Financial Mistakes Business Owners Make and How to Avoid Them

Cash is the lifeblood of a business. No business owner wants to see their business struggling because of lack of funds or in debt due to mismanaged finances. What they want to see is a regular flow of profit but this is easier said than done.

With many years of experience as chartered accountants and business experts, we’ve seen many financial mistakes that business owners make. Here are some of the most common mistakes and how to avoid them:

Not having a business plan including clear financial goals

Business planning is very important. If you want to be successful in your business, you need a roadmap. It is also important to set clear goals and targets. In particular, you need to have financial goals that will help you measure how well your business is doing. Furthermore, your financial goal should be clear and realistic. Goals should be phased – weekly, monthly, quarterly or yearly. You also need to involve your whole organisation in your business strategy. Give your team goals to aim for.

With these plans and goals in place, you will have a clear view of how your business is performing which will eventually help you make important financial and growth-management decisions.

Not keeping proper financial records

This is one of the most common mistakes of business owners and also the most crucial. Most business owners are so busy focusing on managing their business that they neglect the importance of financial record keeping. If you don’t have time to update your financial records, hire an expert to do it for you, such as a Chartered Accountant. They can set you up with proper systems and help process your transactions accurately.

Combining business capital and personal finances

Some business owners, especially those who are struggling with their business capital or finances tend to merge their personal savings with the business. Business owners should avoid doing this, as it will only make it more difficult to track how much money the business is making. Also, it complicates IRD and tax obligations.

Starting too big

Starting a business can be overwhelming. You put everything in that you have before you actually start. You may rent an office or other space and hire employees thinking about the future. You want to start big. But you have to understand that starting big doesn’t necessarily ensure your future success. It may put undue pressure on you and your business. The best thing to do is to start small and once your business becomes financially stable, you may then consider expanding. Make sure that your expansion can be justified by your profits.

Not having an expert to assist you with your finances

Accounting, bookkeeping and tax compliance – these are just some of the financial responsibilities that you need to take care of when you start a business. These are critical and timely business processes. But some business owners are so busy managing their business that they often neglect these. You don’t have to stress yourself in thinking and doing everything. You can hire experts to do it for you.

Some business owners are hesitant to hire experts to do these things for them and only realise they need help when it is too late. So hire a trusted Chartered Accountant to help you with your finances so you can focus on your business, as well as having more time to relax.

These are just some of the common financial mistakes that business owners make. Make sure to avoid these financial horrors to ensure the success of your venture.

A Heartfelt New Year’s Resolution: Show You Care

I heard the sirens behind me before I saw the flashing lights of an ambulance, followed closely by a fire truck. Like everyone else on the roadway, I looked around trying to figure out where the ambulance was heading, and as soon as I saw the lights, eased my car over to the right side of the road. Only the ambulance wasn’t traveling in the direction of traffic, the ambulance was heading for whichever side of the roadway was clear, if only for a few car-lengths – much to the surprise, no doubt, of those in the oncoming lane of traffic.

I figured it must be a truly urgent emergency for the ambulance and fire truck to be commandeering both sides of Pacific Coast Highway. Nonetheless, drivers on either side were nudging their cars onto the side, out of the way. At no time did the ambulance have to blow its horn, slow down, or do anything else to get where it needed to go.

We care. We really do. In moments of crisis, large or small, our respect for one another simply as human beings, shows up. I am reminded of a very touching video posted in the final weeks of the chaotic Presidential campaigns, which featured a woman trying to find the owner of a lost dog found wandering in a parking lot. It was an “equal opportunity” posting, in that the same situation was played out in both Trump and Clinton rallies. The woman wore a “Trump” t-shirt in the Clinton situation, and a “Clinton” t-shirt in the Trump situation. Didn’t matter. People in both rallies, without exception, treated the woman with respect, and tried their very best to help her find the dog’s owner. Small crisis, true, but oh-so-telling.

We care. We really do. So what if, this New Year, we made a resolution to show our caring, our respect for our shared humanity, when it isn’t a matter of a lost dog or tragic accident? What if, just as a matter of course, throughout our most ordinary of days, we made the effort to give people the benefit of the doubt, to assume people are doing their best (including ourselves!), and to respect them, regardless of whether or not we agree with them?

