This is a snapshot of a company’s profitability. It’s a way for companies to track revenue generation over a short or long period. With this information, a company or investor can analyze the business’s past and present performance. It can help determine whether or not the business needs to re-evaluate its operations and product models or if an investor should invest in a company.
When it comes to evaluating an investment, if one company in a specific industry is generating an ARPU of $5 and another company is generating an ARPU of $3, the first company could be a more attractive investment. Similarly, if the trend of a company’s ARPU is increasing, it’s worth looking at how the company’s stock has performed. Additional investment research can determine how the company’s stock price is appreciated.
Average Revenue Per Paying User (ARPPU)
ARPPU is used to determine the average revenue from a company’s paying customers only. To contrast this measurement type, ARPU factors in all users.
Assume the following: A business had revenue of $2 million, an average user base of 1 million, and an ARPU of $2.
If, however, we’re looking at the ARPPU, we need to take out the non-paying user base. If the non-paying user base is determined to be 425,000, the remaining paying base is 575,000. Use the following formula to calculate ARPPU:
ARPPU = Period of Recurring Revenue/Active Paying Users during the same measurement period
ARPPU = $2 million/575,000 = $3.48 per active paying user
Interpreting ARPPU
When the ARPPU is low, this indicates the business’ products or services aren’t well received by customers and those to whom it is marketing. A higher ARPPU indicates a company’s marketing efforts, products, and services are received well by customers. Similar to ARPU, results from ARPPU can be analyzed for trends to see when products or services are well received; and then investigated to determine whether it is influenced by the sales and marketing, customer service, product quality, etc.
Whichever way a business analyzes its sales and revenue generation processes, taking multiple approaches can provide different perspectives to help owners and employees determine when and where to make improvements to its operations.
Two Ways to Measure Revenue Per User
November 1, 2023 · Blog, General Business News, Uncategorized
⏱ 3 min read
When it comes to measuring revenue, it’s essential that businesses analyze it from a variety of perspectives. While there’s revenue and net income on an income statement to show a company’s quarterly financials, another way to measure it is through ARPU (average revenue per user) and ARPPU (average revenue per paying user).
Defining ARPU
ARPU is the average revenue per customer or per unit. It looks at how much revenue is earned over a particular timeframe (multiple times a month, quarter, half-year, or 12 months) divided by the average patron during the same timeframe. This can be applied to many different types of companies, including social media and software as a service (SaaS). It’s calculated as follows:
ARPU = Total revenue/Average units or subscribers
ARPU = $10,000,000/100,000 = $100
Interpreting ARPU
This is a snapshot of a company’s profitability. It’s a way for companies to track revenue generation over a short or long period. With this information, a company or investor can analyze the business’s past and present performance. It can help determine whether or not the business needs to re-evaluate its operations and product models or if an investor should invest in a company.
When it comes to evaluating an investment, if one company in a specific industry is generating an ARPU of $5 and another company is generating an ARPU of $3, the first company could be a more attractive investment. Similarly, if the trend of a company’s ARPU is increasing, it’s worth looking at how the company’s stock has performed. Additional investment research can determine how the company’s stock price is appreciated.
Average Revenue Per Paying User (ARPPU)
ARPPU is used to determine the average revenue from a company’s paying customers only. To contrast this measurement type, ARPU factors in all users.
Assume the following: A business had revenue of $2 million, an average user base of 1 million, and an ARPU of $2.
If, however, we’re looking at the ARPPU, we need to take out the non-paying user base. If the non-paying user base is determined to be 425,000, the remaining paying base is 575,000. Use the following formula to calculate ARPPU:
ARPPU = Period of Recurring Revenue/Active Paying Users during the same measurement period
ARPPU = $2 million/575,000 = $3.48 per active paying user
Interpreting ARPPU
When the ARPPU is low, this indicates the business’ products or services aren’t well received by customers and those to whom it is marketing. A higher ARPPU indicates a company’s marketing efforts, products, and services are received well by customers. Similar to ARPU, results from ARPPU can be analyzed for trends to see when products or services are well received; and then investigated to determine whether it is influenced by the sales and marketing, customer service, product quality, etc.
Whichever way a business analyzes its sales and revenue generation processes, taking multiple approaches can provide different perspectives to help owners and employees determine when and where to make improvements to its operations.
