News and Announcements

U.S. Citizens Living in Canada: Know Your Key U.S. Tax Forms and Responsibilities

Posted by Cathi Tinsly, Monday, October 15th, 2018 @ 12:09am

  • Over the years, many articles have been written reminding U.S. citizens living in Canada to file a U.S. 1040 tax return annually, in addition to the FinCEN Report 114, Report of Foreign Bank and Financial Accounts (FBAR). While the U.S. 1040 and FBAR are key documents most U.S. expats must complete, there are other U.S. tax filings that unfortunately and all too often, are missed or not filed properly.

    Many of these missed tax filings relate to U.S. citizens living in Canada who own an interest in Canadian companies or unlimited liability corporations, Canadian partnerships, Canadian trusts, RESPs and TFSAs, or even owners of Canadian-traded mutual funds or exchange-traded funds (ETFs) held in a non-retirement account.

    Here are seven key forms, often missed by U.S. tax filers living in Canada, that you should be aware of:

    Form 8858: Information return of U.S. persons with respect to foreign disregarded entities

    A U.S. person who directly, indirectly or constructively owns a foreign disregarded entity (FDE) must file this form. An FDE is an entity that is not created or organized in the United States and that is disregarded as an entity separate from its owner for U.S. tax purposes. For example, a single member unlimited liability company in Canada that is owned by a U.S. person would trigger filing this form.

    Form 8865: Return of U.S. persons with respect to certain foreign partnerships

    This form must be filed by a U.S. person who owned more than a 50% interest in a foreign partnership during the year or owned at least a 10% interest if the partnership was controlled by U.S. persons owning a 10% or greater interest. A U.S. person also has a filing requirement if he or she contributed property in exchange for a partnership interest if that person directly, indirectly or constructively owns at least a 10% interest, or the value of the property contributed exceeds $100,000.

    Form 5471: Information return of U.S. persons with respect to certain foreign corporations

    This form is filed by any U.S. person who is more than a 10% direct or indirect shareholder in a foreign corporation. It is also required for any U.S. shareholder in a controlled foreign corporation (CFC), which broadly speaking is a foreign corporation, more than 50% of which is owned by U.S. persons. A U.S. citizen or resident who is an officer or director of a foreign corporation may also have a filing requirement if he or she acquired stock in a foreign corporation. For example, if you or your business owns a corporation in Canada, then you will want to file this form; the penalty for not filing can be as high as $50,000.

    Form 926: Filing requirement for U.S. transferors of property to a foreign corporation

    Any U.S. person who transfers property to a foreign corporation and owns more than 10% of the stock, or any amount of stock if cash transferred is more than $100,000, must file this form with his or her U.S. tax return. This form would apply if, for example, a U.S. person were to contribute cash in exchange for stock to form a wholly owned foreign corporation.

    Form 3520-A/3520: Annual information return of foreign trust with a U.S. owner


    A foreign trust with a U.S. owner, which can sometimes include foreign pension plans, Registered Education Savings Plans (RESPs) and, depending on how you might interpret the IRS Regulations, Tax-Free Savings Accounts (TFSAs), must file this form independently with the IRS by March 15 following the year to which it relates. Additionally, if a distribution or other payment is received from the trust, Form 3520 may be required (and should be filed with the taxpayer’s tax return). Failure to file these forms subjects the U.S. owner to an initial penalty equal to the greater of $10,000 or 5% of the gross value of the trust assets considered owned by the U.S. person at the close of the tax year.

    Form 8621: Information return by a shareholder of a passive foreign investment company or qualified electing fund

    This form is for reporting any interest in an overseas “passive” corporation (50% or more of its assets produce passive income or 75% of its income is passive). This type of investment comes with other issues, such as whether to make a mark-to-market or qualified electing fund election, and subsequently how income and gains are taxed. As we discussed in a previous article, even owning shares in a Canadian mutual fund or ETF could trigger filing this form.

    Form 8938: Statement of foreign financial assets


    A U.S. person must file Form 8938 if he or she has an interest in specified foreign financial assets and the value of those assets is more than the applicable reporting threshold. Some assets are not required to be separately listed if they have already been reported on one of the forms listed previously, such as the 8891, 3520 or 5471. Starting with 2013, U.S. entities will be required to file this form as well as individuals.

    As a U.S. tax filer, it is very important that you fully disclose all of your worldwide financial interests to your U.S. tax preparer, so that they have a complete understanding of your financial affairs and can properly address all of your U.S. tax filing obligations. Failure to file the above mentioned U.S. tax forms can lead to substantial non-compliance penalties. Furthermore, make sure you always work with a qualified preparer such as a U.S. Certified Public Accountant (CPA) or an Enrolled Agent with the IRS who has a complete understanding of Canadian and U.S. tax laws and has experience servicing U.S. citizens living in Canada. At Cardinal Point, we specialize in assisting U.S. citizens living in Canada with their complex cross-border tax filings and financial planning challenges.

Brabham Makes a Triumphant Return with BT62

Posted by Cathi Tinsly, Sunday, August 5th, 2018 @ 6:46am








  • Brabham Automotive has made a triumphant return in the world of car manufacturing. Heralding its return is the BT62 which, according to David Brabham, is being banked on the remarkable racing pedigree that the family name has established for the last 70 years. The new product continues the legendary naming tradition that the brand has been known for. The BT name has been first put to use by the brand’s founding figures Jack Brabham and Ron Tauranac back in the 1960s. It also bears the honours and the legacy not only of the marquee’s most memorable and greatest cars.

    Brabham aims for the BT62 to herald the start of the brand’s new and exciting chapter. The iconic marquee has been designed, developed, and even tested to specifically reward the driver like no other. It is very much a vehicle aimed to truly reward the worthy driver. The BT62 has been designed from the ground up. It features a wide array of some unique details of engineering. The vehicle heavily draws on the vast experience of its project team where the goal is the creation of a car that is going to be without equal. Carbon fibre is used to craft the vehicle, lending to its lightweight makeup. There is a notable combination of aggressive aerodynamic and exterior surface which lends to strike an ideal balance between form and function.

