One lesson I've learnt from billionaires is to always put your money to work, and diversifying your investments. I'm planning to invest about $30k of my savings in stocks this year, and I hope I make profits.
You are right. The best approach I feel is to diversify investments- by spreading investments across different asset classes like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown.
That makes sense. I’ve been using a financial market expert for two years now and I own a six-figure diversified portfolio from investing in stocks. I want to diversify more this year, though.
Rebecca Nassar Dunne is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
I believe JEPI and JEPQ could fit well into my portfolio as I approach retirement. How can I maintain a high-risk investment strategy to pursue higher yields until I reach at least 55?
Adding JEPI and JEPQ is smart for nearing retirement. As for staying committed to higher-risk investments, it's all about balancing your risk tolerance with your long-term goals. Maybe consider diversifying your portfolio to spread out the risk.
Or better yet, have one.. For several years, I've been in touch with a coach, mostly because I lack the depth of understanding and mental toughness to deal with the ongoing market conditions. You lack the information necessary to succeed in a competitive market, not because you're doing anything wrong, but rather because of your lack of experience.
I came across your channel through this video-case studies are incredibly valuable, and I'm eager to see more in the future! Building wealth involves establishing routines, like consistently setting aside funds at regular intervals for smart investments.
People believe their currency has the worth it does because they have no other option. Even in a hyperinflationary environment, individuals must continue to use their hyperinflationary currency since they likely have minimal access to other currencies or gold/silver coins.
Uncertainty... it took me 5 years to stop trying to predict what bout to happen in market based on charts studying, cause you never know. not having a mentor cost me 5 years of pain I learn to go we’re the market is wanting to go and keep it simple with discipline.
NICOLE ANASTASIA PLUMLEE is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.
I've heard that index funds and ETFs provide diversified stock market exposure while spreading risk. I have an investment portfolio of over $400K,How can i grow this portfolio to reach millions in a few years?
there are strategies that could be put in place for solid gains regardless of economy situation, but such execution is usually carried out by an investment specialist
Right, a lot of folks downplay the role of advisors until being burnt by their emotions, no offense. I remember some years back, during the covid-outbreak, I needed a good boost to stay afloat, hence researched for advisors and thankfully came across one with grit. As of today, my cash reserve has yielded from $350k to nearly $1m
*Jennifer Leigh Hickman* is the licensed coach I use. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.
I appreciate this. After curiously searching her name online and reviewing her credentials, I'm quite impressed. I've contacted her as I could use all the help I can get. A call has been scheduled.
As a Forex trader,It's almost inevitable that you're going to experience some ups and downs along the way.Alertness and decisiveness are both fundamental ingredients in the recipe for a sucessful Forex trader
I think investors should always put their cash to work, especially in 2024, we'll start to see more market diversification. I’m up 67% from last year with a 7 figure portfolio well positioned with good blue chip companies and I have stop losses in place. Personally with insights from my adviser Anna Rounds Fay, I prefer to invest in large cap companies which have economic moats, large cash flows and strong balance sheets. Some of which are AAPL, MSCI, IUKD, VHYL, SCHD, NVDA and Barclays.
I came across a webpage just by looking up the name you mentioned on the web, pretty impressive. Also left a mail, I'm willing to make consultations to improve my portfolio
If your not comfortable picking individual stock, consider investing in index funds or ETFs. These funds offer immediate diversification and often have lower fees than actively managed funds.
I think what you need is the guidance of an expert. With their skill set, it is easier for them point you to the right direction. That is how I have managed to stay afloat, manuevering through the though market.
Purchasing a stock may seem straightforward, but selecting the correct stock without a proven strategy can be exceedingly challenging. I've been working on expanding my $210K portfolio for a while, and my primary obstacle is the lack of clear entry and exit strategies. Any advice on this matter would be greatly appreciated.
the strategies are quite rigorous for the regular-Joe. As a matter of fact, they are mostly successfully carried out by pros who have had a great deal of skillset/knowledge to pull such trades off.
Unquestionably true. I didn't know anything about investing when I started, but I did investments pre-pandemic and made around $450,000 that year. I essentially relied only on expert advice.
