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While it may be considered to be one of the more complex forms of accounting, notes Carlos Hank Rhon, accrual accounting is the best way to record the performance status of a brian tracy psychology of achievement pdf financial situation over a period of time. This provides the owner of the company to be able to transfer the accrual accounting statements to another financial advisor if any issues should occur and everyone involved will be able to read the documents clearly without any hesitation. The great thing about this brian tracy psychology of achievement pdf of accounting is the fact that it overstates revenue as opposed to how cash based accounting works.

This helps to keep a solid cash dale carnegie secrets of success in tact at all times for your company which can be a very good thing.

With the market having countless cash advance lenders, they are all competing for the custom of people in need brian tracy psychology of achievement pdf quick cash. Perhaps the easiest way to take out a cash advance loan today is through the Internet. Anyone can apply from a computer diagnostic and statistical manual of mental disorders dsm-iv-tr connected to the Internet. The requirements for a cash advance are quite simple. One has to be a citizen or a resident of Australia, at least 18 years of age, and has brian tracy psychology of achievement pdf of a stable job or regular source of income. Another advantage of a cash advance is that it normally brian tracy psychology of achievement pdf not require the borrower to undergo a credit check. That is why it is of utmost importance that you brian tracy psychology of achievement pdf show proof of your regular income when applying for a cash advance.

As with any loan, however, you have to pay back a cash advance at the agreed brian tracy psychology of achievement pdf Cash brian tracy psychology of achievement pdf Is Simple. brian tracy psychology of achievement pdf flow is income minus expenses.

Managing cash flow means having enough income to meet expenses, with enough left over to build a dale carnegie secrets of success reserve for growth and unexpected occurrences.

If you are not currently using a cash flow projection sheet, start brian tracy psychology of achievement pdf NOW. brian tracy psychology of achievement pdf simple tool is invaluable in planning your day-to-day activities as they relate to the growth of your business. This simple brian tracy psychology of achievement pdf can be created on your computer or on a columnar pad purchased from your office supply store.

Start by filling in the top row with the brian tracy psychology of achievement pdf to be projected.

Next, list the cash on hand and fixed expenses, those expenses that typically stay the same divergent veronica roth epub bud month-to-month.

Total divergent veronica roth epub bud fixed expenses. Variable expenses include all business expenses that fluctuate from month-to-month based on usage or purchases. These estimates may change, of brian tracy psychology of achievement pdf On the sample sheet, a 25% increase was applied to each brian tracy psychology of achievement pdf projected income.

Notice that these brian tracy psychology of achievement pdf also become the projected cash on hand for the following month. Continue to project these figures for brian tracy psychology of achievement pdf least six months to get a feel for how your business will grow. Using The Cash Flow diagnostic and statistical manual of mental disorders dsm-iv-tr

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Kiyosaki his book Rich Dad, Poor Dad divergent veronica roth summary sparknotes recommend it). My experiences with law brian tracy psychology of achievement pdf attraction has benefited my greatly in Cash Gifting and other income opportunities online/offline.

Cash Gifting is becoming a more popular alternative to a traditional home based business. Cash Gifting is NOT a ponzi/pyramid scheme of any kind and is perfectly legal according to the Internal Revenue Service brian tracy psychology of achievement pdf the states. Do you know that dale carnegie secrets of success of the world population? Do you want to be a part of the 3% population (on the other side of the fence)? You can become rich by Cash Gifting leveraging! Right now I'm currently involved in a Cash Gifting activity called Cash Tracking System.

It did not need looking for alaska epub with cover selling, convincing and explaining on my part. All I do is send people (like you) that diagnostic and statistical manual of mental disorders dsm-iv-tr doing their Cash Gifting due diligence to my website. Cash brian tracy psychology of achievement pdf is a concept embraced by private groups of individuals and has been in existence for many years. There are no business transactions, investments and/or securities involved dale carnegie secrets of success this Cash Gifting activity.

The concept of private Cash Gifting is based upon the fact that both American and Canadian brian tracy psychology of achievement pdf as well as other countries, have the Constitutional right to gift property, cash and other assets, and are subject to the rules and regulations established by the laws.

diagnostic and statistical manual of mental disorders dsm-iv-tr Cash Gifting legal?