    This is a car that is aimed at people that would appreciate a good challenge behind the wheel. This is one delightful experience for drivers that want to test their limitations and want a driving experience in its purest sense. The BT62 is offered at a base price of £1 million excluding local taxes. Additional figures may need to be paid if a buyer would prefer more options. The car’s production will only be limited to 70 cars- a number so aptly chosen to recognise the 70-year heritage of the legendary Brabham name. The first half of the 70 will be aimed to celebrate the 35 victories in the Grand Prix that Brabham has won of the 30-year reign that it has enjoyed in the world of F1. In addition, Brabham has also put in place a long-term plan along with a development programme with a phased product. Ultimately, the company aims to see its iconic name make a complete return to the race track. Stay up-to-date with the latest developments in the F1 world by reading about Brabham automotive online.

Top Benefits to Run Twitter Polls Online

Posted by Cathi Tinsly, Sunday, August 5th, 2018 @ 6:30am

  • If you are a regular Twitter user, you must have gone through polls time to time on this platform. They are updated by several marketing professionals to attract audience towards business. It helps them to make people aware of new products and services. Moreover, polls are capable enough to generate real-time traffic for various platforms. That is why professionals always keep on searching for best poll questions that can help them to get twitter poll votes in bulk amount.

    Many big brands are using polls for their marketing campaigns; however, many are still eager to know the real benefits of twitter polls. If you are also searching for the same, it is good to go through the details below:

    • Find new followers:

    Polls help to build connections online, and with time this process can boost your followers count on Twitter. Experts advise using hashtags with polls to connect the questions and answers to the public. Some growing business owners even prefer to buy twitter votes to divert more traffic to their poll page. It helps them to maintain a healthy connection with the audience online.

    • Insights from the audience:

    This is one of the most obvious and highly beneficial things to know about twitter polls. When you ask relevant questions from your audience, it can help you to collect valuable feedback from the audience. This is the simplest trick to get twitter votes in favor of your business and let people express what they feel about your brand. These feedbacks from the community can be further utilized to boost the quality of products and services to ensure 100% satisfaction.

    • Bring traffic to your blog:

    Many marketing professionals prefer to add a link for a blog with their poll questions. Whenever you post an interesting blog post, add a relevant question to your twitter polls and attract your audience to read more. When people find the topic interesting, they will definitely click on the blog link and spend some time to read. It is the simplest trick to bring more visitors to your blog or website and can boost your ranking on a search engine as well. Some business owners even prefer to use professional services to buy twitter votes fast.

    • Formal way to survey:

    You might be aware of the fact that people don’t like to fill lengthy survey forms or in simple words, they don’t have much time to do so. In such situations, polls provide an effective way to collect feedback from the audience. These direct questions take a few seconds of people to share their opinion, and they even feel happy to do so. It makes them feel connected to the business, and on the other side, business owners can collect valuable data from the market.

    With all such benefits, Twitter polls are indeed the most awesome thing to incorporate into your marketing campaigns. It is the right time to pick some relevant questions by focusing on your niche and interests of your audience. Update polls online and then contact professionals to buy twitter poll votes.


Revolutionary Dyeing Machine

Posted by Cathi Tinsly, Monday, July 23rd, 2018 @ 12:24am

  • All the dyeing machines work with the fabric totally or partially submerged. But the Italian company Flainox has developed a revolutionary machine for the dyeing of fabrics, in which the fabric is always dyed above the dye bath, thus considerably reducing the dying times and obtaining savings.

    The fabric advances thanks to a mechanical transport system placed inside the autoclave, which operates independently of the coloring bath. It consists of a bar work element (patented), and which operates with a rotating aeration that raises and then deposits the material so that it advances with each turn.

    The system also exerts a squeezing effect on the fabric and which allows to

    obtain a bath / natural fiber exchange effect (sponge effect), thanks to the help of

    special sprinklers placed along the path.

    Thanks to the special transport system used, together with the integrated cooling-rinsing system, the washing cycles are always highly efficient, and it also reduces the consumption of water and time by a tenth compared to standard machines. It should also be added that the machine has a coupling possibility of up to 4 machines and a nominal load capacity of standard two-channel machines. Flainox also manufactures machines with intermediate capacities.

    The dyeing laboratory equipment laboratory, infrared dyeing machine application of this type of oil bath infrared lab dyeing machine, combine the Advantages of traditional glycerol tincture machine with common infrared dyeing machine together. It is applicable for dyeing and testing the colorfastness of knitting, knitting, yarn, cotton, loose fibers, zipper etc. It was a special design for dyeing industry, chemical industry, raw materials, a cloth that can simulate the production conditions exactly and reach the characteristics easy to use, a dye pot can be individually removed from the turn plate to save waiting time.

    The ability to perform tests of various dyes and chemicals in the dispersion, leveling, exhaustion of the liquor ratio, etc. The special recommendation for "step" dying to select the best dye and combinations for the most suitable dye curve to achieve maximum efficiency and quality.

    Different sizes of dye pots of various weights of the samples with yarn or tissue holders to ensure good leveling result. There will be no wrinkle mark

    .

    Suitable for the low proportion of liquor dyed. A weight of the sample from 4g to 20g.

    Special design for humanity, durability and easy maintenance.

    Safe, high efficiency, the environment, energy saving, optimal for the new small dye sample machines.

    Why choose us?

    1. Taking into account the different countries of preheating, manually change the voltage from 110V to 220V, the insurance indicator.

    2. An excellent Aftersale service:

    16 months warranty. In addition, you can help us to fix the controller problem freely, even if it is not from our factory. What you need to do is send us the driver.

    3. Commitment:

    we will sign a letter of commitment, while we sign the contract, which will improve your confidence for us.

    4. Good Packaging:

    Simulation Custom animatronic Triceratops covered with the firm of air bubbles before putting them in the wooden box, which not only has good shock absorption, heat sealing of impact resistance, and also has the advantage of non-toxic, odorless, moisture to corrosion, good transparency, etc.

Best Free Chatroom

Posted by Cathi Tinsly, Monday, April 16th, 2018 @ 8:14pm


  • Talkwithstranger It is a free Chat system without registration. It has several chat rooms organized by country or important cities, also by age and theme. The main objective of this site is to allow people from different parts of the world to chat easily, meet people, make friends, exchange experiences and have a good time. Choose your room and start chatting!

    One of the best tools available to a computer or mobile users, especially the youngest ones, when nothing is funny anymore and boredom appears, is without a doubt the chat. Through this particular and very popular chat system, we will be in a position to contact other people with whom we can start a conversation, directly and quickly, and also free, which can allow us, if we want, to be hours in front of the screen knowing interesting people.

