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“The risks of investing in Bitcoin”

Bitcoin, the world’s first and most popular cryptocurrency, has generated a lot of buzz in recent years. With its decentralized nature, limited supply, and potential to serve as an alternative to traditional currencies, many investors have been drawn to it as an investment opportunity. However, as with any investment, there are risks involved. In this article, we will explore some of the risks associated with investing in Bitcoin.

Volatility: One of the most significant risks associated with Bitcoin is its volatility. The cryptocurrency is known for its wild price swings, which can occur rapidly and without warning. For example, in December 2017, the price of Bitcoin reached an all-time high of almost $20,000, only to plummet to around $3,000 in just over a year. This kind of volatility can make investing in Bitcoin a risky proposition, especially for those who cannot afford to lose money.

Regulatory risk: Another potential risk associated with Bitcoin is regulatory risk. As Bitcoin is not controlled by any government or financial institution, it exists outside of the traditional financial system. This lack of regulation has led to concerns about money laundering, fraud, and other illegal activities. Governments around the world are beginning to take notice of Bitcoin and other cryptocurrencies, with some imposing restrictions or outright bans on their use. If regulators decide to crack down on Bitcoin, it could result in a significant drop in value.

Hacking and security risks: Bitcoin is stored in digital wallets, which are susceptible to hacking and security breaches. There have been numerous high-profile hacks of Bitcoin exchanges and wallets, resulting in the loss of millions of dollars’ worth of Bitcoin. If an investor’s wallet is compromised, they could lose all of their Bitcoin holdings. This risk is especially high for those who store their Bitcoin on exchanges or other third-party platforms.

Liquidity risk: Bitcoin is not as widely accepted as traditional currencies, meaning that it can be difficult to sell large amounts of Bitcoin quickly. This lack of liquidity can be problematic for investors who need to sell their Bitcoin quickly to access cash. Additionally, the decentralized nature of Bitcoin means that there is no central exchange where buyers and sellers can come together to trade Bitcoin, making it harder to find buyers or sellers for large transactions.

Market risk: Like any investment, Bitcoin is subject to market risk. The value of Bitcoin can be influenced by a variety of factors, including supply and demand, investor sentiment, and global economic conditions. If the market turns against Bitcoin, its value could drop significantly.

Ponzi schemes and scams: Bitcoin has been used as the basis for numerous Ponzi schemes and scams, with fraudsters promising high returns for investing in Bitcoin. These scams can be difficult to spot, and investors can lose their entire investment if they fall victim to them.

In conclusion, investing in Bitcoin can be a high-risk, high-reward proposition. While some investors have made significant profits by investing in Bitcoin, there are numerous risks associated with it, including volatility, regulatory risk, hacking and security risks, liquidity risk, market risk, and the potential for Ponzi schemes and scams. As with any investment, it is important to carefully consider these risks before investing in Bitcoin, and to only invest what you can afford to lose. Investors should also take steps to secure their Bitcoin holdings, such as storing their Bitcoin in a hardware wallet rather than on an exchange or other third-party platform.

Despite the risks, many investors believe that Bitcoin has the potential to be a valuable investment over the long term. As the world becomes increasingly digital and decentralized, Bitcoin and other cryptocurrencies may become more widely accepted as a form of payment, and their value may continue to rise. However, investors should always remember that investing in Bitcoin is not without risk, and they should carefully weigh the potential rewards against the potential risks before making any investment decisions.

Buying bitcoin can seem daunting at first, but with a little research and preparation, the process can be relatively simple. Remember to take your time and choose a reputable exchange and wallet, and be sure to verify your identity before buying. With the right tools and a little bit of knowledge, you can be on your way to owning bitcoin in no time.

Have some spare cash to invest in Bitcoin?

Then check out the coinbase, a well-established crypto-exchange. Coinbase makes it easy to buy and sell bitcoin. Check it out here:

https://coinbase.com/join/gochwv

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Things you should do to avoid being scam

Written by R. A. Stewart

Millions of dollars are lost each year to internet scams, there are steps which you can take to avoid becoming the next victim. 

  1. Do not use your main email address you use for your banking to register for a crypto exchange such as Coinbase, blockchain, and kraken.

The reason being that there are so many crypto scams about that you do not want to expose your banking details to these crooks and this is what can occur if they have access to your email address.