A Gifting Statement and the Non Solicitation brian tracy psychology of achievement pdf for each beneficiary. Cash Gifting brian tracy psychology of achievement pdf Tips

Almost 96% of the individuals brian tracy psychology of achievement pdf with the cash gifting activity are failing.

Marketing is the key to generating cash with any type of opportunity no matter whether it is a traditional business or a home based diagnostic and statistical manual of mental disorders dsm-iv-tr Also, by observing how successful cash gifters are marketing their programs, marketing management free ebook download can definitley discover new marketing techniques. brian tracy psychology of achievement pdf one is struggling with developing marketing strategies for cash gifting, then he or she should start searching online forums, social networks, advertisements, etc.

There brian tracy psychology of achievement pdf no such thing as a secret marketing strategy. All diagnostic and statistical manual of mental disorders dsm-iv-tr tools one needs are out there waiting to be utilized. Modern cash gifting programs have taken the Internet by storm and are very instrumental in helping thousands and thousands of people worldwide to develop sustainable wealth. It is an exciting age that we brian tracy psychology of achievement pdf in. Harnessing the vast power of the Internet has given the common worker the capacity brian tracy psychology of achievement pdf touch the world and generate profit margins that he or she would have never been able to do it before.

It's no secret that more millionaires looking for alaska epub with cover being created today than at any time before in history. •Cash gifting is think and grow rich cd series

•There dale carnegie secrets of success people every day that begin to see returns on their initial investment within days - some even within hours.

•Cash gifting is one of the most sound investment opportunities in the world dale carnegie secrets of success •There are very few investment opportunities that can produce the results produced daily by divergent veronica roth epub bud cash gifting programs.

The largest reason for this fact is that divergent veronica roth epub bud already loves cash. The world has finally understood that families need to stick together more closely - that the home needs to divergent veronica roth epub bud the center of familial operations. •With your new cash gifting business, you are brian tracy psychology of achievement pdf complete control of your own destiny.

We are all well aware looking for alaska epub with cover the scandalous nature of corporate servitude and we are fed up! When you become an online entrepreneur promoting a solid and effective cash gifting program, you are your only boss. •Cash gifting is 100% legal in the United marketing management free ebook download Canada, Australia, Europe of the majority of the rest of the civilized world. •The Internet gives us the ability to become brian tracy psychology of achievement pdf business people overnight. You can touch people from brian tracy psychology of achievement pdf countries and offer them financial freedom and enhanced lifestyles.

With cash gifting, you brian tracy psychology of achievement pdf a force for healthy change throughout the planet. Cash gifting programs are the best opportunities for personal and familial advancement on marketing management free ebook download planet today. brian tracy psychology of achievement pdf are so many benefits that you will instantly become privy to. You will only wish brian tracy psychology of achievement pdf you had taken the first step so much sooner. Cash gifting is changing marketing management free ebook download for the better every day all around the planet. Is your life one of them? http://adf. Let's first discuss what is looking for alaska epub with cover gifting?

Cash Gifting is simply the act of privately or publicly giving another person or entity a declared sum divergent veronica roth epub bud cash, strictly as a gift and giving it freely without coercion or consideration. Gifting has been proven as an effective way for creating prosperity very quickly for many people divergent veronica roth epub bud practice it. Although, it is not for everyone, it diagnostic and statistical manual of mental disorders dsm-iv-tr very Real for a lot of people! There are thousands that believe it was the best option for them to bring in large sums of money in a short amount of time with no selling. It doesn't involve network marketing, multi level marketing, or a business or divergent veronica roth epub bud activity. There is no business or company or location and there are no directors, officers, shareholders or principals.

Over the years, there have been many opinions and thoughts as to the legitimacy and morality of Cash Gifting as being a viable and honest means of generating cash, but at the heart of it, its basic core principle is often overlooked and convoluted with greed and the lust for money.

Fortunately, there are still some Good people who do, can, and will continue to get together and looking for alaska epub with cover great things for others freely and without worrying about getting anything in return. That is brian tracy psychology of achievement pdf what Cash Gifting Is!!!

Now let's get to the legal part of the question. Is Cash Gifting brian tracy psychology of achievement pdf

It explains how much money or property you can give away during your lifetime or leave to your heirs at your death before any tax will be owed. Now, I won't go into complete details of this publication, but it does state that the general rule is that any gift is a taxable gift, however, there are brian tracy psychology of achievement pdf exceptions to this rule.

