Pension Plans

If you have a pension plan at work you will want to read this and if you don't you will still want to because it affects your retirement account.

There are two kinds of formal retirement plans that are set in place by employers. The least complicated is the Defined Contribution where you are allowed to make your own contribution and your employer may also make matching contributions of a percentage of what you put in. At retirement you get out what you put in plus all accruals. The more you contribute the more you have for retirement. A professional money manager who tries to get the most return for the amount in the pool manages the money. He is paid an amount usually a percentage of the assets in the pool, not on performance.

Sometimes a large mutual fund such as Fidelity or Janus is the manager and you are allowed to choose from 6 or 8 different mutual funds in which to place your cash. They do not encourage you to switch from fund to fund even if a fund you are in is under performing.

The Defined Benefit pension plan is much better for the employee. It states the amount you will receive monthly upon retirement. Your contribution amount is fixed and the company makes up the difference to be sure that there is enough money in your account so you will be paid the amount specified. The pension manager must use an actuarial table to figure how much money is necessary to be placed in the pool each year.

Recently it has been found that many companies have been using unreal rate-of-return figures for projection of profits. What the company is allowed to do under current law is to add any overage of calculation to their bottom line. Now it seems that those numbers have been far off so instead of your company showing a big profit last year they will be showing a loss. Suppose your manager had figured the plan would grow at 10% and now it has only grown at 5%. This could have disasterous affect on your company's bottom line and certainly on your company's stock prices.

You might want to ask your company Controller or Treasurer for a report on how your pension plan is doing including what assumption they are making for return on investment.

In a long-term bull market mutual funds do well, but in a long-term bear market mutual funds will lose money. No one talks about this, especially the mutual funds, but it is an obvious fact when you step back to look at the overall market performance for the past 75 years.

During a bear market there are only two types of accounts you can have within a 401K or other retirement account to protect yourself from loss ? either a money market account or a fixed income bond mutual fund. Better check it out.

Al Thomas' book, "If It Doesn't Go Up, Don't Buy It!" has helped thousands of people make money and keep their profits with his simple 2-step method. Read the first chapter at http://www.mutualfundmagic.com and discover why he's the man that Wall Street does not want you to know.

1-888-345-7870; [email protected]

In The News:

