Category: Business

Trustworthy Accounting Services by Javad Marandi

In an ever-evolving financial landscape, the need for reliable and trustworthy accounting services has never been more critical. Enter Javad Marandi, a seasoned professional in the world of finance and accounting, offering a comprehensive range of services that cater to the unique needs of businesses and individuals alike. With a reputation for unwavering integrity and a commitment to excellence, Javad Marandi is a name you can trust when it comes to managing your financial affairs. One of the cornerstones of Javad Marandi’s accounting services is the dedication to transparency and honesty. Mr. Marandi understands that financial matters can be complex and often overwhelming, which is why he places a strong emphasis on open communication and accessibility. Clients can rely on him not just as an accountant, but as a trusted advisor who can explain financial intricacies in a clear and understandable manner. This commitment to clear communication ensures that clients are well-informed, allowing them to make informed decisions about their financial future. Furthermore, Javad Marandi is known for his meticulous attention to detail. In the world of accounting, even the smallest oversight can have significant consequences.

Javad Marandi Business

With Mr. Marandi at the helm, you can rest assured that your financial records will be managed with the utmost precision. He takes the time to thoroughly review every financial document, ensuring accuracy and compliance with all relevant regulations. This meticulous approach reduces the risk of errors, discrepancies, and potential legal issues, providing peace of mind to clients who entrust their financial matters to his capable hands. Javad Marandi’s services extend beyond the realm of number crunching. He offers a holistic approach to financial management, taking into account the unique circumstances and goals of each client. Whether you are an individual seeking to optimize your personal finances or a business owner looking to streamline your company’s financial operations, Mr. Marandi can tailor his services to suit your specific needs. His expertise spans a wide range of financial areas, including tax planning, financial analysis, budgeting, and more. This comprehensive approach ensures that clients receive a well-rounded and strategic solution for their financial challenges.

Moreover, Javad Marandi keeps abreast of the ever-changing financial and tax laws to provide the most up-to-date guidance. He is committed to finding legal and ethical ways to minimize tax liabilities and maximize financial efficiency for his clients. By staying informed about the latest developments in tax regulations and financial strategies, he ensures that clients can capitalize on opportunities and avoid potential pitfalls. In conclusion, Javad Marandi’s accounting services are a beacon of trustworthiness and excellence in the financial industry. His commitment to transparency, precision, and a client-focused approach sets him apart from the competition. Whether you are an individual looking for expert financial guidance or a business seeking a reliable partner in managing your finances, Javad Marandi is a name you can rely on. With him, your financial future is in safe and capable hands.

Entrepreneur Javad Marandi’s Philanthropic Prowess Takes

Entrepreneur Javad Marandi’s philanthropic prowess has undeniably taken center stage in recent years, marking him as a beacon of hope and generosity in the business world. With a remarkable success story that began as an Iranian immigrant in the United Kingdom, Javad Marandi’s journey to prominence is a testament to the quintessential American dream. His entrepreneurial acumen has seen him excel in various industries, including real estate, hospitality, and retail. However, what truly sets him apart is his unwavering commitment to giving back to society and improving the lives of others. Marandi’s philanthropic efforts have made a lasting impact in the fields of education, healthcare, and social welfare. He firmly believes in the power of education as a catalyst for societal progress and has generously supported various educational institutions and initiatives. His contributions have helped build schools, provide scholarships, and enhance educational resources for underserved communities.  Marandi’s commitment to healthcare is equally commendable.

One of the most remarkable aspects of Javad Marandi’s philanthropy is his dedication to addressing social challenges. His initiatives include support for organizations working on poverty alleviation, disaster relief, and the empowerment of marginalized communities. Marandi’s vision extends beyond just financial contributions; he actively engages with the causes he supports, offering his time, expertise, and network to amplify the impact of these organizations. His hands-on approach to philanthropy is a testament to his genuine passion for making a difference. Furthermore, Javad Marandi’s philanthropic endeavors are characterized by a global perspective. While he has certainly made a significant impact in the United Kingdom, his reach extends far beyond its borders.  Marandi’s contributions have supported initiatives in his native Iran and other countries, creating a ripple effect of positive change around the world.  His belief in the interconnectedness of global challenges and the need for collective action has made him an influential figure in the international philanthropic community.

