Connect with us


All about DeFi: use cases, advantages, disadvantages and a look at Bitcoin DeFi



All about DeFi

What to expect in this article?

Learn about:

  • What is DeFi?
  • What are the current areas where DeFi is working?
  • Examples of companies that are working in each of the DeFi areas
  • What are the advantages and disadvantages of DeFi?
  • Recent issues in the DeFi space
  • What is a Bitcoin DeFi?
  • What are the advantages and disadvantages of Bitcoin DeFi?
  • Some companies in the DeFi space

The hype around Decentralized Finance (DeFi) has been at full swing in the crypto media recently.  What exactly is a DeFi? Let’s start at the beginning.

What is DeFi?

What is DeFiFinancial services broadly include banking, lending and stock markets. These markets are controlled by some of the world’s biggest institutions. The same institutions that were at the center of the 2008 market crash. That crash gave birth to Bitcoin blockchain (or should we say blockchain and bitcoin).

Now, blockchain is aiming to disrupt that very financial structure with Decentralized Finance, DeFi.

Decentralized Finance facilitates the same financial services without a centralized institute.  Decentralized finance gives the individual ability to be their own bank. The contracts that used to take place in a bank can now take place in an app on your smartphone without ever leaving the comfort of your home.  

Decentralized Finance is financial services on blockchain with minimal or no human intervention where the individual’s race, color, income level, credit scores do not impede them from getting the services on par with everyone else. Everyone is held to the same standards.

You can right now create your own wallet in seconds and start accepting payments from your customers. You can right now send money to whoever you want to anywhere in the world without having to stand in a virtual queue for weeks.  You can avail a collateral based loan without making rounds to a bank or institution and without getting screwed with fees and hidden APR rates.

Decentralized Finance at this time covers four aspects:  Stablecoins | Crypto Lending services | Decentralized Exchanges | Tokenizing assets


cryptocurrencies that are pegged to fiat currency, generally to the US Dollar, to provide much needed stability to the crypto market.  Thanks to the stablecoins, many other services can now be brought to the mainstream as the volatility aspect is addressed through stablecoins.  Volatility continues to be a big problem in the crypto space and stablecoins are bringing the much needed stability and make the cryptocurrencies useful for mass adoption.


  • USDC:  US Dollar Coin is introduced by Circle and Coinbase.  
  • USDT: US Dollar Tether is probably one of the earliest stablecoins and one that is constantly enveloped in controversy regarding having enough reserves to support the minting of new coins.

Crypto Lending services

As of 2019, Crypto Lending has crossed $4.25 Billion in loans.  At this time, much of these loans are based on collateral, that is, you can use your crypto holdings as collateral to get a loan for a great rate compared to the market.  These loans are usually simple and do not include shark behavior that we see in the traditional lending models. As the space gains more traction, we might see loans provided based on individual’s credit score.


  • Celsius Network: Probably one of the greatest companies in the crypto lending space. They pay about 8% on some of the cryptocurrencies deposited on their app.  They pay about 4% on Bitcoin deposits. 
  • MCO:  Crypto.com offers crypto lending, debit card services and they even pay great interest on deposits.  At a time when the broader economy is going into negative interest rates – it is refreshing to see deposits yielding interest. 

Decentralized Exchanges

Most exchanges are run by an institution. This is true even for crypto exchanges. However, a new  class of exchanges are on the rise that do not rely on humans to transact. They are called Decentralized Exchanges or DEx for short. Usually a Decentralized Autonomous Organization (DAO) executes contracts based on the code.  Most DEx’s do not need users to verify their identity which has put these exchanges under scrutiny.


  • Binance DEx: Binance is #1 DEx in the market. “Binance DEX takes security to a whole new level. Peer-to-peer transfers and trades mean virtually zero exposure to security threats.”  DEx are usually lightning fast compared to more traditional exchanges.

Tokenization platforms

Blockchain provides a unique opportunity to convert any asset into token.  It could be a real estate property or a contract of future performance.  You can cash in on any type of asset on blockchain by tokenizing these assets/contracts.  This opens doors to massive liquidity for companies.  For instance, a company with 5 machines of $100,000 each can turn one of those machines into tokenized assets and raise capital without taking out a loan. The proceeds from that machine can then be distributed among the token holders that represent the ownership of that asset.


