Jake Snelson - Vyde

How to Grow Your Business: Find Your Audience

As a business owner, it can be easy to see dollar signs on things that aren’t actually going to drive revenue for your business. Identifying the markets that are going to be lucrative for your business will help you to define your niche and—more importantly—nail it. It’s tempting to try to reach every customer who could possibly be interested in your products, but taking the time to find your perfect fit will help you to iron out your offering and help your business to be more scalable.

You may think you know your audience, but taking the time to do some market research may surprise you. Take the time to define your niche audience and figure out what it is your customers really want. Knowing this will also help you to know how to talk to your customers in a way that will help them convert. Follow these steps to help you define your niche audience:

If you have current customers, take a good look at your current customer base. Are there similarities in age, gender, income level, occupation, ethnic background, or other areas? Do certain products appeal to certain types of customers? Start writing down all the common ground your customers share.
Take a good look at your products and services. Start dissecting your offering by asking “What does my business’s offering solve for a customer.” Why problems do your customers have that are eliminated by purchasing your product or service? Identify these pain points and write them down. These pain points are essentially why your business does what it does. For example, if you’re running a fashion boutique, a customer problem may be “I don’t feel confident in what I am wearing”. If you’re running an auto shop, a customer problem may be “I don’t have the time, patience, or knowledge to fix my car myself”. Some of the problems you identify may seem obvious, but write them down anyway. Defining these problems will make it easier to see who these problems apply to.
Now that you understand the problems your business solves, start defining who these problems apply to. Who is going to have the greatest need for your products or services? These “personas” are essentially sample customer profiles that will help you to better market your business. Be specific and be realistic. Take into account things like income level, age, and other demographic information when defining this persona. You’ll also want to try to define these personas on an emotional level by thinking about values, personalities, lifestyles, etc.
Once you have some personas defined, reach out to customers to try and get some market feedback. You’ll need to try to get feedback on things like your products, your pricing, your brand, why someone would or would not purchase, etc. You can offer free samples of your products and services as an incentive—and who knows, you may get them hooked on your business!

Once you find your target audience, you’ll be able to nail your marketing and connect with your customers on an impactful level.

Dangers of DIY Accounting

It can be tempting to cut corners when laying the foundation of your business. Most new business owners try to pinch pennies where they can—even in areas they shouldn’t. For almost all businesses, making money is a priority, but how you manage that money is equally important. When you try to manage the accounting and bookkeeping for your business yourself, you may run into trouble. Here are some things to consider before you try DIY accounting for your business.

Time:

When you’ve got a million things on your plate, things can fall through the cracks or get deprioritized. Your business’ bookkeeping should never be put on the back burner. The time spent reconciling reports, figuring out finances, and learning how to keep your books correctly could be put to better use. You should be able to spend time on ways to grow your business, not accounting and bookkeeping.

Incorrect Data Entry:

When you’re busy, rushed, or distracted, it’s easy to enter incorrect data into your books. This incorrect data trickles down into your reporting and business records.

Unreliable Reports:

How can you make business decisions with incorrect data? When your books are wrong, your reports will be too. When your reports are wrong, you can’t make data-driven decisions for your business.

Missed Deductions:

Because you’re a business owner and probably not an accountant, you may not know all the things you can deduct. Missing deductions costs your business money.

Missing Revenue:

Incorrect books can cause you to miss revenue, and you may never know. By having up-to-date, clear financial records, you’ll be able to ensure that you know what is happening with every penny.

Unpaid Invoices:

When your books are messy, you may not notice an unpaid invoice—by you or someone who owes you. Unpaid invoices can collect interest or be found at a time where the budget it tighter than usual.

Underestimate Tax Bill:

When it comes to paying taxes, no one likes to be surprised by a larger number than what they were expecting. Incorrect books can cause a miscalculation and underestimation of your tax bill.

Everything is Legal:

Accountants and bookkeepers are specially trained to be compliant with current laws and regulations. When you DIY your accounting, you may find yourself accidentally breaking the rules and in trouble.

By using a train bookkeeper or accountant, you save time, money, and headache for yourself and your business.