  1. Do not sign up for social media or other sites with the same gmail account you use for your banking and cryptocurrency.

This could put your account at risk if you unknowingly sign in to a fake account which has happened. 

  1. Do not sign in to your crypto account using a link in an email. You just do not know who you are dealing with online.
  2. Do not link your savings bank to your debit card on any site.

One person I know did this on a website he bought stuff from. (it was not Ebay, Amazon, or Trademe). What happened was that the website itself was hacked and the scammer had access to his banking details. He saw $3,000 go missing from his savings account.

My advice to him was to never link his savings account to his debit card and to deposit larger sums of money in an account which is not linked to the internet.

  1. Do not use the names of your pets as a password

A scammer can use what they know about you to guess your password and all they need to do is to browse through your social media profile. It is important not to accept just anyone who sends you a friend request.

What you must do

  1. Contact your bank immediately if there is a suspicious transaction on your account.
  2. Change your password if you think it has been compromised
  3. Use two factor authenticator (2FA)
  4. Send all suspicious emails to the junk folder.
  5. Do take responsibility for your mistakes.

Facebook scams

Facebook is being used by scammers to find victims and the most common method is to send friend requests to people. Men, in particular, are targetted; if you are a man and receive a friend request from a young lady, then here are the signs that it is from a scammer;

  1. She only has a few Facebook friends herself.
  2. She is over 30 years younger than you are.
  3. She is scantily dressed.

You can decline such a request and she will be unable to contact you again. Make sure you have your Facebook settings as private so that only your friends can see what you have posted.

Do not even engage in any conversation with these people.

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Attention Men: Don’t let Dating Scams Destroy your Retirement Plans 

Attention Men: Don’t let Dating Scams Destroy your Retirement Plans 

Written By R. A. Stewart

Millions of dollars are lost to romance scams every year and the target of these scams are older men. This is understandable, because retired men are likely to have built their assets up by the time they reach a certain age. 

If you are at that age when you are making yourself available for dating, just be careful because not everyone who joins a dating site is looking for romance, some are scammers who are searching for potential victims. 

If you are contacted by a lady who says she is looking for a marriage-minded man then there are some telltale signs which will indicate that she is not who she says she is and rather than finding a place in your heart she has her eye on your bank account.

Here are the main indicators of a scammer:

  1. She is about 30+ years younger than you and claims that age difference does not matter.
  2. She claims she is from a European country and is working in Africa as a nurse or school teacher.
  3. She claims that she is Christian but the contents of her letter/email do not line up with Christian values.
  4. She does not dress modestly (that is putting it mildly)
  5. She asks you for money.

The fifth one is a sure sign that you are dealing with a scammer.

Once she has gained your trust she will then make up excuses for why she needs the money.

This unfortunate lady will create circumstances why she needs the money, here are some:

My late father has died and I have no money to bury him.

My child is sick and I need money for medical expenses.

I need money for the plane ticket to meet you, etc, etc, etc.

Be aware of anyone who tries to make you feel guilty in order to get you to send them money.

If she says, “If you don’t send me money, my child will die.”

What human being wouldn’t want to help someone in this unfortunate situation?

Most people will feel guilty if they do not do as the lady suggests.

She is using what is known as, “Manipulation by guilt.” It is when someone tries to get you to do something by making you feel guilty.

There is one message for all men: “Don’t give in to any kind of emotional blackmail.” 

As far as dating websites are concerned, there is no shortage of options. It is important to choose a site which is based in your own country or at least a country which has laws that protect consumers.

Don’t sign up to any site which asks you to pay to send messages. What you will be doing is communicating with women who are being paid by the site owner to correspond with men.

Losing money to fraud is both emotionally and financially damaging for victims, even more so when someone you thought you could trust is the scammer. Heartless criminals are taking advantage of people looking for a life.

About this article: You may use this article as content for your blog or ebook. Read my other articles  on www.robertastewart.com

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Financial Freedom After 60: The Best Investment Options for Seniors

Written by R. A. Stewart

 

Your age is a crucial factor in establishing your savings and investing strategy. Your 20s, 30s, 40s, and 50s are your savings years. It is these years when you build up your assets. 

Your 60s and 70s can be considered your spending years. It is when you tick off items on your bucket list while you are able to.

That does not mean that you do not have to work, a lot of older people are taking this option, not because they cannot make ends meet on their pension, but because they enjoy what they are doing.

