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Microsoft wins a big contract; iRobot suffers from the trade war.
Disclaimer: Hey folks, this is Shama, and I own shares of Microsoft.
Stamps.com is back on track, while Boeing is flying off the track.
Disclaimer: Hey folks, this is Hoda, and I own shares of Stamps.com.
Facebook's vision for the future is crashing, while UPS is just getting started to shape the future.
WHAT ELSE?
Listen to Planet Money’s podcast, Episode # 943 - Unicorn Cowboy. It is a fascinating story of the founder of SoftBank, Masayoshi Son, and how he built his company.
Disclaimer: Hey folks, this is Shama Patwardhan. I wrote today's post, and I own shares of Facebook.
What happened? Just Eat (GrubHub of Canada and the UK), and Takeaway.com (Same thing in Amsterdam) are merging. Consequently, shares of Just Eat (Ticker: JSTTY) went up by more than 19%. The celebration came after takeover news by Takeaway.com. What does it mean for investors? The company has been growing rapidly and steadily, with the most significant growth coming from its Canadian operations. The merger by Takeaway.com is perceived to be great news for investors. It will give the combined company the strength to compete with Amazon-backed delivery competitor Deliveroo. While this company has proven to be a well-managed and growing stock, the takeover news has pushed the stock to an overvalued range. There is no need to rush and invest now. The resulting company may still be worth investing in, once the merger is finalized and the dust is settled. Zoom out, and now what does it mean? Delivery-food wars and mergers are coming. Amazon shut down its food delivery and instead invested in Deliveroo. The combination of a very competitive market + delightfully entitled customers + and the need for delivery speed is killing these company's margin. There is not enough room for too many food-delivery apps. We should be ready for similar mergers and takeovers in the U.S. market. Low margin businesses, with high acquisition cost, and little to no customer loyalty need massive scale to become profitable and stay like that. By the way, Just Eat's Stock Card is here: https://stockcard.io/JSTTY #investment #investor #stockmarket #fooddelivery  Episode eleven of our Weekly Master, the Basics of Stock Market Research webinar, is out. In this episode, we discussed, is it time to invest in Snap (Ticker: SNAP)? The latest better than expected quarterly results by Snap has got the market excited, and the stock price is rocketed. If you have been watching the stock for a while and have been wondering whether its time to invest in Snap, this episode is for you. Don't forget to join us next week for another live and informative "Master the basics of stock market research" webinar. Register here: Register here: https://blog.stockcard.io/webinar.html
Folks, last week, we talked about July as the month to review our portfolios and watchlists to identify what's worth our attention, and which stocks have lost their luster. I shared with you a four-part checklist. And, the first two questions in the checklist are about which winners in our portfolios are worth holding, and which losers are not worthy of our time anymore.
This week, I'd like to share our approach to answer the first two questions of the checklist. This is a long-form email that goes through the step-by-step process we are using to conduct our July's portfolio clean-up. Let's get to it.
STEP ONE
There are 94 stocks in my Roll With Our CEO portfolio. First, I wanted to identify the winners and losers based on their total return in comparison to the overall market. I have all such information available to me on Stock Card. If you go to Track Your Performance page, the last column in each portfolio shows your stocks' gain over the S&P 500 market index. I used that column to group my stocks into overperforming (winner) and underperforming (loser) stocks. This is how the results turned out: 
Note that an underperforming (loser) stock may have grown higher, but not just faster than the overall market. While not losing money is great, overperforming the market matters the most. If they are underperformers, you'd want to dig deeper to figure out whether you can see a reasonable path for the company to surpass the market. Otherwise, it needs to get casted to free up cash for stronger picks.
STEP TWO
The next step I took was to group the stocks in my Roll With Our CEO portfolio based on their market potential and operational strength. Again, such information is available on the Track Your Performance page. Looking at the Stock Card's 2X2 thumbnails (on All Stock Card page), as you know, the top two colors represent "market potential" and "company strength". If both market potential and company strength categories were yellow, grey, or red, indicating a potential weakness in the market or operations of the company, I tagged the company as a stock that needs a "Review." Here's how the results turned out: 
STEP THREE
Now, let me take the analysis one step further to figure out how many stocks are real concerns because not only they have "Underperformed" the market, but also they need a "Review". This is the part I'm very excited about. It's a map of my portfolio based on where I need to pay the most attention: 
In the next few weeks, I will share a detailed review of the 20 stocks in my portfolio that have underperformed the market, and also have shaky market potential and operations. The Stock Cards of those companies will get a comprehensive review and update, and you will be notified if any of them are either worth adding more to or getting rid off. Stay tuned for the next update.