Disclaimer
These articles are intended to provide general resources for the tax and accounting needs of small businesses and individuals. Service2Client LLC is the author, but is not engaged in rendering specific legal, accounting, financial or professional advice. Service2Client LLC makes no representation that the recommendations of Service2Client LLC will achieve any result. The NSAD has not reviewed any of the Service2Client LLC content. Readers are encouraged to contact a professional regarding the topics in these articles. The images linked to these articles are protected by copyright and should not be copied for any reason.
According to research on the global super apps market, the value of the market in 2022 was $58.6 billion. The market size value is expected to reach $722.4 billion by 2032. This signals the enduring presence of super apps, requiring businesses to adapt in order to maintain their competitive edge.
The Impact on Traditional Business Models
Super apps have challenged established business models in many industries, including finance, retail, and transportation, among others. In retail, super apps often include marketplaces that offer users a wide range of products and services. This has disrupted traditional brick-and-mortar retailers and standalone e-commerce platforms. As users spend more time within super apps, they are less likely to use separate e-commerce apps, leading to a shift in the retail landscape.
In finance, super apps frequently integrate financial services, such as mobile payments, digital wallets, and personal financial management. This has upset traditional banking models by offering a more accessible and user-friendly way to manage money. The convenience and speed of financial transactions within super apps are compelling, drawing users away from traditional banking.
In transportation, super apps have revolutionized the industry with ride-sharing and mobility services. Traditional taxi companies and car rental agencies are facing stiff competition from these apps, which offer efficient, cost-effective, and user-friendly alternatives for getting around.
Super apps have also transformed the food and delivery industry by offering a seamless way to order meals, groceries, and other goods. This has challenged traditional restaurants and grocery stores to adapt to the changing market dynamics.
How Businesses Benefit from Super Apps
Super apps provide a platform for businesses to reach a vast and diverse user base, leading to increased brand awareness and customer acquisition. They also allow businesses to upsell and cross-sell existing products or services to their customers, increasing sales.
By offering a wide range of services, super apps create new revenue streams for businesses and increase customer loyalty as users can access all their favorite services in one app.
By bringing together multiple service providers inside their ecosystem, super apps promote cooperation and innovative ways to solve client problems.
Businesses may invest in joint ventures and collaborations with other businesses using the super app, resulting in the development of distinctive products and value-added services.
Super apps simplify processes for businesses by bringing together multiple service providers. This lets businesses give undivided attention to their core competencies and leave other services to the super app.
Super apps allow businesses to build stronger brand loyalty by providing a more convenient, personalized, and cost-effective user experience.
Super apps can help businesses reduce costs by eradicating the need to develop and maintain multiple standalone mobile apps. Besides, building a single super app is less expensive than managing multiple apps, and it allows developers to focus on a single product and eradicate unnecessary costs involved in the app development process.
Conclusion
Super apps are here to stay, and their impact on traditional business models is undeniable. They offer users unparalleled convenience, forcing traditional businesses to rethink their strategies. To thrive in this evolving landscape, businesses need to embrace digital transformation, innovate, and consider how they can leverage the reach and capabilities of super apps to their advantage.
Super Apps and Their Impact on Traditional Business Models
November 1, 2023 · Blog, Uncategorized, What’s New in Technology
⏱ 5 min read
As technology advances, users crave convenient and feature-rich solutions. In mobile app development, the concept of super apps is taking the tech world by storm. These apps include a wide range of services within a single platform, such as messaging, payments, ride-hailing, food delivery, and more. Super apps have disrupted traditional business models by providing a more convenient, personalized, and cost-effective user experience.
Defining Super Apps
Super apps are powerful, multifunctional platforms that offer numerous services, from transportation and finance to e-commerce and social networking, all within a single application. This is unlike standalone apps, where each focuses on a specific function, like the video-sharing service YouTube. The super apps allow users to access different services without downloading them to their devices and without switching between numerous applications.
Super apps, a term popularized by WeChat in China, represent a new breed of applications that provide a centralized hub for users to access various services. They usually start as one service before evolving to include several mini-services. For example, WeChat began as a messaging and social media app. WeChat now has more features, including mobile payments, ride-hailing, entertainment, and an e-commerce platform, among other features.
One of the primary factors contributing to the rise of super apps is the shift in consumer behavior. Users increasingly favor a one-stop-shop experience, where they can perform different tasks without switching between multiple apps. This convenience has made super apps highly popular, becoming an essential part of the digital ecosystem in many countries.