I know, it’s easier to do with lost dogs than it is with co-workers or family, much less strangers who are rude to us or ignore us altogether. But heck, we’re still all in this together, and a little bit of respect and consideration goes a long way.

And who knows? Someone may give you some of that respect and consideration when you least expect it, in a most delightful way.

7 Reasons How Goa Will Blow Away Your Winter Blues

According to experts, the seasonal affective disorder (SAD) or winter blues affects millions of people around the globe. People of any age may get effected by it. If you have been suffering from winter blues, you are not alone. It’s said that traveling can help you deal with your SAD, and if you happen to be from India, you may get ready to leave for Goa. Here are 7 reasons how Goa will blow away your winter blues.

Amazing Natural Beauty

Goa has incredible natural beauty with a great deal of green forests and beautiful beaches. Some of the must-visit beaches include Baga beach, Anjuna beach, Calangute beach and Candolim beach, just to name a few.

In the majority of shacks, you can get umbrella and beds for free if you love to eat at beach shacks. Aside from this, most of these places offer different types of Indian, continental and seafood. You may also get to South Goa to take your time at the serene beaches.

Old Goa

Old Goa is a beautiful place to visit the popular places, such as churches of Francis of Assisi, St Augistine and Basilica of Bom Jesus, to name a few. In the evening, you have the option to visit Panjim. Old Goa also has some of the finest Casinos of the country. Just be careful, as you don’t want to spend all your money over there.

Electronic Music

If you love Electronic Music, Candolim and Vagator are your places. During the last 7 days of December, you can attend the popular Sunburn and Supersonic events. Usually, visiting Goa will cost you more money during New Year, but it will be worth the money. The crowd during the New Year makes an incredible atmosphere.

North Goa clubs

If you love to party, you may head to the dance clubs of the North Goa. The majority of the clubs are not that expensive. There you can enjoy music late at night. Clubs that are the most popular include Sinq, LPK, Club Cabana and Curlies.

Food Lovers

If you love to eat seafood, Goa is the best place. Throughout the state, you can find a variety of sea food as well as cheap alcohol. You can also eat alcohol Fenny, which is made from coconuts and Kaju.

Adventures

For adventure lovers, Baga beach, Calangute beach and Sequirem beach are your places. On these beaches, you can play a variety of sports, such as water scooters, Para sailing and scuba diving.

Biking and cycling

Throughout Goa, you can hire bikes or cycles at many of the rent shops. If you want, you can hire cheap Royal enfields and 4 wheelers for a couple of days to have fun. You can cruise along the streets of Goa and drink roadside tea or coconut water.

So, if you are having winter blues and would like to go somewhere for a few days, we suggest that you give a go to Goa. This beautiful state has a lot to offer. Hopefully, you will have a great time over there.

Growth Consultant: Giving New Direction To Your Business!

Earning substantial profit is the main objective of every business and for this it is imperative that your business grows in significant direction keeping pace with changing scenario. Because, if a businessmen continues to follow conventional methods of conducting business he might not be able to stay even in competition with his contenders and may lag in competition.

For the continuous growth of business it is indispensable to keep a strict eye on every change taking place across the business world. The relevance of keeping an eye on changing scenario increases more today’s age because today as an impact of globalization business operators are blessed with vast opportunities of exploring their business throughout the world in short span of time.

Days have gone back when business operators centralized their activities within a limited region, but now the time has arrived when they need to move ahead by eliminating cultural and demographic traits and transfer their orthodox business model into customer centric, best in its segment, broadening potentials of growth with feasible profits from business.

To assist the business owners in moving their business according to changing environment, growth consultants can play an incredible role in getting the infrastructure of their business keep changing in accordance to global market.

The growth consultants provide their expert advice and suggestions to business groups and may even help them in getting those suggestions implemented in organization in determined strategy. These consultants make business operators understand the drawbacks of orthodox business concepts and make them realize the changing role of not so recognized sections like women and youth in growth of an organization. They make business owners understand the contribution which they can make in exploring their business.

Moving ahead they also make them realize the changing nature of consumer behavior and how they can succeed in offering varied services and products to their multicultural consumers located in different regions of world.