Gross inflows into MFs dropped in Jan; 10 stocks that fund houses bought & sold  Moneycontrol.comThe consistent flow through systematic investment plans continue to support equity mutual funds.
Quantum Mutual Fund uses cash pile to buy stocks cheap  Economic TimesQuantum Long Term Equity Value Fund, where value investing is the pronounced fund allocation theme, has brought down the level of cash at its plan to the ...
Govt increases limit to disclose investment in stocks, mutual funds for employees  Moneycontrol.com*Service* rules say no government servant shall speculate in any stock, share or other investment.
Slowdown in domestic equity funds a risk for India: Chris Wood, CLSA  Economic TimesIndian markets are facing a risk that growing uncertainty about the outcome of the upcoming general elections will lead to a slowdown in inflows into domestic ...
MFs bought select IT, bank stocks in Jan ahead of Budget, May polls  Economic TimesNEW DELHI: Mutual funds were seen churning their portfolios in information technology, consumption and private banking sectors during the month gone by, ...
Tata Motors stock crash: Over 200 mutual fund schemes own equity worth Rs 4,000 cr  Moneycontrol.comIn terms of value, more than Rs 4000 crore of mutual fund money is riding on Tata Motors, and approximately Rs 1700 crore in Tata Motors DVR.
The Mutual Fund Show: You Can Invest In Mutual Funds At Last Minute And Save Tax  BloombergQuintMany people seek last-minute investment options to save tax as the financial year draws to a close. And it's usually done in haste, with little thought given to its ...
Stocks that attracted mutual fund managers in January 2019  Dalal Street Investment JournalIf we look at the December 2018 data then energy and financial sectors were the ones that were on top of the purchases made by fund managers. However, the ...
No end to pain for midcaps, smallcaps; but be selective  Economic TimesThe interim Budget as well as RBIs credit policy have supported the Indian market though.
Golden opportunity for mutual fund investors? Bharat 22 ETF opens just for 1 day; Should you invest?  The Financial ExpressAs per the scheme's objective, the Bharat 22 ETF aims to provide returns that closely correspond to the returns provided by S&P BSE Bharat 22 Index.
Mutual fund investing for the conservative: Should you stick to largecap funds only?  Moneycontrol.comFinancial planners advocate investing in equity mutual funds to beat inflation and build a corpus that will cater to one's future needs, even if one is a conservative ...
Mutual funds raise stake in equities to highest-ever level; prefer financials, consumer stocks  Moneycontrol.comDomestic mutual funds (DMFs), the largest buyers of Indian stocks during the quarter, also added the most positions in ICICI Bank and Axis Bank, and reduced ...
What top mutual funds bought and sold last month  LivemintMumbai: Inflows into Indian equity mutual funds in January were the smallest in two years as heightened market volatility and political uncertainty cooled ...
Follow-on offer of Bharat 22 ETF opens today; should you invest?  Moneycontrol.comThe scheme can offer a low-cost avenue to take exposure to some of the good names in public sector space at beaten-down valuations.
FPIs go big on stocks of financials, mutual funds on energy and IT sectors  Business StandardForeign portfolio investors (FPIs) added positions in stocks of financials, and reduced their exposure to the energy sector, an analysis of December 2018 quarter ...
Quick Take | Covered calls for mutual funds will help stabilise NAV fluctuations  Moneycontrol.comAllowing mutual funds to participate in the options market will bring more liquidity to stock options and stabilise returns for the fund.
What India's top three MFs bought and sold in January  Economic TimesStock funds took in a net Rs 6160 crore, the least since January 2017.
Bharat 22 to buy Rs 2,500 crore worth of shares from market  Economic TimesMumbai: Bharat 22 ETF is expected to buy shares worth Rs 2,500-3,000 crore from the open market to maintain government's stake at or over 52 per cent in the ...
These stocks see mutual fund inflows for 8th straight quarter; are they worth a look?  Economic TimesAt least 20 listed stocks on the BSE have been major beneficiaries.
All eyes on Zee, Dish TV stock movement  Economic TimesThe prospect of a further plunge in the shares of Zee Entertainment and Dish TV, which would deepen the disarray in the Essel Group, has put their ...
Some face taxes for funds that fell in 2018  pharostribune.comNEW YORK (AP) — As if the worst year for stocks in nearly a decade weren't bad enough, many investors now have to pay a tax bill on top of.