NYCOLE CHRISTINA VANNATA a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.
I'm really between the devil and the deep blue sea, is this really a good time to buy? Folks are screaming "Dead cat bounce" Do I just wait and buy after continuation after rally when things go back down? My reserve of $450K is laying waste to inflation and I don't know what to do at this point tbh, I need solid data on market trajectory
It depends, you could sit-back and capitalize on the downtrend, if you're looking to make immediate-profit from the rally, you should just hold short positions, although that'd require good level of expertise
Do u consider anyone worthy for recommendations? I have money set asides to taste the waters now that stocks are at a discount, well it's either that or inflation.
Letting Lisa Ann Moberly handle my portfolio is a life changing move I made, she's very much accessible to the public, you could do your research she has a web presence.
This is a Great video, Everyone needs more than there basic salary to be financially secured. The best thing to do with your money is to invest. Money left in savings always end up used with no returns ..
The decision to invest is an acknowledgement that it comes with certain risks. Not all investments will do well and some may lose money. However, without risk, there would be no opportunity to potentially earn the higher returns that can help you grow your wealth.
I think the pandemic has taught people the importance of multiple stream of income, unfortunately having a job doesn't mean financial freedom or security
The whole talk about "reverse" market crash (real estate and stock market) basically argues that we are nowhere near done with inflation and that we might actually experience "hyperinflation" in the near future combined with accelerating poverty levels across the nation or going thru a historical economic depression...those are the extreme conditions that have produced the reverse market crashes in most examples I've seen. I personally don't see anything that extreme coming, but who knows.
impressive, i made my first million saving and investing as a rookie but i couldn't do it alone you see there are people that spend their lives studying these things that's why they are professionals, i started as a chiropractor and my husband was a teacher but with the help of James Fletcher Brennan we both stay at home taking care of our kids and just watching them grow (when my husband isn't out golfing with his buddies of course)
funny enough you're not wrong, i can't tell you how many times i lost money off my pension just because i didn't have proper guidance, always nice to hear from a fellow investor. Goodluck!
impressive, but please if i was to get an FA who would you recommend, who do you use? i can't keep supporting my family just off my Wife and I's salary
@@billcresta I don’t think I can leave his details here but you know what he has a webpage so just look him up, I bet you can reach him through there. I hope this was helpful?
@@mitchsapastein5593 yes it was really helpful thank you, i just looked him up and his resumé was really outstanding so i sent him a mail, hope to work with him and hopefully get my portfolio to half a million
I admire the financial independence of people, But you can live better if you work a little more. After watching this I think there are people out there, on the extreme, who plan to die early just to be able to retire early. To each their own but to me, retirement isn't just about not having to work, it's about having the freedom to do whatever you might reasonably want, such as travel, buying things, enjoying life, etc. I don't think I could retire with less than $3m in income-generating investments, maybe $2m at the very minimum. I plan to work until I'm at least 45
@IsabellaMoore-kn5sd Having an investment adviser is the best way to go about the market right now, especially for near-retirees, I've been in touch with a coach for a while now mostly cause I lack the depth knowledge and mental fortitude to deal with these recurring market conditions, I netted over $220K during this dip, that made it clear there's more to the market that we avg joes don't know
As an investing enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?
The professionals presently control the market since they not only have the essential business strategy but also have access to inside information that the general public is not aware of.
A lot of folks downplay the role of advisors until being burnt by their own emotions. I needed a good boost to stay afloat, hence I engaged the services of a true market strategist to help rejuvenate my $700k portfolio and boost performance and returns by 40% in a little over four years.
I'm being guided by “Leila Simoes Pinto’’ who is widely recognized for her competence and expertise in the financial market. She has a thorough understanding of portfolio diversification and is regarded as an authority in this field.
impressive, i made my first million saving and investing as a rookie but i couldn't do it alone you see there are people that spend their lives studying these things that's why they are professionals, i started as a chiropractor and my husband was a teacher but with the help of James Fletcher Brennan we both stay at home taking care of our kids and just watching them grow (when my husband isn't out golfing with his buddies of course)
he really seems to know his stuff. I also found his online page and read through his resume, educational background, qualifications and it was really impressive. he is a fiduciary who will act in my best interest. So, I booked a session with him
If only I had found someone like yourself a decade ago during my introduction to youtube, life may be a little different now. Subbed, thank you for the free USEFUL information!
