Author Archives: Kame

What Tax Implications Should Seniors Be Aware Of?

As we step into our golden years, money matters can change a lot. We might be figuring out retirement savings or thinking about living in retirement communities. What’s important is that we understand how these decisions affect our taxes. Let me break down some key tax points you should remember as seniors.

Retirement Account Withdrawals

As we age, it’s time to dip into our retirement accounts like 401(k)s and IRAs. But the tax rules for these can be kind of tricky. Traditional 401(k)s and IRAs are ‘tax-deferred,’ which means you pay as ordinary income when you take money out. 

The age at which one must begin these mandatory withdrawals, known as Required Minimum Distributions (RMDs), is currently 72. Missing them has big penalties ahead. In contrast, Roth IRAs, funded with post-tax dollars, allow for tax-free withdrawals in retirement, given specific conditions are met.

Social Security Benefits and Taxes

A lot of seniors rely on Social Security for a big chunk of their retirement cash. But here’s what you need to know: some might be taxed based on your total earnings. 

Your ‘combined’ income includes your wages, interest that’s not taxable, and half of the social security benefits. If these add up beyond $25K as a single tax filer or $32K when married filing together, then seniors could take their share from about 85% of the portion out there in federal taxes.

Property and Estate Taxes

Property tax isn’t going anywhere. Some states do give seniors a break based on age or income, but you’ve got to check local rules and your eligibility first. As we get older, thoughts turn more often towards what happens after us; estate planning is key here. 

While there’s a hefty federal exemption for estate tax, keep an eye out for possible state-level taxes with lower limits. A good solid plan can help dodge these taxes, ensuring hassle-free transfer of stuff to the next generation.

Medical Expense Deductions

Healthcare can get pricier as we clock up the years. Here’s a bright side, though. Older folks might be able to write off more of these costs on their taxes. If you list your deductions, any medical expenses over 7.5% of what you earn could potentially shave down your tax bill. 

These include stuff like insurance premiums not paid by work or government, prescriptions, and long-term care services. Remember, keeping good track of all those bills may save us big time in tax land.

Conclusion

To wrap up, figuring out taxes as a senior can be tricky but important for our wallet’s health. By keeping track of how retirement account withdrawals, Social Security checks, and medical costs affect your tax bill. Seniors could really get smarter with money. It means saying cheers to more carefree golden years!

Raptor Roofing & Restoration: Unparalleled Excellence in Colorado Springs and Castle Rock

When it comes to protecting your home from the elements, few things are as crucial as a sturdy, reliable roof. Whether it’s rain, hail, or snow, your roof is your first line of defense against nature’s forces. In the beautiful regions of Colorado Springs and Castle Rock, where the weather can be both breathtaking and challenging, finding the right roofing and restoration company is of utmost importance. That’s where Raptor Roofing & Restoration steps in – a company that has been consistently delivering unparalleled excellence in roofing services.

A Legacy of Trust and Quality

Raptor Roofing & Restoration is not just another roofing company; it is a trusted name in the industry with a legacy of exceptional service. The company has steadily grown and earned its reputation as a go-to roofing and restoration expert in the Colorado Springs and Castle Rock areas.

Expert Team of Professionals

One of the key factors that set Raptor Roofing & Restoration apart is its team of highly skilled Raptor Roofing & Restoration Colorado Springs professionals. The company boasts a workforce of experienced roofers who are not only adept at their craft but also passionate about delivering the best results for their customers. Their expertise spans a wide range of roofing materials and techniques, allowing them to handle various types of projects with finesse and precision.

Commitment to Customer Satisfaction

At Raptor Roofing & Restoration, customer satisfaction is at the core of their business values. The team understands that a happy customer is a loyal customer, and they go above and beyond to ensure each client receives personalized attention and top-notch service. From the initial consultation to the final inspection, the company keeps communication lines open, addressing any concerns promptly and transparently.

Quality Materials and Innovative Solutions

A roof is only as good as the materials used to construct it. Raptor Roofing & Restoration sources high-quality roofing materials from trusted suppliers, ensuring that each roof they build or repair withstands the test of time and the region’s harsh weather conditions. Moreover, the company keeps up with the latest advancements in roofing technology, providing its customers with innovative solutions that enhance the durability and efficiency of their roofs.