The consultants of growth help business groups in:

1. Re-evaluating the core targets and models of their business

2. Identifying the gaps in their value delivery systems

3. Make them understand whether their strategies of VP communication are misfiring or not;

4. Generating the identity of their brand in accordance with values, beliefs and strengths of new worlds market place (NWMP)

5. Selecting and strengthening their value propositions and competitive differences

But sharing business details with an unknown person is not an easy task for any business operators and therefore it is necessary to get assured that information shared with consultant will stay restricted only with him and not affected by any kind of elusion. The selection of growth consultant should be done after proper research about his past experiences and knowledge.

As a general practice need of a growth consultant is felt when:

1. Growth of your business has stagnated

2. You are not able to make appropriate use of the available sources

3. When you are speculating to introduce a new initiative in market

How do growth consultants assist the business groups?

The growth consultants conduct an intensive study of every aspect related with your business on your behalf and then point out the pros and cons of your business comparing with your contenders.

After analyzing your business they find potentials of your growth keeping the changing atmosphere and making system approach for your business according to recent trends. They also help you in assessing the results and difference in your business after implementation of their recommendations. This strategy will help you in achieving desired success in your business in appropriate direction.

Must-Know Facts About Armored Recovery Vehicles

Various kinds of military vehicles are used in used in war-torn areas or places where conflicts are present and continuous. One of the most common types of specialized vehicles you will see in such areas are armored recovery vehicles.

An armored recovery vehicle, also known as Armoredownload-12d Repair and Recovery Vehicle or ARRV, has the primary purpose of recovering and/or repairing damaged or inoperable vehicles right in the battle field.

These specialized vehicles were first called Salvage tanks during World War I. It was only during the Second World War that people began calling them recovery vehicles.

The earliest versions of these vehicles were usually equipped with repair tools or with winches of heavy-duty to release the stuck vehicles. However, the latter generations or newer models were outfitted with a type of crane attached to the A-frame – a feature which could perform the task of lifting heavy parts from disabled vehicles, such as the engine. In addition, during the post-war period, various great alterations and improvements were made in these vehicles. Some of these capabilities include the improved ability of these vehicles to carry an extra engine to replace a non-working on the field and fuel pumps which allow the easy transfer of fuel. They can also carry anchors which can be utilized as stabilizers in heavy lifting situations.

In the past, recovery vehicles were usually derived from battle tanks of other armored fighting vehicles. Today, most manufacturers build them from the same type of material or vehicle they will most likely or frequently recover on the war field.

Although recovery vehicles are one of the sturdiest and strongest specialized vehicles around, they also have limitations. In cases where the work of a recovery vehicle is not possible anymore, tank transporters will have to be used. Tank transporters have the mission of transporting the tanks on the war field for longer distances, to reduce road damage, save fuel, or to recover them from the war field. Certain types or models of tank transporters are equipped with special protection, in case they have to make their way up to the first line.

Armored recovery vehicles are important types of specialized vehicles to have and use where fighting, especially with the use of artillery, is consistently present. To make sure that you can make the most of your vehicles and that the operator and passengers will be safe during transport, make sure that you purchase them only from a well-known and trusted automotive manufacturing company.

5 Benefits Of Using Security Tags

If you go to most of big retailers, you will see that they have electronically tagged their expensive goods. It’s possible to tag all the products including beauty products and alcohol. Usually, retail stores use security tags to secure items that are most commonly stolen. As a matter of fact, security tags offer a simple solution for businesses to secure their stock. Read on to know more about it.

How security tags work

In simple words, security tags are designed to send an alert when products at a store are moved through a security barrier. These tags are put on the product packages. When a shoplifter tries to steal the package and passes through the barrier, the tag will turn on the alarm sending an alert to the security.

The staff at the store can detach or deactivate the tags for their customers. So, their genuine customers won’t face any embarrassing situation. The fact of the matter is that these tags prevent shoplifters from lifting stuff from retail stores. As said before, these tags can be used on any product sold at the stores. Given below are 5 major benefits of these tags.

5 Great Benefits of Tags for security

1. Affordable

Since security tags are sold in bulk, you can get discount when buying them. While they may cost you a good amount of money, you will save a great deal of money in the long run. The protection you will get is worth the investment. That’s the reason the product is an effective solution for small as well as large businesses.

2. Ease of use

The great thing about the product is that it is very easy to use. This means that you can use them on a wide range of products. While they are easy to apply, they can’t be removed without a special device called a deactivator. So, the shoplifters won’t be able to remove them.