    For this, we have available a wide variety of chat systems, but without a doubt, the most popular and used by users around the world are the chat rooms that are provided through the web, ie the so-called chat pages. In this post, we will find the best pages to chat for free Internet, commented so you know what you can find when you enter them.

    From here, we will know the best chat sites we can find on the Internet and also includes some chat rooms in other languages. It should be noted that all of them are free and very safe.

    It also has free chat rooms that represent multiple interests such as love, friendship, relationships, travel and others. Highly recommended for its simplicity of use. If you wish you can access Talkwithstranger for free chatroom by clicking on this link.

    This chat page offered by the free chatroom is one of the most popular among users of this type of service due to its simplicity and the large number of rooms that can be found here.

    These chat rooms are divided into categories, which allows us to find what we are interested in with just a glance. If you wish you can access the Terra chats by clicking on this link.

TWO MOST BEAUTIFUL PLACES YOU NEED TO VISIT THIS VACATION

Posted by Cathi Tinsly, Sunday, April 8th, 2018 @ 10:24am

  • Life is short, and the world is wide! A first step in planning a trip is to figure out where to go. To prevent you from spending half of your vacation in deciding where to Spend it; I have bumped out three most beautiful places to visit while planning my vacations. So let’s go, read one by one and explore why these places are worth visiting for.


    FINLAND



    Finland, the heaven on earth is located on the continent of Europe. This enticing beauty shares its border with Germany, Sweden, and Norway. Starting from the architectural history at the Architecture Museum in Helsinki visitors can also see the art from hundreds of years at gothic revival, art-nouveau, and minimalism, Besides art, architectural and literature values the captivating natural beauty is enough alone to stun the visitors. Like Lake Saimaa, is trendy among the tourist and visitors; as it is the country largest lake and fourth largest in Europe. You can spend your evenings while picking berries, and do fishing with your family, canoeing in your crystal clear kayaks while discovering the underwater world or just by enjoying the sunset. Or if you are looking for an amazing places where you can spend all day doing things like Skiing, Hiking, camping and fishing you must pay a visit to Nuuksio National Park it’s near Helsinki’s metropolitan area and tourist can easily reach its beauty using public transport. The park has everything to turn your vacations into dream. You can rejoice the fresh air and wilderness from nature trails, birch forest, and swamps. Other similar places in Finland are Koli National Park, Suomenlinna, a mountain with beautiful scenery Halti, Finland’s third largest park Pallas-Yllastunturi National park and many other dazzling places, so pack a back, charter a guide in discount through PennySaviour and discover all the red velvet ropes of Finland.

    Spain



    Spain, the name of fascinating history, is located in Southwestern Europe. Its camouflaged buildings and ancient museums are telling the stories of its Moorish history themselves. Spain is the ideal destination to enjoy summers because it has some of the world most beautiful beaches for watersports, families, and relaxation. I personally think the best of them are Illas Cies, Ria de Vigo, and Galicia locals call it ‘Galician Caribbean,’ these are best for sunbathing, pulsing with people or unwind along isolated swaths of silky sand. The visitors can reach the cies by ferry; as enjoying a ferry ride is pleasure itself.

    The idyllic islands are complimenting the beauty of Spain very well. Canary islands and Balearic islands. I personally want to visit Canary Islands as the climate over there is pleasant throughout the year. Along with a range of volcanic peaks, craggy gorges, and windswept dunes, people enjoy outdoor activities. Watersports like scuba diving and windsurfing are common on the Canary Island.You can also touch the peak of Spain from the center of canaries on reaching Spain’s tallest mountain Pico del Teide through cable car or hiking. So without Finland and Spain, your list many beautiful countries, cultures, and people to see in this ever-changing world is not complete.

Suzuki UK Invests in a New Digital Strategy

Posted by Cathi Tinsly, Tuesday, March 27th, 2018 @ 11:46am

  • Being able to adapt organically is necessary for survival and success.  This is true in nature, education, business, sports, and digital conversion.  This is why Suzuki is making strides to become the first mainstream automotive brand, in the UK, to have a fully responsive and adaptive online presence.  This will be a convenient addition for the company, as customers will be able to research, browse, and eventually buy a product on their Smartphone’s or portable tablets.

    Dale Wyatt, Suzuki GB’s sales and marketing director, believes this new mindset will help Suzuki become digital champions. Wyatt explained, “We’re investing a lot of money to make sure we’ve got a responsive website, which we don’t believe anyone in automotive yet has”. The new responsive website design will go live sometime in September.

    Even though the digital strategy is in full swing, Wyatt said there is a challenge for the dealers—personalizing the online process. “One of the problems of digital is that it creates a lot of activity and it’s really difficult to respond to every click in a bespoke way. Bigger brands respond through automation and I see an opportunity to take that and personalize it to make the customer feel looked after,” Wyatt commented.

    "This challenge will be met by creating an automated response to customer emails," said a spokesperson for a Minneapolis search engine optimization company. "The follow-up email will be sent within an hour.  Wyatt believes this strategy will benefit Suzuki, and their customers, as he feels customers should decide when to exit the digital world and enter the physical one.  This thought shows that digital content should not drive the customer away, unless they choose to organically.  This idea has worked for Suzuki dealers’ email capture rates, which have grown from 4% to 70% over a three-year span."

    Digital is Suzuki’s biggest lead provider, and they are seeing online conversion rates grow rapidly. Therefore, Suzuki will continue to grow digitally and plan to wipe out their competitors with their new online strategy.

Web and mobile development company

Posted by Cathi Tinsly, Friday, March 23rd, 2018 @ 10:10am

  • The mobile web design strategy is known as " mobile first " consists of designing the web first for mobile phones, starting from the basics with basic resolutions and then restructuring it and optimizing it for devices with higher resolutions.




    Do you want a web design with a "mobile

    To adjust the design of your company's mobile website or a promotional microsite, it is better to have the help of the specialized technicians of Goigi who can help your company from the design to the start-up of a mobile website of any kind.

