have the biggest results." ....
The first step is to, well, try to be a better husband. We’re not kidding around. The best marriages are those in which both members play active roles, where they not only identify their flaws (i.e. “I invalidate your feelings too much”; “I often bring home work stress”) but also find ways to fix them. In attempting to know yourself better — your strengths, your weaknesses, your sometimes-good-sometimes-bad-tendencies — you will become not just a good husband but an evolving one. In other words: Make an effort, do the work, and you’ll be rewarded. Want to start? Well, there are a number of small, simple things that all of us can focus on to be happier, more present, and more attentive husbands and partners. Like these nine items right here.
"While the Government of Canada has focused its resources on creating and implementing relief programs to support Canadian businesses impacted by the COVID-19 pandemic, it is inevitable that the government will soon shift its focus to ensuring that applicants were eligible for the relief that they claimed and received. Presently, the CRA is working on creating a post-payment tax audit program that will focus on CEWS applications made between March 15th, 2020 and July 4th, 2020. The purpose of the post-payment tax audit program is for the CRA to identify the various measures of non-compliance with the CEWS legislation.
Given the ongoing concerns associated with the CEWS program, Canadian businesses and organizations should bear in mind that any CRA tax audit, including an audit into a CEWS application, can result in the CRA requesting access to details, including corporate and financial records, that may not be relevant to the CEWS claim as part of a broader tax audit. As such, businesses applying for any of the above-mentioned relief programs should review the relevant eligibility criteria, posted on CRA's website, prior to submitting their claim. Further, businesses and organizations that notice an error in their relief application or in any payment received (as a result of a claim made to any of the above-mentioned benefits) should contact the CRA immediately to address the error and to confirm their benefit eligibility."
"If you want to become wealthy, there are certain things you must understand and certain things you must do. First, you must understand what kind of wealth you’re pursuing and how the economy functions that generates this wealth. Second, you must wisely invest the required resources in order to realize an increase of the wealth the economy produces. These principles hold true whether you’re pursuing wealth in God’s economy or in the world’s economies.
Now, the kind of wealth God’s economy produces and the kind of wealth the world’s economies produce are very different. The former makes us “enriched in every way to be generous in every way” (2 Corinthians 9:11), while the latter threatens to pierce us with “many pangs” (1 Timothy 6:10) and even to steal our soul (Matthew 16:26).
But in either case, we must value (desire) what each economy offers (Matthew 6:19–21), we must understand how each economy works (Luke 16:1–8), and we must invest in ways that take advantage of that economy’s production (Matthew 25:14–30). Obtaining the riches we desire depends on whether or not we meet these conditions.
To those who wish to become truly rich, the Bible offers this astounding promise:" ....
If people aren’t paying attention to you, it’s hard to keep your own energy levels high—and keep the class engaged. In an in-person class, you could walk around the room to make connections and get people’s attention. But with everyone on mute, it’s difficult to reclaim energy, feed off it, and put it back into the presentation. You need to give energy to get it back. The class will follow. Here’s how to keep the energy going from start to finish from your computer.
Break the ice. As folks filter in, I engage in light, sometimes funny banter that gets people used to speaking and feeling more comfortable. This starts the class in a welcoming way and helps build a connection.
View your voice as a powerful tool. Your voice conveys your excitement—or lack thereof. My virtual presentation voice has more varied highs and lows. It’s much more demonstrative. When one of my questions gets answered, I give very enthusiastic responses, such as “Boom! That’s right!” or “Fantastic answer!”
Give an incentive for responding. Five seconds of silence in a virtual setting is an eternity. I let trainees know I’m cool with letting the uncomfortable silence go on as long as it needs to. This almost always prompts responses because most people hate silence. If that doesn’t do it, I simplify my questions and suggest answers to keep the responses coming.
Many of our Portfolio Partners have calculators on their website. We have some on ours as well that you can check out at http://www.timothyross.com , click on Advisor Tools
“The difference between the poet and the mathematician is that the poet tries to get his head into the heavens while the mathematician tries to get the heavens into his head.” ― G.K. Chesterton
Debt Consolidator This calculator can show you how much you might save by consolidating your debt at a lower interest rate.
PERSONAL FINANCE
Household Cash Flow Statement The first step in building a wise financial plan is determining your family's income and expenses.
Net Worth Statement Complete your personal financial picture by pinpointing your personal assets and liabilities.
BUYING A HOUSE or PROPERTY,this is a pretty good calculator, it covers a lot of math that will become part of the processing of getting a home or rental.