The adoption of super apps in the West has been slower and more fragmented compared to Asia. While user preferences are shifting toward integrated digital experiences, regulatory and market dynamics have challenged the widespread adoption of super apps. However, elements of the super app model are gradually being incorporated into existing Western apps as companies explore ways to provide users with a broader range of services within their ecosystems. A good example is the acquisition of Twitter, rebranded to X by Elon Musk, intending to turn it into an everything app.
According to research on the global super apps market, the value of the market in 2022 was $58.6 billion. The market size value is expected to reach $722.4 billion by 2032. This signals the enduring presence of super apps, requiring businesses to adapt in order to maintain their competitive edge.
The Impact on Traditional Business Models
Super apps have challenged established business models in many industries, including finance, retail, and transportation, among others. In retail, super apps often include marketplaces that offer users a wide range of products and services. This has disrupted traditional brick-and-mortar retailers and standalone e-commerce platforms. As users spend more time within super apps, they are less likely to use separate e-commerce apps, leading to a shift in the retail landscape.
In finance, super apps frequently integrate financial services, such as mobile payments, digital wallets, and personal financial management. This has upset traditional banking models by offering a more accessible and user-friendly way to manage money. The convenience and speed of financial transactions within super apps are compelling, drawing users away from traditional banking.
In transportation, super apps have revolutionized the industry with ride-sharing and mobility services. Traditional taxi companies and car rental agencies are facing stiff competition from these apps, which offer efficient, cost-effective, and user-friendly alternatives for getting around.
Super apps have also transformed the food and delivery industry by offering a seamless way to order meals, groceries, and other goods. This has challenged traditional restaurants and grocery stores to adapt to the changing market dynamics.
How Businesses Benefit from Super Apps
Super apps provide a platform for businesses to reach a vast and diverse user base, leading to increased brand awareness and customer acquisition. They also allow businesses to upsell and cross-sell existing products or services to their customers, increasing sales.
By offering a wide range of services, super apps create new revenue streams for businesses and increase customer loyalty as users can access all their favorite services in one app.
By bringing together multiple service providers inside their ecosystem, super apps promote cooperation and innovative ways to solve client problems.
Businesses may invest in joint ventures and collaborations with other businesses using the super app, resulting in the development of distinctive products and value-added services.
Super apps simplify processes for businesses by bringing together multiple service providers. This lets businesses give undivided attention to their core competencies and leave other services to the super app.
Super apps allow businesses to build stronger brand loyalty by providing a more convenient, personalized, and cost-effective user experience.
Super apps can help businesses reduce costs by eradicating the need to develop and maintain multiple standalone mobile apps. Besides, building a single super app is less expensive than managing multiple apps, and it allows developers to focus on a single product and eradicate unnecessary costs involved in the app development process.
Conclusion
Super apps are here to stay, and their impact on traditional business models is undeniable. They offer users unparalleled convenience, forcing traditional businesses to rethink their strategies. To thrive in this evolving landscape, businesses need to embrace digital transformation, innovate, and consider how they can leverage the reach and capabilities of super apps to their advantage.
Disclaimer
These articles are intended to provide general resources for the tax and accounting needs of small businesses and individuals. Service2Client LLC is the author, but is not engaged in rendering specific legal, accounting, financial or professional advice. Service2Client LLC makes no representation that the recommendations of Service2Client LLC will achieve any result. The NSAD has not reviewed any of the Service2Client LLC content. Readers are encouraged to contact a professional regarding the topics in these articles. The images linked to these articles are protected by copyright and should not be copied for any reason.
Travel to high-cost locations is $309 ($297 prior year)
Travel to other locations is $214 ($204 prior year)
Incidental expense stay is the same at $5 per day, regardless of location
*Taxpayers in the transportation industry are subject to special rates
New Business Travel Per Diem Rates Announced for 2023-2024
November 1, 2023 · Blog, Tax and Financial News, Uncategorized
⏱ 3 min read
New per diem rates were recently announced by the IRS and are effective for per diem allowances on or after Oct. 1, 2023. These updated rates include changes for the transportation industry, incidental expenses as well as the high-low substantiation method. Before we dive into the detailed changes impacting per diem rates, let’s revisit the concept of the per diem in general.