In a world where corporate social responsibility is increasingly in the spotlight, Javad Marandi’s philanthropic endeavors set a high standard for business leaders and entrepreneurs. He demonstrates that business success and social impact are not mutually exclusive; they can complement each other, creating a more sustainable and equitable future. Javad Marandi story is an inspiration to aspiring entrepreneurs and philanthropists, showcasing the profound impact one individual can make when they leverage their resources and influence for the greater good. As Javad Marandi’s philanthropic prowess continues to take center stage, he serves as a beacon of hope for those who believe in the transformative power of generosity and compassion. His commitment to education, healthcare, and social welfare demonstrates that philanthropy is not just about giving, but about actively participating in the betterment of society. Through his tireless efforts and unwavering dedication to making the world a better place, Javad Marandi leaves an indelible mark on the landscape of modern entrepreneurship and philanthropy.

Cold Storage for Food: Reducing Waste and Ensuring Freshness

Cold storage is essential to preserving food products and keeping them fresh. Without proper temperature management, food could spoil, leading to a massive loss of inventory.

If a manufacturer is unable to afford their own factory-attached cold warehouses the option is to use the refrigerated warehouse facilities offered by logistics firms that are third party. They offer one-stop solution for handling bulk amounts of perishable foods before they can be sold at retail shops.

Ensuring Freshness and Safety

Cold storage offers a higher level of surveillance over the food’s quality as well as safety. If foods stay out of the danger zone of temperature and pathogenic bacteria don’t multiply to levels insufficient enough to make customers sick.

Colder temperatures protect the food from insect and pests also. Fruits that are dried, for instance, can be infested by the fungus or weevils. Also, they can get infected with botulism or spores, if they’re stored within oxygen-reducing containers or weren’t treated with cold treatment before shipping.

Cold Storage

The large cold storage facilities are able to accommodate different types of products including meats, vegetables and cheese. They’re often used for food storage that cannot be stored in cold warehouses. There are companies that use plant-attached storage to keep the food supply close to production plants. Other companies choose to utilize private refrigerated warehouses or custom cold storage from third-party logistical providers. It all depends on the requirements of the food product. Design of the kho lanh thuc pham facility needs to be created to create the optimal conditions required for that particular product.

Importance of Cold Storage in Food Industry

The industry of food and beverages heavily relies on cold storage and warehousing in order to preserve the quality of its goods. From raw products to processed foods, meat and seafood, bakery products and more, these products need a certain temperature range and humidity level in order to keep them secure and fresh until they get to consumers.

Companies that are unable to invest in their own refrigerator-free warehouses, bulk cold storage facilities provide a one-stop shop for storing items prior to their transport to retail stores. It reduces the total amount of product that needs to be delivered and allows businesses to better track sales.

Additionally, businesses can make use of these facilities to keep surplus items which could otherwise go bad if left onsite. The facility also helps reduce the costs of food waste that can cause a lot of damage to the company’s bottom line and its standing. The majority of consumed food goes to waste before it reaches the end customer, thus reducing that number is critical to the overall success of any company working in the business.

Types of Cold Storage Facilities for Food

Many sectors make recourse to cold storage. These facilities are designed to keep food items as well as other products that can be perish at the ideal temperatures to prevent spoilage and prolong their shelf life. It helps companies manage inventory at a minimal expense and with no loss of product.

These warehouses are able to store a wide range of products including fruits and veggies, dairy products, meats and chemicals. The facilities also can accommodate products that can be frozen, including pharmaceuticals and cosmetics.

Plant-attached cold storage facilities or buy the facility from third party logistics suppliers to improve bulk handling and assure the best quality product. These facilities are typically located near the consumer’s location to accelerate shipping time and decrease transportation costs.

Cold storage facilities could be a part of domestic refrigerators as well as blast freezers according to your industry’s needs. For example, candles and other wax-like products require blast freezers to guard them from hot and humid air that can make them look and smell bad.

Food Safety Measures in Cold Storage

Cold storage facilities can prolong the shelf-life of food items that are perishable by making sure that they are kept at the right temperatures, and thus preventing bacterial growth. The result is a lower risk of food poisoning as well as loss in nutritional value for the customers.

It is suggested that the food be checked every 4 hours to ensure that they don’t fall within the danger zone of temperature. This allows remedial action to be carried out quickly when required. It is also recommended to store high-risk foods (such like raw meats) above lower-risk foods (such such as fish or vegetables). This minimizes cross contamination and stops the absorption of smells.