NEXT STEP FOR YOU:
Now, it's your turn to start your July portfolio review. How many of your stocks have underperformed the market? And, which ones have a combination of shaky market and operations?
If you have any questions about how to evaluate your portfolio using the above approach, you can schedule a one-on-one Office Hour. This is a concierge-style service we only provide to our VIP users. All existing VIP members or if you are planning to join us as a VIP member, have the privilege to schedule a VIP only Office Hour to ask their questions (Disclosure: We are stock market research coaches. The Office Hour is not an investment advice and we are not investment advisers.)
Episode nine of our Weekly Master the Basics of Stock Market Research webinar is out. In this episode, we answered a question submitted by one of our newest members, Michael (He didn't give us his last name). He asked, "How to get the most out of Stock Card?" Thank you, Michael, for submitting this great question! If you are new to Stock Card, if you have been wondering how to best use Stock Card to research the stock market mistake-free, this episode is for you. Don't forget to join us next week for another live and informative "Master the basics of stock market research" webinar. Register here: Register here: https://blog.stockcard.io/webinar.html Folks, how often do you review your entire portfolio? How regularly do you clean up your watchlist? For me, it happens at least twice per year. Do you remember the 2018 Castaways portfolio from last December? We went through the Stock Card's universe and got rid of the companies that were not worthy of our time and attention any more. As we enter July, it is time to step back again and get a sense of how things are going. The goal is to make sure that the stocks we own are still worth holding, and the stock in our watchlists are still worth our attention. During July, as I go through my semi-annual clean-up, you will hear a lot form me and my Roll with Our CEO portfolio.  Here is the 4-part checklist I will be following to complete my July's clean-up:
The winners:
Are you ready to do the same for your own portfolio?
New Feature: Have you seen the new "Sentiment" gauge on Stock Cards? We've been asking ourselves how do we make sure Stock Card users do not panic when stock prices jump off the cliff or take off rapidly? How do we make sure Stock Card users stay calm and in charge of their decisions without overreacting to the market's fluctuations? Watch this short, 10-min video to learn about how the new feature on Stock Cards can do just that! Stock Card's portfolios update: Get F.I.R.E.D. Up! portfolio had a great first month, and it is already outperforming the overall market. Have you visited and followed it? Eric, Get F.I.R.E.D. Up's portfolio publisher is on a journey to retire in his mid-40s, and you can follow him along.  Stock Card's Mentoriship Program: Have you ever wanted to validate your thoughts and ideas with a fellow investor you trust in a private and 1-on-1 chat? Or, just wanted to ask a question, since you don't have time to do research? Have a look at our latest mentorship program.  Want to change how you receive these emails? Update your email notifications
Login > Click on the brain icon on top-right corner > Go to the Email Notification tab Episode eight of our Weekly Master the Basics of Stock Market Research webinar is out. In this episode, we researched a new stock pick for Stock Card's 2019 Starter Portfolio's June 2019. The Starter Portfolio shows up once a month, and it is created for first-time investors to pick one new stock each month. The goal is that by the end of the year, you have a portfolio of 12 stocks as the foundation of your stock market journey.
And, don't forget to join us next week for another live and informative "Master the basics of stock market research" webinar. Episode six of our Weekly Master the Basics of Stock Market Research webinar is out. This is a special episode because we recorded it in the middle of the week to answer the question of our latest users. The question is so important that our CEO decided to create a short, 10-min video to answer it: How to use Stock Card's color coding to research a stock? Don't forget to join us next week for another live and informative "Master the basics of stock market research" webinar.