In New Zealand, retirees will have access to their kiwisaver account once they reach the age of 65. Money invested in kiwisaver will be in growth, balanced, or conservative funds. Most people during their working life opt for growth or balanced funds.

It is time to decide whether to stay with the status quo or invest in more conservative funds. 

Your age and your health are the two most important factors in deciding which fund to invest your money in. 

Older people do not have time on their side to overcome financial setbacks such share market falls and so forth, therefore if you are 60+ it is a good idea to lean toward more conservative investments but still retain some exposure to risk.

It is worth mentioning at this point that New Zealand financial advisor and writer Frances Cook has a formula for calculating how much exposure you should have based on your age, and it is this…

Subtract your age from 100.

If for example you are aged 60 then only 40% of your portfolio should be invested in the share market.

I do not necessarily agree with this formula and my exposure to the share market is more than her formula suggests I have.

However, that is a personal choice; one that I do not necessarily recommend to you because your circumstances will be different as they are for different people.

If you are connected to the internet and you have a lot of spare cash in your account then I suggest that you place most of your money into an account that is not connected to internet banking. This is to reduce your chances of becoming a victim of internet scammers. 

With internet banking being the norm, this could be difficult in the future though.

In any case I still believe that it will pay to arrange your finances so that if you fall victim to a scammer then not all of your money will be lost. 

Don’t leave all of your money in the one account for goodness sake as some victims of scammers have.

If you are traveling then make sure you don’t have access to your life savings because if you do then so will be a scammer if they manage to get hold of your login details. What I am trying to say is you should leave your entire life savings in an account which you use to do your daily spending. Keep it in a separate account from the account you do your day to day banking. The 

Scammers have all kinds of ways to trick people into handing over their login details.

Anyone can be a victim so don’t be proud by saying “I am not that stupid.”

As you get older you will have to invest more conservatively; that does not necessarily mean transferring from growth to conservative funds but investing some of your current savings into low risk accounts. The deciding factor is your timeline. How soon you need the money and funds which are going to be used within 12 months are best invested conservatively.

 

www.robertastewart.com

 

ABOUT THIS ARTICLE

This article is of the opinion of the writer and may not be applicable to your personal circumstances. Feel free to share this article. You may also use this article for your website/blog or as content for your ebook.

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3 Habits which can make you rich

3 Habits which can make you rich

Written by R. A. Stewart

“You don’t have to be rich to invest but you have to invest to be rich.”-Unknown

Forget the lottery, here are three habits that can make you rich beyond your wildest dreams. It does not matter how old you are, how much money you currently have in the bank, or whether you have any experience at investing. If you can look beyond your own personal circumstances and develop these three habits then you are well on your way to financial success. 

So you may be wondering what is the magic formula for financial success?”

Number one habit to develop is:

The Habit of Saving.

Simple, isn’t it. You simply spend less than you make and whatever is leftover is your excess.

All of us have an ordinary savings account where our payment from whatever source goes into. This really should be named a spending account because we spend money from this account using our bank card. It is a good idea to transfer money into another account which is used for saving up for whatever it is we are saving for and this account should not be linked to internet banking where scammers are able to access it.

Saving money gives you financial security and enables you to cover the unforeseen emergencies which crop up from time to time. Medical and dental emergencies, car and household appliance repairs can be expensive so having savings behind you cushions you against these kinds of shocks.

Saving also enables you to reach your financial goals and helps you to become wealthy.

The Habit of Investing

Most people are able to save something from their pay packet but comparatively few people invest that money. For those people their savings becomes spending money. In the end these people have nothing to show for their years of toil and their options are limited due to their lack of finances. 

Investors on the other hand have more options available to them later in life because finances are not a problem. 

The habit of investing also increases your financial literacy which in turn helps you to make better choices when deciding on where to invest your money. 

This reduces financial stress, increases your independence, and prepares you for retirement.

The Habit of Reading

Reading books increases your knowledge. The habit of reading books of a financial nature will increase your financial literacy. It is a fact that most people are not financially literate. They may know how to negotiate loans and how to get a credit card but people who are intelligent do not purchase stuff on credit because they know that it only means paying more for whatever they are buying.

You do not have to spend too much money buying books when your local library has good books available. You might also pick up some good books at your local charity store.

