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World experts and funders set priorities for COVID-19 research
Leading health experts from around the world have been meeting at the World Health Organization’s Geneva headquarters to assess the current level of knowledge about the new COVID-19 disease, identify gaps and work together to accelerate and fund priority research needed to help stop this outbreak and prepare for any future outbreaks.

The 2-day forum was convened in line with the WHO R&D Blueprint – a strategy for developing drugs and vaccines before epidemics, and accelerating research and development while they are occurring.

“This outbreak is a test of solidarity — political, financial and scientific. We need to come together to fight a common enemy that does not respect borders, ensure that we have the resources necessary to bring this outbreak to an end and bring our best science to the forefront to find shared answers to shared problems. Research is an integral part of the outbreak response,” said WHO Director-General Dr Tedros Adhanom Ghebreyesus. “I appreciate the positive response of the research community to join us at short notice and come up with concrete plans and commitment to work together.”

The meeting, hosted in collaboration with GloPID-R (the Global Research Collaboration for Infectious Disease Preparedness) brought together major research funders and over 300 scientists and researchers from a large variety of disciplines. They discussed all aspects of the outbreak and ways to control it including:
- the natural history of the virus, its transmission and diagnosis;
- animal and environmental research on the origin of the virus, including management measures at the human-animal interface;
- epidemiological studies;
- clinical characterization and management of disease caused by the virus;
- infection prevention and control, including best ways to protect health care workers;
- research and development for candidate therapeutics and vaccines;
- ethical considerations for research;
- and integration of social sciences into the outbreak response.
“This meeting allowed us to identify the urgent priorities for research. As a group of funders we will continue to mobilize, coordinate and align our funding to enable the research needed to tackle this crisis and stop the outbreak, in partnership with WHO,” said Professor Yazdan Yazdanpanah, chair of GloPID-R. “Equitable access – making sure we share data and reach those most in need, in particular those in lower and middle-income countries, is fundamental to this work which must be guided by ethical considerations at all times.”

During the meeting, the more than 300 scientists and researchers participating both in person and virtually agreed on a set of global research priorities. They also outlined mechanisms for continuing scientific interactions and collaborations beyond the meeting which will be coordinated and facilitated by WHO. They worked with research funders to determine how necessary resources can be mobilized so that critical research can start immediately.

The deliberations will form the basis of a research and innovation roadmap charting all the research needed and this will be used by researchers and funders to accelerate the research response.

Note to editors

GloPID-R is a global alliance of international research funding organizations investing in preparedness and response to epidemics.

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https://www.who.int/news-room/detail/12-02-2020-world-experts-and-funders-set-priorities-for-covid-19-research

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February 27, 2020
Ministers to agree new global road safety agenda to 2030

Government ministers and senior officials from over 100 countries will meet in Stockholm, Sweden from 19-20 February to discuss new steps to halve road traffic deaths and injuries by 2030, in line with global targets agreed in the United Nations Sustainable Development Goals (SDGs).

“The fact that an estimated 1.35 million lives are lost every year due to road traffic collisions is an outrage. It is an unacceptable price to pay for mobility,” said Dr Tedros Adhanom Ghebreyesus, Director-General at the World Health Organization (WHO).

Road traffic injuries are now the leading cause of death for children and young adults aged 5 to 29 years, according to WHO’s most recent Global status report on road safety.

More than half of all road traffic deaths occur among pedestrians, cyclists and motorcyclists. The risk of a road traffic death remains three times higher in low-income countries than in high-income countries. Moreover, as many as 50 million people experience non-fatal road injuries, which impose human suffering and major economic losses.

“Most road traffic deaths and injuries can be prevented, using tried and tested strategies,” added Dr Tedros. “This conference is an opportunity for the world to embrace a new agenda to radically reduce the number of lives lost on our roads and re-think how we can provide access to safe, affordable, accessible and sustainable transport systems for all.”

Progress in road safety

Many countries have already made progress through effective road safety management and focusing on better legislation and enforcement around key risks such as speeding; drinking and driving, and failing to use seatbelts. They have also improved infrastructure through measures such as safer sidewalks and dedicated lanes for cyclists; implemented vehicle standards such as those that mandate advanced braking and electronic stability control; and enhanced post-crash care.