  • Dream Fans Shares: Spencer Dinwiddie turned his contract into 90 tokens to convert his sports contract into immediate liquid capital.  The holders of these tokens were promised yearly interest payments.  The holders of these tokens can then sell them if they are in need of cash.  

What are the advantages and disadvantages of DeFi?


Access to all:  Barrier to entry will be eliminated for people to avail banking and financial services.  There are about 2 billion people who are denied banking services because of many barriers to entry – DeFi can eliminate them.

Global banking services: Be your own bank and start accepting payments or send payments through DeFi.  Most DeFi platforms do not have any restrictions on user participation.  Obviously, KYC verification is required by these platforms to comply with the Banking regulations.


Not all DeFi services are created equal:  for every genuine DeFi service out there, there are multiple scammy imposters.  The onus of due diligence falls on the customer in this case. 

Collateral:  Most services now are based on a collateral system (except for creating your own wallet to accept payments, etc.,).  Unlike a bank that will lend you money if you have a good credit score and a decent income source, crypto lending relies on you being able to deposit a collateral to secure a loan.  Some might argue that if they had collateral – why would they need a loan?  There are few services that are sprouting that follow the traditional banking model where individual’s credit worthiness is taken into consideration.  

Ethereum is the most popular DeFi platform, so far

EthereumMost DeFi platforms in the market are built on Ethereum blockchain.  MakerDAO, probably one of the most popular DeFi projects, is built on Ethereum as well.

Many up and coming DeFi projects rely on Ethereum as well. Bidao, a new ICO, aims to build the first ever DeFi on Binance blockchain.

DeFi addressable market runs in trillions of dollars and if DeFi succeeds – it will take crypto to the next level of mass adoption.  

One of the issues right now with Ethereum based DeFi platforms is the lack of liquidity.  Many projects are looking to address this issue by bringing Bitcoin to DeFi. 

DeFi comes to Bitcoin

As discussed earlier, Ethereum is one of the most popular networks for DeFi services. Crypto experts are working on bringing the same DeFi services onto Bitcoin blockchain.  The solutions are being created to execute smart contracts on Bitcoin blockchain to make DeFi work.

What is Bitcoin DeFi?

The new hype in the DeFi space is Bitcoin DeFi. That is, executing the smart contracts related to operating Decentralized Finance Apps on the Bitcoin network.

Ethereum is made popular for its ERC20 token that can embed smart contracts.  Bitcoin has historically lacked the smart contract feature, although many solutions have been building layers on top of the Bitcoin network.  

Now, DeFi that was mostly limited to Ethereum (with MakerDAO leading the dominance) is coming to Bitcoin.

Projects that are bringing DeFi to Bitcoin

These are some of the projects in works that are bringing DeFi to Bitcoin network.


tbtcSimilar to WBTC, tBTC is backed by 1:1 BTC.  “tBTC, a project developed by Summa, Cross-Chain Group, and Keep Network, lets BTC holders safely convert their BTC into the ERC-20 TBTC token and vice-versa at any time at a rate of 1:1, with no signoff needed from an intermediary,” the tBTC site explains.  At the time of this writing, Ethereum’s biggest DeFi players, that is, MakerDAO, Compound and UniSwap have all joined forces with tBTC.  


WbtcWrapped BTC (WBTC) “delivers the power of bitcoin with the flexibility of an ERC20 Token.”

Bringing BTC to Ethereum will make it possible to leverage the humongous volume that Bitcoin enjoys onto Ethereum applications like DEx’s and DeFi applications.  The arrival of BTC volume will help the DApps built on the Ethereum network to thrive.


liqualityLiquality makes it easier to trade cross-chain between bitcoin and ethereum based tokens. They describe their project as “Our atomic swaps enable direct and risk-free trade with partners, eliminating the need for costly exchange services that are preferred targets for hackers.”

Atomic Loans

Atomic LoansAs stated earlier, Crypto Lending is one of the facets of DeFi.  Atomic Loans is looking to bring the crypto lending directly onto Bitcoin through Atomic Loans.  The Mainnet is already live.  You can use your Bitcoin as collateral to get a loan in Stablecoins.  This way, you meet your liquidity needs without selling your Bitcoins.  You will be in control of your private keys at all times. There is no need to verify your identity, only ownership of your Bitcoin.

