Adobe's most recent trend suggests a bullish bias. One trading opportunity on Adobe is a Bull Put Spread using a strike $330.00 short put and a strike $325.00 long put offers a potential 53.85% return on risk over the next 13 calendar days. Maximum profit would be generated if the Bull Put Spread were to expire worthless, which would occur if the stock were above $330.00 by expiration. The full premium credit of $1.75 would be kept by the premium seller. The risk of $3.25 would be incurred if the stock dropped below the $325.00 long put strike price.
The 5-day moving average is moving up which suggests that the short-term momentum for Adobe is bullish and the probability of a rise in share price is higher if the stock starts trending.
The 20-day moving average is moving up which suggests that the medium-term momentum for Adobe is bullish.
The RSI indicator is above 80 which suggests that the stock is in overbought territory.
To learn how to execute such a strategy while accounting for risk and reward in the context of smart portfolio management, and see how to trade live with a successful professional trader, view more here
LATEST NEWS for Adobe
DocuSign Stock: Adobe Rival Breaks Out Of Three-Weeks-Tight Pattern
Thu, 02 Jan 2020 21:16:17 +0000
Digital contract software maker DocuSign stock gained on 2020's first day of trading, breaking out from a three-weeks-tight chart pattern, a bullish signal for many growth stocks.
The 10 Best Mutual Funds for Your 401k
Tue, 31 Dec 2019 16:06:14 +0000
If you're like most Americans, retirement is arguably the biggest expense you're saving for. To that end, there's a good chance that your biggest pool of assets is your 401k account at work.According to industry group Investment Company Institute, at the end of 2018 there are more than 55 million Americans actively participating in their 401k accounts. Moreover, they have just over $5.7 trillion dollars in those accounts. And it's easy to see why as 401k's do provide plenty of benefits. From tax-deferred savings to employer matching, the accounts can be a real cornerstone to meeting retirement goals.The problem is that many 401k accounts are plagued with lousy mutual funds. Thanks to loose fiduciary standards, many plan providers aren't doing their part to help investors find the best mutual funds for their portfolios. Truth be told, the average 401k plan is a minefield.InvestorPlace – Stock Market News, Stock Advice & Trading Tips * 7 Dividend Stocks to Buy (With Brands You Can Find In Your Kitchen) But luckily, here at InvestorPlace, we care about your returns and reaching your retirement goals. To that end, we've combed through the hundreds of portfolio options to bring you the best mutual funds to buy in your 401k. These 10 funds appear in plenty of plans and represent some of the best mutual funds to buy for long-term savings. Best Mutual Funds For Your 401k: Vanguard Total Stock Market Index (VTSAX)Expense Ratio: 0.04%, or $4 per $10,000 invested annuallyIt should come as no surprise that an option from Vanguard would be top-dog on a list of the best mutual funds. Investors are waking up to the power of index funds as they tend to outperform active management and feature rock-bottom expenses. And Vanguard is the indexing king.Plenty of 401k plans feature the top-notch Vanguard 500 Index Admiral (MUTF:VFIAX), which tracks the S&P 500. However, the Vanguard Total Stock Mkt Index (MUTF:VTSAX) may be a better choice for your 401k.The reason comes down to simplicity. VTSAX tracks everything. And we do mean everything. The mutual fund follows the CRSP US Total Market Index. This measure looks at the entire U.S. stock market. That includes giants like Exxon (NYSE:XOM) and Microsoft (NASDAQ:MSFT) as well as absolute small fries that you've never heard off. All-in-all, VTSAX holds more than 3,590 different U.S. stocks.That huge breath of holdings means there's no need to hold individual funds covering every corner of the market. It's all here in VTSAX. This makes the option one of the best mutual funds for your core portfolio. After all, the whole point of a 401k is long-term growth. With VTSAX, you can get that all with ease.You also get some decent returns as well. Since its inception in 2000, the fund has managed to return 7.2% annually. Part of that comes from the fund's rock-bottom expense. VTSAX costs just 0.04% or $4 per $10,000 invested.With low costs, good returns and one-ticker access, VTSAX is a great core mutual fund for your 401k account. Fidelity Puritan (FPURX)Expense Ratio: 0.53%Thanks to their all-in-one diversification, balanced funds are often seen as one-stop shop for 401k investors. That's