Episode five of our Weekly Master the Basics of Stock Market Research webinar is out. In this episode, our CEO answered two questions that were submitted by webinar attendees:
Don't forget to join us next week for another live and informative "Master the basics of stock market research" webinar. Register here:
Read that with a sound of evil genius laugh echoing the room ... Past few weeks were all about Mexico - U.S. trade war. As an economist, I may argue against tariffs. But, as an investor, I embrace them. These days the market is very volatile. It can be scary. But, there is a better way to deal with the market frenzy. Wait patiently and fill up your time by learning about the trends that are shaping the future. Maybe watch Eric Cuka (publisher of Get F.I.R.E.D. Up! portfolio) and stay away from the day-to-day craziness of the stock market. And, when the news of trade wars pops up, you'll know that it can only mean one thing; opportunity! Here is a typical cycle:  - Stocks hit all-time highs
- Politicians get into trade war discussions - Media and social media go frenzy - Investors panic - Stock prices drop to undervalued ranges - You pick up a few stocks of well-managed companies that are caught in the news - Stocks go back up - You hold on to your shares (cause they are well-operated companies), or even sell a bit of it to have cash on the side for another inevitable cycle It's simple, but not easy! Today's Stock Card V.I.P. pick is a new addition to the Get F.I.R.E.D. Up! portfolio brought to you courtesy of the stock market's fear cycle! Retiring early is an elusive goal! Everyone wants it, but a limited number of people are willing to do the work required to get there. But, not Eric Cuka! Eric, as you might have heard in one of latest episodes of Renegade Investors podcast, is on the mission to retire in his mid-40s, gain the freedom to do what he likes to do and maybe do a little bit of globetrotting with his wife. He plans to do all that using his Get F.I.R.E.D. Up investment approach. And, that's the portfolio we are launching today for Stock Card VIP members.  There is no magic formula behind gaining your financial freedom and not having to work for money. There are three steps:
It's a mix of aggressive growth investing to start with and a gradual transition to dividend growth investing. How does it work exactly? Scroll down to learn more ...  Part One:
You'd need to invest in stocks with aggressive growing power to increase your net worth as fast as possible. Whatever you can save every month, can be boosted significantly by careful but aggressive growth investments. Eric will include some of such companies in his Get F.I.R.E.D. Up portfolio. In the Portfolio Planning sheet that all Stock Card's portfolio publishers fill out, Eric wrote: "Generally, I follow long term cycles for growth, such as cloud technology, autonomous driving, etc.". And, from my conversions with him in the past few days, he has picked up quite a few aggressive growth stocks in his Get F.I.R.E.D. Up portfolio to take the most advantage from the recent stock market downward trend. When everyone panic that the share prices are falling, savvy investors like Eric who have a plan, invest more aggressively. Part Two: Gradually, as you grow your money using such aggressive investments, you have to transition them to the safety of dividend-paying stocks. Eric also included some of such dividend-paying stocks in his Get F.I.R.E.D. Up portfolio. Those dividend-paying stocks are not just any random dividend-paying companies. As Eric puts it in his Portfolio Publisher planning sheet: "Generally, I prefer a dividend payout ratio of less than 50%, constant dividend growth of 5 or more years, dividend yield of 3% or less, and, of course, a quality company with a high probability of future success." Make sure you have clicked on the bell icon on the top-right corner of the portfolio to get notified when Eric adds a new stock. You can always sort the stocks included in each portfolio by the Decision Date column and discover the latest additions. Without further ado, today's Stock Card VIP picks are 11 companies that mark the launch of Get F.I.R.E.D. Up portfolio! Get "fired up" now!
This week's "Master the basics of stock market investing" webinar was all about how to do stock market research, using Stock Card tool. We answered the question submitted by Alessandro B. (Thank you!) and researched Tesla (Ticker: TSLA), Mastercard (Ticker: MA), and Fiserv (Ticker: FISV) as examples of doing mistake-free investment decisions.