Comprehensive Roofing and Restoration Services

Raptor Roofing & Restoration offers a comprehensive range of services to meet the diverse needs of homeowners in Colorado Springs and Castle Rock. Whether you require a complete roof replacement, storm damage repair, or routine maintenance, the company has the expertise and resources to handle it all. Their services extend beyond just roofing, encompassing restoration and repair work for siding, gutters, and windows, ensuring that your entire home remains in top condition.

Dedication to the Community

Beyond being a leader in roofing and restoration, Raptor Roofing & Restoration takes pride in being an active member of the community. The company understands the importance of giving back and supporting local initiatives. Through various charitable endeavors and community outreach programs, Raptor Roofing & Restoration exemplifies a company that cares not only for its customers but also for the greater good of the neighborhoods it serves.

When it comes to protecting your home and ensuring its longevity, Raptor Roofing & Restoration stands out as the clear choice in Colorado Springs and Castle Rock. With its legacy of trust, commitment to excellence, and dedication to customer satisfaction, the company continues to raise the bar in the roofing and restoration industry. If you’re looking for unparalleled service and peace of mind, look no further than Raptor Roofing & Restoration. Let them take care of your roof, and you’ll experience the confidence that comes with knowing your home is in the hands of true Raptor Roofing & Restoration Castle Rock roofing experts.

Three Elements of Domain Names Explained

As virtually everyone has an online presence now – museums, senior living facilities, supermarkets, college students, fashion houses – domain names play as crucial a role as phone numbers and other means of identification without which no website can be readily found on the internet. Beyond that, the wrong domain name includes consequences like alienating an entire audience and brand reputation damage. 

How does it work? A domain name is composed of multiple elements that work together to create a different online identity every time. Here are three essential elements of domain names explained. 

Top Level Domain 

The Top Level Domain (TLD) is the most popular part of the domain name; the final section of text so that in the name example.com “.com” is the TLD. 

Also known as a domain extension the function of the TLD is to identify a website into categories like purpose, owner, or geographical location. The Top Level Domain is further divided into categories including generic top-level domains (gTLDs), sponsored top-level domains (sTLDs) supervised by private organizations, country code top-level domains (ccTLDs) for specific countries or territories, and unofficial top-level domains not regulated by the Internet Corporation for Assigned Names and Numbers (ICANN) and instead there to accommodate Web3 and blockchain technology. 

Thus, some examples of TLDs are:

  • .com – commercial site 
  • .org – organization 
  • .net – network 
  • .info – information platform 
  • .edu – educational institution 
  • .gov – governmental agencies 
  • .eth – Ethereum ecosystem

Second Level Domain 

The Second Level Domain (SLD) is the section of a domain name text that comes before the TLD so that in the name example.com “example” is the second level domain. 

Also known as the domain prefix, it’s typically the name of the website, business, or organization and what people type into search engines to locate a site. Besides the three SLDs reserved by The Internet Assigned Numbers Authority (IANA) – example.org, example.net, example.com – pretty much any appropriate name can be chosen as long as it’s available; and because it’s the most memorable part of any domain name, it’s chosen quite seriously by virtually every business, organization, or individual. 

For example, before Amazon.com was settled on, the corporation was known as Cadabra, Inc. However, after a lawyer misheard Cadabra as “cadaver” over a phone call, Jeff Bezos, knowing the function of a SLD, changed names. 

Subdomain 

As the name implies, the subdomain is the optional section of a domain name typically appearing before the SLD and TLD so that in the name members.example.com “members” is the subdomain. 

The function of a subdomain is to separate sections or subdirectories in a website so that the purpose of members.example.com as a subdomain of example.com is access to a members-only section. 

Other examples of subdomains are:

  • blog.example.com – blog section 
  • shop.example.com – store section 
  • support.example.com – customer support section 
  • mobile.example.com – mobile version section 
  • community.example.com – forum section 

Domain names are a key part of any online presence so understanding its elements and how it all works is a good idea. 

3 Things You Should Know Before You Race Cars

Racing cars is a very exciting and fun sport, and for many a lifelong passion! There is speed involved, along with a little danger and anticipation, and many great friendships to be made. The race cars themselves are spectacular machines, so it is no surprise that people spend their entire lives studying them, working on them, or collecting them. 