How To Take Advantage of Your Vyde Portal

Here at Vyde, we live by three simple phrases: stay compliant, stay organized, and save on taxes. Our goal is to ensure your small business is compliant with the IRS, your books are organized and you save on taxes during tax season. We accomplish this goal by our Vyde Portal Dashboard. Our portal is the software we use to connect our client’s information with our tax professionals. The portal includes the following:

Vyde Portal Dashboard:

Your financial statements
Bank and credit card reconciliation
Announcements
Instructional videos
To-do list

Vyde Dashboard Portal pages

Home Page: The home page provides a summary of the projects Vyde is working on for you. It gives details of each steps we’re taking, and the steps you need to take to complete your projects. This page also provides announcements for upcoming webinars, articles, reports, events, and other relevant information. The important dates section will keep you informed of any deadlines for taxes.
Bank Accounts: This page allows you to link your business bank and credit card accounts directly. Our easy-to-use software shows you easy steps on how to link those accounts. Once your accounts are linked, Vyde will automatically download those transactions and complete your bookkeeping and reconciliation service.
Financial Reports: Your reports page is a great resource to see where you company stands financially. Your reports page includes an income statement, balance sheet, and a cash flow statement. The income statement, for example, is a perfect document to view your income, expenses and net profit.
My Files: Digital statements can be uploaded on this page. This simple file structure is used to upload all of the files you send us. You can easily drag and drop your files or browse your files.
BootCamp: This page is full of instructional videos regarding bookkeeping, accounting, and taxes. Although Vyde does all the work for you, it is nice to gain as much knowledge about each subject in our BootCamp video page.

Getting started

In order to get started with your Vyde Portal, follow these steps:

Link your business and credit card accounts.
Ask questions.
Respond to us.

Take advantage of your portal and see how you can stay organized, stay compliant and save on taxes. Click here to log into your Vyde Portal. Don’t have a portal? No problem, Click here to try Vyde and our portal for free! If you have further questions about your portal, taxes, accounting or bookkeeping, please reach out to us at [email protected]

Social Media Tips For Your Small Business

Social media has become a game-changer for small businesses. It has become the marketing platform that provides the best results for the lowest cost. Accounts are free and easy to maintain. In this article, we’ll explore five things you can do to get the most out of social media.

Post Consistently

Consistency is key. Those who post consistently are more likely to have better interaction with their audience. A part of being consistent is making sure your business is visible on all major platforms. Make sure you have accounts on Instagram, Facebook, Twitter, and LinkedIn. Youtube is another great option if you often share videos.

Have a Plan

When you plan your posts out by week or by month it makes being consistent easier because you know what you need to post and when. If you struggle to get your posts out on time try using a platform like Hootsuite or Later to pre-schedule your posts. These sites allow you to post on all your social media accounts at once. Hootsuite is user-friendly and allows you to schedule only posts in advance. Later allows you to schedule both posts and stories. Beyond these two, there are several other options for scheduling posts. Find one that best fits your needs.

Use Your Stories

According to SocialMediaWeek.org, Most people scroll through Instagram posts with the sound off, but 70% of them watch Instagram stories with the sound on, 20% of stories result in a direct message from the viewer. Stories on Instagram and Facebook are one of the best ways to engage your audience. They allow your audience to participate in polls, quizzes, open response boxes, and more. It’s a simple way to connect with your customer. Stories disappear after 24 hours, but that doesn’t meant they’re gone forever. You can save stories into highlight sections that remain on the top of your profile page. This is perfect for storing information clients refer to often such as pricing, FAQs, or some of your top content. When people visit your profile page they will likely click on one of your highlights to learn more about what you do. Both stories and highlights are features available on Facebook and Instagram.

Encourage Interaction

In addition to interacting via stories, strive to put a call to action at the end of each post. This lets your audience know what you want them to do because of this post. As valuable as it is for your followers to interact with you, it is also important for you to engage with them. Comment on their posts, respond to their stories, let them know you’re not just a computer spitting out content, you’re present, and willing to interact. Engaging with your customers online helps foster relationships that help small businesses thrive.

Stick to Your Brand

If you don’t have a branding guide, create one. Pinpoint the fonts, colors, textures, and common photos you use in your posts. Save them into one convenient folder to refer to later. When you post using the same colors, fonts, etc, it gives the visual clues needed to establish consistency and create a recognizable brand. Your followers should be able to see your post and identify that it was posted by your business without seeing your profile tag at the top of the post. Canva is a wonderful design website that makes brand consistency easy. There are free and paid options for this service.