Sign up for the future webinars to master the basics of stock market research, every Friday at 11:00 am Pacific:
We have arrived on the last day of the cannabis month. And what a month it was! This is an industry with tremendous potential mixed in with extreme emotions and volatility. I know the portfolio hasn't been moving upward yet, but looking at the stocks that Mark - The Green Fund's portfolio publisher - has picked up, I'm very confident we have got a basket of stocks that are worth paying attention to. Today, to celebrate the end of our month-long deep-dive into the cannabis stocks, I'd like to share a long-form blog post to explain how we evaluated and picked the stocks that are included in The Green Fund portfolio. If you have a few moments to think through some fascinating ways of evaluating pot stocks, keep on reading. Later today, May 29th @ 3:00 PM Pacific, Mark and I will host a virtual get-together to discuss this approach among other cannabis-related topics. Join us for that live event by reserving your seat.  How to deal with the overvaluation? The cannabis stocks are some of the most overvalued companies you might have ever invested in. That's why you can see periods of extreme price fluctuations. For a few months, the stocks are running up. Doubling and tripling of the prices are not unheard of. Such glorious run-ups are most certainly followed by a period of a downward trend. Losing 10%, 20%, or even higher percentage of stock valuations is very likely in such times. Therefore, the number one thing you need to be comfortable with is that you are investing in mathematically overvalued companies. You'd need to be emotionally ready to tolerate the ups and downs. You'd also need to be logically comfortable with investing in overvalued stocks. How? Think about it this way: Investing in overvalued companies is what most private market investors do, day in, day out. Large, institutional investors such as Fidelity or Softbank pour in money into overvalued startups every day (e.g., any recent tech IPOs that comes to your mind) When it comes to cannabis stocks, we are not talking about private market investing, but the nature of cannabis stocks is not too far from the private market and startup investing. Both are similarly overvalued! Period! The advantage the private market investors have over us, the cannabis investors, is that they don't have the stock market reminding them of the value of the startups they are investing in. We, unfortunately, have to deal with the daily fluctuations of the stock market. The best of us understand that and move away from paying attention to the day-to-day volatility. Mark and I spoke about this in part 1 of our 2-part podcast episode. Okay, I got that! But, how do I know which pot stocks to invest in? Once we put the valuations aside, what's left is the operational strength of the companies we are evaluating. You certainly would want to avoid investing in operationally shaky companies that are also overvalued. And, can you explain what do you mean by operational strength? Companies with a high amount of debt, unproven management, lack of competitive advantage to protect their turf, or those who do not have cash readily available to fund their operations are the no-no choices in a basket of cannabis stocks. That's why, in the past five weeks, every time we spoke about a new investment pick for The Green Fund, we myopically focused on the operational strength of the companies. That's why neither Mark nor I am worried about The Green Fund's under-performance so far. We are talking about startup-like investing here, and that comes with the territory. I have to say, I hate to see that the portfolio is not up, but I'm not worried, as explained above! Knowing all that, where are the investment opportunities in the pot industry? The next step is to see where in the see of cannabis-related stocks, we would need to focus on. Mark and I talked about it in part 2 of our podcast conversion. Broadly speaking, there are two types of market opportunities in the cannabis industry: Pure-play cannabis and Adjacent markets. Pure-play cannabis opportunity refers to the part of the cannabis industry that is purely focused on the cultivation, extraction, and retail and distribution of cannabis products for medicinal and recreational purposes. Some of the big names are Tilray or MedMen. While good investors try to focus on pure-play companies with strong operations, better investors also pay attention to the opportunities in the adjacent market. That's where the long-term gems reside. Companies that are working on developing pharmaceutical intellectual property or companies that are using cannabis as a new ingredient to bring a new category of products into the market are the most exciting investment opportunities in the cannabis sector. Can you give me some examples? Let's review and map two stocks that I personally have on my radar: The diagram below should explain it better:  I hope this visualization and explanation help you create a reliable approach to evaluating cannabis stocks or other stocks that are in the mathematical overvalued price range.