because they own both stocks and bonds under one ticker, usually at a 60/40 stock/bond split. The Fidelity Puritan (MUTF:FPURX) is considered a balanced fund. But one big twist makes it one of the best mutual funds to own for the long haul.FPURX isn't static in that 60/40 allocation. Unlike most balanced funds, Puritan's underlying asset allocation can shift as market conditions change. Managers can gauge market sentiment and play with that 60/40 weighting.So, in rising and bull markets, that 60/40 stock/bond split can be as high as 80/20. In declining markets, the reverse is possible. And since the fund's managers aren't tied to an index in either their bond or stock allocations, they can move around in this regard as well.This means they can load up on dirt-cheap values or small-cap stocks as well as tread into high-yield bonds. As a result, FPURX is a very different balanced mutual fund than what most investors are used to and it is more of a total return element for a portfolio. That makes it perfect for a tax-sheltered 401k.Speaking of those returns, Puritan has been spot on. Over the last decade, FPURX has managed to beat the average balanced fund in its category by roughly two percentage points annually. That return has been pretty close to the S&P 500 as well. And yet, FPURX has managed to produce less volatility. * 10 Hot Stocks Staging Huge Reversals With low expenses of 0.53%, FPURX is a great all-in-one choice for your 401k. American Funds Washington Mutual Investors (AWSHX)Expense Ratio: 0.59%"The Bluest of the Blue Chips" would be a prime way to describe American Funds Washington Mutual Investors (MUTF:AWSHX) fund. The reason for that moniker comes down to conservativism and stock picking requirements of its managers.Founded in 1952 specifically for fiduciaries, lead manager Alan N. Berro and his team use a variety of strict eligibility screens covering everything from debt levels, quality of earnings, dividend strength and other fundamental criteria. Only about 1% of all available U.S. companies are good enough to make into AWSHX's holdings.The end result in those strict requirements is a list of those stocks that absolutely dominate their respective fields, have been around since the beginning of time and feature strong sales/profit profiles. They churn out some hefty dividend income, too. Top holdings for the fund include Home Depot (NYSE:HD) and Merck (NYSE:MRK).A despite being a gigantic fund — with more than $120 billion in assets — AWSHX has been pretty nimble. The focus on strong dividend-paying equities and holding them for the long-haul has resulted in some great returns. Over the last decade, the mutual fund has managed to pull in just over 12% annually. That's not too shabby at all.What's also not too shabby is its expenses. As an active fund, AWSHX's expense ratio of 0.59% is actually lower than some index funds. That makes it one of the best mutual funds to own for 401k investors heading into retirement. Dodge & Cox Stock (DODGX)Expense Ratio: 0.52%While "growth" has been a favorite since the recession, "value" has been the proven winner. And that's why 401k staple Dodge & Cox Stock (MUTF:DODGX) has been one of the best mutual funds to own. The fund has long had a contrarian and value tilt to its stock holdings. The key for DODGX's 8.95% annual return over the last two decades has been its unique strategy for picking stocks.DODGX runs on a committee basis. That is, each of its managers come up with stock ideas and screen for various value and metrics. Those ideas are taken to the fund's underlying committee who hold a vote for inclusion into the fund. Because stocks require an all or nothing vote, only a handful of values make into the portfolio. The fund has nearly $70 billion in assets and it only spreads those onto just 63 different names. Top holdings include Wells Fargo (NYSE:WFC) and FedEx (NYSE:FDX).This, plus the fact that that DODGX tends to hold stocks for a long time once they're in the portfolio have made it an outstanding performer over the long haul. That includes besting the S&P 500 for much of the fund's lifetime. However, the shift to growth over value stocks in recent years has put pressures on its performance. But given values history of winning, it shouldn't be long before DODGX is back on top. * 10 Best Cloud Growth Stocks Right Now With low expenses and a 1.82% dividend yield, investors can sit comfortably while they wait. Metropolitan West Total Return Bond (MWTRX)Expense Ratio: 0.67%Interest from bonds and cash holdings are generally taxed at ordinary income rates. So, a 401k or similar retirement plan is a great place to park