Social media can make a big difference for your business if you use it in the right way. Applying these tips will make social media work for you. It takes effort, but over time you will see the positive results add up.

SMW, S. (2017, January 12). Ads and Analytics are coming to Instagram Stories. Retrieved October 06, 2020, from https://socialmediaweek.org/blog/2017/01/ads-analytics-instagram-stories/

FAQs about Maximizing Social Media for Small Businesses

1. How important is consistency in social media posting for small businesses? Consistency is crucial for small businesses on social media. Posting regularly keeps your audience engaged and increases interaction. It helps maintain visibility and credibility. Consistent posting across platforms like Instagram, Facebook, Twitter, and LinkedIn ensures you reach a broader audience.

2. What tools can I use to help plan and schedule my social media posts? Platforms like Hootsuite and Later are excellent for planning and scheduling social media posts. They allow you to schedule posts in advance, making it easier to maintain consistency. Hootsuite focuses on post scheduling, while Later offers scheduling for both posts and stories. Find the platform that best fits your needs and workflow.

3. How effective are Instagram and Facebook Stories for engaging with my audience? Instagram and Facebook Stories are highly effective for engaging with your audience. According to SocialMediaWeek.org, a significant percentage of users watch Stories with sound on, and they often result in direct messages from viewers. Stories offer interactive features like polls, quizzes, and open response boxes, enhancing audience engagement and connection with your brand.

4. Why is it important to encourage interaction with my audience on social media? Encouraging interaction on social media helps build relationships with your audience, which is essential for small businesses. Including calls to action in your posts prompts your audience to engage, whether through likes, comments, or shares. Additionally, actively engaging with your audience by responding to comments and messages fosters a sense of community and trust around your brand.

5. How can I ensure brand consistency across my social media platforms? Brand consistency is vital for establishing a recognizable identity on social media. Creating a branding guide that outlines your brand’s fonts, colors, textures, and common imagery is essential. Tools like Canva can help maintain brand consistency by providing templates and design features aligned with your brand guidelines. Consistent branding helps your audience easily identify your posts and strengthens brand recognition.

How to Prepare Your Small Business for a Tax Audit

When it comes to small business finances and tax filings – mistakes can happen. And when they do, tax audits usually happen too. Despite the fact that the best way to prepare for a small business tax audit is to not have to have one at all, there are a few things to keep in mind and prep so you’re ready for your small business tax audit. Lets get started…

Know Which Type of Audit You’re Having

Once you know you’re having an audit, the first thing you’ll want to do is know which type you’re having. The IRS carries out 3 different types of audits and you’ll want to know the differences so you can prepare for your tax audit. The three types of audits are:

Correspondence audit – happen by letter and the IRS is merely asking for you to verify, correct an error or provide additional documentation.
Office audit – this one requires you as the taxpayer to visit the IRS office and bring the documents they specify.
Field audit – this is the most intensive form of audit and requires you as the small business owner to host a IRS official at your workplace and allow them access to any forms, documents or tax return filings within the limits of their investigation.

How to Prepare

Once you’ve been notified of the type of audit you’ll be having, you’ll need to get right to work. Here’s our list:

You’ll want to visit with your tax preparer right away and provide them with the paperwork that you received from the IRS. Yes, expert help with cost you, but you’ll want someone that knows the ins and outs and can help you not only provide a good response to the IRS’s request but that can help you sort out the mess if there is one.
If your records aren’t already in order, nows the time. Start gathering your info and organize it according to year and type. A short list of relevant records would include, income, expenses, pension plans, and so on. You’ll want to also request bank or credit card records and any information you might need from your vendors. Whatever you do, don’t make up any records that aren’t available. However, if you have lost records or they were destroyed somehow (say a flood in your office, etc.) then you’ll want to make an attempt at reconstructing those records and document the efforts so it’s clear what you lost and what you’ve reconstructed.
Make sure that you don’t have personal expenses in your business records. And understand the difference between intentional and unintentional failures. If you’re intentionally minimizing your business taxes illegally that’s tax evasion. If you can show that your mistake was unintentional, the IRS tends to be more lenient.