As mentioned earlier, later today, May 29th @ 3:00 PM Pacific, Mark and I will host a virtual get-together to discuss this approach among other cannabis-related topics. Join us for that live event by reserving your seat. To see the above framework in action, consider subscribing to Stock Card VIP, and access The Green Fund. This week's "Master the basics of stock market investing" webinar was all about coffee. Starbucks (Ticker: SBUX) vs. Luckin Coffee (Ticker: LK), who wins the battle in your portfolio? Watch the webinar's recording to figure out which one the battle on Friday! And, while you are at it, make sure to signup for the next upcoming webinar too! Many people dream of such a promised land. You might have heard of the F.I.R.E. movement. The standard F.I.R.E. methodology typically assumes a person is saving as much as possible and living frugally (a bare-bones kind of frugality), then retiring extremely young. If you want to retire at 30, this is necessary... but... why not live your life a bit less frugally and still retire young, but maybe at 40 instead of 30? This is a very attainable goal for almost anyone, especially if you're able to start saving young. As we are wrapping up The Green Fund month, we are also getting ready for the investment theme for June. And, June is all about getting F.I.R.E.D. Up! The new portfolio coming to Stock Card's Portfolio Store is run by Eric Cuka, a successful sales executive and a long-time investor, who has been a member of our private Facebook Group forever. Eric has designed the F.I.R.E.D. Up! portfolio for people looking for a strategy to retire in their 40s comfortably. Follow F.I.R.E.D. Up portfolio, and get into the groove of getting F.I.R.E.D. up!  My new favorite investing approach is beaten-down investing! You might have noticed that if you are following our Beaten Down portfolio. Every day, I look at the stock market universe and rank the companies based on how much they've lost. If it is double-digit price-fall, the day gets exciting... Is the stock price down double-digit in the past month? Is the company well-managed? Why the price fell so much? Can I see a reasonable path for the company to recover? If the answer is yes, I'm very likely to jump in. Lately, the pot stocks are showing up a lot in my daily beaten-down screening. Mark - The Green Fund's portfolio publisher - is in complete agreement with me. Beaten down investing is one of the best ways to pick up the stocks you have been watching for a while. He also wrote about why it's the best time to invest in pot stocks, despite the recent price falls. You can read Mark's post in this fascinating and informative blog post: "Duck Donald and Buy The Dip". We are also planning another live webinar to answer your pot stock investing questions on the last day of The Green Fund month. Reserve your seat and submit your questions for this free live webinar. Without further ado, let's get to the main business. Today's Stock Card VIP pick is yet again a new addition to The Green Fund portfolio to tap your feet into the federally legalized side of the cannabis industry in the U.S.  Most investors, especially new investors, look for a free and reliable source for new and interesting investment ideas. This is how Stock Card can help such investors! P.S. Turn up the volume. There is a voice over! The past few days haven't been fun for stock market investors! I bet many of your recent investments have entered the red zone. I don't think what we have experienced in the past few days is a market crisis. After all, the overall stock market was down just a few percentages (Nasdaq is down 2.9% and the S&P 500 is down 1.7% in the last five days). That's not a crisis by any definition, but the vibe in the media is crisis-like. Be it for getting you to click on those articles or hooking you to watch their YouTube channels, the media likes to spread fear. You've heard sex sells? Well, fear sells better! But, we, the Stock Card community, know better! I have to admit, seeing that red, downward arrow in front of my favorite tickers and companies is painful! Losing money is never not painful! But, we, the Stock Card community, know better! Why do we know better? Because of what we have accomplished together through our Beaten Down portfolio. Remember December 2018 and early January 2019? Do you remember how the vibe was of nothing short of 'the end is near'? Well, we tamed the emotions, looked into our existing portfolios and watchlists and in the course of just a few weeks, we created a portfolio of 8 to 10 companies that were beaten down for no reason other than the doom and gloom stories of the day. If you've invested alongside us, even with the price falls of the past few days, that portfolio is up 15%, upping the market by 2 times. Nothing explains what we have achieved better than this quote from Shelby M.C. Davis: History provides a crucial insight regarding market crises: they are inevitable, painful and ultimately surmountable. Now, my fellow investors, I'm interrupting The Green Fund's weekly VIP pick for the month of May, to remind you of the fact that all bad days of the stock market are inevitable, painful and surmountable. That means once again we are refreshing the Beaten Down portfolio with three fresh VIP picks to take advantage of the market fears now!  