![Easy Explanation: Short Selling? (Stock market basics for Beginners) [Video]](https://video.ednadigitalmarketing.com/wp-content/uploads/2022/06/mp_11393_0_0jpg.jpg)
#shortselling #shortsellingbasics #wallstreetmojo #learnstockmarkets #stockmarketbasics What is short selling? Chapters: 00:00 – Introduction 00:42 – What is short selling?? 00:54 -How does short-selling work? 01:16 – What is a Long Position? 01:40 -Short selling example.02:32 -Short selling risks. 03:25 -Why Short Selling is beneficial? 03:46 -Conclusion In this video tutorial, we will discuss what is short selling, how short selling works, what is Long Position, short selling examples & risks, why Short Selling is beneficial, etc. What is Short selling? Short selling is an investment strategy where an investor profits by betting against a stock.It’s the opposite approach to the traditional long position where you buy shares when prices are low and sell them in the future when their price goes up.So In a traditional way of investing, we first buy low and then sell high.But in short selling, the investment order gets reversed, so we first sell high and then buy low.Example: Let’s suppose you as an investor feel that Amazon’s stocks are overvalued at $100, and its value might come down soon. And so you borrow 10 shares from Amazon’s broker and sell them at the market’s current price, which is $100. Suppose, the next day, news comes out that Amazon’s shares value has declined by a crazy $25. And therefore, you buy back the 10 shares at $75 each and also return the 10 borrowed shares to the broker.And in this entire process, you bag a profit of $1000-$750= $250. Nice right?However, if for some reason Amazon’s share price rises, let’s say to $150.Then you will end up losing $500 ($1,500 – $1000). In 2020, US short-sellers lost a crazy $40 billion trying to bet against the stocks of Tesla, thinking it was extremely overpriced.You also risk losing infinite money when you short sell because a stock’s price can keep rising forever, especially during a bullish market.Plus, when you borrow shares or funds from your broker, they will charge you interest rates of somewhere between 2 to 3% on your borrowings.So why do investors still go for it if short selling is so risky?Short selling provides opportunities to make profits by taking advantage of a declining market.For example, Michael Burry, profited a whopping $100 million when he predicted a subprime mortgage crisis in the year 2007 in the US. But such incidences are very rare!Short selling is for investors with tons of experience in the stock market and have a huge appetite for risk tolerance.Do share your views in the comment section and Like, Share and subscribe to our channel! Subscribe to Our Channel – Youtube https://www.youtube.com/channel/UChlNXSK2tC9SJ2Fhhb2kOUw?sub_confirmation=1 LinkedIn https://www.linkedin.com/company/wallstreetmojo/ Facebook https://www.facebook.com/wallstreetmojo Instagram https://www.instagram.com/wallstreetmojoofficial/ Twitter https://twitter.com/wallstreetmojo
![2022 AICPA and CPA.com Startup Accelerator [Video]](https://video.ednadigitalmarketing.com/wp-content/uploads/2022/06/mp_11357_0_0jpg.jpg)
2022 AICPA and CPA.com Startup AcceleratorThe accounting and finance profession will continue to adapt to change brought upon by regulatory compliance, task automation, blockchain, and more. We are looking to the future. Investment in new technologies enables firms to stay ahead of the curve and provide client-centric services. AICPA and CPA.com have identified ten innovative startups focused on Automation, AI, and ESG technology in the accounting and finance ecosystem. #Startupaccelerator #Accounting #ESG #Finance
![AICPA LGBTQ+ Initiatives Committee Celebrates Pride Month 2022 [Video]](https://video.ednadigitalmarketing.com/wp-content/uploads/2022/06/mp_11324_0_0jpg.jpg)
AICPA LGBTQ+ Initiatives Committee Celebrates Pride Month 2022|These are the members of the AICPA LGBTQ+ Initiatives Committee. The mission of the Lesbian, Gay, Bisexual, Transgender and Queer Initiatives Committee is to facilitate and environment for discussions and actions the will encourage increased representation and incorporate and maintain an inclusive atmosphere for individuals and groups from a diversity of gender expressions and sexual orientations.|#aicpadiversity #pridemonth