What the IRS Can Request to See

Just because they’re the IRS doesn’t mean they’re allowed to ask for everything. Knowing your rights is a way to protect you and your business. It’s also a great way to focus in on the problem and get the ship righted quickly so you’re ready for your audit. Here’s what they can request from you:

any personal or business tax return within three years of the filing date
can collect back taxes for up to 10 years

There are exceptions – if you’re being audited due to tax evasion, filing a false return, or filing no return at all, the amount they can request for you can be a lot broader.

Even if you’re not getting ready for a tax audit for your small business, knowing is half the battle. One of pieces of advice we give most often to small business owners and entrepreneurs alike is to keep records and to update them regularly. If you’re tracking your finances you’ll have a better chance at your business succeeding, have less hassle when it comes tax time, and be ready to provide the records you have to the IRS in case you receive notice of an audit.

FAQs:

What are the different types of tax audits for small businesses?

There are three types: Correspondence audit (by letter), Office audit (in-person at IRS office), and Field audit (at your workplace).

How should I prepare once I know the type of audit I’m facing?

Consult a tax preparer promptly, organize your records by year and type, and gather relevant financial documents.

What if I’ve lost some records required for the audit?

If records are lost or destroyed, make efforts to reconstruct them and document your attempts for clarity.

What is the distinction between intentional and unintentional errors in records?

Intentional errors constitute tax evasion, while unintentional mistakes are typically treated more leniently by the IRS.

What documents can the IRS request during a small business tax audit?

Typically, they can request tax returns for up to three years and collect back taxes for up to ten years, with exceptions for cases involving tax evasion or filing false returns.

Tax Forms Explained

As we approach tax season, it is important to understand different types of tax forms, and why we need them. If you’re hiring a new employee, or trying to report your income tax returns, you have come to the right place! Tax forms are essential for all small businesses and must be filled out properly. The Internal Revenue Service (IRS) is constantly on the move and requires every small business to file their taxes. Tax forms can be complicated and cause major headaches. To make sure you are prepared for the future success of your small business, here are some of the important tax forms you will need to know about:

1120 Form:

Form 1120 is used to report business taxes to the IRS. With these forms, you’ll report income, gains, losses, deductions, or credits associated with your business.

1099 Form:

The 1099 form is an IRS tax return document used to report income from self-employment earnings, government payments, dividends and interest and more. Basically, a 1099 form is used to record money that an entity or person, not your employer, paid you.

1040 Form:

Is used by U.S. tax payers and a standard IRS form used for individuals to file their annual income tax returns. It is also used to claim tax deductions and credits. It calculates the amount of tax refund or tax fill for the year.

W2 Form:

Is a document an employer is required to send to each of their employees and the IRS at the end of the year. Also known as the Wage and Tax Statement, the W-2 form reports the employee’s annual wages and the amount of taxes withheld from his or her paychecks.

1040-ES Form:

Is used by independent contractors or freelancers to estimate the federal tax they owe from their income. This is used to figure and pay your estimated tax.

941 Form:

This reports income taxes, social security tax, or Medicare tax withheld from employee’s paychecks. Typically, most small businesses file this form if they have employees. The 941 form is filed quarterly and is the employers federal tax return.

SS-4 Form:

This form is used to apply for an employer identification number or an EIN. This is a 9-digit number assigned to sole proprietors, employers, corporations, partnerships, trusts, and other entities for tax filing purposes.

W-4 Form:

The purpose of the W-4 form is for new employment. When you are hired for a new job, one of the many documents needed is your W-4 form, which determines the amount of tax your employer will withhold from your paycheck.

W-7 Form:

Is used to apply for an IRS individual taxpayer identification number. This ITIN form can be also be used to renew an existing ITIN that is expiring or has already expired.

4506-T Form:

This document is an IRS document that is used to gather past tax transcripts that are in the IRS’s files.

9465 Form:

This document is an installment payment plan, and IRS application form. Taxpayers who owe less than $50,000 in taxes, interest and taxes may be able to complete an online payment agreement (OPA) application.

4506 Form:

This is a form that is filed by tax payers to request copies or transcripts of previously filed tax returns and tax information. You can request a range of different types of previously filed tax returns.

So, no matter your type of business—whether you are a blogger, online retailer, or an attorney—small business owners must file with the correct tax forms. At Vyde, it’s our goal to help you stay compliant with the IRS. Reach out to our team for any of your tax related questions.

