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Chasing the Micro Cap Gems #2: aXpire, a Blockchain Business with a Working Product



axpire price prediction 2021

Chasing the Micro Cap Gems

ALERT:  Chasing the Micro Gems series aims to dig up the projects that have a low market cap, decent team and potential to explode in value. These projects pose a high risk-reward ratio so please DYOR before investing.  We invest a small portion as a gamble on these projects. Do what fits you after DYOR.

NOTE: We have asked the team a few questions and will update this article once we receive them. Please DYOR.

Continuing our quest to find micro cap gems, hopefully before they explode, we turn to aXpire as our second pick in the series, which at the time of writing had less than 2 million market cap.

While scouring through a lot of chat-piles on the internet we are given many names to review and it is quite overwhelming to filter through them.

To say we put in a lot of work in filtering, researching and reviewing the projects against our framework is quite an understatement.  

You can read the entire framework to apply to your favorite projects here:  How to pick the Best crypto project?

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You can also get the top 5 Cryptocurrencies we picked using this framework, for FREE (for a limited time).

Why have we picked aXpire as a micro cap gem?

Experience counts!

How many crypto projects out there do you know that meet the following conditions?

Working relationship with Fortune 500

Real world experience in delivering product and services

A team that has launched and succeeded in floating a SaaS company

Under $2 Million in market cap

Not only that, when we reached out to the CEO, Gary R Markham, he responded to us in under 5 minutes.  We can only imagine how they respond to their paying clientele.

We can stop right here in terms of why we are comfortable throwing a few hundred bucks at this project.

However, for the more curious ones who believe in that old fashioned thing called DYOR, here is what we dug up on aXpire.

What is aXpire?

aXpire’s team has been in the software space for over 15 years.  They create FinTech SaaS products for their clients.

aXpire has launched its blockchain based company with its own token call aXpire(AXPR).  

They offer 2 products at the moment:


“An end-to-end spend management and expense allocation software that automates manual tasks.”


“Bilr helps automate timekeeping and billing through e-billing.”

If you ask us, that’s two working products more than most microcap projects (and even large cap coins).

What’s more impressive is that these two products solve a real business problem that people want a solution – now.

It is not a latent or made up problem.

Applying our Crypto Pick Framework

Let’s apply our Crypto Pick Framework to aXpire and see how it measures:


As we stated above, aXpire aims to solve real world problems in the area of wasted time on administrative tasks, timekeeping and billing.

This is quite a big problem with people actively looking for solutions.

aXpire building these products on top of blockchain could give it a head start in the blockchain/crypto space.


The core team of aXpire is quite impressive, in our opinion.


aXpire’s team has worked with Fortune 500 companies and has been associated with other companies in the blockchain space as well. 

Axpire Partnerships

Axpire Partnerships

Beyond the name dropping, the fact that the solutions offered by aXpire’s team were used by these giants is a testament to the business acumen and customer awareness that the team has.

Addressable market size

Filling out timesheets alone wastes over $7 Billion a day.  

Don’t skim through that sentence, let that sink in.  It is estimated that over a Trillion dollars is wasted in timekeeping and that is just one of the solutions that aXpire is aiming to tap.  

This space can accommodate success of multiple players. 

It can also act as the gateway for the companies to try blockchain with help of aXpire.

Revenue model

Having experience in the SaaS business model, we expect that aXpire’s revenue model is that of sustenance and continuity.

Bilr offers a subscription model while Resolvr offers a Singular License fee model. 

Unlike most companies in blockchain space who rely heavily on appreciation of ‘token value’ to justify their existence, aXpire actually has a business model in place to generate revenue.

What do we like about aXpire?

Team with great experience and industry connections in the SaaS space.  

Products that are ready and live.  The solution is not a pipedream, it is a reality today.

Market Cap is well below $2 Million (at the time of this writing) which is 10 times lower than the funds raised during ICO ($20 Million).

Drawback: Narrow vertical

Unlike most blockchain pitches, aXpire is not looking to change the world and reimagine how businesses are done.  Instead, they are looking to offer solutions to the problems faced by the real businesses – today.