“Solving a problem for which you know there’s an answer is like climbing a mountain with a guide, along a trail someone else has laid. In mathematics, the truth is somewhere out there in a place no one knows, beyond all the beaten paths. And it’s not always at the top of the mountain. It might be in a crack on the smoothest cliff or somewhere deep in the valley.” ― Yoko Ogawa, The Housekeeper and the Professor
We have been flooded with commentary for some time now, today is the day the USA go to vote, the big wrap up. Thought I would share some perspective form some of our sources that study the market and economic implications of th three possible outcomes.
"Regardless of who wins, we expect that the U.S. and global economy will have a strong recovery next year and short-term interest rates will remain low."
For IA Clarington Investments report click on the link below , it drills down , I have clipped the initial highlights for you below.
Scenario 1: Biden wins
What is the impact of a Biden presidency in the short and long term?
•
Regardless of who wins, we expect that the U.S. and global economy will have a strong recovery next year and short-term interest rates will remain low.
•
Global trade sentiment would improve.
•
A corporate tax increase could have a negative impact on earnings power and the market in general.
Scenario 2: Trump wins
What is the impact of a Trump presidency in the short and long term?
•
We expect economic growth to accelerate at a faster pace under a Trump administration.
•
We are not expecting a large tax cut.
Scenario 3: No clear result
What is the potential impact of a no-decision on election night?
•
We believe the risk of not having a result for an extended period is being overplayed in the media.
One might be wondering what are the current market values ? Click below for the lastest weekly update that TD Wealth has compiled.
Some highlights you can read, YTD Oil is down 41.4% , Canadian Markets down in the -9% range, US -4 to + 26% range, Europe -7 to -26 % range, Bonds 7 to 10 % range, Canada Government Bonds 1.25% , Housing Starts are down a bit (10% range) Unemployment @ 7.9% vs 3.5% year end 2019 .
As I glean some more, I will add them here. No doubt we are driving on a broken road, the pavement is a little bumpy.
He takes pride in being one of the best jugglers in the business: When someone asks him to throw an extra ball into his routine, he never says no.
Graphic: Sheoli Chaturvedi
If he doesn’t have time to get something done during the workday, Bob is always willing to do it at night, in between bites of dinner. His day often begins at 8am and doesn’t end until 10pm.
When he works late, he has the courtesy not to complain about it to his team (though he will occasionally hint at it).
Graphic: Sheoli Chaturvedi
Bob’s managers think he’s one of the best employees at the company. They celebrate his juggling skills, tout his willingness to take on new projects, and tell other employees they should follow his example.
What they don’t realize is that Bob is putting himself, his team, and even his entire company at risk.
Because Bob is on the brink of burnout.
Graphic: Sheoli Chaturvedi
Medical professionals define burnout as “a psychological state of physical and emotional exhaustion” thought to be induced by work-related stress.
There are many theories as to what prompts burnout, but some of the more common job-related causes include:
· A lack of social support at work (especially common among remote workers)
· Extremes of activity, or burning the candle at both ends
· Unclear or undefined job expectations
· Work-life imbalance
A Gallup survey found that 76% of employees have experienced some form of burnout. These employees are:
· 63% more likely to take a sick day than a non-affected worker
· 23% more likely to visit the emergency room
· 2.6x more likely to look for a new job
Graphic: Sheoli Chaturvedi
Bob has been teetering on the edge of burnout for a while. If he continues grinding himself down, he won’t just end up being nonproductive: He’ll become anti-productive, making mistakes that the rest of his team must spend time fixing.
To make matters worse, Bob is now juggling all of his tasks from home, where it’s harder for his colleagues to gauge his stress levels.
Graphic: Sheoli Chaturvedi
Luckily, Bob has a little furry friend named Hamster Jack, who just so happens to be a burnout expert.
After years spent spinning around in the wheel of burnout, Hamster Jack knows just what it’s going to take to prevent Bob from fizzling out.
And it all starts with defining what’s truly important.
Graphic: Sheoli Chaturvedi
Priority: When everything is important, nothing is
In Hamster Jack’s estimation, Bob’s first problem is that he thinks of his work in terms of priorities.
Bob juggles a lot of different tasks and considers them all to be critically important. But the very idea of multiple “priorit-ies” (in the plural sense) is relatively new.
A search through the world literature on Google N-Gram shows that the term “priorities” was practically nonexistent before the factory boom following World War II.
Before that, only the singular version of the word — priority — was widely used.
Graphic: The Hustle
As Hamster Jack reminds Bob, the idea of multiple priorities is an illusion: Two things can be important, but they can’t both be the most important.
When people say they have multiple priorities, what they’re really saying is that they have a hard time prioritizing. They are unwilling to make difficult, potentially uncomfortable decisions about what should take precedence over everything else.