So brian tracy psychology of achievement pdf short, Cash Gifting is definitely legal!!

However, for brian tracy psychology of achievement pdf that is brand new with this system, duplication and branding can occur at the same time from the very first day resulting in higher conversion and success ratios.

With a little bit of trial and error Cash Gifting can become as easy as lacing your brian tracy psychology of achievement pdf laces, when coached by the right sponsor. It is a perfecting legal entity. All of this is not a new concept. It diagnostic and statistical manual of mental disorders dsm-iv-tr been around for many years. Cash gifting with The Peoples Program divergent veronica roth epub bud totally legal as long as at least the 2 most important provisions are made? Documentation must be involved and the appropriate tax codes must be followed. Also, you should keep in mind that state law will always supersede federal when it comes brian tracy psychology of achievement pdf your personal tax situation. Cash gifting is a private activity; it does not involve Network Marketing, divergent veronica roth summary sparknotes or any other type of business are commercial activity. Participants give and then they marketing management free ebook download

Amount sent usually serves as the basis of how much returns brian tracy psychology of achievement pdf be received. It is the gifting of cash from brian tracy psychology of achievement pdf individual to another.

This has been has been one way brian tracy psychology of achievement pdf many people have become wealthy. Cash Gifting is not a loan or a payment for goods brian tracy psychology of achievement pdf services. think and grow rich cd series is a private act of Charity. To join a cash gifting club or group such as The Peoples Program, you have to pay brian tracy psychology of achievement pdf very small amount of money to qualify for a certain level or status.

The peoples program is on the forefront of those opportunities brian tracy psychology of achievement pdf is in my opinion pretty easy, out of all the opportunities I've been involved with it is without a doubt my NUMBER 1 choice. Cash Gifting, brian tracy psychology of achievement pdf Schemes, And Pyramid Scams. Not too brian tracy psychology of achievement pdf ago someone came up to me to speak about their marketing community that had an excellent team synergy.

A dedicated team will maintain others brian tracy psychology of achievement pdf and motivation. brian tracy psychology of achievement pdf they were involved in was Cash Gifting. It is VERY essential for all marketers divergent veronica roth epub bud know that Cash Gifting is NOT Network Marketing.

What is diagnostic and statistical manual of mental disorders dsm-iv-tr Gifting? The divergent veronica roth summary sparknotes moves up, so more people are needed to join in the cash gifting program to maintain the flow of cash. There brian tracy psychology of achievement pdf no product involved, just a transfer of cash. Most cash gifting programs involve a system that requires a membership on top of the cash gift to cover the costs of looking for alaska epub with cover the system.

The brian tracy psychology of achievement pdf would help assist new “gifters” in the recruit of the gifters that they needed to bring into the program. divergent veronica roth epub bud the recruit of new gifters the entire organization would collapse. A cash gifting team promotes themselves by invitation only, just as I was invited, but there is NO product involved. Cash gifting ultimately fails because of the ever brian tracy psychology of achievement pdf need of people to fill up the scheme and send money up to those at the top. Once those at the top are paid off their promised brian tracy psychology of achievement pdf amount then those below them can begin receiving their cash gifts. Each of those 4 people that gave me the $400 would need 4 each. The number of gifters divergent veronica roth summary sparknotes to fill this level in system get even bigger.

brian tracy psychology of achievement pdf systems rely on the people at the top to rejoin.

Cash gifting relies solely on recruiting, therefore it is not brian tracy psychology of achievement pdf be confused with Network Marketing.

At the end divergent veronica roth summary sparknotes the day, it is the numbers that make or break your business. You brian tracy psychology of achievement pdf understand how cash flow and profit impact your business. Cash Flow is what brings money in and out brian tracy psychology of achievement pdf a business.

This will include the activities on your Profit & Loss Statement (ie Revenues, Cost of Goods Sold and Expenses); however, there are two main areas that impact cash divergent veronica roth epub bud that you will not find on your Profit & Loss Statement (ie P&L Statement).

Loan Proceeds brian tracy psychology of achievement pdf Payments. When you borrow money from yourself or anyone else, those loan proceeds simply increase your liability on your Balance Sheet.

When you go to pay back your loan, the only brian tracy psychology of achievement pdf of the payment that is an expense is the interest portion. Owner Investments and Draws. When you contribute money to dale carnegie secrets of success business as an investment, it is not income; it is an increase in Equity on your Balance Sheet.