What are the advantages of Bitcoin DeFi?

Bitcoin DefiBitcoin is the unquestionable king of crypto.  It has one of the strongest networks for any crypto.  Any DApp that runs on Bitcoin gets the security strength of the entire network.

Strong network:  Bitcoin blockchain is arguably the most secure PUBLIC network on the planet.  The FBI and CIA may have stronger computers in their basements but they are not available for the public to build secure solutions on.  Bitcoin blockchain is one of the world’s strongest networks that anyone can access to build products on top of.

Liquidity:  Bitcoin enjoys the largest trading volume of any trading pair and bringing DeFi to Bitcoin will help bring liquidity to DeFi DApps.  

Brand visibility:  By now almost everyone in the world with a smartphone has heard about bitcoin.  They may even have a nickname for it…internet money, people’s gold, and others.  We cannot say that about Ethereum.  Brand visibility helps bring masses to a familiar service on Blockchain. DeFi is a great place to do that and bringing DeFi to bitcoin is a sensible way to do it.

Conclusion: More than just the hype

DeFi is definitely one of the most exciting things to come to crypto.  It has the hype factor of the ICO, but unlike ICOs, the utility around DeFi is not going to be a short-lived one.  

As the inflation in the traditional markets takes its toll people will be looking for alternative investments.  However, like Gold, they don’t want to invest in an asset that does nothing.  With DeFi, you can start earning interest or use it to raise capital without disposing of your digital assets.  

More importantly, DeFi is going to change the core structure of the financial system and may one day put the power back in the hands of customers so that their financial destiny doesn’t rot at the mercy of institutions.

Thank you for reading and sharing this article. Stay safe and healthy!


Everything in this article is an opinion, not an advice of any kind. This material has been prepared for general informational purposes only and it is not intended to be relied upon as accounting, tax, investment, legal or other professional advice. Please consult with a professional for specific advice.

We do not endorse or guarantee the accuracy of the information and claims made.

All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.

Get ‘Week in Crypto’ news updates in ONE email.
We never
spam your inbox and we only send one email per week
with updates, news, eBooks, tax updates, and more!
knowledge, not spam! Subscribe here.

best Crypto Tax Software


6 Massive Benefits of Cryptocurrency



Benefits of Cryptocurrency

It is normal to be hesitant about using cryptocurrency as the medium of financial transactions. 

There is a school of thought which believes, it is a domain suitable for criminals, fraudsters, and terrorists. Cryptocurrencies allow them to maintain anonymity for discreet transactions and ransomware scams.

However, the increasing acceptance of Bitcoin as a digital currency has initiated a positive perspective around this mode. It brings a distinct set of pros for the users, making them overlook the risks tag along.

According to the Finder, a post on social media surfaces about Bitcoin every three seconds. If we do the math, it means 1203 posts pop up per hour, making it to 20 posts per minute.

A more general view on the crypto landscape speaks of its overall growth, too. Block Social tells us how cryptocurrency exchanges around the globe have exceeded 300 during 2020.

In fact, the success of crypto shows us the loopholes of the traditional banking system. If you, too, want to leap on this bandwagon and aren’t sure about your next move, this is the right place. Our blog sheds light on the positive aspects of cryptocurrency that make it a more established form of financial trade. 


1. Easy transactions

When dealing with brokers or legal representatives, you have to pay the transaction fee from time to time. This comes along with immense paperwork, commission, brokerage charges, and so much more. Using cryptocurrency eliminates the need for a middle man. The transaction changes into a one-to-one affair taking place on a secure network.

No wonder Forbes stated that adopting blockchain technology can save financial organizations around $12 billion yearly. A deduction of extra charges from third parties and reduced operations cost is saving millions for huge organizations.

Moreover, the transactions are transparent, making it easier for you to establish audit trials. There is no more confusion over who pays whom. All parties involved in the transaction know each other quite well. Accountability on each party grows.

2. Asset transfers

A financial analyst rightfully describes cryptocurrency blockchain to be a “large property rights database.” On the one hand, it helps execute and enforce two-party contracts on commodities such as real estate and automobiles. At the same time, it also facilitates special modes of transfer. 

As per Born2Invest, Bitcoin alone is responsible for an average of 350 000 daily transactions on the Blockchain. Meanwhile, Coinbase has 30 million cryptocurrency users (Block Social). The increasing figures of each crypto speak of its acceptance worldwide.