The truth to building life-changing wealth is found in the old fable of the tortoise and the hare: Slow and steady wins the race. Too bad our youth are growing up in a culture that worships fast and lavish lifestyles and leisure above hard work and family values. Good advice from this video. I have taught my kids much the same.
I admire the financial independence of people, But you can live better if you work a little more. After watching this I think there are people out there, on the extreme, who plan to die early just to be able to retire early. To each their own but to me, retirement isn't just about not having to work, it's about having the freedom to do whatever you might reasonably want, such as travel, buying things, enjoying life, etc. I don't think I could retire with less than $3m in income-generating investments, maybe $2m at the very minimum. I plan to work until I'm at least 45
Nobody knows anything, you need to create your own process, manage risk and stick to the plan, through thick or thin while also continuously learning from mistakes and improving
@@MaryPatricia-wr3wj Having an investment adviser is the best way to go about the market right now, especially for near-retirees, I've been in touch with a coach for a while now mostly cause I lack the depth knowledge and mental fortitude to deal with these recurring market conditions, I netted over $220K during this dip, that made it clear there's more to the market that we avg joes don't know
Stocks in the short term look more likely to move downward. I Just inherited $500k which I Look forward to invest. what stocks should I look into as a newbie to safely grow my money?
I think the next big thing will be A.I. For enduring growth akin to META, it's vital to avoid impulsive decisions driven by short-term fluctuations. Prioritize patience and a long-term perspective consider financial advisory for informed buying and selling decisions.
Saving typically results in you earning a lower return but with virtually no risk. In contrast, investing allows you the opportunity to earn a higher return, but you take on the risk of loss in order to do so
Whichever firm you select, make sure you get your insurance from a reputable financial adviser, such as *Jenny Pamogas Canaya,* who has dedicated her career to financial planning. Because they will assist you in escalating, navigating better, and completing the task in a safer manner||.
I purchased my first home at the age of 21 for $87,000 and sold it for $197,000. My second home, acquired for $170,000, was later sold for $320,000, and my third property, purchased at $300,000, fetched $589,000, with buyers covering all closing costs and expenses.
I was pleasantly surprised to find that you're familiar with her as well. I've had the privilege of working closely with Jenny Pamogas Canaya over the past few months, and she has not only helped me earn substantial profits but has also been an exceptional mentor and trader. Her ability to navigate various market situations is truly remarkable, and I couldn't be more satisfied with our collaboration.
I had to key into index funds after my partner summed up to 750k in profit after trading usually away from dividends, Mary Margaret Cartier the highly skilled professional handling my portfolio told me more will remit into profit in this quarter of the year from index funds, the easiest to ascertain a million within the dip and rise
I had to key into index funds after my partner summed up to 750k in profit after trading usually away from dividends, Mary Margaret Cartier the highly skilled professional handling my portfolio told me more will remit into profit in this quarter of the year from index funds, the easiest to ascertain a million within the dip and rise.
Recently I've been interested in investing in cryptocurrency, but It's strange how people talk about all the profits they've been making through trading of bitcoin, while am here not making any profit at all. Please can Someone put me on the right path or at least tell me what I'm doing wrong?
consistency is key, I've been investing for months now and if I must be honest, I've made quite an impressive profit. Most of those traders who offer to give you 500% of whatever you invest might scam you off your hard-earned money. Forex ain't that easy you know
Hi, I hope I have helped, I am trying to reach as many people as I can with FREE content others would want to sell to you, I like to upload every week if you sub and hit notifications you will get them all. Thanks for watching and Happy New Year.