3. Easy deactivation

With a deactivator, it’s easy to remove the tags in a few seconds. So, your customers don’t need to wait for the tags to be removed before they leave your store. Unlike other gadgets, security tags are not complex items.

4. Peace of mind

With security tags on each product at a store, the staff and customers will have a peace of mind. All the staff at a store will be able to focus on their jobs as they will have peace of mind that any attempt to steal the products will be detected. Moreover, the customers will also be satisfied that they are in a safe store.

5. Reliability

Security tags are very reliable as they can’t be removed without the special device known as the deactivator. Once the deactivator is removed, the tag won’t set the alarm off when the customer will pass it through the security barrier. So, the devices are 100% reliable. There will be no surprises.

So, if you run a store and want to improve the security system at your store, you may want to consider installing tags.

Why You Should Stop Boasting About How Busy You Are

An Accomplished Life

“Hi Tom, how are you?”

“I’m well Jane, just extremely busy.”

“Oh, I’m glad to hear you’re keeping busy then.”

“Yes, I’m flat out at the moment.”

The above interaction is one that takes place between people on a daily basis.

But what is behind the busyness?

Is it a way to deflect attention from what really matters?

People brag about their busy lives to highlight themselves living an accomplished life to their peers.

Similarly, they may wish to communicate how meaningful their work is and so it becomes a self-fulfilling prophecy.

Being occupied implies oneself is consumed with matters of significance. That is why people state their busyness, to have you know they are important.

Busy people struggle to keep their attention in the present moment because their focus lies in future events and planning for the next project.

“We become active and busy, but this doesn’t actually move us any closer to success. Activity is often unrelated to productivity, and busyness rarely takes care of business,” states authors Gary Keller and Jay Papasan in, The One Thing: The Surprisingly Simple Truth Behind Extraordinary Results.

I question those who have a hectic schedule as a method to divert their attention from connecting with their core self.

The title quote by the Greek philosopher Socrates, invites you to be wary of a busy life which can be barren.

The busy person is disconnected from others, simply because their attention is focussed on their own commitments. There is the impression of a purposeless life, masked behind the facade of a frantic lifestyle.

Busyness can be reframed to imply your pursuits are purposeful instead of busy.

Gary Keller and Jay Papasan affirm, “Don’t focus on being busy; focus on being productive. Allow what matters most to drive your day.”

Busy or Just Unproductive?

You can be busy but not productive and still chase your tail.

Beneath the busyness lies the unconscious desire to be rewarded for hard work.

People believe being preoccupied is impressive and associated with status. You must be pursuing something prestigious, otherwise you wouldn’t be busy.

I’m reminded of an episode in the Seinfeld sitcom where the character George Costanza, played by Jason Alexander, walks around the office looking annoyed. He realises that being busy is associated with stress and works hard to uphold this facade.

He appears irritated, causing his supervisor; Mr. Wilhelm to fear George is cracking under the pressure of his work.

While this scenario is fictional, it shows how people unconsciously use busyness to draw attention to themselves.

Similarly, you may believe multitasking is indicative of productivity. Busyness implies being on top of things which is often the furthest thing from the truth.

“Productivity isn’t about being a workhorse, keeping busy or burning the midnight oil… It’s more about priorities, planning, and fiercely protecting your time,” affirms associate editor at Psych Central, Margarita Tartakovsky.

The busy pandemic comes at a cost to people’s well-being and happiness. You may find it difficult to disconnect from work to spend time with family. These are the pursuits that rejuvenate you instead of deplete you.

Busyness can be a sign of procrastination. It is a smoke screen to cover up being overwhelmed and in need of help to prioritise your life.

Consequently, those in the creative field will tell you they are absorbed in their interests and not busy with work.

It was the late Stephen R Covey, author of The 7 Habits of Highly Effective People who said, “It is possible to be busy-very busy-without being very effective.”

The Demands of a Hectic Schedule

It is vital that you set clear boundaries if you wish to be fulfilled. Busy people find it difficult to say no since they do not wish to offend others or be seen as incapable.

I’m yet to meet a busy person satisfied with their hectic schedule. I’m certain they would trade their frantic life for: less work, more time and money.

Occasionally, you might be pulled by circumstances not of your choosing. Business may unexpectedly increase if you’re self-employed as you try to meet the pressures of growing sales. But that doesn’t mean you are happy if all you are doing is working to provide for the demands of other people.