![Easy Explanation: How does Stock Market works? (Stock market basics for Beginners) [Video]](https://video.ednadigitalmarketing.com/wp-content/uploads/2022/05/mp_11303_0_0jpg.jpg)
How does the stock market work?Chapters:00:00 – Introduction00:36 – What is stock?01:05 -How the stock market works?01:27 – Primary Market/IPO01:58 -Secondary Market02:22 -Process of buying stocks online03:10 -Supply & Demand In the stock market04:06 -ConclusionIn this video tutorial, we will discuss what is stock, how the stock market works, the primary market/IPO, the secondary market, process of buying & selling stocks online, the supply & demand in the stock market, etc.How does Stock Market work?Stock markets can really make our heads spin. In this short video, we have tried to explain the stock markets to you in simple words to help you understand this complex system. Stock means “share” or a part. Stock market is an interconnected world of stock exchanges, brokers, and investors where you as an investor can buy and sell shares and securities of companies listed on stock exchanges like the Bombay stock exchange.Before investors can start buying shares of a company, the company has to register itself on the stock exchange using an Initial Public Offer or an IPO.Once the company issues its stock to the public, investors can then start buying and selling the company’s shares among themselves in the secondary market.This process is usually carried out through a broker acting as an intermediary between the exchange and the investor.Suppose you, As an investor buy a company’s stock and that company is successful; seeing this, other investors start to buy stocks of the same company. The stock price will go up & if you sell at a high price you gain profits.However, if more and more stocks are sold, the demand for the stock goes down, and the value of the stock falls. And if you sell at a lower price(than you bought on) then you encounter losses.So, now that you know will you invest in the stock market?Do share your views in the comment section and Like, Share and subscribe to our channel!#stockmarket #stockmarketbasics #wallstreetmojo #learnstockmarketsFor more details, you can refer to our article at -https://www.wallstreetmojo.com/how-does-the-stock-market-work/Subscribe to Our Channel – Youtube https://www.youtube.com/channel/UChlNXSK2tC9SJ2Fhhb2kOUw?sub_confirmation=1LinkedIn https://www.linkedin.com/company/wallstreetmojo/Facebook https://www.facebook.com/wallstreetmojo Instagram https://www.instagram.com/wallstreetmojoofficial/ Twitter https://twitter.com/wallstreetmojo
![How to Overcome Public Speaking Anxiety | Fear and the Art of Public Speaking [Video]](https://video.ednadigitalmarketing.com/wp-content/uploads/2022/05/mp_11297_0_0jpg.jpg)
Discover How to Overcome Public Speaking Anxiety. Go to https://www.bizmove.com to get a free business plan template, plus dozens of tools for managing and starting a business, featuring dozens of templates, books, worksheets, tools, software, checklists, videos, manuals, and spreadsheets. All completely free, no strings attached. Also see here how I managed to save hundreds on car insurance (my dirty little trick): https://www.bizmove.com/auto-car-insurance.
![What hiring managers don’t tell you 🤐 about entry level jobs #Shorts [Video]](https://video.ednadigitalmarketing.com/wp-content/uploads/2022/05/mp_11294_0_0jpg.jpg)