@@charlymanson6861 I am no expert but I would recommend investing in a Roth IRA and a 401k and any other money put into an s&p 500, I wouldn’t recommend investing in single stocks
The fastest and safest way to invest/build wealth is by having a diversified investment. if one investment performs poorIy over a certain period, other investments may perform better over that same period, reducing the potential losses of your investment portfolio from concentrating aII your capital under one type of investment., that's what i do investing in forex and stocks
I’ve been searching business tactics since I was 12 now I’m 17 I’m trying my best to invest in stocks so I can have a better future and not have to worry about money again pray for me 🙏🏼
@@RedditGenerated The vanguard S&P index funds are good, create an account with them and alsox since they have their own s&p fund they dont charge fees
@@marktilbury I’m making 560 a month as a 14 year old just buy mowing lawns and landscaping I started at 12 years old now I am saving all my money to start a small business and just have my mowing as a side hustle and I love watching you thanks for being my fanatical dad you have help me learn how to save and invest correctly so thanks again
The first step to attaining wealth is figuring out your goaIs and plans - either on your own or with the heIp of a financiaI pIanner, and foIIowing through with an inteIIigent pIan, you wiII gain financial growth over the years and enjoy the benefits of managing your finance.
I am fortunate I made productive decisions that changed my finances (gathered over 1M in 2years) through my financiaI planner. Got my 2nd house in Feb, and hoping to retire nxt yr.
"If you're younger than 18 yr old and still watching to a boomer like me" honestly you're the only one I learned something from and really understood, keep it up!!
"There is nothing wrong with a 'know nothing' investor who realizes it. The problem is when you are a 'know nothing' investor but you think you know something" - Warren Buffett Risk comes from not knowing what you're doing, get an expertise guide today
Now will be a good time to invest and go big. Bitcoin is the future and one thing you should know about bitcoin is that it will go higher than expected and the best thing to do is to invest. The earlier you start investing in Cryptocurrency, the earlier you know the benefits.
Facts! Those who invests in bitcoin about months ago are really making profits and thank God I'm one of them. ie: Logic "American rapper" dropped $6 million worth of Bitcoins in October, do the maths 🤑🤑
The real secret of building wealth is by having multiple streams of income. That includes both online and offline investments. "If you don't find a way to make money while you sleep, you are fated to die working" - Warren Buffett
I'm tryna boost my passive income by investing in Bitcoin, but I'm bit of an emotional investor and in need of an Investment advisor to guide me through. can you share more info on this broker you invested with ?
The Market have been suffering over the past month, with all the three indexes recording losses in recent weeks. My $400,000 portfolio is down by approximately 20%, any recommendations to scale up my returns before retirement will be highly appreciated.
Mark is like a dad to me. I subscribed back when he had only 10k followers ..following his advice I already have set my self up in a good position at 26, now married own property with a value of 500k and invested in stocks...should hit a million by 30😊🤞
Hi Mark, this is truly a Christmas gift to all your viewers. Been waiting for someone to post a video explaining and encouraging everyone to start investing sooner. You did it in perfect fashion! 🙌🏻 Merry Christmas!
I'm lucky to have a quiet overnight job and literally spent 3 hours studying and learning with Mark. I'm nervous but I think I'm ready to buy my first stock. Thank you Mark!
What funny is that people don’t realize the compound interest formula is basically the sam as calculating exponential growth so as he said in the video it’s basically a huge snowball effect and that’s why being young with index funds will be better than daytrading at 20
I love your videos. Not only your is your knowledge and understanding excellent, but your delivery is easy to understand and great to watch. I'm 33, whilst I wish I learned this at 16 (thanks school!), it's never too late. the best time to plant a tree was 5 years ago, the second best time is today. Subbed! Thanks again!
My p0rtfolio is plummeting significantly, I’ve lost about $320k within a few months and I'm not confident about picking st0cks anymore. Are there really no other options for me to gain from the stock market?
It's really hard to beat the market as a mere investor. It's just better if you employ the help of a professional understands the market dynamics better.>
Very true. Despite having no prior investing knowledge, I started investing before the pandemic and pulled in a profit of approximately $950k that same year. In reality, all I was doing was getting professional advice.
>I started out with an FA named Nicole Desiree Simon Her honest approach gives me complete ownership and control over my position, and her rates are incredibly affordable given my ROI.
Took a financial math class as well as economics in high school and it taught me that these funds existed but only ever went in depth on individual stocks, this video was super helpful! Just graduated and can't wait to see the money pile up through investments like these over the years thanks to channels like yours!