On the internet you can find lots of useful information on personal finance. Ask chatgpt to provide some answers to any questions you have or go to quora.com which is a question and answer site. You need a gmail address to register with quora.

About the article

The information in this article is of the opinion and experience of the writer and may not be applicable to your personal circumstances, therefore discretion is advised. You may use this as content for your website or ebook.

Read my other articles on www.robertastewart.com

Investing with Sharesies is an accessible and straightforward way to invest in the stock market. By following these steps, you can get started on your investment journey and start building your wealth. However, before making any investment decisions, it is essential to do your research and seek professional advice if necessary.

 Join Sharesies here

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Book Review: Think and Grow Rich 

Written by R. A. Stewart

Think and Grow Rich by Napoleon Hill is one of the world’s best selling self help books and has been for over 70 years.

Napoleon Hill had spent twenty years compiling information for the book and during that time he interviewed the most successful men in history to learn how they acquired their fortunes. 

He reveals the one sure way to overcome all obstacles, achieve any ambition, and bring success to any life.

It is all a matter of knowing what you want and having the desire to make your goals come true.

The book is not one that advises you where to invest your money but rather develops the kind of traits which have made others successful.

The subjects covered in this book are:

Thoughts are Things: Using the power of your mind to get whatever you desire.

Desire: Transforming your desire into concrete action

Faith: How you can rise to limitless heights if only you had faith.

Auto Suggestion: Train your mind to get amazing results with the use of auto suggestion

Specialized knowledge: Your education is what you make it, and you can find the knowledge that takes you from where you are to where you want to go. 

Imagination: This is what is required to turn your dreams into reality.

Organized Planning: How to use your master mind for success.

Decision: The ability to make decisions quickly will help you to achieve more.

Persistence: The ability to persevere is important.

Power of the Master Mind: This secret involves choosing mentors who are where you want to be.

Sex Transmutation: How women help men become successful, and how to take advantage of the ancient truth.

The Subconscious Mind: How your subconscious mind waits like a sleeping giant to back up every plan and purpose.

The Brain: How to use your brain more effectively.

The Sixth Sense:  How wisdom opens the door to the road to wealth.

 The Six Ghosts of Fear: Take inventory of yourself, and see if any remnants of fear stand in your way.

Weaknesses

While the book has its merits it also has its weaknesses, and one of these is that it does not take into account the economic landscape of today and the barriers which many people face in their day to day lives.

Conclusion

Think and Grow Rich is a classic for a reason and while it is no magic formula for success the steps to success explained in the book are a starting point for those wanting to learn the mental aspects of success.

Enjoyed reading this article?

Visit my site www.robertastewart.com for more articles.

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Book Review: Rich Dad Poor Dad 

 

Written by R. A. Stewart

Rich Dad Poor Dad by Robert Kiyosaki is one of the best selling finance books of all time. It tells the story of two Dads in his life, his biological father who he called “Poor Dad” and his friend’s father, who he called “Rich Dad.” 

His Poor Dad worked diligently all of his life but could not get ahead, his Rich Dad was smarter with his money and was rich. The Rich Dad mentored Robert and helped him become financially literate.

It is not how much money you make but rather what you do with it after you make it and that is the basic theme in this book.

 

In the book, Robert focuses on getting rich through financial literacy, investing, and entrepreneurship.

The most important lesson is to know the difference between assets and liabilities. Kiyosaki reminds readers several times throughout the book the importance of building up your assets and minimizing your liabilities in order to build up your financial portfolio. He makes the point that many people mistakenly think they are acquiring assets when in fact they are accumulating liabilities. A perfect example is of a house which though it may be a family’s biggest purchase during their lifetime is a liability because it costs money to keep and maintain.

Kiyosaki also stresses the importance of a financial education and claims that the education system does not teach financial literacy to the detriment of children.

The book also explains the concept of having money work for you instead of working for money. Poor Dad had the working man’s mindset of working a set number of hours per week for money while the Rich Dad focuses on acquiring and building assets which generate an income.

Writing Style

Robert Kiyosaki writes in a way as though he is a mentor to his readers rather than if he was simply writing a textbook which resonates with so many readers.

The book has had its critics though, one is that it is too simplistic with not enough actionable advice on how to create and build wealth. It has also been criticized for focusing on financial gain and little emphasis on the social or environmental impacts of wealth building. 