For some ‘pie in the sky’ crypto dreamers this may look as a draw back (and sure, it may even draw less folks to trade).

Q&A with aXpire

1.Is aXpire actively onboarding clients (or continuing to pursue)?

Yes, very much so. We’ve been in building mode (and still are) and are now moving into sales and marketing territory.

2. What does the team think contributed to the hard fall of the token value much below its ICO price?

Can’t comment on trading or prices, but AXPR unfortunately launched right as the 2017 market crashed. The crash was happening at the exact same time as we were listing on exchanges.

3. What is the current team size working on aXpire?

~30-40 in US and India mainly.

4. What is aXpire’s vision for Bilr & Resolvr products? Are there more products coming?

To remove outdated, human-manual processes which are draining resources (time + money). With our software, we automate a bunch of inefficient tasks and remove the likes of paper, spreadsheets and PDFs from enterprise workflows.

More products are coming, yes. PayBX, as an example, is in progress.

5. What is the revenue model and liquidity status at aXpire (since the ICO)?

Healthy. No financial issues. aXpire is generating revenue.

6. What, according to you, is a strong case for aXpire’s future success?

We provide software which helps companies save/make money, and so the ROI is quite compelling.

We’re getting to a point now where our products can be sold at scale.

7. How does Axpire token gain value (other than from the burning) – where does the token derive value?

The burn is an obvious one, which would continue to scale as new clients come onboard. In addition, we’re exploring adding HODL mechanisms to a future version of PayBX if the MVP launch is successful.

The way this would work is essentially discounts for holding AXPR, and other benefits, e.g. access to premium features and beyond. Still being explored.


A great team, proven experience track record, small market cap, working products and a company that operates like a business (and not a pump and dump factory) – aXpire checks all the boxes of a microcap gem, in our opinion.

Will the company be able to break through its downtrend and emerge as a winner?  Only time can tell.

Official website: http://axpire.io/

Ticker: AXPR

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

Also Read:

Chasing the Micro Cap Crypto Gems #4 – Skrumble Protocol – Why We Changed Our View On This?

Chasing the Micro Cap Crypto gems #3 Phantasma is Aiming to do it All!

Chasing the Micro Cap Gems #1: TRIAS aims to bring Trust in Technology

Stay safe and healthy!

Top 5 Cryptocurrencies 2020

best Crypto Tax Software


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.


A Beginner’s Guide on How to Build a Steem Bot



How to build steem bot

Steemit is the first blockchain-based blogging and social media website that rewards its content creators with the cryptocurrency STEEM when they publish or curate content. 

Top 5 Cryptocurrencies 2020

Bots were first introduced in the Steem ecosystem in 2016, and have since then come a long way. The most common Steem bot development is done for upvoting posts – in simple as well as complex conditions. A Steem bot developer can create an application over blockchain to perform tasks that are simple, but structurally repetitive. There can be certain pre-programmed conditions under which the bot functions and produces results. If too many conditions are levied, it creates complexity and the bot could run for long periods of time until the specific criterion is met and satisfied. 

Steem bot development involves real-time automation over Steem blockchain with the help of simple APIs. The Steem bot developer can simply bootstrap an automated task with Steem without having much understanding about the node’s mechanism and tricky API.

Steem Bot Development – How to Build a Steem Bot

There are plenty of operations that you can simplify by learning how to make a bot for Steemit. In fact, you can even make money with a Steemit bot if you are adept at building one. This tutorial guides you on how to build a Steem bot that can perform the function of auto-voting. 

  • Outline

An auto-voting bot can automatically upvote posts from the selected list of usernames. When new people join your platform, you can upvote their milestone to encourage them with the help of this Steemit bot. 

  • What You Need

A plain text editor

Your private posting key – this is available in your wallet which can be accessed through the permissions tab on steemit.com. The private key feature allows the bot to vote.