For me as I have income from my house as a rental I'm trying to make $1,000 per week, preferably more than $200 per day, but not pressuring myself. I have been off work since the pandemic and I know pressure does not help my trading, so I'm moving forward being patient. The previous month I have made $800 bi weekly which is not enough but a work in progress coming out using a safer option.
I target 6% monthly, I'm not sure what your start up is to make 1,000$ a week but if you have 100k to play with, then 1,000$ a week should be about the same target I would set for myself about 1% a week.
Making money has always been the plan Having to trade and make profit was the goal, I've always wanted to make money but I still keep losing my trading all by myself
I have found a combination in a proficient experience. Trading with Jim oddain made me substantial returns increasing my capital and it seems more surprising to me getting to know how legitimate he trades.
I am new to investing, I’m 30 and have been working in customer service/ retail over the last 14 years and haven’t gotten anywhere in life, this video has been a big eye opener as I have been learning about investing over the last 2 months (GameStop triggered my interest ) I am tired of feeling like I’ve been getting nowhere when I’m a very intelligent and hard working individual.
Just a follow up comment, have you had any success using the videos strategies/suggestions? I'm also new to this and in similar situation to you so any good/bad experiences would be appreciated. 😊
Sad that working ppl are resorting to this rather than actually organizing their workplace and struggling for economic democracy We're such pansies. Let's gamble our hard earned money.. don't get me wrong.. we need investors and I'm not shaming working class ppl from partaking..but God damn are we hopeless They've got us by the balls
Sorry for coming up with a different interference,can I get any enlightenment about crypto, in line with an expert that can assist me trade and generate a good profit.
How does this bitcoin of a thing works,honestly am interested in it,and am ready to invest heavily on it,but I need assistant from any productive professional.
mark is so genuinely kind and yet seriously hard working. even that happy smile in the thumbnail is contagious! very hard combination to come by, he deserves his success!!
Could you do a video on investing for the fist time at 40 years old? It would be helpful to see what strategies would help the older farts with less time (life) to invest. 🤣
Try checking out Reddit.com/UKPersonalFinance! Much of Mark’s video still applies - just lower your relative risk as you age! And take it from a 21 year old, forty is not an old fart!
@@azizgannar7678 Perso j'aimerai juste savoir par rapport aux taxes il parlait pour les us / uk / can / aus mais pas pour la france donc il y a un moyen pour nous français de ne pas être taxés ? :D
This was so much help, I had no parents to teach me how to do this... you are so great, I don’t know how to thank you so much 🙏. Bless people like you.
Impressive, I realized that the secret to making a million is saving for a better investment.. I always tell myself you don’t need that new Aston Martin or that vacation in Hawaii just yet and that mindset helps me make more money investing. For example last year I invested 100grand in the S&P 500 (with the help of my advisor of course) and made 350k, but guess what? I put it back and traded with her again and now I’m rounding up close to a million. Hoping to get to 2 In 6 months time
Thank you so much for a clear and precise video. I just started with £500 into Vanguard ETF with regular 150 payments to start. Hopefully 8% over 35 years, gives me 352k and along side my property, savings, personal and state pension I am theoretically ready for retirement. It's criminal that basic investing is not taught at school. (UK)
investors can never be sure what will happen next, bearish periods ultimately establish a new set of stocks to buy and watch while setting the stage for a robust new uptrend. I have been reading articles of people that grossed profits up to $250k during this crash, what are the best stocks to buy now or put on a watchlist?
For the average citizen, the tactics are rather demanding. In actuality, most of them are effectively completed by experts who possess the necessary knowledge and skill set to carry out such occupations.
How can I participate in this? I sincerely aspire to establish a secure financlal future and am eager to participate. Who is the driving force behind your success?
I appreciate it. After searching her name online and reviewing her credentials, I'm quite impressed. I've contacted her as I could use all the help I can get. A call has been scheduled.