fixed income mutual funds. The Metropolitan West Total Return Bond (MUTF:MWTRX) could be one of the rock stars of the sector.As its name implies, MWTRX is a so-called "total return" bond fund. That means the team at the fund isn't just buying bonds and clipping coupons. They are actively performing credit analysts to find bonds trading for discounts to their par values and underlying cash flows. At the same time, they're willing to sell overvalued bonds or securities that have seen their discounts shrink from their portfolio for gains. The combination of coupon clipping and price improvements results in the fund's return.This also has the fund not just buying IOUs from Uncle Sam. MWTRX holds a mix of government debt, corporate bonds and asset/mortgage-backed securities.The real win is that MWTRX's team happens to be one of the best at doing this. Fixed income is one of the few areas that active management can actually add real alpha to a portfolio. What makes this one of the best mutual funds to buy is its returns. Over the last decade, MWTRX has managed to outperform the Bloomberg Barclays U.S. Aggregate Bond Index by more than 1% annually. For boring fixed-income investments, those are some serious extra returns.Moreover, those extra returns make the fund's expenses of 0.67% much easier to justify. T.Rowe Price Blue Chip Growth (TRBCX)Expense Ratio: 0.7%Most active managers are pretty terrible. But when they are good, they are really good. Case in point, Larry Puglia and the T. Rowe Price Blue Chip Growth (MUTF:TRBCX). Puglia has been guiding TRBCX for twenty-five years and the results have been more than impressive. Since the fund's inception back in 1993, it's managed to produce an 11.01% annual total return. This compares to just a 9.6% return for the S&P 500 over that time. The reason for those extra returns comes down to stock selection.Puglia's combs the large- and mid-cap stock universe for stocks that have plenty of competitive advantages and wide moats. He then screens for those that have faster earnings growth than the broader market as well as high measures of free cash flows. The combination creates a portfolio of stocks primed for long term capital appreciation.And speaking of the long haul, Puglia tends to stick with his winners. For example, he's held Google (NASDAQ:GOOGL, NASDAQ:GOOG) shares for roughly than 15 years. Add in a relatively concentrated portfolio of holdings — at just 128 different stocks — and you have a recipe for one of the best mutual funds to buy. * 10 Tech Stocks to Buy Now for 2025 Perhaps the only hit to TRBCX could be its expense ratio of 0.7%. However, given the continued gains and market-beating record of the fund, the higher than average expense ratio is justified. In the end, TRCBX is proof that active management can work. Vanguard PRIMECAP (VPMCX)Expense Ratio: 0.38%As we said, Vanguard is the index king. But you know what? It's a pretty great active fund manager as well. And the Vanguard PRIMECAP (MUTF:VPMCX) is its top dog.VPMCX is closed to new outside investors, but there is a backdoor. The fund is still open to those investors who have it as a 401k. Those investors should jump on the opportunity to own one of the best mutual funds around.Primecap is run by arguably one of the best sets of active managers in history. And while each of the fund's five managers are responsible for their own sleeve of assets, the idea is the same. PRIMECAP focuses on large- and mid-cap stocks that trade at bargain prices. However, these stocks do have plenty of growth behind them and many have specific growth catalysts that could propel them forward. This could mean an announced massive buyback program, segment disruption or even restructuring efforts.With the fund currently holding 139 different stocks, VPMAX's managers aren't afraid to place their bets on just a few key ones. Top holdings include Adobe (NASDAQ:ADBE) and Southwest Airlines (NYSE:LUV). Better still is that the team at VPMAX tends to hold stocks for the long haul in order to realize those growth catalysts and value creation.The end result? VPMAX has crushed the S&P 500. Over the one, five and 10-year periods, the fund has managed to beat the S&P 500 by over 1% annually. Constant outperformance is what makes Vanguard PRIMECAP a top choice for your 401k. Vanguard Real Estate Index Admiral (VGSLX)Expense Ratio: 0.12%When it comes to real estate mutual funds in a 401k, there really is only one option. And that's the Vanguard Real Estate Index Admiral (MUTF:VGSLX). Luckily, VGSLX is a great option and investors don't really need to look anywhere else.Thanks to its immense size — nearly $70 