  • specify a list of usernames (your friends)
  • connect to the Steem-js API
  • check when a new post is posted to the Steem network
  • check if the post belongs to any of your friends
  • send a vote to that post

Once that the basics are outlined for you, let us begin with the development:

Step 1: Set Up

For the purpose of this tutorial, we will have the bot run in the web browser (However, a more effective way to use this bot would be on the command-line, but this one is simpler and a good place to start from for a beginner).

Set up a blank HTML file and link it to the steem.js library. The library does most of the work as most of the commands are already present in it, talks to the Steem network, and means that we need to write very little code ourselves.



<script src=”https://cdn.steemjs.com/lib/latest/steem.min.js”></script>





You can go ahead and save this file as bot-tutorial.html. Although, if you run this file right now, it’ll only show you a blank screen.

Step 2 – Create a list of Friends

This step will enable you to store a list of names to the code. Whether the names should be up-voted or not can be decided later.

const FRIEND_LIST = [‘June’, ‘Zoe’, ‘Karen’, ‘Sarah’]

Once the bot is running, the list of names cannot be changed. So create an expansive list.

Step 3 – Connect to the Steem-js API

Connect to the Steem network and check all new transactions. Each block on the Steem blockchain holds transactions which can be anything – transfers, votes, comments, profile updates, and many more. Once we connect to the Steem network, we’re sent new data from the blockchain every few seconds. 

The API is very consistent and follows the same set of rules.

Whenever you interact with the steem-js library, specify steem.api and then the action that you want taken. In some cases, actions need to provide extra information. This information is called arguments. 

SteemBot constructor after declaration will provide some methods as events, which you can use to trigger different behaviors for different users. The first argument of every event method is always targetUsers and the second one is handler function. If you omit targetUsers the first one will be handlerfunction.

Targetusers could simply be a string with the username of a Steem account, or it could be an array of usernames. Omitting this parameter will require the event to trigger all users.

Step 4 – Check for the Names in Your Friend List

Once you’ve connected to the Steem-JS library, you need to check if the names that you get from the blockchain match those in your list of friends. To do this, create a function. Functions allow us to create blocks of code that we can reuse over and over.

The function can be created like this:


  return (FRIEND_LIST.indexOf(name) > -1);


Out function takes one piece of data ‘name’ and returns us a yes/no or a true/false answer. 

With the help of this code we are taking our FRIEND_LIST and looking for the index (the position) of the name we entered. If the friend name that we ask for is in the list, it will say 1 or 3 (to show the position at which the name is at) for example if not it says -1. checking if the answer is > -1 gives us our true/false for friends. 

Step 5 – Send Votes

Once the above steps are completed and the structure set up, the final step includes coding to send votes. For this, use the following command:

function sendVote(author, permlink){}

We can create another function which is slightly more complex and specific. In this function, the data we need is the author and the permlink. This function will specify the author and the post that you shall vote on.

function sendVote(author, permlink){

steem.broadcast.vote(ACCOUNT_POSTING_KEY, ACCOUNT_NAME, author, permlink, 10000, function(err, result) {




With this function, you can enable a ‘steem.broadcast’. The data that you need to share includes the posting key, account name, the author, the link and a voting weight. Note the voting weight does not use percentages so 10000 is the same as 100%.

Finally, you can update the function to add the sendVote function instead of just a message. We’re taking the data from the transaction and using it in our send vote function.

That’s it! With the help of this simple tutorial on how to build a steem bot, your friend’s post will automatically get upvoted in your post.

You can use this simple exercise to create simple function and for steem bot development to help you in making your programs a lot more personalised. The bot will automate repetitive tasks of upvoting content each time without the need for your assistance. The bot will automatically start scrolling and fetching more content, then analyze everything and eventually upvote. Then it will refresh and do it again, and again, and again, and again.

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

This is a guest post by Vin Boris.

Author Bio:

SteembotVin Boris is a Social Media Marketer and Content Writer at Steem Blockchain Experts , a Blockchain and Steem currency based development, consulting and marketing firm. Vin Boris has been Outshining in the Blockchain Tech. industry for more than 10 years.


Stay safe and healthy!

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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.

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Crypto News




Fomo and FUD

What you can expect to learn?