Of course, as with any sport, hobby, or profession, there are a few things you should understand before you get into racing cars. Whether you have an adventurous spirit and this is something you might be into, or is a serious consideration and a path you’re already on, here are 3 things you should know before you race cars. 

You May Not Be Able To Do It Forever

While you can participate in the collector’s aspect of racing cars for your whole life, unfortunately, if you are racing cars professionally you may need to retire early. Even if it’s just a hobby, as you start getting older you may begin to realize that the sport is just too difficult on your body and you may have to quit before you want to. 

Luckily you can continue to watch races when they are televised, or even go in person to see them! You will also be able to pass on your passion to your children or grandchildren and encourage them to partake one day as well.

There Are Risks Involved

Of course, as with anything that’s worth doing, there are some risks to racing cars. As long as you know and understand these risks ahead of time and do what you can to prepare for them, you’ll be just fine. Safety in the racing community is at an all-time high because people have been able to learn from past mistakes and make corrections so that safety standards are higher than ever before. 

You Need To Be Able To Drive A Manual 

A race car is a beautiful work of art, and being as such it is built much differently than your average vehicle. Because of this, you need to have a deeper understanding of how the car works so that you can really be in tune with it. 

Learning to drive a manual transmission is important because it helps you to really understand all of the inner workings of the car. Most modern race cars use paddle shifters rather than a standard stick shift you will find in your everyday car, but still, having knowledge about how transmissions work will aid you in becoming a better race car driver. 

Racing cars is truly a dynamic hobby or career that will be around forever and continue to evolve. It is something you can enjoy alone or with the whole family, and will always get your adrenaline up and put a smile on your face. Just make sure you know these things first and you can embark on your racing journey! 

4 Tips for Buying a Family-Friendly Car

A car is an important asset to acquire especially when you have a family. It provides comfort and safety for your loved ones whenever you’re on the road. However, it’s not as easy to figure out which car is best for the family as you’d think. 

Here are four tips to help you.

Size

The exact size of your family should play a significant role in determining which car is best for you. A family of 4 will need a different car size than a family of 8. 

Then, factor in comfort. For instance, a smaller car might work for a family of 4 if you only use it for short trips. But, a larger car will be more comfortable and have more space for activities on long trips, like visiting grandparents in assisted living facilities.

Here’s how to gauge the size and comfort level of potential cars:

  • Sitting in the car and getting a feel for the space is crucial. If you have young kids, bring along their car seats to get an accurate idea of how much space you’ll have.
  • Look at the passenger and cargo volume. These numbers will tell you how much space is available in the car.
  • Check out the backseat. Many newer models have features like reclining seats, which can make the backseat more comfortable for passengers.

Type of Car

The type of car you choose will also play a role in how family-friendly it is. 

For instance, if you have young kids, a minivan or SUV might be your best bet. They typically offer more safety features than sedans. 

So consider your needs. If you frequently transport large items or drive in off-road conditions, an SUV might be a better choice. If you want better gas mileage a sedan could be the right fit.

Safety Features

Safety is non-negotiable when it comes to choosing a family car. 

You need a car that will protect your loved ones in the event of an accident, so make sure to check every single car for the right features.

Here are some car safety features to look for:

  • Anti-lock brakes.
  • Stability control.
  • Traction control.
  • Airbags.
  • Child safety locks.
  • Lane departure warning.
  • Seat belts.

Price

Of course, you’ll also need to consider your budget when choosing a family car. 

Cars with more space and safety features will typically cost more than smaller cars.  The make, model, and year will also influence the price.

Thankfully, there are ways to save on your purchase. For instance, you might be able to get a discount if you purchase at the end of the year.  You can also look for cars that offer incentives, like cash back or 0% financing.

With these tips in mind, you’ll be well on your way to finding the perfect car for your family. Remember to take your time and consider all of your options to ensure you make the best decision for your loved ones.

Wergs Automotive is Proud to Be an Award Winner For Sarasota Out Award for Favorite Auto Dealership

Brandon Wergelis is the proud owner of Wergs Automotive in Sarasota. Mr. Wergelis is proud of his business and everything that he has accomplished. One of the things that makes him even prouder than he already is is receiving recognition within the community. Recently, Wergs Automotive won the Sarasota Out Award in the Favorite Auto Dealership category. Read on to learn more about Mr. Wergelis’s business and this prestigious award.

How Did Wergs Automotive Get Started?