Improvements have occurred when a number of sectors have been involved – including transport, health, urban planning and law enforcement, among others. Success has also depended mainly on strong leadership and political will at the highest level of government and in close collaboration with civil society and the private sector.

The Stockholm Declaration

Hosted by the Government of Sweden in collaboration with WHO, the 3^rd Global Ministerial Conference on Road Safety offers delegates an opportunity to share successes and lessons learned, chart future strategic directions for global road safety, and define ways to fast-track progress around proven strategies to save lives.

The Stockholm Declaration will be presented as the final outcome document of the Ministerial Conference calling for strong political will and international cooperation as well as partnerships across many sectors of society. The Declaration will lay out key recommendations for accelerated action to drive progress towards halving global road traffic deaths and injuries by 2030.

Beyond preventing human suffering and major economic losses, addressing road traffic deaths and injuries has positive impact across all aspects of society and development ─ including those linked to environment, climate change, education, employment, energy, poverty, human rights and equality ─ as outlined in the SDG targets.

Note to editors:

Road safety is reflected in the SDGs agreed in 2015, with two dedicated targets: (a) 3.6 aimed at preventing road traffic deaths and injuries and (b) 11.2 providing access to safe, affordable, accessible and sustainable transport systems for all.

Achieving these targets would lead to increases in walking, cycling and using public transport, in other words, those modes of transport which impact most favorably on noncommunicable diseases like heart and lung diseases, cancer and diabetes. It would also contribute to reducing environmental risks, such as air and noise pollution, and steering sustainable urbanization, with less congestion and universal access to safe, inclusive and green public spaces.

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https://www.who.int/news-room/detail/07-02-2020-ministers-to-agree-new-global-road-safety-agenda-to-2030

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February 27, 2020
WHO and FIND formalize strategic collaboration to drive universal access to essential diagnostics

Geneva, Switzerland – 10 February 2020 – The World Health Organization (WHO) and the Foundation for Innovative New Diagnostics (FIND) announced today that a memorandum of understanding has been signed by the two organizations to formalize a strategic collaboration that will strengthen diagnosis in resource-poor countries by closing major diagnostic gaps at country level and bolstering disease surveillance that will inform public health initiatives and enhance outbreak preparedness and response.

“This collaboration is an inspiring development that will take us a long way towards ensuring access to diagnostics to all who need them,” said Dr Tedros Adhanom Ghebreyesus, Director-General of the World Health Organization. “Global health challenges such as the ongoing novel coronavirus (2019-nCoV) outbreak demonstrates that without these essential elements of health systems, we cannot hope to promote health, keep the world safe, and serve the vulnerable. I look forward to working closely with FIND to determine what countries need and to forge a path to deliver these innovations so that no one is left behind.”

Diagnosis is a driver of patient, financial and health systems impact, and a critical enabler of universal health coverage, but it is also the weakest link in the care cascade. This is especially true in primary healthcare settings in low- and middle-income countries. A unique and unprecedented opportunity exists to expand the role and impact of diagnostics to fully realize their potential to address major health security threats and evolving disease burdens through technological and digital advances.

FIND has been an active partner with WHO since 2008 and a WHO Collaborating Centre since 2014, acting in the areas of laboratory strengthening and diagnostic technology evaluation. This expanded collaboration will put in place the building blocks necessary to enable transformative change in a move toward a country-led diagnostics alliance. Initial workstreams will focus on demand-driven access to essential diagnostics and the development of national Essential Diagnostics Lists, alongside collection of data that assist the scale up of diagnostics to support low- and middle-income countries on their paths to universal health coverage.

“Each and every person has the right to a quality, timely diagnosis,” said Catharina Boehme, CEO of FIND. “Comprehensive diagnostic services underpin functional and efficient health systems not only to manage day-to-day healthcare needs, but also to ensure new disease outbreaks can be spotted and contained quickly. Working closely with WHO as part of a country-led alliance, we will strive to ensure that low- and middle-income countries have what they need to develop their own comprehensive, data-driven diagnostic strategies that enable universal health coverage and empower disease surveillance. Our ambition is that all patients, providers and decision-makers have access to the diagnostic solutions needed for optimal health outcomes.”

The strategic collaboration agreement will initially run for a period of 5 years, until 2025.