    Improvements that are achieved with an adaptive "mobile first" web design:



    • First, the graphic designer is forced to rank the contents of the Web according to their importance and location, obtaining a global conception of the entire web from the beginning.
    • This design strategy is designed for the present and for the future. It is designed according to the content and parameters are established to obtain the best possible user experience, menus, images, sidebars, etc.
    • With a single version of the Web all screen resolutions are covered, regardless of the type of device, whether smartphone, tablet, PC, car navigator and have iOS operating system (iPhone / iPod), Android, Windows Phone, Firefox OS, or any other, with an adaptable web design prepared for the future, your website will be displayed correctly and with better quality.
    • The costs are reduced enough by not requiring different versions for different devices.
    • With this type of designs, the usability is infinitely greater and, consequently, the volume of web page display increases remarkably.
    • This work philosophy is even more interesting when combined with "Responsive Web Design" to give rise to the best possible web design and web development practices for companies.

    Goigi is in charge of the mobile web design and the development of the mobile web for companies, are you interested? Some of the parameters that must be taken into account are:

    • Defining the objectives of the mobile campaign: if universality is sought,  SMS marketing is the best solution, but if dynamic or multimedia contents are going to be handled, the flat rates of navigation on the mobile are widespread along with smartphones and tablets, so the mobile web is the answer.
    • Limit the content to exclusively relevant for mobile users.
    • Limit the number of depth levels of the web page.
    • Offer  direct links  to the most important content by topic and popularity
    • Adapt  the contents to the size and capacities of the terminals: images, colors, resolution, and sizes
    • Control the size and download speed of the page. If the page takes a long time to download, it is likely that users leave the navigation before reaching the content they were looking for.

    The " mobile first " design strategy has established itself as the present and future work methodology for web design. Internet access through mobile devices already exceeds PC access and, consequently, the development and design of the mobile web must be a priority.

    Summary of steps to take in the  mobile Web strategy :


    The mobile marketing strategy must include a mobile web first. Having a  mobile first design, an adaptive web design or with responsive design is essential for any Web.

    The mobile web the landing page  (entry page) are very appropriate for marketing campaigns associated with  QR codes, proximity marketing, promotions and raffles via SMS or SMS marketing.

    In addition, companies must have a  mobile website adapted to the conditions of mobile terminals, not being a replica of the corporate website.

    Are you looking for best web & mobile development company? Is your company anywhere else and are you looking for a web design companies or web maintenance companies? Goigi specializes in web design for companies and web design for marketing agencies.

    You may also be interested in a mobile application to take advantage of the advanced capabilities of smartphones and tablets such as GPS, camera or gyroscope and to be able to access offline content, although in this case they are not as universal as web pages for mobile and it is required develop for multiple operating systems. Goigi also develops custom applications for iPhone and Android applications.




International money transfer methods – Which are the safest?

Posted by Cathi Tinsly, Wednesday, March 14th, 2018 @ 8:19am

  • If you’re frequently sending money abroad or making international payments online, chances are you already worry about the safety of your money and your rights as a consumer. And while in many cases running to your local bank and transferring the money is not a very suitable option due to the exchange rate differences, you must find other safe and pocket-friendly options in the process. Luckily, there are so many apps and options when it comes to this matter. You only have to pick the right one for you and your needs and concerns. Below we have more details and information on things you should pay attention to when making online payments or transferring money internationally.

    What options do I have?

    As mentioned in the beginning, you can operate such transfers with your bank, but it is very unlikely for them to offer good rates. Depending on the transferred amount, you can be charged quite a lot. Also, not only you might be charged thousands for transferring bigger amounts of money, but the interval in which your payment is processed might take longer than a week, in some cases.

    Another alternative is to opt for a money transfer company such as Western Union, MoneyGram and so on. While the interval it takes these companies to process the transfer is almost instant, the rates are far from being friendly, and in most of the cases, these rates change and vary on a daily basis. Yet again, this is not the most advantageous method which you could use.

    Online payment systems and money transfer systems seem to be the best alternative one has in order to operate a transaction like this safely and fast. The rates for international money transfer transactions are fair, with no noticeable exchange rate differences, and there are some notable examples on incredibly safe services like these: PayPal may be the most notorious one currently available.

    What should I take into account when sending money internationally?

    There are several variables that count when it comes to your experience and the receiving part’s experience when transferring money.

    ·         Tracking – A reputable service like this should have advanced tracking systems when it comes to the itinerary of your money. Luckily, the reputable operators on the market benefit from such features, increasing the security and peace of mind of their clients.

    ·         Support – Customer support services are highly important when it comes to money transfer, so make sure that the solution that you choose has a satisfactory customer support team.

    ·         Speed – Especially when sending money abroad, you want to make sure that that money will reach the destination in a timely and transparent fashion.

    Are there any tips that will help me?

    Obviously, experts can always provide valuable tips and tricks. Maybe the most important one is to search for a company or service with an amazing customer support team. Next, come the fees practiced by these operators. You want to search for those with low fees and good exchange rates. Also, you want to remember that if you want to operate an interbank transfer, you will probably end up paying more than you settle for.

Dairyland Viking Insurance

Posted by Cathi Tinsly, Sunday, March 4th, 2018 @ 9:25am

  • We only represent automobile insurance companies that have a reputation for financial stability and excellent service. Insurance buyers must investigate your car insurance score by AM Best before purchase and periodically to ensure that the insurer is financially solvent and in good standing with the Dairyland Viking Insurance, the government department that oversees the operation of insurance companies and agents in the Dairyland Viking Insurance.

    Pioneers of the innovation

    Viking ins is a company that employs modern technologies and are pioneers of many of the innovations other insurance companies later try to copy. The latest great invention is the patented Snapshot technology, which allows the driver with excellent driving habits to achieve a discount off the already low prices offered by Dairyland Viking ins. Many people are confused about the relationship Viking Insurance has with their independent insurance agents. The company has marketed two different ways.

    Direct and through independent agencies

    If you buy your policy online or by phone through the direct method, you should always look for customer service on your policy through the phone or the Vikinginsurance.net the website, not the local agent. Viking Insurance Direct (Direct) is really in direct competition with Viking Insurance Agent (Agent) offered by the local independent agent. If you purchase your policy from a local agent, you can request customer service from both the agent and the company or by visiting the website Vikinginsurance.net.

    Subsidiary

    Kemper Specialty is a subsidiary of the Viking Insurance company. This company is also known for innovation, a packaged car, roadside assistance, and a tenant program were launched in a single policy, a single invoice. It has a local claims office in Salem.

    Dairyland Auto Insurance Company is a subsidiary of the companies of the Sentry group based, the state of dairymen. He recently bought the Viking insurance company and is slowly moving the better-known name of Dairyland Auto. Car insurance Dairyland has flexible payment plans from month to month, and you cannot beat the price of car insurance for drivers without cars.