Remember How Far You’ve Come

As a small business owner, I am constantly hiring new employees and am immersed in the hiring process. I love the beginning of the process, particularly looking through resumes. Each resume has a story. The single piece of paper has years of hard work, dedication, experience, and discipline. I often ponder at my own experience and wonder “what’s my story, and what’s the next chapter?”

During this unusual time with COVID-19, I have seen many business owners roll up their sleeves. They have been proactive and looking for ways to overcome this challenge. Some entrepreneurs have steeper hills to climb and a rocky road ahead, but we all have one thing in common… We’ll have a story to tell.

I would encourage anyone that is enduring their “small business battle” to take a moment to reflect on how far you’ve come. Think about the early stages of your business and all the times you weren’t sure you were going to make it. Talk to a friend or partner about just how scrappy things used to be and how it can sometimes feel like “success” is just barely out of reach…yet you always seem to muster the energy for the next leg of the race.

Taking a look back will add perspective to your situation now and give you the energy you need to press on!

Sincerely,

Ben Sutton
Co-Founder, Mazuma USA
CPA

Bookkeeping Importance: Why is it Essential?

Did you know that poor bookkeeping, or lack thereof, is one of the top reasons small businesses fail? It may not sound like the most exciting thing, especially if you don’t consider yourself a “math person”, but let’s face the facts, bookkeeping is essential for the success of any small business. Here at Vyde, we believe that each small business has the potential to succeed with the right tools, mindset, and organization. Let’s talk about how bookkeeping makes that possible.

Why is Bookkeeping Important?

If you’ve ever been on a road trip, you understand the importance of a map. It identifies landmarks, turning points, and other important information to help you smoothly navigate your journey. Bookkeeping functions in the same way for a small business. It helps you see where your business is going and identify any bumps or turns ahead.

One of the best ways to prepare for the future is to look to the past. Doctors examine past medical records or family health history in order to better diagnose a patient just as small business owners should examine their past and current financial records in order to pinpoint a problem within their business. Identifying the problem becomes much easier with accurate, clear, up-to-date statements. By looking in the rear-view mirror and seeing your profit and loss and balance sheets, you better understand what to budget and prepare or as your small business grows. You can start identifying patterns and trends in your cash flow.

Do you dread tax season? With good bookkeeping, you won’t be scrambling when the time comes to file. By keeping your records straight through the year you enable a smooth and simple process to not only file but make sure you get the best return possible.

Who Can Help?

In addition to that, there are a handful of people who are interested in your financial statements. They want to know exactly how financially organized your business is. The IRS, customers, lenders may request a copy of financial records and if those records aren’t organized or up to date, it negatively reflects on the business and risks a decrease in cash flow. When a business is organized, it shows the world can trust you. Bookkeeping gives you an overview or a snapshot of your business and helps you keep tabs on growth and profitability.

Now you may be thinking “Ok, I see that it’s necessary and very helpful, but where do I start?” That’s why we’re here! All you have to do is connect your business account to our software, and we’ll do the rest. Your assigned bookkeeper will handle your business’ books and compile all that information into an easily understandable report. With how essential bookkeeping is to the success of your small business, it makes sense to prioritize it and put a lot of effort into making it happen. Let us put in that effort for you. We’re here to help you and your business succeed. Click here to visit our website. Check our our Bookkeeping Guide for more details.

Frequently Asked Questions

Why is bookkeeping crucial for small businesses?

Like a roadmap, bookkeeping guides your business, helping identify financial trends, prepare for the future, and navigate challenges.

How does bookkeeping aid in preparing for the future?

Examining past financial records enables accurate budgeting, trend identification, and better preparation for small business growth.

How does bookkeeping simplify tax season?

Maintaining organized records throughout the year ensures a smooth and stress-free tax filing process, maximizing returns.

Who is interested in a business’s financial statements?

The IRS, customers, and lenders seek well-organized financial records. Bookkeeping reflects your business’s financial credibility and enhances cash flow.

How can Vyde assist with bookkeeping?

Vyde offers seamless bookkeeping solutions. Connect your business account to our software, and our dedicated bookkeepers will handle the rest, providing you with clear, organized reports for business success.

What is a balance sheet?

Here at Vyde, we know financial statements are important for running a small business. There are three basic financial statements; the balance sheet, income statement, and the statement of cash flow. A balance sheet is a description of a company’s assets, liabilities and equity at a specific point in time. This is a snap shot of the business of what it owns, owes, and the amount of investments it has.