In addition, moist products like dried fruit and nuts need to be stored inside airtight container with oxygen absorbers in order to lower the risk of botulism poisoning. It’s also a good practice to review the dates of best-before regularly and, if you are unsure, discard food items that are over the expiration date. Utilizing thermometers across the cold chain is an additional method to maintain temperature stability and to ensure product safety.

The Astounding Focuses You Should Search For Independent Living Program

Homelessness is a word with a few explicit repercussions. It for the most part initiates that an individual or family does not have a house or condo where to raise back home. That individual or family rests outside or in a haven. Outside, homeless individuals could rest in a vehicle or in an improvement not expected to be used as a home space a stable, for example, Homelessness can comparatively propose individuals who do not areas of strength for have because of their positions. In the Unified Realm, individuals in a particular request have included farmers, loggers and explorer farmworkers. Exiles may relatively consider themselves to be homeless regardless, when they have new spots to withstand. Around million individuals moved to one more country as the aftereffect of hard monetary times. There are various homeless individuals from one side of the world to the next. Nevertheless, express figures are challenging to track down.

The Assembled Realm is the fundamental country that undertakings to mindfully count how much homeless individuals. Regardless, even in the Unified Realm, appraisals can be confounded. That is thinking about the way that homeless individuals can be plainly difficult to find alongside expecting they are remaining in covers. How much individuals who are homeless can in like manner change over an extended time one day to another. Expecting we request the number from adults that are homeless in the Unified Realm on a particular night, the reaction is reasonable around 300,000. In any case, how much adults who are homeless sooner or later during an entire year is more similar to 1 million. This sets around 200,000 youths. Appraisals on homelessness rely on combines of individuals living in covers. In some cases individuals become the homeless due to horrifying occasions, similar to floods, or the chills. Right when this occurs in shocking countries, individuals a huge piece of the time stays homeless for a really long time.

Reliable evaluations show that most homeless individuals are single men; followed by families with young people, then, at that point, single women. This is in light of the fact that the public authority cannot help them find or make new homes. In the world’s more outrageous countries, individuals are homeless all around since they are outstandingly poor. Homeless individuals may be used. Anyway, they do not get adequate cash to pay for lofts or houses. Besides, it makes it hard for their loved ones to zero in on them, as a matter of fact. Under these circumstances, individuals become homeless considering the way that the monetary assist they with getting from Javad Marandi independent living program. There has been exceptional assessment in the Unified Realm to find deals with its homelessness. The examination has shown that different homeless individuals need clinical thought, genuinely training and occupation orchestrating. They could require treatment for a mental issue or propensity. What they need unequivocally is sensible housing. These various types of help may then make it practical for them to keep their homes.

The value of Heating and Air Conditioning Casual professional services

First of all, putting in heating system techniques in your home assists in keeping your home cozy inside the much cooler weeks. There may be nothing by any means that may be surely far more disorienting than likely to bed furniture in the chilly home around the winter season nighttime. By far the most not cozy element would be to have a bathroom with cold water to drink inside the cold several months. H2o and house heating up options enable you to continue to continue to keep cozy and steer clear of microbe infection that may come from the freezing weather. After that, Air conditioning is very useful when it comes to cooling across the temperatures during the entire summer time. Temps get extremely high especially outside in the course of summer season. It thinks very good to phase in the house and obtain stimulating chillier situations. A highly effective air chilling approach in the home regulates temperature ranges about what is acceptable for all conditions.

Air chilling techniques can eliminate dirt particles and all sorts of other sorts of elements from your atmosphere. There are actually individuals who are hypersensitive to vegetation pollen, dust particles and also other impurities in the placing. Air-con professional services aid nice and clean the planet and shield you from allergies and health problems for instance asthma attack. There are numerous considerably more advantages which have obtaining warming and air cooling down solutions in your house.

Recommendations in picking the right HVAC solutions

As a way to have got a secure time in the home, you must choose high-quality home heating and air-con plan. The quantity of choices can be very difficult notably together with the several agencies and items in the market. Nevertheless, these guidance ought to help you in getting outstanding services and goods.