The parties involved in asset transfer can design contracts and add third-party approvals at a later date. It also helps to reference the external facts and gives the parties exclusive governance of their account. It reduces the time and money involved in asset transfers. Perhaps this is why US federal government spending on Blockchain shall reach $123.5 million by 2022.

3. Confidential transactions

Cryptocurrency purchases remain discreet. Unless a user voluntarily publishes his transactions, the purchase is never associated with their identity. In official scenarios, such as when you put your cars for sale, the parties must reveal an association with their cryptocurrencies. It helps to establish trust and relevance.

Within the cash/credit system, your entire transaction history turns into a reference document for the banks/credit agencies involved. On the contrary, cryptocurrency is a transaction that is a unique exchange between two parties. They can negotiate and agree on preferable terms. The information exchange takes place on the “push” basis. This means you transmit only that which you wish to send to the recipient and nothing else.

It keeps your financial history secure and guards you against identity theft. Chances of which are quite high under the traditional transaction system. 

On top of this, the combination of Blockchain with IoT is considered revolutionary by the experts. This has accelerated data exchange, lowering the operation costs, and improved the security of files. Your Tech Diet predicted that 75% of the IoT industry would adopt Blockchain technology by the end of 2020. Lack of exposure is, thus, something the entire industry is looking for.

4. Transaction Fee

You have probably faced hefty monthly account statements from your bank/credit companies. The transaction fee charged at every transaction you have made might leave you shocked. The whopping fee of multiple transactions can take you by surprise at the end of each month.

In the case of cryptocurrency exchange, the data miners receive their share from the cryptocurrency network involved. Transaction fee does not apply as the remote and separate computer systems that do the number-crunching get a pretty fair share. 

According to Investopedia, the Bitcoin reward for miners halves for every 210 000 blocks added to the chain. Nonetheless, this system has freed the transaction parties to pay the fee, making it the most feasible. 

However, there might be some external fee involved if you engage a third-party management service to maintain the crypto wallet. These charges are likely to be quite less than the transaction charges levied by the traditional banking system. 

5. Hold Ownership

The traditional banking system works in a manner where the amount goes to the nominee if a person passes away. The chances of the account closing are quite high when you infringe the terms of their services. Unlike this framework, digital currencies give you the sole ownership of private and public encryption keys. This makes it easier for you to identify the encryption network.

6. High security

Once a party authorizes the cryptocurrency transfer, they cannot reverse it. This is not the case in “charge-back” transactions allowed by the credit companies. Cryptocurrency gives you reliable encryption throughout the transaction process to keep it protected from bugs and malicious entities.

Systems like Binance Smart Chain are enabling people to do more with BTC.

Final Thoughts 

Cryptocurrency is taking the financial world by storm, and we know the reasons why. It is about time you kickstart your digital finances journey and make the most out of it. Who knows what surprises are about to come later in this landscape!

Thank you for reading and sharing this article. We appreciate you.

Stay safe and healthy!

Top 5 Cryptocurrencies 2020


Everything in this article is an opinion, not an advice of any kind. This material has been prepared for general informational purposes only and it is not intended to be relied upon as accounting, tax, investment, legal or other professional advice. Please consult with a professional for specific advice.

We do not endorse or guarantee the accuracy of the information and claims made.

All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.

Continue Reading


Cardano or PolkaDot? Which One to Invest In?



Cardano vs Polkadot

There is a new battle in the crypto space.  Cardano (ADA) and PolkaDot (DOT) maximalists are headbutting as to which project is better and why.

The conversations are intense to say the least and we will try to provide our view on which one we are leaning toward and the reasons why, in this rather short article.

Just to be clear, we are invested in both ADA and DOT so we have a vested interest in both projects, however, we are now asked to pick one over the other and that brings us to this article.


The whole spirit of cryptocurrencies is the concept of decentralization, however, some of the more popular projects don’t seem to have a grasp of what that means.

Diem (previously Libra) or XRP etc., are controlled by a group for validators who could, in theory, easily collude, in our view.

With DOT, things are not as centralized as some other projects with about 1000 validators securing the platform.

However, ADA has the most number of nodes and has most of its circulating supply staked on its wallet. The community behind ADA has biggest proponents of decentralized frameworks.