  • FOMO and FUD Test
  • What is FUD, FOMO and factors causing them
  • Strategies to tackle FOMO and FUD 

Before we begin the article, let’s do something fun. It will take less than a minute. Give a shot at this quick FUD/FOMO test and see how you score.

Fomo Fud Calculator

There are two arch enemies in life in general and trading in particular, and more so specifically in crypto trading life:  Fear of Missing Out (FOMO) and Fear, Uncertainty, Doubt (FUD).

What is FOMO?

When we think that the train is going to leave the station and try to jump on it at any cost, that is parallel to acting out of Fear of Missing Out (FOMO).  

We forget, temporarily, that there are more trains to catch and that the market is here in the long run.

When you fall for the hype and do not follow the facts, like this guy that Jordan Belfort is seen conning in Wolf of Wall Streets.

What is FUD?

When we let negativity and false information drive us out of the market or keep away from good opportunities, we are facing Fear Uncertainty and Doubt (FUD).

A real life example could be, letting some false information blind us completely from reality and lead us to make irrational decisions.

For instance, this gentleman who is reacting to a VR immersion to a totally false reality.

Difference between FOMO and FUD

Crypto trading, for that matter any trading, is a zero sum game.

What that means is, for you to win, someone has to lose.  For you to sell at a profit, someone has to be willing to buy at a higher price.

Is FOMO and FUD bad?

Not all situations of FOMO or FUD bad when they are backed by a process.

For instance, when Chainlink dropped to $1.8 we jumped on the opportunity to buy a few.  At this point, Chainlink was already 600% from its initial listing price a year back.

Because we had done our research and have established our target entry points, buying into an asset that is already 600% high was not a bad decision.

Similarly, when you get disillusioned through research and new information that the project you thought was going to the moon is actually a piece of scrap, it is ok to FUD out.

As long as we keep our rational hats, FOMO and FUD can help us make timely decisions.

What causes FUD and FOMO?

Following blindly

When you choose to simply follow someone’s advice without validating the facts just because someone said it, then you become a victim of FOMO or FUD, depending on what is fed to you.

For instance, take the News channels.  In this day and age, they are mere propaganda promoters.

Many people either are clutched by fear or act carelessly based on what is fed to them.

If these channels say that the market is heading for a crash, people following these sources will take hasty decisions.

When they report something rosy – market responds by going euphoric, irrespective of facts.

This is exactly what we are witnessing today with COVID crippling the economy while the stock market is rallying to new heights each day.


FOMODuring the 2017 crypto bull run, some people who made millions of dollars couldn’t exit the market because they thought they could time the market.

So they kept playing and lost their gains and in some cases capital to the crash.

Greed generally makes people make irrational decisions that ultimately lead to their own peril. 

Lack of research

Who wants to read a boring 30 page whitepaper when you could let a YouTube influencer give you his opinions?

This convenience has resulted in relying on influencers without understanding the underlying intentions.

Do you know if the influencer has any conflict of interest?

Are you getting an unbiased view of facts or are you just getting biased opinions?

Lack of research is one of the biggest reasons why people are forced into making irrational decisions.

Sensation for facts

In the world that floods us with millions of bytes of information, the one that grabs your attention wins. 

In this race for attention, we have become victims of ‘clickbait’ headlines.

I have read in some forums that people have executed a wrong trade by just reading a clickbait headline only to realize that the actual news was not as rosy or dire.

In the online world of stimulation, sensation sells.

Unfortunately, we cannot make investment decisions based on sensation.

Investment is mostly a boring activity.  It involves reading a lot of dry sources, following through on due diligence, carrying out research, executing decisions and being patient for the right time.

How to tackle FUD & FOMO?

Curiously, the tools to tackle FUD and FOMO are the same, that means, you tackle one and you tackle the other.

Using FOMO and FUD against one another

When you are faced with FOMO, go out and seek negative information on the project that has you in the FOMO grips.  

Create deliberate FUD for yourself.

If you are suffocated by the clutches of FUD, then remind yourself why you were interested in the project in the first place.  

Has anything changed about the project that got you interested in the first place?  