Mutual funds and FIIs suffer big losses in Zee, Vedanta, DHFL stocks  Business StandardMutual funds (MFs) and foreign institutional investors (FIIs) have seen sharp erosion in the value of their investments as allegations of corporate governance ...
Fund managers raised stake in 194 stocks in Dec quarter. Is it a good idea to follow them?  Moneycontrol.comif good or quality stocks are getting hampered with external factors, investors should use the dips to buy into stocks which they think hold long term growth ...
Stock Market Budget 2019 Expectations: DDT relief, mutual fund benefits, tax slab changes on anvil  The Financial ExpressShare Market Expectations from Budget 2019: With interim Budget 2019 just a day away, expectations from stock market experts include STT relief, income tax ...
3 Global Mutual Funds to Buy Now  Yahoo FinanceBelow we share with you four top-rated global mutual funds. Each has earned a Zacks Mutual Fund Rank 1 (Strong Buy).
Blue Chip Stocks Are This Midcap Mutual Fund's Keys To Outperformance  Investor's Business DailyWhat's the formula for outperformance by Hartford Midcap Fund (HMDYX) managers Phil Ruedi and Mark Whitaker? For one thing, their days are filled with talk ...
Closing Bell: Indices close off day's low with Nifty above 10700; metal, pharma stocks under pressure  Moneycontrol.comThe Sensex was down 67.27 points at 35808.95, while Nifty was down 21.60 points at 10724.40.
Is Vanguard Diversified Equity Investor (VDEQX) a Strong Mutual Fund Pick Right Now?  Yahoo FinanceHaving trouble finding a Large Cap Blend fund? Vanguard Diversified Equity Investor (VDEQX) is a possible starting point. VDEQX possesses a Zacks Mutual ...
3 Different Ways for Newcomers to Buy S&P 500 Stocks  Investorplace.comThe best way to capture all 505 of the S&P 500 stocks is also the easiest and cheapest for most U.S. investors.
Ask Any Stock Market Pro: Buying Is Easy, Selling Is Hard  BloombergQuintPrinceton economist Burt Malkiel is famous in investing circles for suggesting that blindfolded monkeys throwing darts at a newspaper's stock pages could build ...
Will Your Mutual Fund Return Your Money?  Morningstar.comA Reader's Question Mr. Henning inquires, "What happens if a fund no longer has the cash to redeem shares?" Presumably, management would sell securities ...
Is Fidelity China Region Fund (FHKCX) a Strong Mutual Fund Pick Right Now?  Yahoo FinanceThere are plenty of choices in the China - Equity category, but where should you start your research? Well, one fund that might be worth investigating is Fidelity ...
These ‘do-gooder’ mutual funds actually do a stock portfolio good  MarketWatchDon't miss these top money and investing features of the past week.
Are Target-Date Funds a Good Investment?  The Motley FoolThe simplicity of these savings tools can be their greatest strength or their biggest drawback.
Double tap: Investors face taxes for funds that fell in 2018  Herald-WhigAs if the worst year for stocks in nearly a decade weren't bad enough, many investors now have to pay a tax bill on top of it.
The difficulty of only investing in value stocks  The Week MagazineHere are three of the week's top pieces of financial advice, gathered from around the web: The good old tax days. Did the biggest earners of the 1950s ...
Is Fidelity Advisor Semiconductors I (FELIX) a Strong Mutual Fund Pick Right Now?  Yahoo FinanceAny investors hoping to find a Sector - Tech fund might consider looking past Fidelity Advisor Semiconductors I (FELIX). FELIX possesses a Zacks Mutual Fund ...
Is Vanguard LifeStrategy Growth Fund (VASGX) a Strong Mutual Fund Pick Right Now?  Yahoo FinanceIf investors are looking at the Allocation Balanced fund category, Vanguard LifeStrategy Growth Fund (VASGX) could be a potential option. VASGX carries a ...
Fidelity and Schwab fire latest salvos in brokerage fee war, doubling ETFs available for free trades  CNBCCharles Schwab and Fidelity say they are doubling the number of ETFs available for free trades, including iShares funds.
How Did Our Saver Portfolios Hold Up in 2018?  Morningstar.comThe index portfolios outperformed the more active portfolios in a rocky market. Is that supposed to happen?
They Tend To Rise Slowly, But Big Cap Stocks Can Win  Investor's Business DailyWhile big cap stocks lag in some respects, there are still plenty of leaders to be found. The leaders have strong fundamentals.
UPDATE 1-U.S.-based emerging market stock funds attract most cash since Jan 2018 -Lipper  ReutersU.S. fund investors emboldened by cautious monetary policy are adding stakes in emerging-market stocks at the fastest pace in about a year, Lipper data ...