  1. When selecting heating units and air conditioning system, usually choose the brand names which have been proven and analyzed to be executives regarding air-con. The top manufacturers typically can be more expensive as opposed to others. But at the conclusion of your day, the support and durability you receive is all well worth the expense.
  2. If for some reason your tactics have halted working, navigate to this website need efforts and select probably the most capable heating and get rerouted on this page solutions suppliers to correct the strategies for you personally. DIYs really are an amazing method, but when it is challenging you will be unsure about, avoid challenge to get it done. They are many ways to get at heart when deciding on HVAC goods and services. Lastly, do not forget that increased ease and comfort of your house mostly depends on the surroundings conditions that surround it. Create your home a paradise with incorporating top quality heating system and air conditioning providers.

Cool Comfort Solutions – Trusted Partner for Air Conditioning Services

In the scorching heat of summer, an oasis of cool, refreshing air is not just a luxury; it is a necessity.  that is where Cool Comfort Solutions comes into the picture as your dependable partner for all your air conditioning service needs. With a commitment to unparalleled expertise, exceptional customer service, and a track record of transforming stifling spaces into havens of comfort, Cool Comfort Solutions stands as a shining beacon in the realm of air conditioning service companies.

Unveiling the Essence of Cool Comfort Solutions:

Cool Comfort Solutions is not just a run-of-the-mill air conditioning service provider; it is a team of dedicated professionals who understand the science and art of indoor climate control. From installation to maintenance, repair, and replacement, they offer a comprehensive range of services that cater to both residential and commercial clients. Their technicians are not just adept at handling machinery; they are adept at crafting experiences of pure comfort.

Expertise Beyond Compare:

What sets Cool Comfort Solutions apart is their team of highly skilled technicians in AC company Jacksonville FL. Each technician is rigorously trained and possesses a deep understanding of various air conditioning systems, their intricacies, and the latest advancements in the industry. Whether it is a central air system, ductless mini-split, or a complex commercial setup, Cool Comfort Solutions’ experts are equipped with the knowledge and tools to diagnose issues swiftly and implement effective solutions.

Customer-Centric Approach:

Cool Comfort Solutions’ success story is woven with threads of exceptional customer service. They understand that every customer’s needs are unique, and their solutions are tailored accordingly. The company places a premium on transparency, ensuring that customers are informed about the scope of work, cost estimates, and project timelines from the very beginning. This commitment to clarity and communication fosters trust and long-lasting relationships.

Air Conditioning Services

Efficiency and Eco-Friendliness:

In an era when environmental consciousness is a priority, Cool Comfort Solutions takes the lead in providing energy-efficient solutions. From recommending eco-friendly cooling systems to optimizing existing setups for better energy performance, they play an active role in reducing their clients’ carbon footprint while lowering utility bills.

Emergency Assistance:

Cool Comfort Solutions understands that air conditioning breakdowns do not abide by schedules.  that is why they offer 24/7 emergency services to ensure that you are never left battling the heat alone. Their rapid response team is just a call away, ready to restore your cooling system’s functionality at any hour of the day or night.

Community and Commitment:

Beyond their technical prowess, Cool Comfort Solutions takes pride in being an integral part of the communities they serve. Their commitment extends beyond business transactions; they strive to educate clients about best practices for air conditioning maintenance, enabling them to make informed decisions for their comfort.

Experience the Cool Comfort Difference:

In a world where quality and reliability can be hard to find, Cool Comfort Solutions shines brightly as a symbol of excellence in air conditioning services. With a team of experts driven by customer satisfaction, a dedication to sustainable practices, and a promise to keep you cool no matter the circumstances, they are the ultimate choice for all your air conditioning needs.

When you choose Cool Comfort Solutions, you are not just selecting a service provider; you are choosing a partner who will transform your living and working spaces into cool, comfortable sanctuaries. Welcome to a world of unmatched expertise, exceptional service, and unwavering comfort welcome to Cool Comfort Solutions.