Brandon Wergelis got his start in the automotive industry nearly 12 years ago, when he was in just 10th grade. He started a business called Brandon’s Auto Detailing. At first, he started doing the detailing business for friends and family, but his business quickly expanded and he was working on weekends, holidays and in the evenings. It was then that he saw a need for this type of business and he decided that this was something that he wanted to do for a living. While still running his own business, Brandon Wergelis decided to take a traditional job and oversaw the detailing department for another automotive business. He learned a lot about the industry he did not already know and was then able to use this information to start his own business. In 2017, he finally started Wergs Automotive in Sarasota, Florida, a company that focuses on detailing, paint correction, and ceramic coating. As of 2019, the company has expanded and now offers vehicle sales, consignment, storage, as well as rental vehicles. Mr. Wergelis hopes to continue expanding his business until he becomes a one-stop shop for all of your automotive needs.

What Services Does Wergs Automotive Offer?

Wergs Automotive and Detailing Services in Sarasota offers a large number of services. One of the services that the company offers is detailing services. This includes both interior and exterior detailing services. Detailing helps your car to look as good as possible, making it look as new as possible. Paint correction is another service that Wergs Automotive offers. If you have chips, scratches, or fading paint, paint correction can be used. Ceramic coating and PPF are also offered. Coatings help to protect your car against paint damage. One of the newest services that are offered by Wergs Automotive is buying and selling vehicles. The company offers consignment services for those who want to sell their own vehicle, as well as buying your unwanted vehicles, preparing them to sell, and then selling them.

What Is the Sarasota Out Award?

Sarasota Out is a company that is focused on the LGBT+ community. The company offers a weekly newsletter as well as updated information on its website. While the company is primarily designed to provide event information for those in the community, the website also takes the time to highlight businesses within the community that helps to positively impact Sarasota’s LGBTQ community. Companies are showcased, and then, at the end of the year, the community votes on which companies should receive an award within specific categories. Wergs Automotive was nominated and won the 2021 Sarasota Out Award for Favorite Auto Dealership within the LGBTQ community. This is a huge deal for Brandon Wergelis as this is an award that regular, everyday people vote on. Mr. Wergelis loves his work, but he is so proud of the work he does in the community as well, and this award showcases that work.

Brandon Wergelis may be fairly young, but he has already created a successful business. He has always had a love for automobiles, and Wergs Automotive allows him to combine his passion and his career. While he is always proud of everything that he has accomplished with his business, it is always nice to receive recognition, especially from the community. This is why Mr. Wergelis is so proud that his business is a 2021 award winner in the favorite auto dealership category from Sarasota Out. If you are in need of any detailing, paint correction, or paint coating services, reach out to Wergs Automotive and Detailing Sarasota to schedule an appointment.

3 Tips For Setting Up A Shop On Your Property

For those who love working on cars but don’t feel like they get the opportunity to do it as much as they might like, having their own shop on their property could be a great way to give yourself space and access for working on cars. However, setting up this kind of space can be challenging.

To help you with this, here are three tips for setting up a shop on your property. 

Determine If You Really Need Your Own Shop

While you might like the idea of having your own shop on your property, you first need to determine if this is even something you need or can reasonably achieve for your circumstances. 

For many people, having the space to put up a shop or renovate your own home or an outbuilding into a shop may not be a possibility. But luckily, there are so many more options for spaces to work on a car than with your very own shop. 

If you live in an area that has a lot of empty outdoor space, you can easily work on your can in any of these wooded areas. Additionally, working on your car in a parking lot or parking garage might be an option. Or, if you know someone who has a garage, you can ask if you can borrow or rent out the space when you have some projects that you’re wanting to work on with your own vehicle. 

Give Yourself More Room Than You Think You Might Need

If you are able to make it work to have your own shop on your own property, one of the most important things you need to consider is space. 

While you might like to think that you can just work on your car in the corner of your garage, it’s wise to actually plan to use more space than you think you might need. When you consider not only having to have your body around the car but also that you’ll be needing to bring tools and equipment into and out of the space, you’ll want to make sure that you have enough elbow room to maneuver things without feeling cramped. 

Stock Your Shop With Safety Equipment

As you’re working to get your shop setup and ready for you to begin working on your cars, you’ll want to equip your space with not only the tools that you’ll need to make any necessary repairs, but you’ll also want to stock your shop with proper safety equipment.