You have a choice how you spend your time. To claim you are busy is failing to prioritise your time wisely.

“Everybody’s busy. Everyone does the actions. But were they the right actions? Were those actions productive? Did you take a step forward? These are questions that most people never take the time to think about,” reminds us author Jeff Olson in, The Slight Edge.

After all, what is the point of being busy and stressed to the point of exhaustion that your health and relationships suffer, just to improve your bottom line?

Surely, there’s a more efficient way to work in the 21 century while enjoying more leisure time?

Busy people are prone to being overwhelmed if they continue to drive themselves hard. It is not healthy to run yourself into the ground and expect to stop at the drop of a hat.

Something must give. That may be as excessive drinking to help you wind down or toxic behaviours such as: compulsive eating, gambling or whatever distracts you from what is important.

We all have the same hours in the day and how you spend it is entirely up to you. Many people squander their time running around believing they are productive, when they are simply busy due to their lack of organisation and prioritisation.

“We are so busy being enticed by our next endeavour that we forget to savour what is already there and could be deeply meaningful. It is useful to remember the adage “The more things change, the more they remain the same” avows author Bernard Roth in, The Achievement Habit: Stop Wishing, Start Doing, and Take Command of Your Life.

A better way to reframe busyness is to state you are productive or engaged in what you are doing. Conversely, communicating you have taken on more than you can handle, is a step towards reclaiming your lost time.

This is not a cry for help, but exposing your vulnerability to those willing to help you better manage your time.

Find ways to be less busy and more engaged so you are in Flow, as the Hungarian psychology Professor, Mihaly Csikszentmihalyi espouses.

Busyness is a not indicative of a rewarding life if all you are doing is jumping from one task to the next.

Those who manage their time successfully hold on to it like it was their last breath. They prioritise what is important and so should you.

I invite you to think with the end in mind as Stephen R. Covey conveys in his teachings.

Only then will you appreciate what really matters and worth devoting your time and energy towards.

Stability, Predictability, Consistency, and Standardization in the Flow of Commerce

The best of all possible worlds is for the government to stay out-of-the-way of commerce, industry and business, and very rarely institute regulations. There are some times when government and businesses, industry associations should collaborate for the sake of standardization, but again, very rarely. The tendency to allow industry collusion, create monopolies, duopolies or quasi-cartels is just too easy. Further, once you create one regulation it’s hard to prevent the add-on affect, the temptation is just too great to add exceptions, additions, clarifications as lawyers, unions, and consumer groups work to lobby legislators to intervene with the regulatory apparatus.

A few years back this was a big conversation at our Think Tank, and one think tanker Andrew stated: “I would have to agree that businesses do need some form of standardization, but we must also understand several concepts! A business must have the capability to micromanage for maximum efficiency. I believe states should be granted the power to standardize businesses, not the federal government.”

Okay but, where I see the definite need for standardization are with things like Internet Protocols, railway track width, freeways for intrastate travel, airport runway markings, frequencies used in communication, food safety, etc. In a big state like TX you could get away with doing almost everything counter to the overall prevailing way of doing things, it’s practically large enough to be its own country, and some Texans would prefer it to be still. Pretty independent minded, even with the population’s mindset of succession from the union. It even has its own electrical grid.

Still, with regards to the flow of energy, transportation, distribution, communication, currency, etc. we need standardization. And to the point of having each state decide, what about every county, every city, or every HOA, down to every person, where do you stop the breakdown of centralized standardization.

The argument for state level standardization could be argued against by someone who is a County Supervisor telling the State to go to hell, we want to do it our way, especially a county like the County of Los Angeles, with 16 million people in it, also larger than most countries. How about a city telling the county where to go, again as an example, let’s take the City of Los Angeles VS County of Los Angeles, see the point.

And realize I am not making an argument for a global government here, but we also need some standardization there too, for aviation, which we do have, maritime, trade rules, and having the Central Banks work together so no one Central Bank doesn’t destroy the entire global economy. See that point. We need SOME standardization, but we MUST retain regional variation. We do this at the Global Level, but we don’t do it enough at our Federal Level with regards to the states in the US and that’s why we have issues now. Think on this.

What Is Computer Aided Engineering And Computational Fluid Dynamics?

