What to Do If Bike Insurance Expires During This Lockdown?

Riding a bike lets you enjoy your commute with the wind in your face. Other than that, it also adds a lot convenience by helping you weave through heavy traffic. This means you save a lot of time while others must wait for it to open.

There is no end to the list of advantages that a bike can offer you. But for all its advantages, there are a lot of dangers to riding a bike as well. Making a single mistake on the road can lead to dire consequences for both the bike and you. The best way to avoid this situation is to drive safe. However, despite all the caution, accidents can happen at times. Hence, the best solution for you is to have bike insurance.

Bike insurance during lockdown

Since more than a year, the country has been under lockdown due to the COVID-19 pandemic. As part of this lockdown, the movement of people across their respective regions. This means that there is little to no reason to drive your vehicle. Due to this, a lot of people of have parked their bikes for the foreseeable future. Hence, it is natural to forget about everything associated with the bike. This includes bike insurance as well. There may be a situation where you forget about your bike and the insurance policy on it. Due to this, you may fail to renew it and it may expire.

What happens when your bike insurance policy expires?

A bike insurance policy expires when you don’t pay the premium in the stipulated time of the coverage. This means making the payment before the last day of coverage. In the case you don’t make it and the coverage expires, the insurance provider will offer you a break-in period of 90 days. This break-in period serves as a chance for you to reinstate your plan. This way, you can restore all the benefits of the policy as they were. But you will not have coverage during the break-in period. If somehow, you miss this time window as well, your policy is terminated.

Upon termination, all types of coverage and benefits of the policy are considered null and void. This implies that you not only have no coverage for own damages to your bike, but also for third-party liabilities. Hence, the next time you get into a situation like accident, theft, vandalism, etc., you will have to cover these expenses out of your own pocket. While there is a lesser chance of accidents during lockdown, but there is no sense of taking the risk of being in this situation with insurance coverage. Moreover, riding a bike without insurance is illegal. Getting caught riding a bike without insurance means you will have to pay a heavy fine.

What can you do if this happens?

Missing the renewal of your bike insurance policy may be a bad thing, but its not a crime. But if you want to ride your bike, you need a two-wheeler insurance policy. So, in the case of your policy expiring, the only thing that makes sense for you to do is to buy a new policy.

Ideally, it would be better if you make the premium payment before your policy is terminated. But missing this opportunity could be a blessing in disguise. This implies that now you can buy a policy with better benefits and coverage options. Hence, as soon as your policy is terminated, you need to start looking for another policy.

The most obvious doubt here is that with everything closed due to COVID-19 lockdown, how do you exactly buy a policy or even look for one. The simple answer is through online mediums. The first step is always comparing polices which can be done through third-party comparison websites. To buy a policy you can go to an insurance provider’s website and make the transaction.


5 Things You’ll Need to Attract Angel Investors for Your Startup

Do you know what it takes to succeed a startup owner? If you think that all you need is a great idea and a handful of people to sell it to, you have a lot to learn about business. You are going to need a lot more. For starters, you’re going to need cash. One source of that cash is the angel investor.

Angel investors are those who put money into startups at their earliest stages. Some are willing to invest and stay in the background. Others want an active voice in determining the course of the company moving forward. At any rate, you also need more than just a great idea to attract them.

Know that angel investors will do their due diligence before putting money into any project. Sometimes they go so far as to order startup valuation reports from a company like Springville, Utah’s Mezy, Inc. If you want to convince these investors to get on board, you will need at least five things.

1. A Solid Business Model

The Investopedia website defines business model as “a company’s plan for making a profit.” A good plan starts with the products or services a company offers. It goes on to account for a full range of factors including expenses, targeted markets, staffing, and so forth.

You have probably heard the old adage that says failing to plan is planning to fail. It rings true to angel investors. Without a solid business model in place, they are more likely to suspect a startup will fail. They will not invest in such a venture.

2. A Solid Management Team

Angel investors look closely at management teams inasmuch as they are the people who will be primarily responsible for day-to-day success. Successful days are like pennies. They add up. Thus, investors want to know that a startup’s management team is more than capable of handling day-to-day operations. At the same time, they want management teams with a forward-thinking attitude.