With all the heavy lifting you’ll likely be doing, you’ll want to have emergency and first aid supplies on-hand just in case something happens. This way, you can feel safe while working in this space. 

If you’re wanting to set up a shop on your property so you can work on your cars, consider using the tips mentioned above to help you get started. 

Money lending trends in Singapore

It just released new fintech tools to help with the implementation of mobile payments. Microfinance and super apps are also receiving tech support from the tech behemoth. These technologies were announced at the recent Huawei Connect 2021, along with eleven other digital advancements for the energy, transport, manufacturing, and public sectors. Here are three ways that technology could change the fintech sector in Singapore and the region.If you want to know more then try being good at money lending in Singapore.

1. Mobile payments

China has long reigned supreme in the field of mobile payments.According to Daxue Consulting, more than 776 million users sent money with a tap or swipe on their phones in March 2020.China outperforms the next three countries on the list by a wide margin.Nearly 80% of the population uses mobile payments.According to data from the People’s Bank of China, South Korea is second with 32.8 percent and India is third with 29.6 percent.Huawei is working to close the gap in other countries. Its new mobile payments technology has aided Myanmar’s largest local bank in the development of a cloud-based digital wallet.The wallet has attracted more than 8 million users in just two and a half years.

2. Bringing users and funders together

The new fintech tools will direct consumers to institutions that offer the services they require. Banks can even create apps that connect consumers and merchants, allowing them to reach out to customers more quickly and at a lesser cost. These can be super apps or more specialized apps for small businesses. Banks will be able to offer more services, including microfinance, thanks to Huawei’s new tools. In Kenya, for example, the firm collaborated with banks and telcos to offer micro and small loans to individuals and small enterprises. This has contributed to a rise in financial inclusion in the country from 23% to 85%.

3. Everything is digital

Huawei believes that improving digital banking services is the first of two phases toward scaling up fintech. The cloud will be used to rehabilitate banks’ existing IT systems in the second phase. Its Digital Core can aid in the cloudization of middle and back-end services, enabling even more digital services. As banks reconsider how to serve their clients, this is critical, according to Cao Chong, President of Huawei’s Global Financial Services Business Department, Enterprise BG. Financial services must keep up with other elements of life that have gone online.

Therefore these are the top money lending trends that are happening in Singapore these days. Individuals and firms who are interested in money lending can try these techniques.

Exactly how to Quickly Have Your Vehicle Looked Into By Mechanics

Whether you are searching for preventive upkeep, a basic oil adjustment, or help with a certain concern, discovering the right mechanic to have a look at your auto can be a challenge. Recognizing how to quickly obtain an auto mechanic to take a look at your cars and truck can conserve you a great deal of time and money. Below are a couple of practical suggestions;

1. Online Search

A simple online search can help you find the best technicians in your area. On the net, you will certainly locate mechanics from all over.

Inspect on the internet reviews to differentiate good auto mechanics from those who might be less qualified. Overlook the best as well as worst testimonials as well as learn what the majority of people believe. You can look into company cars and trucks and fleets in your area. Considering that they utilize cars a whole lot, they are likely to advise a couple of credible auto mechanics.

2. Recognize the Anatomy of Your Vehicle

Knowing your vehicle increases your possibilities of obtaining the aid you need from a technician. According to the group of specialists at https://samechanic.com/, one of the most vital steps in the direction of locating a technician is taking out some time to recognize exactly how your cars and truck works.

Finding a credible auto mechanic is partially about your capability to keep them straightforward. Your very first line of protection is understanding the makeup of your auto.

3. Develop Solid Relationships Prior To An Accident

If you currently have a good technician in mind, begin promoting a great relationship with them before you have any cars and truck problems. If feasible, have them take a look at your auto regularly.

4. Seek Suggestions

A great way to conveniently get a technician to look into your automobile is through suggestions. Obtain recommendations from your good friends, family, or networks. Anybody you understand might assist you locate auto mechanics. Although on-line evaluations are great, referrals from people you understand and depend on can be also much better.

Ask your friends and family regarding the technicians they work with as well as their general experiences. Find out if their repair services were completed in time, whether the prices were reasonable, and also whether they can trust their technicians. The responses will certainly aid you decide.