Hiring managers create job descriptions hoping they will get about 80% of what they wish in a candidate. Don’t let the lack of experience stop you from applying to jobs if you see that you meet the education and skill requirements. You will get the experience on the job…Even if the entry-level job description states it requires 1-2 years of experience, If you find that you meet most of the other criteria, then go ahead and applyInterview & Career Playlist:https://www.youtube.com/watch?v=91hNhiNTx1c&list=PLKzobJwkGwKH4svuk7c6GvSLGAMxnzINj——————————-Get 30% off my Online Course on “Learn how to design and build KPIs and Financial Metrics for 2 example businesses”https://thefincontroller.com/p/learn-financial-metrics-kpis?coupon_code=LEARNKPIS30🔥Take 30% off when you enroll in my online course “Night Before the Accounting Interview Guide” including All Levels Q&A🔥:https://thefincontroller.com/p/the-night-before-your-accounting-interview-course-for-all-levels?coupon_code=30OFFCOURSE📈Get My “Controller KPI Dashboard” (Excel + Course) with the most important P&L and Balance Sheet KPIs:https://thefincontroller.com/p/controller-kpi-dashboard-one-kpi-dashboard-to-run-a-business———————————————————————Hang Out with me on social media:📸 https://www.instagram.com/the_financial_controller/📱https://www.tiktok.com/@thefinancialcontroller🙋🏼♂️https://www.facebook.com/groups/780732429036886/?source_id=101273467885666DISCLAIMER: Links included in this description might be affiliate links. If you happen to purchase a product or service with the links that I provide I may receive a small commission. There is no additional charge to you! Thank you for supporting my channel so I can continue to provide you with free content each week!All views expressed on my channel are mine alone. Not intended as financial or professional advice
![Substantive Procedures for the Revenue and Collection Cycle [Video]](https://video.ednadigitalmarketing.com/wp-content/uploads/2022/05/mp_11281_0_0jpg.jpg)
After the auditor has set the achieved level of control risk and determined the risk of material misstatement, the auditor can adjust detection risk. The auditor can decrease detection risk by increasing the nature, timing, and extent of the substantive procedures to be performed. The purpose of the substantive procedures is to substantiate financial statement accounts and disclosures. The more substantive procedures an auditor performs, the better the auditor’s chances of detecting material misstatements. There are two types of substantive procedures: analytical procedures and tests of details.Analytical procedures substantiate accounts or disclosures by comparing recorded amounts (or ratios derived from recorded amounts) with the auditor’s independent estimates for those amounts. The auditor arrives at independent estimates by examining relationships between accounts (both financial and nonfinancial) to see if they are plausible. As part of this process, the auditor would:• Compare financial information to information from comparable prior periods• Compare financial information to budgeted information• Examine relationships between related accounts during the period• Compare financial information to the industry average• Compare financial information with nonfinancial informationAnalytical procedures are an important part of the audit because they are generally cheaper and less labor-intensive to perform than tests of details.There are two types of tests of details: tests of transactions and tests of account balances. Tests of transactions are designed to detect fraud or errors in individual transactions. An example would be vouching a sample of sales transactions back to the respective sales invoices, shipping documents, and customer orders to verify occurrence. Tests of account balances, on the other hand, verify the ending balances of accounts. An example would be evaluating the adequacy of the allowance for doubtful accounts to determine whether the ending balance for accounts receivable is fairly stated. Confirmation (a tests of account balances) is typically an important part of auditing the revenue and collection cycle. Confirmation refers to a process in which the auditor obtains evidence from direct communication with a third party about a management assertion. With respect to receivables, confirmation involves the auditor asking customers about amounts they purportedly owe to the client. In short, the client is claiming that customers have promised to pay a certain amount of money, and the auditor is trying to ascertain whether this is trueThere are two types of confirmation requests. A positive confirmation asks the customer to respond whether or not the balance is correct. A negative confirmation asks the customer to respond only if the balance is incorrect. 