3. Existing Momentum

It is one thing to pitch a good idea. It’s another thing to already have momentum behind that idea. That’s where startup valuation reports come in handy. A good report shows that a startup is already moving. It shows that products are being made or services are being offered. Most important, it shows that owners already have skin in the game. This is important to investors.

4. Good Numbers

Startups with momentum already behind them can demonstrate current success through their numbers. In light of that, angel investors look for good numbers based on demonstrable evidence. They want to see a startup is heading in the right direction.

For the record, good numbers do not always translate to profit. In fact, it’s not uncommon for startups to go a year or more without making money. No, good numbers show reasonable losses commensurate with the amount of financial investment required to get a company off the ground. Good numbers also show continual movement toward eventual profit.

5. Good Timing

Finally, timing plays a bigger role in entrepreneurial success than most people realize. An entrepreneur might have an excellent idea whose time has not yet come. Likewise, the time for another idea may already be long passed. Angel investors look at timing as much as business model, solid management, or any of the other factors discussed in this post.

If you are looking to attract investors for your startup, don’t think that a good idea is all you need. You need all five things discussed here. They are the bare minimum for selling investors on your new venture.


The Spread Trading Strategy

Spread trading strategies involve the simultaneous sale of a specific security and sale of a related security. This can be done online with established online brokerages like eToro (Tip: A website called discusses about eToro spreads and other related topics. If you’re interested to know more, you check click on this link:  Both securities form the “legs” of the trade. The objective of spread trading is to profit from the difference of the two sales. Typically, the trade is completed in a synchronized manner, and is executed as a single unit.

In spread trading, a trader places Buy and Sell positions on a related asset. It is not encouraged that two options are placed on a single asset, unless you are using two different trading brokers. The basic idea for spread trading is to find two assets with one Up trend line, and another a Down trend line. A Buy spread is placed on the asset that the trend line is Up, and a Sell trade is placed on the asset where the trend line is Down. Both trades are placed at the same time.

Any changes in market conditions will tend to affect both legs. However, volatility for both is significantly reduced as compared to the effect of volatility on the two legs when considered individually.

There are three common types of the spread trading: Calendar Spreads, Inter-Commodity Spreads and Option Spreads.

  • Calendar Spreads- trades that differ only in the delivery date. E.g. Coffee Futures in November and Coffee Futures in December.
  • Inter-Commodity Spread- focuses on the economic relationship between two unlike but of equivalent value commodities. E.g. Gold and silver.
  • Option Spread- involves buying and selling the same stock at varying strike points.

A trader needs to evaluate some key factors before deciding to make use of the spread trading options. Here are some of the notable advantages and challenges of the strategy:


  • Good for beginners as there is less price volatility and prices move less quickly
  • Lower margin rates on spreads in commodity futures
  • Hedging opportunities


  • Less liquid than other trades
  • Much higher transaction costs incurred
  • Limited profit potential

The use of Spread Trading helps reduce exposure to sudden price changes. The use of price spread analysis techniques enables investors to calculate exposure to price volatility in different market assets.

Spread Betting

Spread betting is designed to create a balance on the outcome of a trade. It is a much safer way to trade as investors are the one who decides on the amount to trade, as well as the risk involved for the whole trade duration. As there is the probability of the market changing unexpectedly, trading in high amounts could prove to be risky. Work with spread orders by setting a price limit.

Analyzing Data Matters

Newbies can greatly benefit from techniques in analyzing data for spread trading. They are able to point out sensible strike prices and settlement dates. And this information can be instrumental in reducing exposure to sudden price changes.

It can be noted though that reputable brokers are extremely helpful when it comes to spread trading. Novice traders are able to use trading tools from these brokers, which is helpful in the price comparison of most assets traded on a global scale.

In addition, here are several tips on how you can make the most from the benefits of spread trading:

  1. Take an online course about spread trading. There are plenty of materials online that can help you get started. You can also use demo accounts to practice spread trading before you start investing with real money.
  2. Take a thorough look on which asset to invest in, and on the implication of spread betting on these assets.
  3. Have your own strategy when you apply spread trading. Customize the way you trade to better maximize the outcome for profits.

Top 5 Personal Finance Tips Everyone Needs to Know

A 2019 study concluded that on average, Americans have about $90,460 in debt. This debt includes everything from credit cards to mortgages to student loan debt.