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About FIND

FIND is a global non-profit organization that drives innovation in the development and delivery of diagnostics to combat major diseases affecting the world’s poorest populations. Our work bridges R&D to access, overcoming scientific barriers to technology development; generating evidence for regulators and policy-makers; addressing market failures; and enabling accelerated uptake and access to diagnostics in low- and middle-income countries (LMICs). Since 2003, we have been instrumental in the development of 24 new diagnostic tools used in 150 LMICs. Over 50 million FIND-supported products have been provided to our target markets since the start of 2015. A WHO Collaborating Centre, we work with more than 200 academic, industry, governmental, and civil society partners worldwide, on over 70 active projects that cross six priority disease areas. FIND is committed to a future in which diagnostics underpin treatment decisions and provide the foundation for disease surveillance, control and prevention. For more information, please visit www.finddx.org

About WHO

The World Health Organization is the directing and coordinating authority for health within the United Nations system. It is responsible for providing leadership on global health matters, shaping the health research agenda, setting norms and standards, articulating evidence-based policy options, providing technical support to countries and monitoring and assessing health trends. WHO is committed to the enjoyment of the highest attainable standard of health as one of the fundamental rights of every human being without distinction of race, religion, political belief, economic or social condition. WHO’s current global programme of work sets out three interconnected strategic priorities: ensuring healthy lives and well-being for all at all ages; achieving universal health coverage; and addressing health emergencies and promoting healthier populations. These priorities are linked to three ambitious targets, the “triple billion”: one billion more people to benefit from universal health coverage; one billion more people better protected from health emergencies; and one billion more people enjoying better health and well-being.

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https://www.who.int/news-room/detail/10-02-2020-who-and-find-formalize-strategic-collaboration-to-drive-universal-access-to-essential-diagnostics

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February 27, 2020
Online training as a weapon to fight the new coronavirus

More than 25 000 people across the globe have accessed real-time knowledge from WHO experts on how to detect, prevent, respond to and control the new coronavirus in the 10 days since the launch of an open online training.

The learning team of the WHO Health Emergencies Programme worked with technical experts to quickly develop and publish the online course on 26 January – 4 days before the 2019-nCoV outbreak was declared a public health emergency of international concern.

Approximately 3000 new users have registered for the training every day since its launch, demonstrating the high level of interest in the virus among health professionals and the general public. In addition, more than 200 000 people have viewed the introductory video to the course on YouTube.

The high engagement levels emerged as the international community launched a US$675 million preparedness and response plan to fight further spread of the new coronavirus and protect states with weaker health systems.

The free learning resource is available to anyone interested in novel coronavirus on WHO’s open learning platform for emergencies, OpenWHO.org. The platform was established 3 years ago with emergencies such as nCoV in mind, in which WHO would need to reach millions of people across the globe with real-time, accessible learning materials.

The online training – entitled “Emerging respiratory viruses, including nCoV: methods for detection, prevention, response and control” – is currently being produced in all official UN languages and Portuguese.

“Our job is to work with technical health experts to package knowledge using adult learning principles, quickly so that it is most useful to health workers and our staff,” said Heini Utunen, who manages OpenWHO for the WHO Health Emergencies Programme (WHE). “Our online platform – OpenWHO – is already accessed by users from every country on earth, providing more than 60 courses in 21 languages. Delivering trainings in the local language of responders is really important, especially in an emergency”.

WHE has been investing in learning and training to strengthen preparedness and real-time response to health emergencies. The programme developed its first-ever learning strategy in 2018 and has a small dedicated Learning and Capacity Development Unit that allows WHE to develop trainings quickly and get know-how to those who most need it at the front line.

For the latest information on the new coronavirus, visit the 2019-nCoV page.

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https://www.who.int/news-room/detail/07-02-2020-online-training-as-a-weapon-to-fight-the-new-coronavirus

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February 27, 2020
Protecting sensitive metadata so it can’t be used for surveillance

MIT researchers have designed a scalable system that secures the metadata—such as who’s corresponding and when—of millions of users in communications networks, to help protect the information against possible state-level surveillance.

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February 26, 2020
The 7 Traits of an Exceptional & Successful Entrepreneur

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How often have you either referred to or considered the expression, “Success is a journey and not a Destination?” Probably many times, yet often being in a hurry to get there, we forget that success is not an end unto itself, but is instead an ongoing process.