billion in assets — VGSLX was recently forced to switch indexes to accommodate that heft. It now tracks the MSCI US Investable Market Real Estate 25/50. But that switch may not be a bad thing after all. VGSLX's new index includes previous ignored real estate segments like data centers and timber REITs as well as real estate management firms like CBRE Group (NASDAQ:CBRE). This provides extra diversification and the ability to tap into some niche real estate sectors. All in all, the new index expands the fund's holdings from about 150 to 185 different real estate stocks.It's hard to gauge returns for VGSLX because the index transition is relatively new. However, over the longer term, the fund has done a great job mirroring its exposure and has produced some hefty average annual returns. * Best Stocks for 2019: Q3 Was a Roller Coaster And there's a reason to believe that VGSLX will keep that streak alive. Once again, as a Vanguard index fund, fees are dirt cheap for the fund. VGSLX only charges 0.12% in expenses. Fidelity Low-Priced Stock Fund (FLPSX)Expense Ratio: 0.52%Retirement plans are required to include some specialty mutual funds and diversifiers in their mix. There's a good chance that includes the Fidelity Low-Priced Stock Fund (MUTF:FLPSX), which is good because FLPSX has long been a great performer for investors.The fund is a bit of an odd bird in that manager Joel Tillinghast is forced to buy, as its name implies, low-priced stocks. The fund's mandate requires managers to only buy stocks that are initially trading for under $35 per share. While that may seem crazy, it actually is really smart and helps generate some really big returns over the long haul.For starters, that low price requirement causes FLPSX to buy many small- and mid-cap stocks. Secondly, this requirement tends to skew the portfolio towards value names. The combination puts the mutual fund right in the sweet spot of the market. Small-cap value stocks have traditionally been the market's best performers for decades. And the fact that Tillinghast typically holds onto stocks for a long time only enhances this effect for the fund.What it really does is cause FLPSX to produce some top-notch returns. Over the life of the fund, FLPSX has managed to crush the Russell 2000 Index by nearly four percentage points per year. Meanwhile, the fund has managed to see lower drawdowns versus the index during rough patches such as over the last year.In the end, FLPSX is weird and but funky, and it has been a proven winner in many 401k plans. Vanguard Target Date Retirement SeriesTarget date funds get a bad rap from many investment professionals. And it's easy to see why. Many come layered with fees, under-performing active management and too much or too little risk for timelines. But when they are done right, they can be wonderful core or sole positions in a 401k plan. It's not surprising that Vanguard offers the gold standard.Funds like Vanguard Target Retirement 2050 (MUTF:VFIFX) and Vanguard Target Retirement 2025 (MUTF:VTTVX) offer a blend of stocks and bonds that get more conservative as investors get closer to the date listed in the fund name. The fund's are set up as "through" retirement funds and as such do include stock allocations during retirement.Vanguard uses just four underlying broad index funds to create the asset mix: Vanguard Total Stock Market Index Fund Investor Shares, Vanguard Total International Stock Index Fund Investor Shares, Vanguard Total Bond Market II Index Fund and Vanguard Total International Bond Index Fund Investor Shares.With those four holdings, investors literally own every stock and bond on the planet. The diversification is amazing and supports long term growth until retirement. Even better is that Vanguard does a roll-up fee scheme in that the 0.15% you pay to hold the target date fund is the total fee for everything.All in all, if your plan offers Vanguard's target date funds, it could be the only holding you need to have. And that makes them some of the best mutual funds around for retirement savers.At the time of writing, Aaron Levitt held a position in VFIFX. More From InvestorPlace * 2 Toxic Pot Stocks You Should Avoid * 7 Dividend Stocks to Buy (With Brands You Can Find In Your Kitchen) * 7 Hot & Trendy Generation Z Stocks to Buy * 5 Stocks to Buy in the Mighty Middle The post The 10 Best Mutual Funds for Your 401k appeared first on InvestorPlace.
Yes, You Can Time the Market. Find out How – December 31, 2019
Tue, 31 Dec 2019 15:00:15 +0000
Is the ability to time the markets more of a data-driven science or a 'gut – feeling' art?
Do Adobe's (NASDAQ:ADBE) Earnings Warrant Your Attention?