Texas Elite Auto & Diesel specialize in auto repair, service, and restoration. TX Texas Elite Auto & Diesel is a full service Automotive Repair shop proudly serving San Antonio.

5. Get Price Estimates

Always get rate estimates from various auto mechanics before settling for one. Having a rough idea of the basic cost is beneficial. It minimizes your possibilities of paying greater than you require to. Think about making use of on the internet estimator devices prior to contacting a technician. Obtain your quotes in writing to prevent being stunned with substantial bills when you grab your car.

6. Focus on Certification

Licensed mechanics are most likely to recognize the issue with your automobile and solve it quick. Working with them makes it easy to obtain the assistance you need. Even though consumer recommendations and also reviews are wonderful, you constantly need a certified auto mechanic. Usage qualification to narrow down your options. It is an important factor to consider even when it isn’t needed in your state.

7. Conduct Meetings

When you have a few technicians in mind, conduct interviews to find the right one. By doing this, you can conveniently find help when you need it. Connect to your alternatives and also routine interviews. Crucial questions to ask during your meetings consist of:

– Do you use rate assurances?

– Just how much experience do you have?

– Do you supply warranties?

– Can you provide a shuttle bus service or a loaner vehicle?

Despite the fact that you can obtain these responses online, in person meetings enhance your possibilities of getting exact responses. If you can not set up an in person interview, perform them on the phone.

There are lots of wonderful mechanics out there as well as obtaining your cars and truck checked out is no much longer as hard as it made use of to be. Understanding exactly how to discover excellent mechanics is the surest means to make certain that you can obtain aid when you need it.

Top 5 Benefits of Using Right Fleet Maintenance Software

Appropriately managing a fleet of vehicles is a daunting task that comes with full of challenges. If you choose to do this through the manual process, you will observe lots of errors and irregularities. When it comes to managing a fleet of vehicles, the best solution is one that provides you with all the insights you need efficiently manage a fleet and make everything crystal-clear and straightforward to understand.

The right fleet maintenance software offers you the ability to track, monitor, and service all the vehicles on time and gives you in-depth information and up-to-date status of your fleet. By integrating good fleet maintenance software in your business, you can simplify and boost the efficiency of your fleet maintenance operations and improve the safety of drivers and goods

Let us check out the five key benefits of incorporating fleet maintenance software in your business.

1. Manage Fuel Costs

With each passing day, fuel is turning out to be expensive. Fuel is one of the substantial costs of running a fleet. If your company has many vehicles running on the road, it has to manage expenses related to fuel and maintenance to make every moment advantageous.  Fleet maintenance software offers you a complete translucent view of the needs that keep changing day after day. It will help you plan the best routes for the transportation of vehicles so that each operation consumes less fuel.

2. Real-Time Tracking

Using the right fleet management software offers you the real-time visibility of every vehicle in a fleet. Most of the time, vehicles carry precious goods and materials on them. A feet management company is responsible for the safe and timely delivery of goods. Without fleet maintenance software, managers are not able to track every vehicle and get real-time visibility details on a map. If you integrate a fleet management system with a GPS, it helps managers to check whether a particular automobile is going in the right direction and will deliver goods at the scheduled time or not.

3. Improved Driver Safety

Fleet management software not only helps in confirming every vehicle is in tip-top working condition, but it also ensures that people driving these vehicles are safe and moving on with safe and sound speed. It also helps managers calculate the real maintenance time of a vehicle as they have detailed information regarding it.

4. Crystal-Clear Reporting

If you are running a fleet company, you must get a variety of over-time metrics. It helps you to conclude whether fleet operations are delivering the maximum performance or not. The manual procedure of keeping records and maintaining them needs too much workforce; still, you will not get completely accurate results. However, by implementing a fleet management system, you get a foolproof tool to generate reports for all possible aspects in a matter of minutes.

5. Eradicate Frauds

A fleet management system automatically records all ins and outs and on and off times. Therefore, you will not need any handwritten sheets to maintain these records. There is no room for guesswork. It means there is also no chance of any fraud.

Wrapping Up

With the right fleet maintenance software, you can manage all your fleet and stay well versed with every second’s detail of each of the transportation operations. In summary, by investing and implementing fleet maintenance software in your company, you are investing in your company’s future. Some advantages come swiftly, others will take time, but the longer you wait, the farther ahead your competitors will be.