    Affiliate

    The company is a very diverse company that offers a complete line of products. Viking insurance offers home insurance (mobile), a classic homeowner, motorcycle and a very competitive auto insurance policy. The well-known group of insurers Farmers is affiliated with the company.

Effective Content Marketing Strategy for Small Businesses

Posted by Cathi Tinsly, Friday, September 8th, 2017 @ 2:39pm

  • Content Marketing

    In this digital age, content marketing has become one of the most powerful tools for connecting with your targeted customers. Inbound marketing combines search, and social media services to exhibit your insight so as to draw more audience to your website. Top enterprise brands rely on content marketing agencies for their marketing strategies to execute on a global stage and stay organized.

    Many content marketing companies have sprouted up the marketing strategies to help brands educate and earn the trust of the audience. That's why more than 80% digital marketing professionals advise business owners for strategic marketing in the year 2017 that will help increase sales and growth.

    Why Content Marketing Strategy.

    • Less expensive 
    • Enhance brand awareness 
    • Generate traffic to your website

    Content marketing is a process that requires regular, consistent delivery of focused content to increase your visibility and demonstrate your expertise. It's important to document your marketing strategy that should include your goals, research, tactics, and metrics to get useful results.

    Below there are some points to go through that will make your content as the center of your digital marketing strategy.

    1) Make an authentic brand story

    Create content about your product or services that meet your customer interests, needs, and expectations. It is the most important part of content marketing strategy that helps to connect with your potential clients.

    A brand story must be real, authentic, and honest that describes your company existence, product description, brand names, titles, and taglines.

    If you don't have a brand book or formal rules for preparing a brand story, begin by looking into similar brands over the Internet.

    2) Build brand awareness

    You can build brand awareness by highlighting the features and benefits of your product through marketing contents and promoting it on social media sites and other business sites.

    Writing fresh contents on your website or blog, creating infographics content, videos, animations, etc. are some of the practical ways that can drive-in traffic or convert the visitors on your site.

    3) Effective content marketing formats

    While creating content, you should know the topic to write, and the format to use for business success. The content marketing formats contain the full range of contents used to resolve the customer issues at each stage with detailed information.

    Some of the marketing formats like blog posts, articles, reviews, video contents, newsletters, whitepapers, eBooks, etc. are very helpful in attracting new customers and closing leads.

    4) Monitor your sales performance

    Without appropriately measuring outcomes, you can't know whether your marketing strategy for content is working. You can't see the mix-ups, and can't even recognize your chances.

    There are several content marketing metrics to focus on like website traffic, links, likes, shares, comments, sign-up, downloads and lead conversion.

    By measuring the right metrics on-and off-site content, you can easily set your objectives and desires and see the content marketing results.

    5) Paid Content Promotion

    Paid advertising platforms allow you to promote the content to a particular group of audience, qualified drive-in traffic, and leads, and develop your customer base. Paid ads are expensive and help you generate high ROI.

    Some of the paid advertising methods that used for promoting contents are Facebook advertising, Google AdWords, LinkedIn, Twitter, email newsletters, events, etc.

    Promoting your content via paid media or ads can help the targeted audience to notice your contents that result in better conversions.

    Conclusion

    Marketing will see a change towards being more customer centric rather than conceptual. People are getting hammered thousands of times a day by marketing now, and we need to make it accurate and relevant for them to take interest as well as actions. We are looking to find the niche market our customers are in rather than focusing on only what we do. These are some of the content marketing strategies that can help your online business presence.

    Currently, if you need any help with content marketing strategy, you can contact BOOSTrust in NJ for guidance and support.

    Today's online consumer isn't responsive to cheap marketing plan so to flash customer interest, gather valuable data, encourage loyalty, and ultimately increase sales; outsourcing your digital marketing needs is a must. It not just helps you get quick results but also helps build brand and business identity in the virtual world in a comparatively shorter span of time.

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Workout Routines for Men Over 40 Years Old

By Cathi Tinsly on May 22nd



Old men do not have as much strength as they were young. Their strength will decrease as they are getting older. But it cannot be used as the reason not to work out anymore. Instead, old men should still workout to keep their health and protect them from diseases. Since not all kinds of exercises are suitable for old men, here are the recommended workout routines for men over 40 years old.

  1. The first workout that is suitable for men over 40 years old is cycling. Cycling is good for the heart because it has the same effects as running without any constant pressure on the knees and feet. You can cycle around your neighborhood in the morning to get the fresh air. Or, you can ride your bicycle when you need to go to the near minimarket instead of driving.

  1. The next is swimming. This kind of workout is good to train all parts of the body. Swimming can burn calories, shape your body, and make you healthier. You can burn up to 500 calories by swimming for an hour.

  1. Yoga and Pilates are also suitable for men over 40 years old. Yoga and Pilates are good for your flexibility. You can also train your spine and abdominal muscles with these 2 exercises. Moreover, Yoga and Pilates can also reduce stress and increase energy in your body.

  1. For you who want to focus on training your legs and arms, rowing is the right exercise. This exercise is dominated by training for legs, just like the squat. According to research performed in the King College in London, rowing is useful to create stronger legs and a sharper mind.


Those are the exercises that are suitable for men over 40 years old. Please note that you have to warm up first before working out. Even though you just want to go for light jogging, it is important to warm up your body first. By warming up, your body and muscles will be more ready to do various movements. Warm-up your body for around 10 minutes to 15 minutes. After working out, relax or cool down your body. Warming up is important for those who are over 40 years old because muscles are already stiff and the functions decrease. If you exercise without warming up, you are at risk of getting injured.

Moreover, men over 40 years old are suggested to do exercises that focus on flexibility. Flexibility exercises can protect you away from mobility issues. As you are getting older, you will experience decreased flexibility, joint disorders, and weakened muscles. If you ignore these conditions, you will find it harder to work out. This is why it is important to perform flexibility exercises. Moreover, choose the right exercises in accordance with your strength. No need to do weightlifting if you find it difficult. Balance the exercises with healthy lifestyles and healthy dietary habits. Consume recommended foods for people over 40 years old, such as berries, nuts, avocados, and many more. And not forget to also take supplement for men over 40 such as Vigrx Plus.  So are you ready to have a healthier body?