Kiyosaki’s dismissal of education does not resonate with everyone who values the education system. He does highlight the shortcomings of the education system, but his message is not going to go down well with parents who are trying to encourage their children to focus on their school work.

Conclusion

Rich Dad Poor Dad is certainly a very good book as far as improving your financial literacy is concerned, but the information needs to be applied according to your personal circumstances. I have no hesitation in recommending Rich Dad Poor Dad as a must read for anyone wishing to get ahead in life.

About this article: You may use this article as content for your blog/website. Feel free to share this article with others.

Check out my other articles on www.robertastewart.com

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The cost of a high lifestyle

The Cost of a high lifestyle

Written by R. A. Stewart

There is a huge cost attached to living a luxury lifestyle and this cost will be felt sometime into the future. It is when some of life’s big ticket items will crop up and unless you are prepared for them you will most likely end up borrowing to pay for them. This means that you will be paying interest for such items which means that you will be paying more for them than you should.

I remember as a teenager we were helping a neighbouring lifestyle farmer build a cattle yard. The farmer’s name was Jack, an Irishman. He wanted the cattle yard to look nice but Dad said to him, “There is no profit in having a cattle yard that looks nice.” 

On another day, we went out to Jack’s place to spread fertilizer. It was superphosphate. Dad, my brother Jimmy, and I were there and Dad said to Jack, “I have three fertilizer spreaders in the back of the van.” Jack with a curious look on his face, replied, “Let me see them”.

Dad opened the van door to reveal three shovels. Jack saw the funny side.

We then went about spreading superphosphate around the paddocks.

Why spend more money than is necessary on whatever task you are involved in.

Years ago I was working in hospitality in one of New Zealand’s tourist hotspots (Franz Josef Glacier) when the Head chef drove to the hotel we were working at in a brand new car. A colleague told me that he had bought it for $20,000. My response to that was, “If that was me, I would have bought the cheapest car and invested the rest of the money.

There is a cost of living a champagne lifestyle on a lemonade budget and that cost is financial problems later on down the track. Sooner or later, big ticket items will appear in your life and these will sometimes cost you thousands of dollars. A new car, marriage, followed by children, house deposit, dental and medical bills, and retirement.

Sensible people will prepare for these things by saving a portion of their money every week and investing it in the appropriate funds.

Some people on a good salary spend every single dollar or pound they make living the kind of lifestyle that impresses other people. A flash car, flash clothes, nights out, and have little or nothing to show from working at their job.

All of this because they were living beyond their means. Learn to live modestly and life will be easier for you. This all starts when saving money becomes a habit. That money invested will grow your wealth and when life’s big ticket items comes along then you will be in a position to pay for them rather than borrow.

About this article: You may use this article as content for your website/blog, or ebook. 

The opinions expressed in this article are from the writer’s own opinion and may not be applicable to your circumstances therefore discretion is advised. Read my other articles on www.robertastewart.com

 

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The Art of Diversification

The Meaning of Diversification

Written by R. A. Stewart

Diversification is a word that you will hear in investment circles, particularly when investing in the share market, but what exactly does it mean?

To put it in plain language, Diversification is when you divide all of your money between different asset classes and companies. Your total portfolio may be x amount of dollars; an astute investor will invest a certain amount in power companies, a certain amount in banks, a certain amount in insurance companies, and so on.

We often hear of horror stories whenever a company folds and the one that crops up is that investors lost their entire savings in the one company. Big mistake!

That is leaving all of your eggs in the one basket because you do not know what kind of misfortune will hit any particular company.

Government regulations and the economic cycle are out of the control of the company. 

Then there are trends which will have some influence over the bottom line.

There is no guarantee that whatever occurred in the past will repeat itself in the future.

Investment platforms such as Sharesies, Hatch, and Kernel Wealth in New Zealand and Robin Hood in the US enable the ordinary man and woman in the street to invest with a minimum amount of money. This provides an excellent education tool for people who are willing to increase their financial literacy by taking part in the share market.

There is another method of diversification and that is by investing in managed funds or as they are described in the US, Mutual Funds. This is where your money is combined with that of other investors. It is a case of safety in numbers.

Managed Funds provide investors with three options, Growth Funds, Balanced Funds, and Conservative Funds.