To Per Diem or Not to Per Diem
There are two basic ways that employees can be reimbursed for business travel expenses. The first is a direct reimbursement of the actual expenses. The second is the per diem method.
Direct actual expense reimbursement is exactly what it sounds like. For example, a sales employee pays for a plane ticket and meals during a customer visit and then submits an expense report with the receipts as backup. Typically, a company will have a travel and expense policy that limits the expenses allowed – no Michelin star restaurants or first-class flights, for example. Other than this, direct expense reimbursement is simple and straightforward.
The second expense reimbursement method is called the per diem method. The per diem method is basically a pre-package policy of controls for both spending and tax purposes.
Fundamentals of Per Diems
Per diem is Latin for the term for each day. In practice, it is a daily allowance granted to each employee. It covers travel and related business expenses, allowing a fixed amount to cover business travel expenses.
Per diem policies can cover only three types of expenses: lodging, meals, and incidentals (anything else must be directly reimbursed). A per diem policy does not need to cover all three, however. An employer can use the per diem only for meals, for example, and deal with lodging under the direct actual expense reimbursement method. Also, the per diem method cannot cover transportation expenses or mileage reimbursement.
Taxation of Per Diems
Per diems are generally not taxable, and no withholding tax on the payments is necessary. The exception to this is if an employee does not provide or provides incomplete expense report information – or if you give the employee a flat amount that is in excess of the maximum allowance (with the excess being taxable).
Two Types of Per Diems
Per diem rates can be determined in one of two ways: either the standard rate or using the high-low method.
The standard rate is a fixed rate, whereas the high-low method is based on the cost of living being higher or lower in different locales. Under the high-low method, for example, Boston gets a higher reimbursement than Des Moines to account for this.
2023-2024 Rate Updates
The IRS updates the per diem rates every year. The 2023-2024 rates took effect Oct.1, 2023. They are as follows:*
Travel to high-cost locations is $309 ($297 prior year)
Travel to other locations is $214 ($204 prior year)
Incidental expense stay is the same at $5 per day, regardless of location
*Taxpayers in the transportation industry are subject to special rates
Disclaimer
These articles are intended to provide general resources for the tax and accounting needs of small businesses and individuals. Service2Client LLC is the author, but is not engaged in rendering specific legal, accounting, financial or professional advice. Service2Client LLC makes no representation that the recommendations of Service2Client LLC will achieve any result. The NSAD has not reviewed any of the Service2Client LLC content. Readers are encouraged to contact a professional regarding the topics in these articles. The images linked to these articles are protected by copyright and should not be copied for any reason.
These articles are intended to provide general resources for the tax and accounting needs of small businesses and individuals. Service2Client LLC is the author, but is not engaged in rendering specific legal, accounting, financial or professional advice. Service2Client LLC makes no representation that the recommendations of Service2Client LLC will achieve any result. The NSAD has not reviewed any of the Service2Client LLC content. Readers are encouraged to contact a professional regarding the topics in these articles. The images linked to these articles are protected by copyright and should not be copied for any reason.
These articles are intended to provide general resources for the tax and accounting needs of small businesses and individuals. Service2Client LLC is the author, but is not engaged in rendering specific legal, accounting, financial or professional advice. Service2Client LLC makes no representation that the recommendations of Service2Client LLC will achieve any result. The NSAD has not reviewed any of the Service2Client LLC content. Readers are encouraged to contact a professional regarding the topics in these articles. The images linked to these articles are protected by copyright and should not be copied for any reason.
These articles are intended to provide general resources for the tax and accounting needs of small businesses and individuals. Service2Client LLC is the author, but is not engaged in rendering specific legal, accounting, financial or professional advice. Service2Client LLC makes no representation that the recommendations of Service2Client LLC will achieve any result. The NSAD has not reviewed any of the Service2Client LLC content. Readers are encouraged to contact a professional regarding the topics in these articles. The images linked to these articles are protected by copyright and should not be copied for any reason.
Data Breaches and the Current State of Identity Management
A data breach happens when unauthorized individuals or entities gain access to sensitive information, often for malicious purposes. These breaches can happen to anyone, from individuals to large corporations, and they come with severe consequences that could include financial losses, reputation damage, and identity theft.