Everything about mortgages and loans

By Cathi Tinsly on February 23rd

Most of the people who decide to buy a house have to apply for a mortgage loan to a financial institution and to be able to pay the same. Therefore, the first thing that one must do is to be well informed of the existing offers and of the obligations to be contracted.

There are two different and complementary elements:

The main loan contract, whereby a person or entity (the creditor, in general, a bank or savings bank), lends an amount of money to another (the debtor).

The mortgage, which is the guarantee that the debtor, or another for him, provides to whom he lends the money. It consists in that a property (or several) is offered and fixed as a guarantee that the loan will be repaid, so that if it is not repaid within the agreed deadlines, the financial entity could, with abbreviated procedures, sell in public auction the mortgaged property to collect what is owed, leaving the surplus to pay other creditors or, failing that, for the debtor.

Since the financial institution has a particularly effective guarantee, such as that of the mortgaged property, it can grant the loan with a longer-term and a more advantageous interest than in personal loans.

The property, unless the sale proceeds in the event of default, remains the property of the debtor, who can sell it, rent it or return it to mortgage.

This is not the only possible guarantee. Often, the financial institution requires that a bond be added to the mortgage, which consists of one or more people supporting the debtor, forcing himself to pay if he does not.

Universal responsibility: It should not be forgotten that the borrower responds with all his assets, present and future, to the payment of the mortgage loan. If the sale of the mortgaged property does not cover the debt, the entity that granted the credit will require the debtor to respond with any other good that he has or that he might have in the future.

Limited liability to the mortgaged property: However, today few entities grant mortgage loans in which the debtor's liability is limited solely and exclusively to the mortgaged property, and all others are released, in case of default of the loan. assets that the debtor has or could have in the future.

Loan request

These are the steps that an individual must follow with a financial institution to acquire a home, which is the most typical assumption, although it can be applied to any mortgage loan. They are general advice. It is advisable if in doubt, to go to a notary since this will intervene in any mortgage and is the person who can give an independent, impartial and free advice on any aspect of the Mortgage for renovation.

What amount to order: It is necessary to take into account only the costs of the sale of the home and the appraisal, since the financial entity pays by law the tax, the registration invoice, the notary's invoice, and the management invoice, that is to say, that the mortgage loan should only carry appraisal expenses.

On the other hand, it should be borne in mind that credit institutions cannot lend more than 60% of the appraised value of the mortgaged property, except for the financing of the construction, rehabilitation or acquisition of housing, in which it may reach 80% of that value.

Obtain information from several credit institutions: Given the importance of the operation, you should not go only to your bank or a lifetime bank. It is advisable to compare different offers. Basic issues are:

Way to return the loan

Total term: Number of years in which the loan will be repaid. The longer the term, the more interest is paid and, therefore, more is paid together.

Periodicity of fees: It is usually monthly in almost all cases.

Possibility of early repayment: It is possible to advance loan amounts, either to reduce it or to pay it in full, before the agreed term. Each of the entities establishes conditions for this possibility.

Novation of the mortgage loan: It consists of an agreement with the financial entity to increase or reduce the capital, modify the term of duration agreed, the conditions of the interest rate initially agreed or in force, the method or system of amortization and any other financial conditions of the loan. You can also agree on the provision or modification of personal guarantees.

Subrogation of the mortgage loan: The procedure is basically to go to an entity that offers better conditions for the loan than those currently available, which must issue a binding offer. This offer must contain the new conditions that are offered, and the new entity will not be able to charge afterward commissions or expenses that have not been agreed on in that offer.

Cancellation

It is a post-loan operation, the last act once it has been fully paid. When the loan is paid in full, the mortgage, which is the guarantee that this loan is going to be paid and is ineffective, but a formal action is necessary to record that extinction in the Registry, which is the so-called cancellation.

It is necessary, therefore, a public deed before a notary, the mortgage cancellation, whose expenses will be borne by the debtor, that is, the one who requested the mortgage or subrogated in it. This deed does not require the debtor to intervene but is granted by the representatives of the financial entity saying that the debtor returned the loan capital with all its interests and expenses and requesting the property registrar to cancel the mortgage. Once signed before a notary, the deed of cancellation is taken to the registry, where it is registered, leaving the property completely 'clean' of the mortgage. The mortgage cancellation is tax-exempt.

The Ultimate Guide to Buying CBD Oil

By Cathi Tinsly on January 14th









In the market, there is a huge amount of CBD oils. Here we analyze what you need to know when buying CBD oil online.

The CBD does not require large presentations. This small compound has recently conquered the health sector and has been the subject of all kinds of studies and press articles. But, with so many brands of CBD oil available, how can you be sure that you are purchasing the best product? In this article, we help you make an informed decision about CBD and explain how to buy the best Vita Hemp Oil on the market.

HOW TO IDENTIFY THE BEST QUALITY CBD OIL

CBD oil is a relatively new product; therefore, it can be very difficult to distinguish between high and low quality. We have prepared some point summaries to help you buy your own CBD oil.

1. THINK FOR WHAT PURPOSE DO YOU WANT TO USE THE CBD

The first thing to do when you buy CBD oil is to know what you are going to use it for. What are your goals? What results are you looking for when you include this cannabinoid in your daily routine? CBD oil is not a panacea, so it is very important to maintain some perspective when starting a CBD supplement that suits your needs.

Moreover, it is not advised to take large amounts of this cannabinoid at once. Although the World Health Organization considers that the CBD has a good safety profile, it is best to start "from below and gradually", as with any substance. The average consumer of CBD oil usually takes it several times a day. You can always opt for stronger doses if necessary. On the other hand, we recommend you to conduct your investigation of the scientific findings surrounding the CBD, to help you determine the best way to incorporate it into your life.




2. FIND OUT ABOUT THE DIFFERENT EXTRACTION METHODS

CBD is one of the more than 100 hemp and cannabis cannabinoids. It was "discovered" in the 1940s, but recently it has begun to arouse interest in the medical field and the general public, as scientific testimonies and results have been presented on its effects

For example, in 2008, Therapeutics and Clinical Risk Management magazine published an article on the potential of cannabinoids such as CBD for the treatment of pain. According to this document, CBD medications are potentially more effective in fighting inflammation than NSAIDs (for example, ibuprofen), and even some stronger anti-inflammatory drugs. However, this analysis is more than a decade old, and only presents preliminary results in this area.