ADA: 8 (top 10 is reserved for BTC)

DOT: 6


Cardano boasts the maximum number of Ph.Ds on its team and has a more decentralized team structure.  You have teams that are working exclusively on wallet and staking while you have other teams focusing on interoperability. Yet, another team is focused on bridging projects from Ethereum to Cardano.

DOT has the ammunition of Gavin behind it. He is undoubtedly one of the brilliant minds in the space. 

However, as we learned in basic math, sum total is always greater than an individual unit.  This applies more aptly with these projects. In our opinion, Cardano has a greater edge when it comes to collective human capital.

Having Charles Hoskinson helps ADAs impression.

ADA: 8

DOT: 6

Social presence

There is no competition when it comes to social presence and engaging the community when it comes to the leaders of these two projects.

While DOT’s founder Gavin might come out as eccentric and polished in the social media, Charles takes the cake in engaging with his audience and making things sensible for the community.

ADA: 9 

DOT: 7

On a mission

Whenever you hear Charles speak about ADA you will immediately understand that he is on a mission to bring the marvels of blockchain enabled financial services to all corners of the world.

Cardano’s team is now focused on the South Africa continent to bring the under-previleged onto the world commerce through their platform. They are even close to signing a contract with Ethiopia government in 2021.

While DOT is catapulting the entire space forward it just lacks the same charm that comes with a project on a grandiose mission.

ADA: 8

DOT: 6 

Miscellaneous considerations 

Market cap: ADA has $20 Billion market cap while DOT has $19 Billion, as such they are on par with each other when it comes to valuation. The large cap is a stamp of approval from the crypto community.

Price: ADA is at around 60 cents while DOT has been stabilising at $20 at the time of this writing. When the newbies come to the market and they see they cannot afford Bitcoin or Ethereum, they will most likely go after the projects that are under $1. This does not mean DOT is inferior, it is just an edge that low priced tokens have over higher priced projects. It’s just a newbie mindset that drives higher demand during bull runs to lower priced projects.

Inflationary supply

DOT has an inflationary supply model while ADAs supply is capped.

Yes, DOTs supply is far larger than DOT, however, there is no new minting on ADA when compared to DOT.


DOTs technology is operational and is onboarding projects already.  ADA is scheduled to launch its mainnet this month (Feb 2021). ADA has been in works for many years now and if their product matches the hype and the wait – then it may not matter as much that they are late to the party. However, if there are issues with their mainnet – it may not bode well for ADA.

Conclusion: Total score

ADA: 33

DOT: 25

If you are a DOT fan you might think this score is skewed.   If you are an ADA fan you might think it should score perfect points in all fronts.

In fact, there are some areas where DOT is a clear winner like having a functioning platform. ADA, in our opinion, takes the prize with clear fandom, gigantic mission and a total brainiac project. 

Thank you for reading and sharing this article. We appreciate you.

Stay safe and healthy!

Top 5 Cryptocurrencies 2020


Everything in this article is an opinion, not an advice of any kind. This material has been prepared for general informational purposes only and it is not intended to be relied upon as accounting, tax, investment, legal or other professional advice. Please consult with a professional for specific advice.

We do not endorse or guarantee the accuracy of the information and claims made.

All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.

Continue Reading


Best of the Best YouTube Channels to Follow for your Crypto Fix



Best Crypto Youtubers

There are literally 100s of crypto-experts on YouTube who claim to have cracked the secret code that can make you millions in crypto riches. 

Who should you follow?  

We have followed many YouTubers, subscribing and unsubscribing to avoid the noise and after having been in this space for over 4 years, we have narrowed our favorite crypto YouTube channels to just a few.

In this article, we will show you our favorite YouTubers and what we like about each one of them. 

Overall number 1: Coin Bureau

coin bureau When it comes to deep analysis, composed demeanor and outright professional crypto channel in the entire space, we have not come across anyone better than Guy.  

Not only is he great at the reviews and in depth analysis, if you have followed the channel long enough you will realize that he reviews the gems long before others pick on the momentum.  

He picks solid projects, never shills a shitty project to his followers and is upfront about his views which he backs up with solid research.

This is the best no-shill and no bull crypto channel on YouTube in our view.