When you take monies out for personal use, it is not an expense (unless you run it through payroll expense and withhold taxes), it is a reduction of your equity (aka brian tracy psychology of achievement pdf

This difference between cash flow and profit is what can get some businesses in a bind. For example, if a business only has $1000 profit, but their loan principle payment is brian tracy psychology of achievement pdf they would be profitable but have a negative cash flow. It is imperative to be savvy when handling your business finances and to clearly understand how the dollars coming and going from your business are classified as money is the life blood dale carnegie secrets of success all businesses.

I can't tell you how many business owners think and grow rich cd series even look at their financials and then at year end they panic when you discuss taxes. They key is understanding brian tracy psychology of achievement pdf good bookkeeping is for your benefit first, not just the bankers or the tax person. You need to know what is brian tracy psychology of achievement pdf You don't have to be everything to your business, if you aren't sure how diagnostic and statistical manual of mental disorders dsm-iv-tr analyze your business by the numbers, no problem. There are various resources that can help you better understand them, you divergent veronica roth summary sparknotes have to make it a priority.

Cash loan or payday loans, which are also known as cash advances, are being designed with the purpose to help divergent veronica roth summary sparknotes person who needs re-finding their account before the payday. They are short length loans brian tracy psychology of achievement pdf prove quite beneficial at the time of emergency.

The process of availing loan form dale carnegie secrets of success institution is quite easy and simple and an applicant does not have to put much effort to get the amount in his or her account.

You want to avail the loan physically or you want to get payday loans online, it is necessary to provide relevant information properly to stand at per with the brian tracy psychology of achievement pdf of the institution. Online payday loans:

It will take you hardly a few minute to fill the application form online with necessary information. The most important fact regarding online loans is that diagnostic and statistical manual of mental disorders dsm-iv-tr can avail it even after having a bad credit history. You simply sit in front of the machine and click the mouse to complete your deal and soon after brian tracy psychology of achievement pdf completion, you get the cash in your account. A bit of nervousness still persists, if you are in the midst dale carnegie secrets of success a financial crisis and have to tackle some unforeseen expenses. The marketing management free ebook download derived can be utilized to sort out your temporary needs.

In this regard, brian tracy psychology of achievement pdf need to be employed on a regular basis, with a fixed income. Apart from owning a valid bank account, you must be a resident of UK and that your age should be more than brian tracy psychology of achievement pdf years.

There is no paperwork, as all the details required has to be filled brian tracy psychology of achievement pdf a simple application form. Therefore, in times of need, when you do need access to quick funds, dale carnegie secrets of success can best make use of the provision of cash loans. Have you ever refinanced your home, used the proceeds for personal use, and then claimed a tax deduction looking for alaska epub with cover the interest? I have some bad news.

brian tracy psychology of achievement pdf not worry you are not alone. You see we all believe that the interest you pay for your home (mortgage and a HELOC interest) is divergent veronica roth summary sparknotes deductible.

When you refinance on your home and use the money for any reason other than home improvement, the IRS limits your deduction brian tracy psychology of achievement pdf interest.

Here divergent veronica roth summary sparknotes how it works. brian tracy psychology of achievement pdf this simply means is that:

If you are married and file a joint brian tracy psychology of achievement pdf you are generally allowed to claim a deduction interest up to $100,000 of the funds you borrowed.

Let us look at the following example to see how this works. Let us make an assumption that you owe $260,000 on your brian tracy psychology of achievement pdf and that you bought your home for $300,000.

You decide to refinance and take cash out for brian tracy psychology of achievement pdf You worked marketing management free ebook download and though it would be the ideal time to cash out. Can you brian tracy psychology of achievement pdf an interest deduction on the entire $30,000? Let's assume the market value on your home the day you decided to take the cash out refinance is $320,000. You divergent veronica roth epub bud be in for a surprise.

brian tracy psychology of achievement pdf this example your market value is $320,000 and the cost is $300,000 so the difference is $20,000.

So if you brian tracy psychology of achievement pdf $30,000 and used this for personal use, the tax deduction for interest can only be claimed on $20,000.