The current identity systems are centralized and have inherent vulnerabilities and limitations. These centralized identity systems involve a central authority, such as a government agency or a corporation, storing and managing individuals’ personal information. This means that if a hacker breaches the central authority’s security, he or she gains access to a vast amount of sensitive data.
Furthermore, since the centralized systems often collect extensive personal information, the practice raises concerns about data privacy. The entities storing user data predominantly control and monetize it, which has led to discomfort and distrust among users.
The centralized systems also create a fragmented user experience. This is because different platforms, such as social media, online retailers, news websites, etc., require users to create accounts. Users then must juggle multiple usernames, passwords, and data formats, complicating the digital experience. Businesses also incur high costs associated with ensuring secure systems, the latest infrastructure, and compliance.
How Decentralized Identity Systems Can Help Prevent Data Breaches
Decentralized identity systems are an alternative to centralized identity management. These systems put individuals in control of their own digital identities. The decentralized identity systems are enabled by technologies such as Web3, a concept based on a trust framework for identity management. Web3 evolution has led to decentralized identifiers, and this allows for secure management of user data and authentication through blockchain wallets.
Using blockchain technology ensures the security and immutability of identity data. Once information is added to the blockchain, it cannot be altered or deleted without the user’s consent.
However, they allow users to have control over their identity information. Users choose what data to share and with whom, enhancing privacy and security. There is no need for third parties to verify user identity.
Since users store data on their devices or a location they choose, it eliminates single points of failure. Instead of a centralized authority, identity data is distributed across a decentralized network of nodes. Additionally, these systems use advanced cryptographic keys, allowing only the user to access their data.
Decentralized identity systems are already making an impact in various industries, such as healthcare, financial services, and government services. The security benefits of decentralized identity include:
Enhanced Security
Decentralized identity systems offer robust security measures. With data stored on a blockchain, it becomes exceedingly difficult for hackers to breach the system. Even if one node is compromised, the decentralized nature of the network ensures that other nodes maintain the integrity of the data.
Privacy Control
Users regain control over their personal information. They decide what data to share and retain the ability to revoke access at any time. This puts an end to excessive data collection by corporations and governments.
Reduced Identity Theft and Fraud
Decentralized identity systems make it incredibly challenging for fraudsters to impersonate individuals or access their data. This significantly reduces the risk of identity theft and related fraudulent activities.
New Economic Models Decentralized identity models can create new economic models where consumers are awarded when they choose to share their data with service providers.
While decentralized identity systems offer promising solutions, they are not without challenges. The widespread adoption of decentralized identity systems presents scalability challenges. Another challenge is usability, as complexity can deter individuals and businesses from embracing this technology. The need for a regulatory framework is another challenge, as it is necessary to address factors related to legal and compliance.
Conclusion
Decentralized identity systems offer hope in an age where data breaches are a constant threat. These systems can revolutionize how users secure their digital identities by putting control back into individuals’ hands. While challenges exist, the benefits of enhanced security, privacy control, and reduced fraud make decentralized identity systems a promising solution in the ongoing battle against data breaches.
Securing Your Identity: The Role of Decentralized Identity Systems in Data Breach Prevention
October 1, 2023 · Blog, Uncategorized, What’s New in Technology
⏱ 4 min read
Data breaches have been on the rise as cybercriminals keep coming up with new ways to steal user-sensitive information. Just in the second quarter of 2023, 110.8 million user accounts were breached. Of these accounts, 49.8 million were from the United States, accounting for 45 percent of the global figure. However, amid the rising threats, a revolutionary concept known as decentralized identity systems has created a solution to reduce data breach cases.
Data Breaches and the Current State of Identity Management
A data breach happens when unauthorized individuals or entities gain access to sensitive information, often for malicious purposes. These breaches can happen to anyone, from individuals to large corporations, and they come with severe consequences that could include financial losses, reputation damage, and identity theft.
The current identity systems are centralized and have inherent vulnerabilities and limitations. These centralized identity systems involve a central authority, such as a government agency or a corporation, storing and managing individuals’ personal information. This means that if a hacker breaches the central authority’s security, he or she gains access to a vast amount of sensitive data.
Furthermore, since the centralized systems often collect extensive personal information, the practice raises concerns about data privacy. The entities storing user data predominantly control and monetize it, which has led to discomfort and distrust among users.