Last week we launched The Green Fund. And, the market has decided to test our intelligent ways of investing! Most of our picks in the portfolio are a bit down due to a variety of reasons, none indicating any changes in the future market potential. Mark - The Green Fund's portfolio publisher - and I have been discussing this topic for a while now. The fluctuation of the stock prices in the cannabis sector is given and investors who are picking up shares alongside The Green Fund should be ready for even larger ups and downs. But, when the stock prices are down, we can't help ourselves but get excited. It's great when the prices are down because we get to nibble a bit more at a lower price. Who doesn't like to pay less for something he or she wants to have and hold it for a long time? Today's Stock Card VIP pick is an embodiment of what cannabis investing is all about: massive growth opportunity and large stock price swings!  Ask your cannabis investing questions to Mark - The Green Fund portfolio publisher Join me for a free, live Q&A session with Mark Bernberg - publisher of The Green Fund portfolio on Stock Card's portfolio store, founder of a cannabis-focused company by the same name, and a successful technology entrepreneur and investor. This is a chance for you to get answers to all your cannabis-investing questions and decide whether investing in pot stocks is for you. Submit your questions, and reserve your seat:  Wayne Gretzky famously said that one should not skate to where the puck is, but rather to where the puck is going to be. The cannabis industry is where the puck is going to be. Today we are launching Stock Card's The Green Fund. It's a portfolio managed by Mark Bernberg, a successful technology entrepreneur and the founder of TheGreenFund.com and an avid stock market investor who shares the vision of investing in well-managed companies in growing industries. You can get to know Mark and learn his insightful thoughts and ideas related to the states of valuations, regulations and fluctuations in our latest episode of Renegade Investors podcast. Why cannabis sector? Isn't it just a commodity, agricultural product, a hyped-up group of companies that make no money? Au contraire mon amis ... These days, anyone who touches the cannabis industry is applauded by the investors. Take Shopify (Ticker: SHOP). This Canadian company has been at the forefront of cannabis eCommerce and the investors have praised the company with gold. The stock price has been up significantly in the past few months as the result of the green rush. But, when it comes to The Green Fund, we are going beyond the rush!  We have been working with Mark - The Green Fund's portfolio publisher - to pick up six companies for this portfolio, to start with. We've researched several cannabis companies, and despite the outstanding growth each of these companies has had in the past few months and quarters, they are still poised to grow further from where they are standing today. Over the next four weeks, we will add one new stock to the portfolio, and once the month is over, we will add new companies to the portfolio as and when Mark discovers them. Usually, we introduce just a few stocks per theme. But, because the cannabis stocks are volatile, investing in only one stock may not be such a good idea unless you are sure that emotionally you can tolerate the volatility. Mark decided to give you a few well-managed companies so that you can spread your investment in the sector. The good news is that with the launch of The Green Fund, we are also introducing a new "Portfolio Follow" feature. Just like how you used to follow individual Stock Card,s you can now follow any portfolio, and you will get notified by email when new companies are added or removed from each of the Stock Card's portfolios on the Portfolio Store. The video below shows you how:  We have arrived in the last week of the Emerging India investment theme. Since the launch of this theme, we've talked about three ways to participate in the rapidly growing Indian economy and the stock market:
But first, let us share a few updates:
Moving onto today's VIP pick, it is a world leader from India that helps several clients from all around the world to discover, analyze, improve, and automate business processes.
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Disclaimer: StockCard.io is not, neither operated by a broker, a dealer, or a registered investment adviser. Under no circumstances does any information posted on StockCard.io and Stock Card Weekly represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute, investment advice or recommendations. The Stock Card team may buy and sell securities before and after any particular article and report and information herein is published, with respect to the securities discussed in any article and report posted herein. In no event shall StockCard.io be liable to any subscriber, visitor, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on StockCard.io, or relating to the use of, or inability to use, StockCard.io or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute, investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way.
Disclaimer: StockCard.io is not, neither operated by a broker, a dealer, or a registered investment adviser. Under no circumstances does any information posted on StockCard.io and Stock Card Weekly represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute, investment advice or recommendations. The Stock Card team may buy and sell securities before and after any particular article and report and information herein is published, with respect to the securities discussed in any article and report posted herein. In no event shall StockCard.io be liable to any subscriber, visitor, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on StockCard.io, or relating to the use of, or inability to use, StockCard.io or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute, investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way.