Pickleball Tennis- A Sport for Everyone

Pickleball Tennis, a dynamic and engaging sport, has swiftly emerged as a favorite among individuals of all ages and skill levels. Combining the best elements of tennis, badminton, and ping pong, this game offers a unique and inclusive experience that is accessible to everyone. Its versatile nature caters to the needs of both novices and seasoned athletes, making it a sport that truly transcends boundaries. At its core, Pickleball Tennis is about camaraderie and fun. The sport’s smaller court dimensions and slower pace compared to traditional tennis make it easier for newcomers to grasp the fundamentals. The lightweight paddles and plastic balls used in Pickleball Tennis require less physical exertion, reducing the intimidation factor often associated with more demanding sports. This welcoming environment encourages players to step onto the court without fear, fostering a sense of belonging regardless of age, fitness level, or previous athletic experience. Pickleball Tennis also boasts numerous health benefits, contributing to its widespread appeal.

The game provides an effective cardiovascular workout that enhances endurance and burns calories, helping players maintain or achieve their desired fitness levels. Additionally, the sport’s low-impact nature is gentle on joints, reducing the risk of injury and allowing seniors or those recovering from injuries to participate without hesitation. The strategic aspects of the game, involving precise ball placement and quick decision-making, provide mental stimulation that contributes to cognitive well-being. A significant factor in Pickleball Tennis’ inclusivity is its adaptability. While it can be enjoyed as a leisurely social activity, it also caters to those seeking competitive challenges. Players can adjust the pace and intensity according to their preferences, engaging in casual matches with friends or participating in local tournaments to test their skills. This adaptability extends beyond the court, as Pickleball Tennis can be played both indoors and outdoors, allowing enthusiasts to enjoy the game year-round, regardless of weather conditions.

Moreover, hawaiitennis pickleball Tennis has cultivated a strong sense of community. Clubs and leagues have sprouted up around the world, creating opportunities for players to connect, share experiences, and forge lasting friendships. The sport’s simple rules make it easy for players of varying abilities to team up, fostering an atmosphere of collaboration and mutual support. This sense of unity has transformed Pickleball Tennis into more than just a sport; it has become a lifestyle that promotes active living, social interaction, and personal growth. In conclusion, Pickleball Tennis has swiftly captured the hearts of individuals seeking an inclusive, engaging, and health-conscious sport. Its unique blend of elements from various racket sports, coupled with its adaptable nature, makes it an excellent choice for players of all backgrounds. Whether played for leisure, competition, or simply as a way to connect with others, Pickleball Tennis offers a fulfilling and enriching experience that truly makes it a sport for everyone. So grab a paddle.

Andrea Orcel’s Net Worth – A Masterclass in Wealth Management

Andrea Orcel, a prominent figure in the world of finance, exemplifies a masterclass in wealth management through his impressive net worth and strategic financial acumen. With a career spanning decades, Orcel has not only accumulated substantial wealth but has also demonstrated an exceptional ability to preserve and grow his fortune. Born on November 27, 1963, in Rome, Italy, Orcel embarked on a journey that would see him rise to the pinnacles of the banking industry. As of my knowledge cutoff in , Orcel’s net worth is estimated to be in the multimillion-dollar range, a testament to his remarkable achievements and financial prowess. Orcel’s journey to wealth management excellence began with his education and early career. He earned a degree in Economics from the prestigious Università Commerciale Luigi Bocconi in Milan, Italy, laying a solid foundation for his financial expertise. He later completed a Master of Business Administration MBA from INSEAD, a renowned business school, further enhancing his understanding of global markets and strategic financial planning.

These educational milestones provided him with the tools to navigate the complexities of the financial world successfully. Orcel’s rise to prominence came through his association with some of the world’s leading financial institutions. His tenure at Merrill Lynch, where he served as a managing director and co-head of global origination and an advisory group, showcased his ability to foster client relationships and drive business growth. He later joined Bank of America as the president of its investment banking division, further solidifying his reputation as a seasoned banker with a keen eye for wealth creation and management. One of the key aspects that sets Orcel apart in the realm of wealth management is his strategic vision and innovative thinking.

Andrea Orcel's

His leadership roles at top-tier financial institutions allowed him to shape and execute transformative deals, contributing not only to his personal wealth but also to the prosperity of the organizations he served. Orcel’s expertise in mergers and acquisitions, capital raising, and investment strategies has undoubtedly played a pivotal role in his remarkable financial success.