If yes, then you have to simply take the next logical action.  If nothing changed, you can motivate yourself by seeking FOMO angle.

This strategy will help you remain sane while the market goes nuts.


I am not going all spiritual on you but trust me when I say this helps.

When you are running after or away from something you take short breaths, this is a good indication that you are going to make some hasty decision.

When you are faced with a FUD or FOMO situation: BREATH. 

Consume the information without reacting.  To stay rational, practice conscious breathing and then put your head down to ‘dig for the facts’ before you take the decision.


There are over 6000 projects in the market.  You cannot learn about every project fully.

However, you can learn about a few projects as fully as you can.  This research will help you gain insights that will help you to make the right decisions.


Technology has changed but us humans have remained the same blob of biology. 

Human nature, gravity, north pole, south pole, have remained unchanged.  

Similarly, the fundamentals of a good project are the same whether you are looking at  a company in the crypto space or traditional space.

Look for these solid fundamentals. If your project has these fundamentals – then the temporary ups and downs should not bother you. 

This will help you sleep better at night.

Beware of confirmation bias

We usually seek out what we want to validate.

Read that again.

We as creatures of habit want to reduce the world to fit our view.  

This is particularly true about our investments.  It is important to consciously seek out contrarian views that of yours.

This will help you gain greater perspective and make all round decisions.

Follow the money

More often than not, mainstream media will be saying one thing and the big money is doing something else entirely.  

Even if the news of FOMO or FUD is true, it is usually an ‘after-the-fact’. 

No one will actually let you in on the secret before they place their bets.  

For instance, someone will talk about how this startup is going to change the world AFTER that company has already gone public.  

This means, the VCs are ready to dump their stocks onto unassuming noobs while they 1000x their seed investment.  

A classic example of this in the crypto space is when JP Morgan publicly condemned Bitcoin and threatened to fire anyone at the firm who buys bitcoin.

Secretly, JP Morgan was buying boat loads of Bitcoin and shortly they even introduced their own cryptocurrency.

In this short video Teeka Tiwari reveals all the hypocrisy of these big players who manipulate the market into FUD and FOMO depending on what benefits their deep pockets.

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

Stay safe and healthy!

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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.


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Crypto & Ransomware Attacks: What to do Before you Become a Victim



Crypto ransomware

Imagine losing access to all your wallets and keys on your computer and in a flash losing all of your digital valuables.

If you think it is a wild thing to imagine, think again.

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With over 88% organizations in Saudi Arabia and 54% of US organizations reporting Ransomware attacks in 2019 it is never too early to be cautious.

Especially, if you are in the habit of storing wallet keys and account passwords on your computer (or tablet).

In this article, we provide you some tactics that you can use to treat Ransomware attack as an inevitability and prepare for it in advance.

If it sounds morbid, that was the effect we were going for. 

What to do to avoid becoming a victim of Ransomware?

avoid ransomware

Be vigilant

The best antidote to Ransomware is to not get one. To avoid being a victim of Ransomware, you have to know how it attacks.  

Here are the top ways Ransomware attacks take place:

Phishing through email

This one method accounts for over 60% of Ransomware attacks.  Phishing is simply trying to lure victims to click on a link or download an attachment.

The creativity that goes into phishing attempts is quite sinister.

For instance, if you received an email from Coinbase.com and if you have an account with them, it is easy to click on the link without verifying the actual source.  

As an example, look at below link:


It is easy to think that this is a genuine link, however, if you hover over the link you will see it will take you to a different website entirely, in this case, we have directed the link to our own website.

Crypto specific:

Be very careful about clicking any links on emails telling you about any free airdrops or giveaways or security compromises.

Greed and fear are common triggers that scammers use to lure you into clicking links or installing Ransomware.



When we had a problem with the Binance account, we were trying to call the Binance customer support.

The problem is, we were looking for Binance support on google and astonishingly all the top slots were bought by scammers.

If you called any of these numbers they will listen to your problem like professionals and ask you for your ID, password, 2FA, etc.,

This is a dead give away.  No genuine company requests this information via phone (or even email).  

Hangup at once and go to their official website to find the customer support details.