Though some people seem to have the Midas touch and easily turn everything to gold, most of us have to give our endeavors lots of time, effort and the sweat of our brow before seeing things come to fruition. The simple truth is that the majority of us are simply not born leaders, but become leaders by who we are and the actions we take. Consequently, whether or not you’re an established entrepreneur or just starting out on your journey, there are particular traits you’ll usually find operating within the exceptional entrepreneur. In fact there are 7 particular traits you’ll generally discover deeply embedded within the exceptional and successful businessperson.

If you’ve already taken the plunge as an entrepreneur, you know that it takes a great deal of planning, development and strategic marketing to succeed. At any given time, there are changes to be considered and new directions to examine. In which case, whether you’re the CEO, CFO, Chief Marketer or Chief Solutions Officer of your company, your journey to success is probably full of trials and tribulations.

To support you in your journey to success, be willing to open your mind and sense of reasoning as you consider whether these traits are part of your driving force. If they are not yet ingrained within you, I recommend that you give them some thought.

THE 7 TRAITS TO SUCCESS

1) Successful Entrepreneurs Gain the Respect of their Peers

One of the first and most obvious characteristics you’ll see operating in an exceptional entrepreneur is an equitable and unbiased disposition . Plain and simple the successful entrepreneur recognizes that no one is above or below. With an attitude of respect for others, the successful entrepreneur gains the respect from everyone they encounter. Strategies, attitudes and methods filter down to each person and reflect on all actions and activities. A successful entrepreneur gives everyone the space to be great. No matter how effective or beneficial your expertise, becoming a successful entrepreneur requires building up of your character muscles, traits and habits, which correspondingly make your dreams a reality.

2) Successful Entrepreneurs Believe and Trust in Themselves

The savvy entrepreneur is good at trusting his or her own ideas and instincts. Starting out as an entrepreneur requires persistence, determination and a high level of self-discipline. Continuing as a successful entrepreneur requires even more persistence, determination and self-discipline. The wise and successful entrepreneur knows this and works hard at developing their level of confidence. If you have a strong code of ethics and believe in yourself, then your ideas can work. Having the desire and passion are the first steps on your journey; getting there requires believing in yourself.

3) Successful Entrepreneurs Follow a Plan

The successful entrepreneur follows a plan. Haphazard or trial and error have no place for the triumphant entrepreneur, for no one gets to his or her destination without a map or a guide to follow. That doesn’t mean you won’t go off course if another road seems better, but it’s still more effective to have a plan in place. Most successful entrepreneurs start out by writing a basic business plan that acts as the impetus and guide for their endeavors. It doesn’t have to be fancy or lengthy but it should include marketing strategies, goals, intentions, ideas and why you can do better than your competition. A business plan should be reviewed and updated periodically for each new idea stirs and inspires other ideas.

4) Successful Entrepreneurs Think Creatively

Successful entrepreneurs are not afraid of thinking creatively. Whether a business idea has already been tried makes no difference to the exceptional entrepreneur. He or she sees better ways of doing things and knows that every idea can be expanded upon, made better, enhanced or broadened . The successful entrepreneur is willing to think outside or the proverbial box, which means using imagination, trying new things and expanding on a vision. The savvy entrepreneur pays careful attention as to whether a particular strategy is working. If after giving it his or her best shot the entrepreneur realizes the particular strategy isn’t working, they know there’s no point in continuing to invest energy, time and effort in the strategy. They move on to another approach and idea.

5)Successful Entrepreneurs Explore Their Exceptional Skills

Successful entrepreneurs realize that we each have our strengths and weaknesses as well as a multitude of skills and talents. Successful people ask themselves often what skills they have that no one shares in quite the same way. An exceptional and successful entrepreneur explores their particular skills until they find the ones that match most closely with their ideal. They don’t try to be and do everything. If the successful entrepreneur needs help, they’re willing to find someone who can do it better, and allows in the support. The successful entrepreneur stays open to change for they recognize that as they move forward, doors open in unexpected places that carry them to their next level of success.

6) Successful Entrepreneurs Envision Their Success

The successful entrepreneur gives time to envisioning how they want their business to look and how they want it to be. Intention is a powerful and dynamic tool. For those who are not inclined towards intention and visualization, talk to a successful athlete and you’ll discover that before each sporting event, the successful athlete envisions exactly how he or she wants things to turn out. Imagine what it will feel like when you’ve reached a particular set of goals. Get in touch with the feelings, you’d have as a successful entrepreneur. Practice and conceive of the sense of empowerment and the joy of having succeeded. The successful entrepreneur knows they have the power to live life the way they want, but to make it a reality, they know it has to be seen first.