The CBD began to arouse public interest at the beginning of the new millennium when anecdotal cases about its potential to relieve certain types of seizures came to light. Today, thanks to numerous clinical trials that analyze this issue, the US FDA. has approved Epidiolex (containing CBD as an active ingredient) for the treatment of Dravet and Lennox-Gastaut syndromes, two types of severe childhood epilepsy. Other public health organizations are waiting for the approval of Epidiolex.

It is very difficult to find large-scale tests with humans for various health problems, although the following clinical trials of the effect of CBD on anxiety seem to have encouraging results. A 2011 study found that participants with generalized social anxiety disorder experienced a "significant reduction in anxiety, cognitive impairment, and discomfort of speech intelligibility, [sic] and a significant decrease in the alertness of anticipatory speech ... "after taking CBD before a mock public speaking test.

Also, the results of a 2019 clinical study found that CBD reduced anxiety by 79.2% during the first month of treatment among 72 participants, and these results were prolonged throughout the study. However, the authors believe that more controlled clinical tests are needed to confirm and detail these findings.

The scientific research of the CBD increases, literally, every day, although we will have to wait sometime to know its conclusions. CBD is being investigated for its potential about numerous health disorders, but there is still insufficient evidence to confidently confirm its properties in most of these fields. That said, clinical trials and the approval of CBD drugs in some parts of the world indicate that a very promising future awaits us.

3. THINK ABOUT THE ORIGIN OF THE HEMP

A CBD product can only be as good as the hemp it is extracted from. Don't forget to keep this in mind when choosing an oil. Products marketed as organic in these areas have to comply with strict regulations on the use of fertilizers, pesticides, etc. By buying organic CBD oil from European or American producers, you are guaranteed to obtain a clean and good quality product.

Remember that hemp, like other plants, can absorb all kinds of environmental materials. If it is grown with synthetic fertilizers and pesticides are applied, many of the compounds of these products could end up in the plant and, subsequently, in your oil.

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Workout Routines for Men Over 40 Years Old

Posted by Cathi Tinsly, Friday, May 22nd, 2020 @ 10:15am



  • Old men do not have as much strength as they were young. Their strength will decrease as they are getting older. But it cannot be used as the reason not to work out anymore. Instead, old men should still workout to keep their health and protect them from diseases. Since not all kinds of exercises are suitable for old men, here are the recommended workout routines for men over 40 years old.

    1. The first workout that is suitable for men over 40 years old is cycling. Cycling is good for the heart because it has the same effects as running without any constant pressure on the knees and feet. You can cycle around your neighborhood in the morning to get the fresh air. Or, you can ride your bicycle when you need to go to the near minimarket instead of driving.

    1. The next is swimming. This kind of workout is good to train all parts of the body. Swimming can burn calories, shape your body, and make you healthier. You can burn up to 500 calories by swimming for an hour.

    1. Yoga and Pilates are also suitable for men over 40 years old. Yoga and Pilates are good for your flexibility. You can also train your spine and abdominal muscles with these 2 exercises. Moreover, Yoga and Pilates can also reduce stress and increase energy in your body.

    1. For you who want to focus on training your legs and arms, rowing is the right exercise. This exercise is dominated by training for legs, just like the squat. According to research performed in the King College in London, rowing is useful to create stronger legs and a sharper mind.


    Those are the exercises that are suitable for men over 40 years old. Please note that you have to warm up first before working out. Even though you just want to go for light jogging, it is important to warm up your body first. By warming up, your body and muscles will be more ready to do various movements. Warm-up your body for around 10 minutes to 15 minutes. After working out, relax or cool down your body. Warming up is important for those who are over 40 years old because muscles are already stiff and the functions decrease. If you exercise without warming up, you are at risk of getting injured.

    Moreover, men over 40 years old are suggested to do exercises that focus on flexibility. Flexibility exercises can protect you away from mobility issues. As you are getting older, you will experience decreased flexibility, joint disorders, and weakened muscles. If you ignore these conditions, you will find it harder to work out. This is why it is important to perform flexibility exercises. Moreover, choose the right exercises in accordance with your strength. No need to do weightlifting if you find it difficult. Balance the exercises with healthy lifestyles and healthy dietary habits. Consume recommended foods for people over 40 years old, such as berries, nuts, avocados, and many more. And not forget to also take supplement for men over 40 such as Vigrx Plus.  So are you ready to have a healthier body?


Everything about mortgages and loans

Posted by Cathi Tinsly, Saturday, February 22nd, 2020 @ 11:14pm

  • Most of the people who decide to buy a house have to apply for a mortgage loan to a financial institution and to be able to pay the same. Therefore, the first thing that one must do is to be well informed of the existing offers and of the obligations to be contracted.

    There are two different and complementary elements:

    The main loan contract, whereby a person or entity (the creditor, in general, a bank or savings bank), lends an amount of money to another (the debtor).

    The mortgage, which is the guarantee that the debtor, or another for him, provides to whom he lends the money. It consists in that a property (or several) is offered and fixed as a guarantee that the loan will be repaid, so that if it is not repaid within the agreed deadlines, the financial entity could, with abbreviated procedures, sell in public auction the mortgaged property to collect what is owed, leaving the surplus to pay other creditors or, failing that, for the debtor.

    Since the financial institution has a particularly effective guarantee, such as that of the mortgaged property, it can grant the loan with a longer-term and a more advantageous interest than in personal loans.

    The property, unless the sale proceeds in the event of default, remains the property of the debtor, who can sell it, rent it or return it to mortgage.

    This is not the only possible guarantee. Often, the financial institution requires that a bond be added to the mortgage, which consists of one or more people supporting the debtor, forcing himself to pay if he does not.

    Universal responsibility: It should not be forgotten that the borrower responds with all his assets, present and future, to the payment of the mortgage loan. If the sale of the mortgaged property does not cover the debt, the entity that granted the credit will require the debtor to respond with any other good that he has or that he might have in the future.

    Limited liability to the mortgaged property: However, today few entities grant mortgage loans in which the debtor's liability is limited solely and exclusively to the mortgaged property, and all others are released, in case of default of the loan. assets that the debtor has or could have in the future.

    Loan request

    These are the steps that an individual must follow with a financial institution to acquire a home, which is the most typical assumption, although it can be applied to any mortgage loan. They are general advice. It is advisable if in doubt, to go to a notary since this will intervene in any mortgage and is the person who can give an independent, impartial and free advice on any aspect of the Mortgage for renovation.