Balance sheet equation: Assets = Liabilities + Equity

The balance equation must be perfectly equal, which is why it is called the “balanced” sheet. Similarly, your company’s liabilities and equity must equal the same amount as your assets.

Assets: In this section, assets are listed in order of their liquidity (assets that can be converted into cash the easiest).

Current assets: These are assets that are expected to be converted into cash within one year such as accounts receivable and inventory.
Long-term assets: These are assets that are not intended to be converted into cash within one year such as long term investments, property, plant and equipment.

Liabilities: This is what the company owes. Liabilities range from salaries owed to essential bills. The Liability section has two categories:

Current liabilities: These are short term obligations due within one year.
Long-term liabilities: These are financial obligations due one year in the future.

Equity: Also known as shareholders equity. This is what remains after subtracting assets and liabilities.

Retained Earnings: This is the amount of net income left over after dividends have been paid to its shareholders.

Still have questions about your business’ balance sheets? Vyde takes care of your accounting, bookkeeping and tax information. In addition, we also take care of your financial statements on a monthly, quarterly or annual basis. We are here to answer any of your questions after we have completed your financial statements. Above all, we can go over each section of your balance sheet so you can be at ease and focus on your business!

How To Stay Compliant With The IRS

Imagine your business progressing in the near future. Your plans are executed, strategies carried out, and clients knocking on your door. In other words; business is good. However, during this time of accomplishment and accelerated performance, the IRS contacts you. Your heart sinks as they explain the fees and payments your business owes because you failed to stay compliant. Maybe you failed to file your taxes or missed your quarterly payments. These repercussions can cause enormous fees and ridiculous headaches. Here are some tips to stay compliant with the IRS and prevent these calls from coming.

EIN Number

Let’s start from the beginning. An EIN (Employer identification Number) also known as federal tax identification, is used to identify a business entity. Your entity must be a sole proprietorship, Limited Liability Company (LLC) Multi-member LLC, S-Corporation, C-Corporation. Creating an entity protects your personal assets from any business liability.

Separate Your Personal & Business Bank Accounts

Your business has different transactions which means your financial world has to shift. You have transactions coming in from your personal life and your business. All small business owners should open a new business bank account to separate these transactions. This should be the first step in your small business plan. There is two main purposes for doing so:

Maintain the legal liability separation between you and your business. Just as your entity protects your personal assets, separating your personal and business bank accounts will not be subject to any personal lawsuit. The idea is that the business is separate from you.
The second purpose is for organization. It is easier for your accountant when all your business activity is located in one account.

Understanding Small Business Taxes

Now that you own a business, you no longer can just file the 1040ez where you just have a W2 and get to use the simple forms. Obviously you now have this business activity to report. Depending on your entity type, you will be reporting your activity on your taxes differently.

SMLLC: Schedule C on your 1040
MMLLC/S-Corp: Separate tax return – 1065/1120s
C-Corp: Dividends and W2 wages

These taxes are due March 15 or April 15th depending on the entity type. Click here for an in-depth video on entity types and taxes.

Estimated Tax Payments

Another way to stay compliant is making quarterly payments. If your business is earning significant income, the IRS requires business owners to make quarter estimated payments. Now at the end of the year, your business will not have to pay a large sum. If you fail to make quarterly payments, there will be a small fee. A good rule to follow is to set aside 20% of your net profit for quarterly taxes. The best way to pay is through the IRS Direct Pay Website. Click here for an in-depth video regarding quarterly taxes.

Hire An Accountant

An accountant will keep your business compliant with the IRS. They know the rules and regulations regarding tax law and compliance. Here at Mazuma, our service provides small businesses to stay organized, stay compliant and stay organized. Our accountants will keep your business organized and up to date. Our bookkeepers will keep track of your expenses and deductions so you can save on taxes. So focus on your business so we can focus on your accounting. Click here to try Mazuma for free for 30 days.

Staying complaint with the IRS means to follow simple rules. Don’t allow the IRS to contact and charge you fees. Apply for an EIN, separate your personal and business bank accounts, understand tax filings, estimate your quarterly payments and hire an accountant. Click here to see how Mazuma can help your business stay compliant, stay organized, and save on taxes.

Resources

Author: Jake Snelson