7) Successful Entrepreneurs Never Give Up

Giving up is never in the vocabulary of the successful entrepreneur. Of course there may be days when a successful entrepreneur feels discouraged or disappointed, but giving up is not an option. Having faith, trust, confidence and determination are the qualities needed for the successful entrepreneur. To keep their focus on track, they seek out the support of those that know them, encourage them and bring out their natural enthusiasm. The smart and successful entrepreneur realizes that there will be good days and not so good days. Being a successful entrepreneur requires accepting the ebbs and flows of business for it is in fact what separates the exceptional and successful entrepreneur from the one who gives up far too soon.

© 2004

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Source by Robert Moment

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February 8, 2020
Adult Children Come Home to Heal

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Should you let an adult child come home again? Parents send their nearly grown children out to conquer the world and sometimes they bounce right back home. A parent’s goal is to teach their child to survive the best and the worst that life has to offer. Most young people are able to maintain a level of existence, sobriety and relationships that sustain them until they really know who they are and what they want to do with their lives.

However, sometimes life throws them a curve and they falter. Circumstances can hurt them, even bring them to their knees. A devastating break-up with a lover, flunking their first semester, an unexpected death of a best friend, or getting fired from his or her first real job can knock your child out of the game and take months to a year to recover.

Did you keep their childhood bedroom just the same? Perhaps this is the time to open the shades and prepare for a wounded visitor. Make it clear that the invitation is temporary but open your door widely and let them come home again. As irritating as they are to you and your spouse, remember that your little habits will irritate them, too. As they begin to recover their sea legs, they will want the freedom of their own place ASAP. If you want to encourages them to leave quickly after a few weeks recovery, begin to talk endlessly about developing a strong work ethic and new disciplined habits in place of blaming others for their situation or procrastination. Hopefully, they will soon be out seeking new adventures.

Help them improve their diet and sleep patterns. Try including fish oil and B vitamins daily to help them recharge their nerves and bodies. Less coffee and colas and more vegetables will help them with their mood. If your child seems to be getting worse or rarely leaves the house, antidepressants may be indicated. Get medical help immediately if your child seems despondent or suicidal.

Being mom or dad again may even heal your empty nest pain. Give them a safe haven for a little while away from the pressures of living fast and competitively. Soon, they will try to fly again, this time a little wiser, a little stronger and a bit more ready. Oh, and don’t redecorate that room just yet. They may be back.

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Source by Molly Barrow

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February 8, 2020
MLM Forced Matrix Network Marketing System Gains Momentum

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A forced matrix network marketing system is the quickest and most efficient way to prosper in the business field of Multi-Level marketing. MLM entrepreneurs that are new comers and those who are experienced are finding out that a forced matrix system is one of the best ways to grow in the networking arena. Starting an online Internet business in the field of multi-level marketing could be very beneficial for someone struggling in their current employment position.

The reason a forced matrix system works better is because it allows spillover from your upline to come into your matrix even if you did not personally recruit them. A forced matrix is a system that puts a limit to the number of referrals a person can make on your first level. Any more referrals you make will be placed on the second level and so on. The more referrals you have the more your down line will grow and this will benefit the other people in your MLM program. The down lines on forced matrix systems fill up very quickly which means you make your money much faster.

Good forced matrix systems will offer a low investment of $15.00 or less as a one-time payment or a monthly payment. The best forced MLM matrix systems are the one-time low payment investment plans because more people are apt to sign-up quickly when they see that there is no further financial commitment. Some MLM plans allow you to start immediately and make money within a week. You can find a great MLM Company and matrix plan on the Internet without doing much searching.

Network marketing plans are really very simple to learn and can be promoted by almost anyone who has below high school education. Most MLM plans especially the new matrix system plans require only about 2 or 3 referrals to kick start the business. Most people start with recruiting family and friends before venturing off to people you do not know. The secret is really in the matrix plan. If you have a really good matrix plan then many people will want to join and promote it to others. Look for simple networking plans that are easy to explain to others so that your recruits will be able to promote the program more efficiently.