Gen X has the highest debt ringing in at $135,841. Debt has increased the fastest for the millennial generation. Their debt has increased by 58% in 4 years, from $49,722 in 2015 to $78,396 in 2019.

Personal finances are an important part of life but they can be a difficult area to manage. Keep reading to learn some personal finance tips you’ll want to hear about.

Always Have a Budget

The first thing that should be on your list of personal finance strategies is creating a budget. It’s easy to overspend if you don’t set a limit for yourself.

There are many online resources you can use to help you create a budget for your monthly expenses, this way you won’t wonder where all your money went.

Having a budget will also make tracking your spending simple. When you make a physical list of where your money goes you’ll begin to make better decisions for your financial future.

Pay Your Credit Cards

Credit cards can be a double-edged sword for many people. While they’re great at helping establish the credit that you need, they can also lead to a lot of debt if not handled properly.

You should pay off your credit cards as soon as possible. This will minimize your debt and prevent you from paying high-interest rates.

Falling behind on credit card payments or establishing a lot of debt from credit cards can lead to bad credit. This can make getting important loans more difficult.

When applying for a loan, bad credit can make things more difficult but it’s not impossible to get the loan you need. Bad credit help is available and many available options can help you establish the financial security you’ve always wanted.

Set Aside Emergency Money

This next tip is crucial to achieving financial stability. Setting aside an emergency fund can help ensure that when an emergency arises you’ll have the means necessary to take care of yourself and your family.

This fund should get a percentage of every paycheck. Keeping this money in a money market account will ensure that the fund continues to grow.

Saving Is Crucial

While an emergency fund is a type of savings, having a separate savings account is crucial to your financial success. If you’re living paycheck to paycheck this task might seem difficult but saving even a few dollars per paycheck will begin to add up.

Whether you’re saving for your education or a car, putting some money away can help you make those purchases you didn’t think were possible.

Invest in Your Health

Health insurance is an important part of financial stability. Investing in a good plan will protect you if faced with a medical issue. Taking care of your physical health can help prevent expensive medical care in the future too.

Important Personal Finance Tips

Financial stability is an important part of life. If you follow the personal finance tips listed above you’ll be on your way to the financial freedom you’ve always wanted. Check out some of our other blogs to learn more.


What California Residents Need to Know About Taxation in 2021

The new year is now upon us, which means new beginnings as well as new taxation rules for millions of people. If you live in California, now is the time to start preparing your tax returns for 2021. While many things will remain the same in the year ahead, there have also been some changes that you need to be aware of.

In order to ensure a stress-free 2021 and make sure that you are on the right side of the IRS, it is important to stay up to date on California tax law. With that in mind, here is our essential guide for those preparing their new year taxes in California.

1 . Consult California Taxation Experts First

The first thing that is worth noting is that California continues to have one of the most demanding and complex tax systems in the country. High-income Californians pay a higher marginal tax rate than virtually any other state, and state tax authorities wield a huge amount of legislative power.

That is why it is essential that you consult a California taxation expert before you file your taxes. Trustworthy and established accounting groups such as will be able to tell you everything you need to know and ensure that you remain on the right side of the law when filing your 2021 taxes.

2 . Do I Have to Pay Tax in California?

When it comes to California tax help, the first question you should be asking is whether or not you need to file California taxes at all. California has a strong reach into the rest of the country, meaning that you may have to file tax returns there and pay California income tax even if you do not reside in the state.

If you gain any income from a source in California, you will likely have to file a tax return there. If you have spent more than 45 days in California in the past year and have earned income there, you will most likely be treated as a tax resident. If you have any income connection to California at all, you should consult a California tax planner.

3 . New Tax Brackets for 2021

While LA tax assistance is important, it is also worth noting that all taxpayers across the country, not just in California, will be subject to new income tax brackets in 2021. The IRS recently released their latest tax brackets for the year ahead. Single taxpayers now face a 10% rate on all taxable income up to $9950.

On the other end of the scale, anyone with a taxable income over $523,600 will now face a top marginal tax rate of 37%. In California, top-income earners will face additional state taxes, worth up to 16.8% of earned income. Of course, there are many deductions and tax credits that you can apply for, which is why it is crucial to seek expert tax advice in 2021.

Access Sound Financial Planning Advice for 2021

Understanding your taxation requirements is essential for sound financial planning in the year ahead. For more expert advice on getting your finances on track in the year ahead, make sure to consult our expertly-curated Finance section for insider advice on budgeting, investing, and more.