Growth Funds are higher risk, higher growth stocks aimed at long term investors. That is investors who are investing for 10 years or more. The reason why they are more suitable for long term investors is because they have more time to recover from a market meltdown, which is more liable to happen with growth funds. The young ones are more suited to Growth Funds because they have more time to recover from a share market crash.

Conservative Funds are safer with investors unlikely to see the kind of falls occurring in the growth funds but the flip side is that an investment in conservative funds will not grow as fast.

Financial advisors in New Zealand have often stated that young people should invest their retirement savings in growth funds to maximise returns. 

Balanced Funds are a combination of Growth and Conservative Funds. They basically give you the best of both worlds.

Diversification does not mean that you should choose an online investment platform such as Sharesies or Robinhood and invest your whole life savings there. The reason is because there have been instances in the US when these types of online platforms have folded.

Some readers may say, “I know/read about an investor who put all of their money in one company and made a killing.”

My answer to that is, “Greed gets the better of people such as this in the end,”

What is likely to happen is that they will try the same thing again and again and give all of their previous gains back plus a whole lot more.

When you hear stories of so and so making a killing, what you do not hear about are those who tried the same thing and lost all of their money.

Be sensible with your money and you will reap a harvest in the end.

About this article

The contents of this article is of the writer’s own experience and opinion and may not be applicable to your personal circumstances, therefore, discretion is advised. You may use this article as content for your blog/website or ebook.

Read my other articles on www.robertastewart.com

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My Thoughts about BItcoin

Written by R. A. Stewart

Bitcoin is an alternative investment for those investors who do not mind the roller coaster nature of cryptocurrency. If you have the risk profile to be able to stomach the prospect of losses and are sensible in how you approach this form of investing then you can make money from Bitcoin as others have done.

Here are some things you should keep in mind:

1 Bitcoin has a short history

The disadvantage of a short history is there is less data to work with for making future predictions, but it should be kept in mind that past performance is no predictor of the future. Using the share market as an example, one can find companies that have made it through the 1987 sharemarket crash. This is a sign of resilience. No one knows how a future share market meltdown will affect the price of Bitcoin because it has not had to deal with such an event.

2 Something is only worth what others are prepared to pay

Bitcoin is only worth what others are prepared to pay, in other words, it is demand that determines its price. This rule also applies to other forms of investing such as gold, art, property, and the share market.

3 Only invest discretionary spending money in Bitcoin

Only discretionary spending money should be invested in Bitcoin. This is money you can fully afford to lose. Money in this category is money you spend on entertainment and hobbies. If you can transfer some of this spending money into Bitcoin, you may just make a bit of money. What I am saying is, you should never spend what you cannot afford to lose in Bitcoin. There is a saying,”Scared money rarely wins”.

4 Diversify

It is important to diversify with cryptocurrency investing as it is with investing in the share market, but just how does one do this when Bitcoin is the main player in cryptocurrency with Ethereum coming in a distant second. I am talking about investing with different crypto exchanges such as Coinbase, Blockchain, and Kraken. There  are a lot of others. A few have gone under which have caused investors to lose a lot of money.

5 Don’t get greedy

Greed is the downfall of a lot of investors. It is tempting to think, “If I invest my life savings in Bitcoin, I will make a killing by xxx date. You could also lose it all. Always remember that for every person who made such a killing there are others who lost their shirt. What usually happens is the one who made the killing will usually try the same thing over and over and give back those gains.

6 If there is an opportunity for capital gain

There is also the chance that you may lose. If you expect to never lose any money at some stage then Bitcoin is not for you. Bitcoin investing requires you to have the kind of mindset that can cope with the roller coaster ride which characterizes cryptocurrency otherwise you will panic when things don’t go as expected. Investing requires a cool head at all times, even when the newspaper reports tell you that you have lost your money. The truth of the matter is that newspapers do not always give you the full story.

I remember when the price of Bitcoin peaked in November 2021 then halved a year later. One newspaper article said, “Investors in Bitcoin have lost half their money.”

That is only true if you had invested in Bitcoin at its peak because if I had sold Bitcoin when the paper was saying, “Investors have lost half of their money,” I would still have received more money than my original investment.

About this article

The content in this article is of the writer’s own opinion and experience and may not be applicable to your own circumstances, therefore discretion is advised. You may use this article as content for your website, blog, or ebook.

Read my other articles on www.robertastewart.com