0:00 Introduction0:30 Inverse relationship between RMM and detection risk0:51 Types of substantive procedures0:57 Analytical procedures2:27 Tests of details3:18 The confirmation process3:45 Types of confirmations4:44 Confirmation exceptions5:08 Timing of confirmations5:58 Alternative procedures6:37 When not to confirm7:48 Tolerable misstatement8:10 Examining disclosures— Edspira is the creation of Michael McLaughlin, an award-winning professor who went from teenage homelessness to a PhD. Edspira’s mission is to make a high-quality business education accessible to all people.— SUBSCRIBE FOR A FREE 53-PAGE GUIDE TO THE FINANCIAL STATEMENTS, PLUS: • A 23-PAGE GUIDE TO MANAGERIAL ACCOUNTING• A 44-PAGE GUIDE TO U.S. TAXATION• A 75-PAGE GUIDE TO FINANCIAL STATEMENT ANALYSIS• MANY MORE FREE PDF GUIDES* http://eepurl.com/dIaa5z— GET CERTIFIED IN FINANCIAL STATEMENT ANALYSIS, IFRS 16, AND ASSET-LIABILITY MANAGEMENT * https://edspira.thinkific.com — LISTEN TO THE SCHEME PODCAST * Apple Podcasts: https://podcasts.apple.com/us/podcast/scheme/id1522352725 * Spotify: https://open.spotify.com/show/4WaNTqVFxISHlgcSWNT1kc * Website: https://www.edspira.com/podcast-2/ — GET TAX TIPS ON TIKTOK * https://www.tiktok.com/@prof_mclaughlin — ACCESS INDEX OF VIDEOS * https://www.edspira.com/index — CONNECT WITH EDSPIRA * Facebook: https://www.facebook.com/Edspira * Instagram: https://www.instagram.com/edspiradotcom * LinkedIn: https://www.linkedin.com/company/edspira — CONNECT WITH MICHAEL * Twitter: https://www.twitter.com/Prof_McLaughlin * LinkedIn: https://www.linkedin.com/in/prof-michael-mclaughlin — ABOUT EDSPIRA AND ITS CREATOR * https://www.edspira.com/about/
![We at Simandhar are proud to call ourselves a women driven company [Video]](https://video.ednadigitalmarketing.com/wp-content/uploads/2022/05/mp_11254_0_0jpg.jpg)
We have more than 60% female employees who empower our vision of transforming all accounting aspirants into skilled professionals.Join our team and kickstart your career!You can DM us at simandhar_educationSimandhar Education will help you ace the CPA, CMA, EA, CIA, and IFRS certifications. For any further information regarding the courses, you can feel free to reach out to our expert counselors at 𝟕𝟕𝟖𝟎𝟐𝟕𝟑𝟑𝟖𝟖. Drop your Details: https://bit.ly/3wf2fD4 ——————***—————–***———————***———————***———————–𝗔𝗯𝗼𝘂𝘁 𝗦𝗶𝗺𝗮𝗻𝗱𝗵𝗮𝗿 𝗘𝗱𝘂𝗰𝗮𝘁𝗶𝗼𝗻Simandhar Education is a leading training provider for US CPA, US CMA, CIA, EA, and IFRS. Simandhar Education always believes in transforming education and providing high standards of learning to the students. We are the channel partner of AICPA and the official partner of Becker Education, the most acclaimed CPA reviewer in the USA. We believe in imparting information and concentrate on grooming individuals and making them fit for the corporate world. The academy provides quality education with more emphasis on practical knowledge. Simandhar Education has a wide network of world-class trainers, teachers, and industry experts, and all the teachers at Simandhar are CPA qualified and rank holders. We also provide guaranteed placement support to the students and personal grooming sessions for the interviews. 𝗦𝗶𝗺𝗮𝗻𝗱𝗵𝗮𝗿 𝗔𝗰𝗵𝗶𝗲𝘃𝗲𝗺𝗲𝗻𝘁𝘀Simandhar education has over 3000 enrolled students and has successfully placed more than 200 students across reputed firms. We have a team of 10 leading faculties and have effectively conducted 100+ corporate events in the CPA/ CMA domain. Contact Us: +91- 7780273388 or leave a message on social media.Make sure to hit the like, share and subscribe to our YouTube channel.To get more updates on the YouTube Channel click: http://bit.ly/2Mt2BB1Now you can listen to our podcast at https://bit.ly/36PYQPP ——————————- 𝐅𝐨𝐥𝐥𝐨𝐰 𝐮𝐬 ———————————–Make Sure to follow us on our Social Media Channels:Podcast: https://bit.ly/36PYQPPInstagram: https://zcu.io/TNgDLinkedin: https://bit.ly/2Oh9w5dFacebook: https://zcu.io/gDvXTwitter: https://zcu.io/17cSThink CPA / CMA – Think Simandhar#employees #womenemployees #femaleemployees #workplace #workculture