How an Accountant can Help you With Business Formation

Some business owners would try to file their business taxes by themselves but the majority enlist the help of an expert accountant. In fact, most businesses also turn to their accountant for help with new business formation Athens GA.  Getting an accountant involved in business formation gets things started. It helps business owners determine how accounting functions will be set up, how the legal structure of the business will impact business taxes, as well as how to handle payroll, bank loans, invoicing, and more. Here’s how an accountant can help you with your business formation:

Choosing Your Business Structure

As a business owner, you must keep in mind that the kind of business you pick has legal, administrative, and financial implications. This is the reason you must start only on the right foot. In this stage of business formation, an accountant is a must. Your choice of business structure determines the type of taxes your company is subject to, the types of compliance requirements you must satisfy, and your personal liability. Also, it impacts your ability to get funding and credit. Your options in terms of business forms include sole proprietorship, corporation, partnership, S corporations (S Corps), and limited liability corporations (LLC).

Setting Up an Accounting System

Your business formation also involves setting up an accounting system. The system covers all the processes associated with your business’ finances including software, invoicing, payment terms, expenses, bank loans, credit cards, and more. You need to keep tabs on your finances while you focus on wooing new clients, managing employees, and ensuring compliance with industry laws and regulations. By hiring an accountant to handle certain tasks, you can focus on growing your business instead of getting buried in numbers. You need to work with your accountant to make decisions on significant issues like expense limitations, cost-cutting measures, terms of receivables, and cash flow management concerns. An experienced accountant can recommend smart tax planning strategies, saving you money.


The Best And Professional Financial Advice

An expert advisor should look at your finances’ issues by taking points of interest in your current situation, goals, and risk mindset, then returning a written report outlining the products that address your issues and explaining why they are offered.

Who can provide professional financial advice?

Different consultants are qualified to provide different levels of advice.

financial advisors can choose the product that is right for you across the market and should not be dependent on a specific vendor. However, they may have some experience in particular areas, such as home or interest loans. Or speculation.

Banks, construction companies, and insurance agencies have employees or specialists who can provide data on their companies’ products. Some of them are financial advisors; However, they are limited to advising on their organization’s products.

How to seek advice from the data?

The advisor should disclose their situation and the type of guidance they are authorized to provide at the start of your meeting.

Some companies may research to control the type of item you need. However, please don’t confuse it with a financial review.

Why you should do business with a regulated financial advisor

Evidence related to money must have an FSA license. Regulation is necessary because it implies that the company will benefit from payment protection, a strategy of objections, and a wage conspiracy.

If you do complain, however, by neglecting to enter into an attractive deal with the company, at this stage, the complaint may be directed to the financial mediation service for arbitration.

If you receive compensation for a regulated company, you may receive remuneration from the Financial Services Compensation Scheme (FSCS). It depends on the type of grievance and how much salary limits have been exceeded.

Watch out for tips

Try not to sign any agreements or hand over any money until you are fully satisfied that you are dealing with a professional financial advisor who will give you an actual item.

Even some corrupt mentoring advisors cannot avoid the temptations of blackmail. However, if controlled, the FSCS should secure most if not all of your money.

You can check if the consultant has been directed to the FSA site.

If you receive offers on the web, over the phone, or by mail, do some reliable business research before rejecting individual funds or data.

Which lawyer is right for me?

This is based on your budget information and the corporate component’s unpredictability of the money you manage.

Despite the information about your finances, manage a trusted advisor to secure your benefits.

Find an advisor – Few advisors charge. Some receive their money as a reward for transactions.

In general, it is often best to run a consultant related to free money as they have a more extensive budget line base to describe, and they can suggest a strategy or item that addresses your issues more closely than anyone else.

What are the elements related to controlled cash flow?

Mainly mortgages, except commercial contracts, lease buyback loans, and second mortgage loans.

Investments such as enrichment approaches, pensions, global speculation such as trust shares, deals, and some of the most profitable items

Most life insurances like primary illness, life, or full coverage.


The Complexity of Handling Non Profit Money

Non-profit money might seem like an oxymoron—but if you’re running a non-profit organization, you’ll quickly find that the funds are what keep the whole thing running.