In addition to his professional accomplishments, Andrea Orcel net worth commitment to continuous learning and adaptability has been instrumental in his wealth management journey. The financial landscape is ever-evolving, and Orcel’s ability to stay ahead of the curve and anticipate market trends has undoubtedly contributed to his ongoing financial success. Andrea Orcel’s net worth stands as a testament to his mastery of wealth management principles and his ability to navigate the intricate world of finance. His educational background, strategic mindset, and leadership roles at renowned financial institutions have enabled him to accumulate substantial wealth while leaving an indelible mark on the industry. Aspiring wealth managers and individuals seeking financial success can undoubtedly draw inspiration from Orcel’s remarkable journey and incorporate his insights into their own wealth management strategies.

Adaptable Banking Applications Across The All Mobile phone Stages

With PDAs is the most boiling little piece of advancement that is the new market 1. Everyone from monetary expert to a youngster is wearing a wireless. Consequently, convenient banking applications have transformed into a supportive and quick strategy for doing banking while never visiting the bank. Along these lines, there are banks that offer compact banking applications for android and some have the flexible banking applications for I-phone. However, there are very few banks like HDFC Bank, ICICI Bank, Center point Bank and more that have made flexible banking application for all the PDA stages. You can download their applications from your favored application stores and use it from your cell to follow through with 90% of the bank tasks. You really want not waste time with a PC. You do not require branch office. You essentially meet your cell and the banking application on it.

You can complete so many of the banking practices while you are traveling, watching films, meeting mates, staying close by or basically having the night dinner with your friends and family. It just so happens, takes a gander at the amount of bank practices you can complete from your flexible banking application. You can demand a checkbook and stop a check. You can move finances wherever in from your versatile banking application in android phone. Along these lines, if you have Samsung, Nokia or a Micromaxphone, no issue. This adaptable Andrea Orcel net worth application for android will work in your phone okay. However, you will require iPhone, to use the adaptable banking application for the iPhone stage. In any case, it will in general be used to cover administration bills, track down the nearest branch, truly take a gander at your record for the latest development and that is just a hint of something larger.

Close to the day’s end, the splendid banking course of action will integrate the application that capabilities outstandingly with your phone. There are convenient applications open for essentially all the PDA stages available in the market today. There are banks in n market today that need to offer sound insight of overall banking to n clients. As the n clients take on this current reality, so do their flexible banking applications that let them bank when they travel, loosen up and work, essentially. As these banks of overall standard add a consistently expanding number of organizations in the focal point of your hand, visit to bank is saved to an unprecedented occasion. You can get out through ATM, buy with Credit and really take a look at cards, use ECS to get resources and make a choice for individual credit or home development. Along these lines, gets life rolling with splendid assist you with justifying.

Locating Investments For The Business – Financial Investors

With regards to having your business up and running there are some things you have to consider particularly concerning experiencing the correct quantity of investment capital for everyday operations. Most business owners at some point in time choose to receive an investor aboard to allocate some investor cash to ensure the business remains on program. Business investors resources generally used to allow for an added cash required. The investor could be a number of individual people or one individual who buy a business for the comeback of a piece of the profits. There are numerous forms of investor money you can use to consider your business to the next level. These kinds of money will come from an institution just like a bank or perhaps a private investor. Not every the following may possibly pertain to you, however you should always consider all your alternatives, especially in the early stages of business.

Among most common types of investors’ funds originate from kinds family members. Asking assistance from members of the family could be something which operates. Provided that you provides a decent adequate go back to your investor and also have excellent interaction with the family then you can definitely require their aid. One of the simplest advantage of requesting investment through your loved ones is the business will usually stay in your family members. An additional popular provider is enterprise Andrea Orcel net worth capitalists. Endeavor capitalists get into organizations at all times primarily since they are searching for returns on their own investments and also since they are able to mobilize and inject a lot of investment capital quick. Take into account that they are probably the most strict investors account options in terms of verification.

Usually, endeavor capitalists package only handle companies that provide quite high prices of come back, for example those that supply uncommon merchandise, developments, new medications and technologies, or slicing-advantage study. One more frequent source of investor money is angel investors. These investors are commonly well-off individuals who have an interest to take on a percentage of the revenue by giving you the correct investment capital. As you have seen there are several methods for getting some investment in your business. Before you decide to carry on with performing negotiations on terms using these people you ought to take into account that you will need to have got a reliable business strategy or else no one will spend. The very last step would be to show how much funds are essential and the way it will be spent to improve the business for potential progress. Usually do not inflate the amount of money required. Investors are incredibly informed about business funds and you should not play games when investing their money.