Mon, 30 Dec 2019 10:34:34 +0000
Some have more dollars than sense, they say, so even companies that have no revenue, no profit, and a record of…
5 Bold Stock Market Predictions for 2020
Fri, 27 Dec 2019 19:16:30 +0000
We are now at the end of 2019, and what a year it has been for the stock market. A year ago, stocks could do no right. They were going through their biggest correction since 2008 amid escalating concerns that a recession was just around the corner. That recession never happened. Instead, throughout 2019, the global economic outlook has only improved.Now, at the end of 2019, stocks can do no wrong. The S&P 500 is up nearly 30% year-to-date and presently sits at record highs.Who called it? I don't mean to brag, but yours truly. In my 10 predictions for the stock market in 2019, my first prediction was that the S&P 500 was going to have its best year this decade. Up nearly 30% year-to-date, the S&P 500 is already having its second best year of the decade, and with just a few more up days, it could end 2019 with its best annual performance since 1997.InvestorPlace – Stock Market News, Stock Advice & Trading TipsAlso in those 10 predictions for 2019, I nailed Disney's (NYSE:DIS) big breakout year (up more than 30% year-to-date), Tesla's (NASDAQ:TSLA) big breakout year (up nearly 30% year-to-date) and huge outperformances from Shopify (NYSE:SHOP), The Trade Desk (NASDAQ:TTD), Adobe (NASDAQ:ADBE), Roku (NASDAQ:ROKU) and Square (NYSE:SQ), among which the average year-to-date gain is over 150%.Now, it's time to unveil my bold predictions for 2020. Will the market have another breakout year? Or will stocks falter after a big 2019? Which stocks will do particularly well? Which stocks won't perform up to par? * 7 Stocks to Buy to Get 2020 Started the Right Way Let's answer those questions, and more, by taking a deep dive into my five boldest predictions for the stock market in 2020. Stock Market Predictions: Stocks Fall FlatSource: Shutterstock Why It Could Happen: I was very optimistic on stocks in late 2018 because awful was priced in, but awful was not the reality. At the end of 2019, though, we have a very different situation. Great is priced in. While great may be the reality today, it may not be the reality throughout the next 12 months.I do believe that U.S.-China trade tensions will continue to ease into the 2020 presidential election, and that those easing trade tensions will provide a meaningful lift to the global economy. But, I also believe that at 17.6-times forward earnings (versus a five-year average multiple of 16.6), a lot of that "lift" is already priced into the S&P 500. It's also worth noting that investors have entirely forgotten about the inverted yield curve. History says that the big pullback in stocks usually doesn't happen until 12-18 months after an inversion. That timeline puts us squarely in the middle of 2020.Why It Might Not Happen: The global economy will improve in 2020 thanks to easing global trade tensions. As it does, corporate leaders will become more confident. They will pour more money into the economy, which will provide more fuel for growth. Against this favorable backdrop, companies across the globe will report far better-than-expected earnings, management teams will lift their guides and analysts will keep pushing up their forward earnings estimates. Given all those favorable tailwinds, valuation might not matter in 2020. Stocks could keep pushing higher behind robust profit growth, with higher forward estimates being a justification for today's premium valuation. Ride-Hailing Stocks Bounce BackSource: Daniel Dror / Shutterstock.com Why It Could Happen: Ride-hailing giants Uber (NYSE:UBER) and Lyft (NASDAQ:LYFT) had awful initial public offerings in 2019. Since then, both stocks have been duds on Wall Street for various reasons, ranging from slowing growth, to extended valuations, to legislative and C-suite noise. In 2020, though, those headwinds should reverse course.At both Uber and Lyft, growth has already slowed meaningfully, with recent quarterly trends implying that this deceleration is moderating and that growth rates could stabilize in 2020. International expansion at Uber and new product launches at Lyft will also help stabilize growth. At the same time, both Uber and Lyft are trading at a fraction of their IPO valuations, so expectations are significantly depressed. Legislative and C-suite noise should also ease. As stabilizing growth trends converge on depressed valuations without any optical noise, ride-hailing stocks could bounce back in a big way in 2020. * 7 Vaping Stocks to Get into Ahead of the Crowd Why It Might Not Happen: UBER and LYFT stock may remain weak in 2020 if their growth trends continue to decelerate and losses continue to widen. This is unlikely. But, there is a chance that ride-hailing tailwinds continue to ease in 2020. The easing of these tailwinds could force even more promotional behavior