Computer Aided Engineering (CAE)

CAE is the broad use of computer software with the aim to aid engineering tasks. It is a broad field that involves computational fluid dynamics, finite element analysis, optimization and multibody dynamics. Software tools developed to support the activities are known as CAE tools and they can be used in different application, including analyzing robustness and also performance of assemblies and components.

Computer aided design has indeed revolutionized modern engineering as it allows easier development of products and management integration of the same. It has also made modeling greater and offers basis for virtual networking. In the engineering world, the design is used widely to develop products to meet consumer expectations. It is this knowledge that makes engineering students and professionals important because of the benefits they bring to the engineering workforce.

Using computer aided engineering designs can be simulated in all kinds of scenarios without any physical change to the model. The technology is therefore widely applied to engineering applications. It comes with drawing benefits, project management benefits and networking benefits as well. It is applied to fields like aviation, space, shipbuilding and automotive industries. Computer aided engineering systems are supportive to businesses because they can place information views into the business process and make reference architectures useful especially when it comes to manufacturing models and products.

Computational fluid dynamics (CFD)

This is a discipline that falls under computer aided engineering and is used to engineer products and process designs as well as fabricate and analyze all elements involved in the processes. The technology also falls under fluid mechanics that rely on numerical methods and algorithms to analyze and solve problems that are related to fluid flow as well as heat transfer. Computational fluid dynamics are made up of three phases:

· Pre-processing that defined computation fluid dynamics models that include physics environmental factors, geometry and boundary conditions

· Analysis which offer solution of transport equation using the computational fluid techniques

· Post processing which involves results using visualization tools

CFD started way back in the 1960s with the first successes becoming prominent in 1970s. In services industry it took effect in the 1980s and the industry significantly expanded in the 90s. CFD packages continue to develop and significant changes are definitely expected in the future. The knowledge on how fluid flow and the quantitative effects of solids that are in contact helps:

· Architects and building service engineers to provide safe and comfortable human environments

· Power plant designer to achieve maximum efficiency and also reduce pollutant releases

· Chemical engineers in maximizing yields from processing equipment and reactors

· Designers of marine, air and land vehicles to achieve maximum performance at minimum costs

· Safety engineers and risk-and-hazard analysts to make predictions of the damage extent of structures, human beings, vegetation, animals and even equipment as a result of blast waves, explosions and fires

The flow simulation also proves helpful to the metropolitan authorities in determining pollutant emissions, meteorologists in foretelling water and wind current, petroleum engineers in designing oil recovery strategies among many other applications.

Have You Ever Heard of Parallel Marketing?

Have you ever heard of Parallel Marketing?

If you haven’t I’ll explain it to you in just a sec.

I love the technology of the day. No more hassling friends and family, no more 3 foot rule, no more inviting everyone you know over to your house so your sponsor can “show the plan”, no more winding up being a member of the NFL club. And no, sports fans, I’m not talking about the National Football League.

In this case I’m referring to the NFL club as for NO FRIENDS LEFT club.

Trust me, back in the day your friends didn’t even want to see you coming because they knew you were going to try and sell them on looking at your business. And before you knew it… no friends left.

Thank God for the Internet. Now, even the most introverted guy or gal has a shot at building a downline that could pay them the extra money to make a car payment or afford the vacation of their dreams.

And this brings me to the question I asked you earlier. Parallel Marketing?

Parallel Marketing is when you offer someone something of value that other networker’s need which, in turn, helps them build THEIR business. This brands you in their eyes as someone they can trust. Therefore developing a bond of friendship between you and them.

I believe the FREE resource I’ve found is perfect for Parallel Marketing and thus helping you build YOUR business.

And to think I found this resource by accident. One night I was speaking with a fellow networking friend who asked me as to whether or not I had ever heard of a site that was ideal for networking. I responded with no, never heard of it. Anyway, I took his advice and went over to the site and started reading some of the comments of its members. Then I noticed some of the members kept talking about this new site. I figured I had better check the site out too. Next thing I knew, I was signing up as a free member, then happily upgrading.

The resource below will help you increase enrollments into YOUR business. Plus there is actual training that’s afforded to you too! And right now, for a limited time you can sign up for free and receive a Lifetime membership.

Anyway… here’s the link to hear an industry veteran explain what could very well be the secret to your business exploding within the next few months.