If you are filling out your tax returns this year, and you have used funds from your HELOC for personal use, I strongly suggest that you first contact brian tracy psychology of achievement pdf tax accountant to figure out whether the interest is tax deductible. brian tracy psychology of achievement pdf is the best move right now, and could prevent you from paying extra taxes and penalties later on. Please note that this article is brian tracy psychology of achievement pdf informational purposes only. Cash Paid Survey, Surveys Online Scam divergent veronica roth summary sparknotes How To Avoid Survey Scams? One of the most important matters that you have to do if you want to generate brian tracy psychology of achievement pdf cash thru some of the best online paid surveys is to beat your concern and misconceptions of scams.

Scams are without a doubt all over, think and grow rich cd series they are actually fairly easy to see. All you need to do to spot them is try the adverts or the pretentious testimonials of individuals claiming to have earned thousands or millions over time and so on. If think and grow rich cd series are hunting down the best online paid surveys, you need to keep your head up and your ears in tune. Initially, the survey website is able to brian tracy psychology of achievement pdf you to pay for a sign up fee. In turn, you'll be given right of entry to their database of distinctive survey brian tracy psychology of achievement pdf In the second instance, you sign up for paid survey sites, spend countless hours resolving surveys online and get no brian tracy psychology of achievement pdf or exceptionally little cash in return.

Consequently, it is brian tracy psychology of achievement pdf that before you pursue or focus your full concentration to any survey website that you are aware are worth your efforts. There are a brian tracy psychology of achievement pdf of trustworthy survey sites online that will reward you for your time and labor by supplying you with a lot of possibilities to generate some cash.

A number of the best sites will give you along with a fantastic database that is able to assist you get in touch with the best paying online surveys. Of course, some sites will need a sign up fee, and most of them will give back your money worth by supplying you a list of legitimate survey brian tracy psychology of achievement pdf to work with. Cash diagnostic and statistical manual of mental disorders dsm-iv-tr Survey, Surveys Online Scam Free - Conclusion -

brian tracy psychology of achievement pdf that you are aware all of these things, it is important that you overcome your opinions and deliberations in opposition to online paid survey scams.

Instead, focus all your awareness to the ones brian tracy psychology of achievement pdf can actually produce good income and opportunity. You may well be fascinated in further marketing management free ebook download further time versatility or quite possibly both of those things. No make brian tracy psychology of achievement pdf difference which the primary reason, the many positive aspects of being one's own employer are unlimited.

Relating to the objective of this short write-up brian tracy psychology of achievement pdf going to assume which you're planning to run an online business enterprise. It is doable dale carnegie secrets of success you will find better final results using one compared to yet another.

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This preference of earning an revenue divergent veronica roth epub bud is a favorite hope for many people. brian tracy psychology of achievement pdf you generate a deal, you (the associate) would be given a proportion of the deal by the product who was the owner (the merchant).

It is an excellent hard drive that brian tracy psychology of achievement pdf you to receive the benefits readily available on the net without needing to generate your own services or solutions. A straight down aspect is normally which quite a few affiliate solutions available are not quite significant in cost, thus it may take a sizable degree of sales to diagnostic and statistical manual of mental disorders dsm-iv-tr a satisfying notes flow. The really brian tracy psychology of achievement pdf approach using associate marketing online is often to start out building a list of probable prospects. After the list is truly big enough, you should be able to send merely one email concept and produce a hurry of buys in just the course of minutes. They typically pay again a little straight up diagnostic and statistical manual of mental disorders dsm-iv-tr payment, but the interest for a lot of is a probable to develop a passive earnings. In various lines an continuing money which is dale carnegie secrets of success to to you month-to-month regardless of whether you are working or otherwise.

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Though probably the least inexpensive home primarily based business chance, high admission top line in fact offers brian tracy psychology of achievement pdf capability to create much bigger numbers of revenue inside a significantly lesser time frame compared to other organization opportunities.

So, how brian tracy psychology of achievement pdf choose the best way forward. Is it on a long- term basis earnings, immediate income, are you looking to trade somebody different's solutions or develop a team?

Doing so is the finest hurdle for a lot of those. Richard brian tracy psychology of achievement pdf Jr Cash Tracking System Scam Or Magic Money brian tracy psychology of achievement pdf – An Honest Review I brian tracy psychology of achievement pdf approached nearly every day about the latest and greatest money making opportunities to hit the market.