The centralized systems also create a fragmented user experience. This is because different platforms, such as social media, online retailers, news websites, etc., require users to create accounts. Users then must juggle multiple usernames, passwords, and data formats, complicating the digital experience. Businesses also incur high costs associated with ensuring secure systems, the latest infrastructure, and compliance.
How Decentralized Identity Systems Can Help Prevent Data Breaches
Decentralized identity systems are an alternative to centralized identity management. These systems put individuals in control of their own digital identities. The decentralized identity systems are enabled by technologies such as Web3, a concept based on a trust framework for identity management. Web3 evolution has led to decentralized identifiers, and this allows for secure management of user data and authentication through blockchain wallets.
Using blockchain technology ensures the security and immutability of identity data. Once information is added to the blockchain, it cannot be altered or deleted without the user’s consent.
However, they allow users to have control over their identity information. Users choose what data to share and with whom, enhancing privacy and security. There is no need for third parties to verify user identity.
Since users store data on their devices or a location they choose, it eliminates single points of failure. Instead of a centralized authority, identity data is distributed across a decentralized network of nodes. Additionally, these systems use advanced cryptographic keys, allowing only the user to access their data.
Decentralized identity systems are already making an impact in various industries, such as healthcare, financial services, and government services. The security benefits of decentralized identity include:
Enhanced Security
Decentralized identity systems offer robust security measures. With data stored on a blockchain, it becomes exceedingly difficult for hackers to breach the system. Even if one node is compromised, the decentralized nature of the network ensures that other nodes maintain the integrity of the data.
Privacy Control
Users regain control over their personal information. They decide what data to share and retain the ability to revoke access at any time. This puts an end to excessive data collection by corporations and governments.
Reduced Identity Theft and Fraud
Decentralized identity systems make it incredibly challenging for fraudsters to impersonate individuals or access their data. This significantly reduces the risk of identity theft and related fraudulent activities.
New Economic Models Decentralized identity models can create new economic models where consumers are awarded when they choose to share their data with service providers.
While decentralized identity systems offer promising solutions, they are not without challenges. The widespread adoption of decentralized identity systems presents scalability challenges. Another challenge is usability, as complexity can deter individuals and businesses from embracing this technology. The need for a regulatory framework is another challenge, as it is necessary to address factors related to legal and compliance.
Conclusion
Decentralized identity systems offer hope in an age where data breaches are a constant threat. These systems can revolutionize how users secure their digital identities by putting control back into individuals’ hands. While challenges exist, the benefits of enhanced security, privacy control, and reduced fraud make decentralized identity systems a promising solution in the ongoing battle against data breaches.
Disclaimer
These articles are intended to provide general resources for the tax and accounting needs of small businesses and individuals. Service2Client LLC is the author, but is not engaged in rendering specific legal, accounting, financial or professional advice. Service2Client LLC makes no representation that the recommendations of Service2Client LLC will achieve any result. The NSAD has not reviewed any of the Service2Client LLC content. Readers are encouraged to contact a professional regarding the topics in these articles. The images linked to these articles are protected by copyright and should not be copied for any reason.
These articles are intended to provide general resources for the tax and accounting needs of small businesses and individuals. Service2Client LLC is the author, but is not engaged in rendering specific legal, accounting, financial or professional advice. Service2Client LLC makes no representation that the recommendations of Service2Client LLC will achieve any result. The NSAD has not reviewed any of the Service2Client LLC content. Readers are encouraged to contact a professional regarding the topics in these articles. The images linked to these articles are protected by copyright and should not be copied for any reason.
These articles are intended to provide general resources for the tax and accounting needs of small businesses and individuals. Service2Client LLC is the author, but is not engaged in rendering specific legal, accounting, financial or professional advice. Service2Client LLC makes no representation that the recommendations of Service2Client LLC will achieve any result. The NSAD has not reviewed any of the Service2Client LLC content. Readers are encouraged to contact a professional regarding the topics in these articles. The images linked to these articles are protected by copyright and should not be copied for any reason.
These articles are intended to provide general resources for the tax and accounting needs of small businesses and individuals. Service2Client LLC is the author, but is not engaged in rendering specific legal, accounting, financial or professional advice. Service2Client LLC makes no representation that the recommendations of Service2Client LLC will achieve any result. The NSAD has not reviewed any of the Service2Client LLC content. Readers are encouraged to contact a professional regarding the topics in these articles. The images linked to these articles are protected by copyright and should not be copied for any reason.