So even though it may seem like money should take a backseat, this doesn’t mean you can ignore it and hope all goes well. A smooth, well-run organization will take care to navigate through the tricky waters of non-profit finances to make sure the real work can get done.

We’ve put together some of the top areas you should think about when you’re putting together the money side of your non-profit organization. From grants to salaries and more, you’ll be glad you took the time to secure your funding.


Non-profits might be founded on good ideas, but the engine that keeps them running is excellent fundraising. It might not be what you set out to spend your days doing, but the flow of money will be what allows you to make your dreams a reality.

Tax-Deductible Donations

A major part of your charitable gifts is the offer of tax-deductible donations. This can encourage donors and sponsors to give more than they would have otherwise.

If it’s possible to make your non-profit donations tax-deductible, do your best to make this clear for your donors. State it on your website and on any fundraising materials.


Even if you don’t have big sponsors funding your work, you can make up the difference with crowdfunding campaigns. You’d be surprised at how many thousands of dollars you can raise just by appealing to regular people in the community. Small gifts of $5 and $10, with the occasional large amount, really add up.

But pulling off a successful crowdfunding campaign does take a good bit of planning. If you’re using a platform like Kickstarter or Patreon, you might want to prepare gifts or other benefits for donors at different tiers.

And if you’re circulating your crowdfunding materials through social media, you might want to focus on graphic design and innovative challenges. For example, some crowdfunding campaigns use a “bingo”-inspired challenge on Instagram stories with squares of different amounts of money. People can then try to fill up rows and columns with amounts donated by their online friends.

Applying to Grants

Grants hold lots of power for non-profits. Whether or not you get a grant could determine whether you can accomplish the next project on the radar.

If you have a dedicated grant writer on your team, you’ve got the messaging covered. But how are the numbers looking?

Creating the budget for your grant can be one of the most important parts of the grant itself. How much money do you really need for your plan? And if you do get the grant, how can you spend the money in a responsible way?

Some of these questions can be answered by a concept called fund accounting, which is a method of money allocation that considers limitations from the donor. If you’re handling church donations or not-for-profit finances, you might want to check out a helpful piece on the Fund Accounting Definition For Churches & Not For Profits.

Being Transparent

When you’re trying to build the reputation of a non-profit, you’ll have to focus on trust.

You might know that you’ve split all the funds for your organization in a responsible way, but others won’t know unless you make a point to be transparent. Consider making a regular report or infographic for your organization’s website that details what portion of the funds go where.

If you show that most of your funds are going directly to the people who you’re trying to benefit (rather than mostly to overhead), this can encourage potential donors to send their money your way. It sends a message that your non-profit will let them make the most direct impact out of their money. For example, if you’re handling funding for churches, you can highlight how much money will go toward community service efforts.

Paying Employees With Non-Profit Money

Many non-profits start small, and they often rely on the help of volunteers. But once you start hiring full-time employees, things can get a little more complicated.

People don’t enter the non-profit field for the money, so it makes sense if the salary isn’t that big. But in order to pay people what they’re worth and be respected in a sizeable job market, you need to budget an appropriate amount. For example, grant writers make an average of almost $50,000 a year.

You’ll also need to be aware of the stability (or instability) of the jobs you have on board. For example, if you’re able to hire more employees because of a huge grant, you should keep track of when that grant will run out. Be extra cautious about spending during this period since it will translate directly to the time you can keep those employees on board.

Spending Money on Marketing

Marketing campaigns can be tough in non-profit situations because there often aren’t a lot of funds allocated to this section of the work. You’ll have to be smart and budget a marketing strategy that gives you the most bang for your buck.

Finding creative ways to save on marketing can also help your organization stay transparent while also appealing to potential donors.

Make Some Change With Your Dollars!

Non-profits are an excellent way to create real change in the communities you impact and inhabit. So take care of your finances in plenty of time to make the perfect plan. If you carefully consider your non-profit money now rather than later, you’ll be able to reserve future time for developing your ideas!

So go secure that money, and you’ll be well on your way to making those dreams happen. And for more articles on finances and how they work in the world, check out the rest of this site!


ARES Compliance Failures

The SEC has passed out an order stating that NYSE: ARES at has invested many hundred million in a company that is public through outlets like loans and equities. This statement has been provided by a senior employee to ARES’s board. However, it has been given that ARES has failed to comply with all the policies laid down and could not keep up with the special circumstances which presented the employees serve on the company’s portfolio while keeping in mind that the employees continued their participation in the decisions related to trading.