![Passed CPA at age of 21 | Passed CPA during pregnancy | US CPA Exam| US CPA | CPA Course | CPA [Video]](https://video.ednadigitalmarketing.com/wp-content/uploads/2022/05/mp_11236_0_0jpg.jpg)
Meet Simandhar’s rockstars Dhruv who cleared US CPA at a young age of 21 and Amulya who cleared US CPA during her pregnancy. Hear them share their inspiring journey along with their secret and preparation strategies on achieving these remarkable feet. For more videos on CPA: https://bit.ly/3lgbkrKSimandhar Education will help you ace the CPA, CMA, EA, CIA, and IFRS certifications. For any further information regarding the courses, you can feel free to reach out to our expert counselors at 𝟕𝟕𝟖𝟎𝟐𝟕𝟑𝟑𝟖𝟖. Drop your Details: https://bit.ly/3wf2fD4 If there are any video suggestions that you would like us to make, please drop them in the comments. LIKE, SHARE, and SUBSCRIBE!——————***—————–***———————***———————***———————–𝗔𝗯𝗼𝘂𝘁 𝗦𝗶𝗺𝗮𝗻𝗱𝗵𝗮𝗿 𝗘𝗱𝘂𝗰𝗮𝘁𝗶𝗼𝗻Simandhar Education is a leading training provider for US CPA, US CMA, CIA, EA, and IFRS. Simandhar Education always believes in transforming education and providing high standards of learning to the students. We are the channel partner of AICPA and the official partner of Becker Education, the most acclaimed CPA reviewer in the USA. We believe in imparting information and concentrate on grooming individuals and making them fit for the corporate world. The academy provides quality education with more emphasis on practical knowledge. Simandhar Education has a wide network of world-class trainers, teachers, and industry experts, and all the teachers at Simandhar are CPA qualified and rank holders. We also provide guaranteed placement support to the students and personal grooming sessions for the interviews. 𝗦𝗶𝗺𝗮𝗻𝗱𝗵𝗮𝗿 𝗔𝗰𝗵𝗶𝗲𝘃𝗲𝗺𝗲𝗻𝘁𝘀Simandhar education has over 4000 enrolled students and has successfully placed more than 200 students across reputed firms. We have a team of 10 leading faculties and have effectively conducted 100+ corporate events in the CPA/ CMA domain. Contact Us: +91- 7780273388 or leave a message on social media.Make sure to hit the like, share and subscribe to our YouTube channel.To get more updates on the YouTube Channel click: http://bit.ly/2Mt2BB1Now you can listen to our podcast at https://bit.ly/36PYQPP ——————————- 𝐅𝐨𝐥𝐥𝐨𝐰 𝐮𝐬 ———————————–Make Sure to follow us on our Social Media Channels:Podcast: https://bit.ly/36PYQPPInstagram: https://zcu.io/TNgDLinkedin: https://bit.ly/2Oh9w5dFacebook: https://zcu.io/gDvXTwitter: https://zcu.io/17cSThink CPA – Think Simandhar#CPA #SripalJain #PassedCPAat21 #PassedCPAduringpregnancy #CPAExam #USCPA #CPACourse #CPAWebinar #PassedCPA
![Birthday Wishes from Simandhar Students to Sripal Jain CA, CPA – Co Founder | Simandhar Education [Video]](https://video.ednadigitalmarketing.com/wp-content/uploads/2022/05/mp_11215_0_0jpg.jpg)
It is students’ love and gratitude that make a teacher great. Here’s a drop from the ocean of love, respect, and gratitude that Simandhar’s students hold for Sripal Sir.On behalf of the whole Simandhar Fam, we wish Sripal Sir a pleased birthday. Thanks for enlightening so many minds with your exquisite guidance and constant support.Simandhar Education will help you ace the CPA, CMA, EA, CIA, and IFRS certifications. For any further information regarding the courses, you can feel free to reach out to our expert counselors at 𝟕𝟕𝟖𝟎𝟐𝟕𝟑𝟑𝟖𝟖. Drop your Details: https://bit.ly/3wf2fD4 ——————***—————–***———————***———————***———————–𝗔𝗯𝗼𝘂𝘁 𝗦𝗶𝗺𝗮𝗻𝗱𝗵𝗮𝗿 𝗘𝗱𝘂𝗰𝗮𝘁𝗶𝗼𝗻Simandhar Education is a leading training provider for US CPA, US CMA, CIA, EA, and IFRS. Simandhar Education always believes in transforming education and providing high standards of learning to the students. We are the channel partner of AICPA and the official partner of Becker Education, the most acclaimed CPA reviewer in the USA. We believe in imparting information and concentrate on grooming individuals and making them fit for the corporate world. The academy provides quality education with more emphasis on practical knowledge. Simandhar Education has a wide network of world-class trainers, teachers, and industry experts, and all the teachers at Simandhar are CPA qualified and rank holders. We also provide guaranteed placement support to the students and personal grooming sessions for the interviews. 