Best original content: Chico Crypto

chico crypto review

If you love a bit of quirky, goofy and somewhat out there viewpoints on the crypto space then there is no one better than Tyler at Chico Crypto. 

His investigation stretches the boundaries of research (and sometimes common sense) but he does do a bang up job on every video.  

I am yet to come across a boring video on this channel.  I will admit that his live streams can be a drag sometimes but his followers seem to relish his presence.

You may not like or agree with what Tyler presents on this channel but you will absolutely be floored by the originality.   

Best TA: TIED: Crypto Capital Venture & Tyler S

                         Crypto Capital Venture Tyler S crypto

With under 90K subscribers at the time of this writing, Dan may not be the most popular of the Crypto channels [yet] but his TA analysis is just so easy to follow.

Dan makes it easy for non-technical folks to understand what’s going on in the market in the language of TA.

There are other folks on YouTube who are good at TA but their videos are so obnoxious that they leave you with a massive headache.  

Not Dan’s Crypto Capital Venture channel.   Dan walks you through the markets in such a calm, composed and professional manner that you might start caring about those candles.

We are forced to share the Best Title for crypto TA on YouTube with Tyler S. 

Tyler’s expertise on TAs is quite awesome and he has a funny way of delivering it too.  

Best expertise on the markets: Alessio Rastani

Allesio RastaniIt doesn’t matter if you are just lurking around the crypto markets or if you trade in the traditional markets…Alessio is one of the best guys on YouTube for great insights into the broad market and its impact on Crypto.

While everyone on YouTube (not the people on this list, of course) is either quick to FOMO or FUD, Alessio is just grounded in fundamentals and technicals.

When you are high on FOMO, he can bring you to the ground.

When you are getting buried in FUD, he can lift you up with facts, not false hopium.

Alessio is personable, professional and an honest guy to follow to understand the markets ahead of others.

Best round up of the market: AltCoin Daily

Altcoin DailyWant to stay up-to-date on what’s happening in the crypto space but don’t have time to keep up?  

Fear not. AltCoin Daily got you covered.

This channel is just a gem among the channels that bring crypto market updates in a concise and palatable format.

You can sense the dedication in the way Austin brings the updates and his opinions in front of his audience. No wonder the channel has recently hit over 420K subscribers.

Best humble and honest take: Crazy 4 Cryptos

Crazy 4 crypto

What does Crypto mean to you?

Most people will say ‘Freedom’, yet, most of the YouTubers we see on the Tube will be broadcasting from their bedrooms or backyards (nothing wrong with that) but not Dave.

He has been in Thailand and streams his videos directly from the beach.

You will immediately connect with his simpleton style and honest reviews.  

He has been touting about Theta when it was trading in cents and now those who followed him are very happy.

Besides Theta, Dave talks about a lot of topics in terms of storing your coins, being careful with people and how to have a long-term plan in space.

Honorable mentions

Team Underground (TA)

We had too many channels to weed out for the TA category and that is why we had to pick two winners, however, Team Underground is a channel we cannot skip.

This underdog channel has been more right about the calls than any other mainstream channel. If you like your TAs and technical side of crypto – be sure to check this channel out.


People either love him or hate him.  There is no middle ground when it comes to BitBoy.  

Personally, we have to weed out a lot of noise while browsing through his channel since he picks a new project every few days (or weeks) and can become overwhelming. 

However, the fresh content is worth the watch.


The guy behind this channel is truly vested in the space. So much so that he recently launched his own crypto project.

It’s definitely refreshing to see the YouTuber taking his expertise into a live project.  

The reason we did not list this channel on the BEST list is because of the constant feed of projects he pitches that is a bit overbearing for our taste.  

Nevertheless, a great channel and great recommendations.


There are 100s of YouTube channels out there but not everyone is worth your attention. We hope you found some channels of interest through this article.

Note: if we missed any gem of a channel, please let us know and we will be more than happy to add it after review.

Thank you for reading and sharing this article. We appreciate you.

Stay safe and healthy!

Top 5 Cryptocurrencies 2020


Everything in this article is an opinion, not an advice of any kind. This material has been prepared for general informational purposes only and it is not intended to be relied upon as accounting, tax, investment, legal or other professional advice. Please consult with a professional for specific advice.

We do not endorse or guarantee the accuracy of the information and claims made.

All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.

Continue Reading