According to this order, it has been given that the ARES has also obtained potential from the MNPI about ARES through the representative on the board of the company ARES. This has been regarding the changes made in the senior management, about the strategies of the company, the decisions are taken regarding the assets, the debt of the company, and the payments in the interest they are lagging in. After all, this information has been received ARES has decided to purchase more than a million shares of the company through common stock in which the 17% of them were in the shares available publicly. 

The whole stock purchase was signed and approved by the ARES department of compliance. The staff in ARES has constantly failed in many instances to keep sufficient documents they had acquired from the ARES representative along with the members that were a part of this deal if they had received any potential MNPI from the particular Portfolio company. To apply a constant practice for the inquiries, which resulted in a lot of ambiguity, all of these inquiries were made in only some circumstances. The policy of compliance and the taken procedures also did not address the situations regarding the MNPI in ARES. 

The investment advisors and the private firms of equity that place firm employees on the public company boards have been bearing all the risk that they may obtain information on non-public material through the representative who occupied dual roles. It is also said by the associate director of the SEC Enforcement Division, Anita Bandy that it becomes critical for firms like ARES to maintain proper and effective policies and procedures to address all of the possible risks in place and also to prevent the information misuse that may be obtained in rare or certain circumstances. Statements have been provided by the Sec that the company ARES has violated the requirements and policies laid forward by the Sections 204A and 206(4). SEC also considered ARES cooperation in this case and then acknowledged the decision made by the company in 2019.  You can buy the stock share from day trading.

Disclaimer: The analysis information is for reference only and does not constitute an investment recommendation.


Why you should learn price action trading strategy

The price action trading method is often considered as the most versatile way to trade the Forex market. Most of the time, the naïve traders are losing money since they trade this market with an indicator based trading method. But if you look at the elite traders at Saxo, you will easily understand the importance of a simple trading method. Securing consistent profit with the help of a strict risk management plan is very tough. You need to have good knowledge of this market and most importantly, you must have precise knowledge of the Japanese candlestick pattern trading system.

Today, we are going to give you some important information so that you know why you should learn the price action trading strategy. Read this article very carefully since it is going to change your life.

High-quality trade execution?

If you want to execute high-quality trades, you need to focus on the higher time frame. Sadly, naïve traders in the UK trading community always try to use the indicators to find the best possible trades. Eventually, they blow up the trading account. Indicators are just a bunch of codes that allow the traders to find the potential buying and selling spot. Unless you have good knowledge of the support and resistance level trading method, the indicators are not going to help.

So, what about the price action trading method? Well, this is the only system that can help you to improve your accuracy in trading. If you study the different price differences in the candlestick, you will be able to find some good trades. However, naïve traders often have trouble in finding great trades. Unless you have a strong foundation it’s really hard to understand the basics of the Japanese candlestick pattern. Feel free to join here and learn more about the trading industry. Once you have good basic knowledge, you can easily execute the trade with the help of the price action signals.

High risk to reward ratio

Making a consistent profit is all about quality trade execution. But some of the traders forget the role of the risk management plan. If you fail to trade the market with a high risk to reward ratio, it will be really hard to make a consistent profit. You will be losing most of the trades. The winners must be bigger than the losers or else it will be tough to make money at trading. Before you place any trade, focus on the long term trading method so that you can trade with 1:3+ risk to reward ratio. By doing so you can easily improve your win rate and make some decent profit from this market. Being a fulltime trader, learn more about the importance of the risk to reward ratio in trading.

So, how the price action trading helps us to improve our risk to reward ratio. Well, the answer lies within your risk management plan. Most of the time, the indicators users are using a wide stop loss in the trades. But if you trade this market with precise stop loss, you can easily set a big profit target and make a decent profit. But for that, you must learn the price action trading strategy. If you are not sure how it can help, use the demo account and see for yourself.

Reduce the stress

The professional price action traders always trade this market with low stress. They never take too much risk in any trade since they don’t know how to place the trade with managed risk. Trading is one of the most sophisticated businesses in the world. If you want to survive in this business, make sure you limit the risk by using a precise trade setup. The only way you can do this is by following the price trading method. So, learn the price action trading strategy to improve your trading performance.