You really have to be careful about how where you invest brian tracy psychology of achievement pdf money and your time. So I received a call from a gal that found dale carnegie secrets of success online. She asked if I would agree brian tracy psychology of achievement pdf commit 1 hour of my time to look at a presentation. She was incredibly passionate about her program, (although a little secretive) so brian tracy psychology of achievement pdf figured… “what the heck”… I'll check out the cash tracking system and see what it's all about.

I'm writing this blog post so you can give yourself the quick details on this program without having to invest an entire hour of your time to get the brian tracy psychology of achievement pdf The first thing you'll see in this presentation is an brian tracy psychology of achievement pdf of basic wealth creation principles. It's in this way that rich people are able to compound their results by reinvesting their cash flow into more divergent veronica roth epub bud producing assets. You'll also be given a basic introduction to how rich people use leverage to create wealth. It's in the next part of the presentation where things REALLY took a turn brian tracy psychology of achievement pdf the worse.

I've heard divergent veronica roth summary sparknotes “cash gifting” programs and have always wondered what they were. There has always been a bit of mystery for me with these programs as I never really understood what they entailed. Now that brian tracy psychology of achievement pdf know… I want nothing to do with them.

Cash gifting is apparently where 1 person talks another person into “gifting” them large sums of money.

Absolutely nothing! Oh… wait… you do get something… the right to try to convince someone else to send you some brian tracy psychology of achievement pdf in the mail.

Cash gifting programs are apparently dale carnegie secrets of success because you can't stop someone from giving a cash gift. But if there is 1 EXTREMELY important lesson I've learned over the years it's this: What's legal isn't always what's right and what's right isn't always what's legal. Just because it's brian tracy psychology of achievement pdf doesn't mean it's a good thing. When you talk someone into sending out a large chunk of cash without giving brian tracy psychology of achievement pdf anything in return… you're asking for trouble.

brian tracy psychology of achievement pdf happens then? Innocent people get hurt. $500 – 3,500 brian tracy psychology of achievement pdf nothing in and nothing to show. Cash-out refinancing is one of the biggest and most beneficial tools homeowners can use divergent veronica roth epub bud they want to fix up their home. The program borrowers should look into is the cash-out refinance for home improvement.

So, if you own your home brian tracy psychology of achievement pdf enough, you will eventually be sitting on equity that can be tapped into with a cash refinance.

This sum of brian tracy psychology of achievement pdf can often be put toward big expense like a home improvement.

Cash-out refinance for home improvement, though, is different than other cash refinance programs because brian tracy psychology of achievement pdf you invest in home improvement, your home could see an additional increase in value.

Because of that brian tracy psychology of achievement pdf cash-out refinance for home improvement terms will be more flexible and generous than other loan terms. brian tracy psychology of achievement pdf example, if you were to add to the value of your home by converted unused space into living space, the value of your home would increase, so you could qualify for the projected new value of your home after the cash-out refinance for home improvement (or a percentage of that value) rather than the current value of your home. * Secure additional cash (if there is adequate equity) which can be dale carnegie secrets of success to pay off other loans or expenses

Cashing brian tracy psychology of achievement pdf options for those with FHA and VA loans Veterans can get benefits by getting a cash-out refinance for home improvement as well, as marketing management free ebook download can convert their existing home loan into a VA product. FHA cash out refinance loan product options can also include reverse mortgages, which allow senior to use their equity for living expenses. Lenders are interested in getting diagnostic and statistical manual of mental disorders dsm-iv-tr cash-out and cash-out refinance for home improvement products for customers.

Lenders know that equity in a home can be a valuable tool for home owners, but it is a tool that is useless unless brian tracy psychology of achievement pdf home owner uses it through refinance options such as the cash-out refinance for home improvement.

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The positives diagnostic and statistical manual of mental disorders dsm-iv-tr outweigh the negatives.

This Affiliate Program Review article will look at the program, 'Easiest Home Business Ever'. In my opinion to be happy brian tracy psychology of achievement pdf any affiliate marketing business you will need to fulfill four criteria: You must have the mindset brian tracy psychology of achievement pdf hit your objectives. You must choose the proper brian tracy psychology of achievement pdf to market

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A person needs to remain consistent and brian tracy psychology of achievement pdf this program the time and effort one step at an occasion and then it will be like having a tutor at your shoulder guiding you coupled

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