Index funds are what are keeping me stress free.. Btw ishares came out with a new index fund product that is by age or date you want to retire... it's actively managed and the fees are not too bad very competitive like all Ishares products... 😎✌️
Hello Mark. Thank you for your good explanations in your videos. As you said, people often say do this, do that, but they never show you how exactly to do it. Maybe you can make a video in which you show us how you can sell your shares on the three major portals you mentioned? Then the topic would also be dealt with. Thank you in advance.
Well explained. Thank you for bringing up this video. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject ..... Thanks to Joyce Wooldridge the lady you recommended.....
No doubt!! I never knew Joyce Wooldridge had gone viral. I decided to back up my assets and property with her when we met at a conference in New Jersey for the first time.
Hello, this comment is for Mark Tilbury and whoever can say if I am doing this correctly. I first invest $6000 in an S&P 500 index fund every year while opening a Roth IRA so I can get set up for retirement and not have to pay taxes that much. I also get my parents to put me up as an authorized user on their credit cards so I can have a high credit score when I am old enough to have a credit card. Then when I am 20 I buy a house and get a loan from the bank only using 10-30 percent of the amount they allow me to have. I rent out half of the house to someone and they pay half or more of the mortgage and then my credit score will go higher because I am able to pay the mortgage on time so lenders can understand that I am good with my credit score and my mortgages. But in the meantime, what side hustles should I do to earn enough money so that I can have enough money for my emergency emergency backup fund? Here is an example of something that I need you to look at. If I am buying a 2 person house and I have an income of $70,000 and I only use 10-30% of the amount of money the bank gives me and I pay it back in 30 years I should have 84,000-250,000 to use within the 10-30% price limit you say to use. I am buying a house for $150,000 in this scenario. If I use the 50/20/30 rule that you talked about then I will have 35,000 to use for my groceries and my mortgage but like I said above if I rent out my house out then I will only have to pay half of the $35,000 from the 50/20/30 rule and I will still be able to pay back the loan in about 4 yrs which is the same time I would pay back the loan if I used all of the $35,000 but if I did I wouldn't be able to pay for groceries and the S&P 500 index fund. My goal is to make $30,000 from side hustles before I am 20 as an emergency emergency backup fund because the $30,000 is not my normal emergency backup fund because if somethings happens unexpectedly and my normal emergency backup fund is not enough then I will use my $30,000. But back to the main question how do I earn enough money from side hustles? I have also looked at your videos about side hustles for some information. Also, how do I contact you because I have tried and this is my third try? If this is confusing please comment so I know some people are reading this. Have a great day for all who still kept reading and got this far. And if anyone can like this comment to get his attention it would mean a lot to me so please do. And once again have a great day for all who still kept reading and got this far. PS: This comment is not specifically for this video and I looked at multiple TikTok's Instagrams and youtube videos to get this information and make a sort of a decent plan for myself.
Diversification is the secret to optimal performance. This is why I have my interests set on market sectors based on performance and projected growth, such as the EV sector, renewable energy, Tech, and Health. Keep investing regularly and you'll be blown away how much it can change in a few short years. Here's to $1 million and to FIRE
Personally, I would say have a mentor. Not sure where you will get an experienced one, but if your knowledge of the market is limited, it seems like a good bet.
A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
Thank you! Yhank you! Thank you! I'm a 16 year old Chilean. I had no idea about this. Just got a good enough amount of money, and I wanted to invest it and now I know how to!
Hi! I just found Mike's channel today and I'm loving his content. I have a question about the index fund investing. In theory it's just like a stock, right? So you could sell it eventually if you come to need to cash the money for, let's say, an emergency? Or is it mandatory that it stays invested for a fixed amount of time? I think is kind of a basic question but I'd love if someone could help me with it. Thanks a lot!
Welcome aboard! Yes you can withdraw money from an index fund, but it's not the point of the fund, you should build an emergency fund first and keep that in a high interest savings account. Your index fund is an insurance for your future that's why you only put in what you can afford every month and leave it to grow. To get it compounding you need to leave it for around 10-12 years, and then you will not want to touch it any way. Thanks Tilbo
Love the content Mark, great stuff! Thoughts on a video going over passive funds that track the S&P 500 vs higher risk/reward active ETFs like ones from ARK? Would enjoy your opinion on this topic. Cheers!