The first step to catching and reversing burnout before it does damage is learning to take time to figure out which proverbial balls are actually important — and which need to be dropped.
Hamster Jack implores Bob to look at the things he’s juggling each day, and ask himself the following questions:
1. Is this task still important, or has the situation changed? Often we commit to tasks or projects that are important at the time, but become less important as situations evolve.
2. Am I really the only person who can do this? Many top performers think that doing something on their own is easier than teaching someone else how to do it. Trust your colleagues, and give them the chance to surprise you.
3. Is this the most important thing right now? Or am I using it to avoid something else? Deep down, you know when you’re doing this.
4. If this was the only thing I completed today, would I be satisfied with my day’s work? Part of avoiding burnout is focusing on work that will give us a sense of accomplishment.
As Bob himself starts juggling fewer things, it clears space for him to focus.
Graphic: Sheoli Chaturvedi
Positive constraints: Doing less to accomplish more
On its own, prioritizing won’t prevent burnout.
For someone like Bob, who’s grown accustomed to working nights and weekends, it doesn’t matter how much tasks are minimized: He’ll find ways to fill his time with more work.
Hamster Jack senses that Bob is a victim of Parkinson’s Law: “Work expands so as to fill the time available for its completion.”
The implication of this is simple, yet profound: To avoid working all the time — yet still get his work done — Bob needs to limit the amount of time he allots for work.
Graphic: The Hustle
Some companies and institutions have been experimenting with this very idea and seen positive results:
· A New Zealand firm tested a 4-day workweek and found that it actually boosted productivity, creativity, and job satisfaction.
· In 2019, Microsoft Japan closed their offices every Friday, and saw a ~39% increase in YoY sales per employee.
· A 23-month study in Sweden found that nurses who worked a 6-hour workday had higher productivity levels and lower absentee rates than those with a longer workday.
But a mere “commitment” not to overwork won’t lead to sustainable change.
In order for this constraint to work, Bob needs to face real, unmovable barriers that force him to finish his work and leave the office — like scheduling a long-overdue date with his love interest, Roberta.
Graphic: Sheoli Chaturvedi
Psychology: The foundation for change
Lastly, Hamster Jack knows that without the right psychological approach, Bob will quickly fall back onto the hamster wheel of burnout.
Part of the problem stems from the common misconception that being a great employee means working hard. Hard work is part of the equation — but to be truly effective, Bob actually needs to do 2 things:
1. Perform at the highest level
2. Protect his ability to perform at the highest level
Doing the first while neglecting the second is only setting Bob and his team up for more problems down the line.
Hamster Jack — ever the fuzzy fountain of wisdom — suggests 2 rules to help him navigate his workday:
1. The 80% Rule
As Hamster Jack is fond of saying, “There are two types of hamsters in this world: Those who give 110%, and those who understand math."
The 80% rule suggests that a superb employee plans to devote 80% of their energy and focus for the day to their job. The remaining 20% should be reserved for hobbies, family time, and everything else that isn’t work-related.
By leaving some energy in the tank each day, Bob creates the space he needs to avoid toxic work-life imbalance. Still, Bob often feels guilty putting work away, which is why Hamster Jack shares another secret with him:
The focused mode, which is most familiar to us, is when we give our full attention to a problem and try to reason our way through it. It can be very effective — especially when the problem is relatively familiar.
But the diffuse mode is where the problem-solving magic happens. This is when we allow our mind to wander, allowing it to connect disparate ideas at a level the focused mode doesn’t allow for.
When Bob chose to step away from work and go live his life, he unlocked his mind’s ability to solve creative and complex problems.
And in the end, this did more for his career, his team, and his company than a few extra hours of juggling.
Graphic: Sheoli Chaturvedi
Editor’s note: This story was inspired by a presentation on burnout that Ethan gave to The Hustle's editorial team.
My Insurance View is an insurance calculator designed to help uncover how much insurance you need, what type and for how long you need it. The easy-to-understand results you get can be used to start the conversation with your independent licensed advisor about which products are right for you.
Posted by Timothy Ross on October 14, 2020 at 5:01pm
Click on the link below and setup your free account. This service works well. You will get weekly updates. Warning, you will get various offers for credit, be cautious about taking advantage of any offer without a strong thought out plan. The goal should be to reduce amounts that you owe, not expand it.
Simply click on the "Sign Up" button, setup your account and then work through the questions.
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Posted by Timothy Ross on December 16, 2019 at 11:51am
Interesting article that raises some good commentary . I think this is a topic that will expand on, please check out comment section for future additions. - Tim