    What amount to order: It is necessary to take into account only the costs of the sale of the home and the appraisal, since the financial entity pays by law the tax, the registration invoice, the notary's invoice, and the management invoice, that is to say, that the mortgage loan should only carry appraisal expenses.

    On the other hand, it should be borne in mind that credit institutions cannot lend more than 60% of the appraised value of the mortgaged property, except for the financing of the construction, rehabilitation or acquisition of housing, in which it may reach 80% of that value.

    Obtain information from several credit institutions: Given the importance of the operation, you should not go only to your bank or a lifetime bank. It is advisable to compare different offers. Basic issues are:

    Way to return the loan

    Total term: Number of years in which the loan will be repaid. The longer the term, the more interest is paid and, therefore, more is paid together.

    Periodicity of fees: It is usually monthly in almost all cases.

    Possibility of early repayment: It is possible to advance loan amounts, either to reduce it or to pay it in full, before the agreed term. Each of the entities establishes conditions for this possibility.

    Novation of the mortgage loan: It consists of an agreement with the financial entity to increase or reduce the capital, modify the term of duration agreed, the conditions of the interest rate initially agreed or in force, the method or system of amortization and any other financial conditions of the loan. You can also agree on the provision or modification of personal guarantees.

    Subrogation of the mortgage loan: The procedure is basically to go to an entity that offers better conditions for the loan than those currently available, which must issue a binding offer. This offer must contain the new conditions that are offered, and the new entity will not be able to charge afterward commissions or expenses that have not been agreed on in that offer.

    Cancellation

    It is a post-loan operation, the last act once it has been fully paid. When the loan is paid in full, the mortgage, which is the guarantee that this loan is going to be paid and is ineffective, but a formal action is necessary to record that extinction in the Registry, which is the so-called cancellation.

    It is necessary, therefore, a public deed before a notary, the mortgage cancellation, whose expenses will be borne by the debtor, that is, the one who requested the mortgage or subrogated in it. This deed does not require the debtor to intervene but is granted by the representatives of the financial entity saying that the debtor returned the loan capital with all its interests and expenses and requesting the property registrar to cancel the mortgage. Once signed before a notary, the deed of cancellation is taken to the registry, where it is registered, leaving the property completely 'clean' of the mortgage. The mortgage cancellation is tax-exempt.

The Ultimate Guide to Buying CBD Oil

Posted by Cathi Tinsly, Tuesday, January 14th, 2020 @ 1:39am









  • In the market, there is a huge amount of CBD oils. Here we analyze what you need to know when buying CBD oil online.

    The CBD does not require large presentations. This small compound has recently conquered the health sector and has been the subject of all kinds of studies and press articles. But, with so many brands of CBD oil available, how can you be sure that you are purchasing the best product? In this article, we help you make an informed decision about CBD and explain how to buy the best Vita Hemp Oil on the market.

    HOW TO IDENTIFY THE BEST QUALITY CBD OIL

    CBD oil is a relatively new product; therefore, it can be very difficult to distinguish between high and low quality. We have prepared some point summaries to help you buy your own CBD oil.

    1. THINK FOR WHAT PURPOSE DO YOU WANT TO USE THE CBD

    The first thing to do when you buy CBD oil is to know what you are going to use it for. What are your goals? What results are you looking for when you include this cannabinoid in your daily routine? CBD oil is not a panacea, so it is very important to maintain some perspective when starting a CBD supplement that suits your needs.

    Moreover, it is not advised to take large amounts of this cannabinoid at once. Although the World Health Organization considers that the CBD has a good safety profile, it is best to start "from below and gradually", as with any substance. The average consumer of CBD oil usually takes it several times a day. You can always opt for stronger doses if necessary. On the other hand, we recommend you to conduct your investigation of the scientific findings surrounding the CBD, to help you determine the best way to incorporate it into your life.




    2. FIND OUT ABOUT THE DIFFERENT EXTRACTION METHODS

    CBD is one of the more than 100 hemp and cannabis cannabinoids. It was "discovered" in the 1940s, but recently it has begun to arouse interest in the medical field and the general public, as scientific testimonies and results have been presented on its effects

    For example, in 2008, Therapeutics and Clinical Risk Management magazine published an article on the potential of cannabinoids such as CBD for the treatment of pain. According to this document, CBD medications are potentially more effective in fighting inflammation than NSAIDs (for example, ibuprofen), and even some stronger anti-inflammatory drugs. However, this analysis is more than a decade old, and only presents preliminary results in this area.

    The CBD began to arouse public interest at the beginning of the new millennium when anecdotal cases about its potential to relieve certain types of seizures came to light. Today, thanks to numerous clinical trials that analyze this issue, the US FDA. has approved Epidiolex (containing CBD as an active ingredient) for the treatment of Dravet and Lennox-Gastaut syndromes, two types of severe childhood epilepsy. Other public health organizations are waiting for the approval of Epidiolex.

    It is very difficult to find large-scale tests with humans for various health problems, although the following clinical trials of the effect of CBD on anxiety seem to have encouraging results. A 2011 study found that participants with generalized social anxiety disorder experienced a "significant reduction in anxiety, cognitive impairment, and discomfort of speech intelligibility, [sic] and a significant decrease in the alertness of anticipatory speech ... "after taking CBD before a mock public speaking test.

    Also, the results of a 2019 clinical study found that CBD reduced anxiety by 79.2% during the first month of treatment among 72 participants, and these results were prolonged throughout the study. However, the authors believe that more controlled clinical tests are needed to confirm and detail these findings.

    The scientific research of the CBD increases, literally, every day, although we will have to wait sometime to know its conclusions. CBD is being investigated for its potential about numerous health disorders, but there is still insufficient evidence to confidently confirm its properties in most of these fields. That said, clinical trials and the approval of CBD drugs in some parts of the world indicate that a very promising future awaits us.

    3. THINK ABOUT THE ORIGIN OF THE HEMP

    A CBD product can only be as good as the hemp it is extracted from. Don't forget to keep this in mind when choosing an oil. Products marketed as organic in these areas have to comply with strict regulations on the use of fertilizers, pesticides, etc. By buying organic CBD oil from European or American producers, you are guaranteed to obtain a clean and good quality product.

    Remember that hemp, like other plants, can absorb all kinds of environmental materials. If it is grown with synthetic fertilizers and pesticides are applied, many of the compounds of these products could end up in the plant and, subsequently, in your oil.

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