𝗦𝗶𝗺𝗮𝗻𝗱𝗵𝗮𝗿 𝗔𝗰𝗵𝗶𝗲𝘃𝗲𝗺𝗲𝗻𝘁𝘀Simandhar education has over 3000 enrolled students and has successfully placed more than 200 students across reputed firms. We have a team of 10 leading faculties and have effectively conducted 100+ corporate events in the CPA/ CMA domain. Contact Us: +91- 7780273388 or leave a message on social media.Make sure to hit the like, share and subscribe to our YouTube channel.To get more updates on the YouTube Channel click: http://bit.ly/2Mt2BB1Now you can listen to our podcast at https://bit.ly/36PYQPP ——————————- 𝐅𝐨𝐥𝐥𝐨𝐰 𝐮𝐬 ———————————–Make Sure to follow us on our Social Media Channels:Podcast: https://bit.ly/36PYQPPInstagram: https://zcu.io/TNgDLinkedin: https://bit.ly/2Oh9w5dFacebook: https://zcu.io/gDvXTwitter: https://zcu.io/17cSThink CPA / CMA – Think Simandhar#sripaljain #birthday #happybirthday #students #simandhareducation
![Simandhar’s Exclusive Surprise Launch is Here [Video]](https://video.ednadigitalmarketing.com/wp-content/uploads/2022/05/mp_11212_0_0jpg.jpg)
The wait is finally over! We are proud to announce that Simandhar is all set to launch its Learning Management System.With this, we aim to revolutionalize the traditional form of learning and contribute to the emerging disruption in the education industry.It is the way we continue to strive on our path to make education both transformative and informative.Register now to know more!Register Here: https://bit.ly/3GiSA4NSimandhar Education will help you ace the CPA, CMA, EA, CIA, and IFRS certifications. For any further information regarding the courses, you can feel free to reach out to our expert counselors at 𝟕𝟕𝟖𝟎𝟐𝟕𝟑𝟑𝟖𝟖. Drop your Details: https://bit.ly/3wf2fD4 ——————***—————–***———————***———————***———————–𝗔𝗯𝗼𝘂𝘁 𝗦𝗶𝗺𝗮𝗻𝗱𝗵𝗮𝗿 𝗘𝗱𝘂𝗰𝗮𝘁𝗶𝗼𝗻Simandhar Education is a leading training provider for US CPA, US CMA, CIA, EA, and IFRS. Simandhar Education always believes in transforming education and providing high standards of learning to the students. We are the channel partner of AICPA and the official partner of Becker Education, the most acclaimed CPA reviewer in the USA. We believe in imparting information and concentrate on grooming individuals and making them fit for the corporate world. The academy provides quality education with more emphasis on practical knowledge. Simandhar Education has a wide network of world-class trainers, teachers, and industry experts, and all the teachers at Simandhar are CPA qualified and rank holders. We also provide guaranteed placement support to the students and personal grooming sessions for the interviews. 𝗦𝗶𝗺𝗮𝗻𝗱𝗵𝗮𝗿 𝗔𝗰𝗵𝗶𝗲𝘃𝗲𝗺𝗲𝗻𝘁𝘀Simandhar education has over 3000 enrolled students and has successfully placed more than 200 students across reputed firms. We have a team of 10 leading faculties and have effectively conducted 100+ corporate events in the CPA/ CMA domain. Contact Us: +91- 7780273388 or leave a message on social media.Make sure to hit the like, share and subscribe to our YouTube channel.To get more updates on the YouTube Channel click: http://bit.ly/2Mt2BB1Now you can listen to our podcast at https://bit.ly/36PYQPP ——————————- 𝐅𝐨𝐥𝐥𝐨𝐰 𝐮𝐬 ———————————–Make Sure to follow us on our Social Media Channels:Podcast: https://bit.ly/36PYQPPInstagram: https://zcu.io/TNgDLinkedin: https://bit.ly/2Oh9w5dFacebook: https://zcu.io/gDvXTwitter: https://zcu.io/17cSThink CPA / CMA – Think Simandhar#ThinkCPAThinkSimandhar #new #surprisereveal #service #support #success #students #education
![How to Motivate Your Employees to Work Harder In the Workplace | Good Boss Vs. Bad Boss [Video]](https://video.ednadigitalmarketing.com/wp-content/uploads/2022/05/mp_11173_0_0jpg.jpg)
Discover How to Motivate Your Employees to Work Harder In the Workplace. Go to https://www.bizmove.com to get a free business plan template, plus dozens of tools for managing and starting a business, featuring dozens of templates, books, worksheets, tools, software, checklists, videos, manuals, and spreadsheets. All completely free, no strings attached. Also see here how I managed to save hundreds on car insurance (my dirty little trick): https://www.bizmove.com/auto-car-insurance.