from Uber and Lyft, the sum of which will result in weaker margins and bigger losses. If that does happen, neither of these stocks will rebound. Cannabis Stocks Will ReboundSource: Shutterstock Why It Could Happen: Pot stocks were killed in 2019. That's thanks to demand headwinds in the Canadian market, margin pressures from black market competition and snail-like progress on the U.S. legislation front. All of those headwinds converged on extended pot stock valuations, and caused companies like Canopy Growth (NYSE:CGC), Aurora (NYSE:ACB) and Cronos (NASDAQ:CRON) to shed more than half of their value.In 2020, the exact opposite could happen. Demand headwinds could turn into tailwinds with the launch of cannabis 2.0 products (edibles and vapes). Margin pressures from black market competition will ease as legal supply and logistics improve. And, U.S. legislation could make meaningful progress as the House just passed the Marijuana Opportunity, Reinvestment and Expungement (MORE) Act. All of those positive developments could converge on what are now discounted valuations in the cannabis category and spark a big rebound rally in pot stocks.Why It Might Not Happen: The 2020 pot stock rebound thesis is entirely predicated on three things: revenue trend improvements, margin trend improvements and U.S. legislation progress. But, revenue trends may not improve if cannabis 2.0 products aren't a hit. Margin trends may not improve if legal supply and logistics improvements aren't sufficient to compete with the black market. And, U.S. cannabis legislation may not make much progress in a Republican-controlled Senate. If those three things don't happen, then pot stocks won't rebound. Nio Stock TriplesSource: Sundry Photography / Shutterstock.com Why It Could Happen: Chinese premium electric vehicle maker Nio (NYSE:NIO) is one of my favorite high-risk, high-reward picks going into 2020 for a few reasons. First, the stock was massively beaten up in 2019, and is well positioned to soar higher on any good news. Second, China's economy will rebound in 2020 after slowing for most of 2018 and 2019, thanks to easing U.S.-China trade tensions. Third, as China's economy rebounds, China's auto market will rebound, too. Fourth, China's EV market will rebound in an even bigger way, because legislation in China remains supportive of EV adoption. Fifth, NIO's sales trends are improving heading into 2020. Sixth, NIO is launching a new car next year, so today's improving sales trends should persist into 2020.Putting all that together, I think NIO stock has a reasonably good chance to more than triple in 2020. * The 10 Worst Dividend Stocks of the Decade Why It Might Not Happen: The rebound thesis in NIO stock is entirely predicated on improving U.S.-China trade relations providing a spark for China's economy and auto sector. If that doesn't happen — and it might not, considering how volatile trade relations have been over the past year — then NIO stock won't rebound, because investor sentiment will remain depressed and sales trends won't accelerate in the way they need to in order to support a multi-bag rally in NIO stock. Beaten-Up IPO Stocks Stage a ComebackSource: Shutterstock Why It Could Happen: Many high-flying IPO stocks hit a brick wall in mid-2019 and have since dropped off a cliff. See Beyond Meat (NASDAQ:BYND), Chewy (NYSE:CHWY), Slack (NYSE:WORK), Pinterest (NYSE:PINS) and Zoom Video (NASDAQ:ZM), among many others. I think most of those stocks will bounce back in 2020.These stocks were inarguably over-hyped following blockbuster IPOs. A few downward catalysts later, and they are all under-hyped. But, these are still great companies, pioneering change across big and valuable industries. Because of this, under-hype won't stick around for long. These beaten up IPO stocks will bounce back in 2020, behind sustained robust growth. Of note, I particularly like Beyond Meat and Pinterest as potentially 100%-plus upside candidates for 2020.Why It Might Not Happen: The batch of 2019 IPO stocks may remain weak in 2020 if: 1) interest rates move materially higher and create bigger valuation pressure on growth stock valuations, 2) broader stock market sentiment turns cautious amid choppy U.S.-China trade relations, and/or 3) these companies fail to make progress on the profitability front (pretty much all of them run losses today). As such, while IPO stocks look good for a big rebound in 2020, there are also multiple risks to that rebound thesis.As of this writing, Luke Lango was long TSLA, SHOP, TTD, ADBE, ROKU, SQ, LYFT, CGC, NIO, BYND, CHWY and PINS. More From InvestorPlace * 2 Toxic Pot Stocks You Should Avoid * 7 Stocks to Buy to Get 2020 Started the Right Way * 10 Best ETFs for 2020: The Competition Is Stacked Full of Potential * 4 Gold Stocks to Buy as the Yellow Metal Surges The post 5 Bold Stock Market Predictions for 2020 appeared first on InvestorPlace.
Also on Market Tamer…
Follow Us on Facebook