Crypto specific:

As much as possible, try to type in the website address.  If you do use google, make sure you do not click on paid ads as some of them are bought by scammers sometimes.

Calls & spoofing

Many of my friends who are in the US on visa received a call during 2018 and 2019 threatening that police officers are on their way to their homes to arrest them unless they are ready to cough up $$s.

The callers were so intelligent that they actually spoofed the local sheriff’s number when they called so that at an off chance that you google the number – you will be even more convinced about the threat.

During one such event, I called the Sheriff’s office directly and the lady on the other end said that she was the only one who worked at the Sheriff’s office and they have no guys, and that the Sheriff (or any agency for that matter) will never contact anyone via phone about any legal matters.

Crypto specific:

Exchanges will never call you to tell you about hacks or security issues.  Never give away any passwords or 2FA on the phone.

Shady websites – look for the shield

If you have to access any shady websites, make sure you have a separate device for that other than the one that you use to access your emails and store files.

General rule of thumb is to look for the ‘secure’ key on the browser to make sure that the sites you are visiting are safe to visit.

Take regular offline backups

It is important to have backups either on an offline system or harddrive. To ensure you don’t lose data due to damage to the drive, strive to take 2 backups.

Crypto specific:

Hardware wallets are a great way to secure your crypto wealth. Do not store wallet keys or passwords to your accounts on your computer.

Redundancy is important but not too much

Have important files, keys and other information on offline devices that are not connected to the internet.

Use anti-virus and anti-malware software

Some anti-virus and anti-malware software warn you every time you try to install something to grant explicit permission.

This helps if some Ransomware tries to silent-install itself.   

What to do if you become a victim of Ransomware?

how to avoid hack

If you do end up becoming the victim of a Ransomware, do not panic and follow the following steps (these steps are assuming you are an individual and not an organization).

Disconnect from internet

Turn off your wifi, unplug your modem and internet connection.  Some of the 

ransomwares have worms (which is a fancy way of saying they install themselves on all connected devices on the network) and distancing the infected computer from the network is the first step.

Disconnect all devices from the network

Computers, printers, any device that uses the internet from the same network (devices connected via wi-fi is a good place to start). 

Wipe the system clean

The best bet when your files get locked is to clean up your harddisk and reinstall the entire system before you start using the device.

Restore the computer using original software

Try to use OEM sources to reinstall your original software onto the wiped system.  Do not login to any financial accounts from the computer until you have re-run a security scan using the latest version of antivirus.

Do NOT pay the ransom

Ransom looks like a tempting solution, however if you pay ransom, you run into following issues:

  • You may not get the access to the files despite paying the ransom
  • You will be encouraging internet terroris*s by paying them
  • You might get marked as someone they can bully into paying

It is always better to reach out to respective authorities for help. 

Special areas of concern for Crypto folks

Mining software

Many of the mining software files are flagged by the anti-virus and anti-malware software as suspicious.

You are forced to shut-down the firewall to complete the installation of these mining files.

Do you completely trust the source of these mining software? 

As a general rule, we try to use apps for mining that are available on popular platforms like AppStore.   

These companies have stringent protocols that the app needs to adhere to before it can be listed on the store.

However, when you download a mining software directly from websites – be sure that there is nothing phishy.


Cryptojacking is a method in which the malware sits silently on your computer and uses your computer (and any other device connected to the same network) to mine cryptocurrencies.

Any device that is connected to the internet is vulnerable to cryptojacking.

Because there are no alerts or ransom demands, it is difficult to detect if you have been a victim of Cryptojacking, this is why having a reliable anti-virus and anti-malware software could help.

In conclusion

Most, if not all, of our funds are in digital form.  This is especially true for cryptocurrencies. Unlike the traditional banking system where you can lodge a complaint or tap into insurance, crypto is our own responsibility.  

As such, the onus lies on each of us to make sure we are prepared for any potential attacks including Ransomware.

We hope this piece has given you some things to think about your crypto security.

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

Stay safe and healthy!

Top 5 Cryptocurrencies 2020

best Crypto Tax Software


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.


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