What to look for in a great MLM forced matrix plan? The first thing to look for is a one-time low payment of $15.00 or less business investment. The next thing to look for is a small matrix system that will fill up fast like a 2×2 matrix. This system will not take long to accomplish and you will have financial profit sooner. If you can get paid weekly verses monthly then this will encourage you more because you will be receiving commission checks more often and you will receive more than your investment back within a week or so. Many of these matrix plans will allow you to work another matrix after you complete one and you will be able to continue this process many times. Look for a successful sponsor and you will do well.

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Source by Bill Naugle

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February 7, 2020
Old World Style Kitchen Designs

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With the emergence of new styles and modern amenities, today’s kitchens have undergone complete transformation. Along with the appliances, the set ups of the tiles, boards and kitchen counters also have been reformed. Even so, there are certain individuals who prefer to give their kitchens an authentic and traditional look and hence, the Old World style kitchens have been successful in sustaining their standing.

Old World kitchens were designed in a unique manner. They typically were heavily decorated with distinctive door styles, layered finishes, and stacked with moldings to provide a visual feast. The most frequently used wood for the Old World furniture was either Oak or Cherry. The Old World style kitchen accessories included copper posts, baskets, chopping blocks, crocks, and antique serving pieces. The floors were made either of tiles or wood finishing. The wood and tile finishing differed in darkness level, distressing, sandthrough, paint, and edging. The walls of the kitchen were painted with faux finishes, stucco, or textured finishes. The hardware was filled with hammered distressed iron pieces, and heavy bulky pieces. The kitchen designs usually consist of hearth like cooking centers, loose furniture pieces and tables used as islands, but had ample of open storage areas.

The Old World style kitchens incorporated moldings from the ceiling in large stacked molding combinations, crown posts, large arches, or beamed ceilings. The countertops of such kitchens were preferably in any of the three options of stone, rustic tile and wood.

The Old World style kitchens were more suitable for big and large households and were not affordable styles for small homes. The original beauty of these kitchens can be still seen in some houses, which were built in the 1800s. They are often termed as dark ages kitchens because of the antique and ancient feel they provide to the entire house.

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Source by Damian Sofsian

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February 7, 2020
MLM As a Business Tool

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Multi-level marketing or MLM for short is one of the fastest -rising star in business. It is easy to set up, fast to do and not very difficult to manage as long as you manage a tight ship and create a structure without the holes. These reasons, however, are also the ones that made multi-level marketing as a business tool notorious. People who are out to rob other people of their hard-earned money, used the business structure to create scams. I am sure you have heard of the pyramid scams. The models they used are similar to multi-level marketing except that they are not legitimate business with no legitimate products.

As a business tool, MLM is ingenious. Instead of creating stores and distributing through the usual channels, MLM makes use of ordinary people and their wide range of contacts. It actually takes advantage of the fact that communication now is so much better than before. This means that people you have not even seen in decades can easily be contacted. And the more contacts you have, the better for multi-level marketing because in essence, you will be using their contacts too.

To make you understand MLM much better, here is how it goes. A company with products recruits distributors that will help them sell their products to people. Usually what big companies do is look for big companies who can put their products in the market. The same concept is applied to multi-level marketing except that people act as distributors and not companies. It’s the marriage of distributorship and the legendary Avon way of selling, direct to consumers. This actually gets the best of both worlds.

With this business tool, multi-level marketing companies recruits people who can directly distribute their products to consumers. These people however do not just sell the products, they can also recruit people who can help them sell their products. Thus, increasing their total sales. When a lot of people are already part of one person, this is already considered as a group and group sales are often rewarded with commissions. In fact, the more people you have, the bigger sales you will naturally have. This is the principle of multilevel marketing.

The beauty of this business tool is the fact that products are sold directly to people and yet you have people under you to help you do it. To earn a commission, you don’t need to actually sell the products yourself. You can recruit people to do it for you and then have them do the work. This is ideal for people who have a lot of contacts and network that they can use. Some people do not even have to meet in person to strike a business deal. This is especially true if the MLM company has offices in different states and countries.

One word of caution though when thinking of joining a company that engages in multi-level marketing is to see if they have legitimate products that they can actually sell. You should also see if the company is also a legitimate one. This means it needs to have some manufacturing plant and a main office and business structure to qualify as legitimate. This separates companies that uses it as a business tool and companies that are out to just scam people. Knowing the difference can make save you a lot of effort and of course hard-earned money.

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Source by Terez Dunn

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February 7, 2020