Mutual funds rebound on sluggish late 2018  Barbados TodayTurbulence in the world economy which has caused declines in investments managed by Fortress Fund Managers in the last quarter of 2018 has been offset by ...
4 Funds Building a Position in Housing Recovery in 2019  Zacks.comA series of dismal reports about America's housing industry have been released recently. This has led to speculation that the space is headed for yet another ...
Equity Compensation Increasingly Used for Financial Wellness and Retirement  PLANSPONSOREquity compensation programs are increasingly viewed as part of participants' overall financial strategies, according to research from Fidelity Investments.
7 stocks most favoured by mutual funds over last one year  Economic TimesAs the markets hit a speed bump, stocks favoured by mutual funds appear to be safer bets.
John Wiley & Sons, Inc. (:JW.A): Headlining Stock Attracting Attention  The Coin GuildMajor market players are buzzing over John Wiley & Sons, Inc. (:JW.A) as their share price hit $52.06 at the end of the most recent trading session.
Mutual funds bet big on these 30 stocks in November; do you own any?  Moneycontrol.comMF industry assets grew to Rs 23.4 lakh crore, on the back of improved inflows into liquid funds and steady equity markets.
Stock in Focus: Investors Taking a Second Look at Standex International Corporation (NYSE:SXI)  The Coin GuildMajor market players are buzzing over Standex International Corporation (NYSE:SXI) as their share price hit $77.94 at the end of the most recent trading session ...
This Marijuana Stock Just Made History (No, It's Not Canopy Growth)  Motley FoolAn off-the-radar company in cannabis took a huge step toward mainstream acceptance.
Trend Focus: Investors Keen on Granite Real Estate Inc. (:GRP.U) as it Makes Waves With Moves  The Coin GuildMajor market players are buzzing over Granite Real Estate Inc. (:GRP.U) as their share price hit $46.15 at the end of the most recent trading session.
Market in the News: Investors Keen on Bovie Medical Corporation (:APYX) as it Makes Headlines With Moves  The Coin GuildMajor market players are buzzing over Bovie Medical Corporation (:APYX) as their share price hit $8.53 at the end of the most recent trading session.
Stock in the News: Investors Taking a Second Look at Fortive Corporation (NYSE:FTV)  The Coin GuildMajor market players are buzzing over Fortive Corporation (NYSE:FTV) as their share price hit $78.82 at the end of the most recent trading session.
Trend Update: Investors Keen on Global Net Lease, Inc. (:GNL) as it Makes Headlines With Moves  The Coin GuildMajor market players are buzzing over Global Net Lease, Inc. (:GNL) as their share price hit $19.01 at the end of the most recent trading session.
Check out what top five mutual funds bought & sold during October selloff  Economic TimesNEW DELHI: Mutual funds stood resilient as industry's asset base increased to Rs 22.23 lakh crore in October in spite of a heavy correction in the domestic ...
Fund managers ready to go shopping after sharp correction in stocks  Moneycontrol.comMutual funds that were holding around 8-10 percent cash level in their equity portfolio are likely to purchase shares of companies in banking and financial ...
When should you sell your mutual fund schemes? - Stocks and equity mutual funds are different  Economic TimesInvesting in an individual stock and equity mutual fund scheme is different. You must look at various parameters like key ratios while investing in a stock. Hence ...
Mutual funds may need smart bets on smallcap stocks to beat ETF show  Economic TimesSmallcap stocks could see up to ₹1 lakh cr inflow as fund managers look for potential winners: Analysts.
Hot and Cold Stocks of Mutual Funds in October 2018  MoneylifeIn October 2018, Axis Bank and ICICI Bank were the most preferred stocks of Indian mutual funds. The net purchases of Axis Bank were Rs1,504 crore, of which ...
Shall I buy the HDFC AMC stock or mutual fund?  LivemintThe HDFC Asset Management Co. Ltd stock closed 65% up on the first day of listing over its IPO price of ₹ 1,100 per share. Investors who sold on day one, saw ...
Is your mutual fund buying or selling stocks too much?  LivemintA mutual fund scheme's turnover ratio tells you how frequently its fund manager buys and sells the underlying stocks. Typically, higher the turnover ratio, more ...
Mutual funds' exposure to banks hits 3-month low of Rs 1.88 lakh crore in Sept  Economic TimesMutual funds' holding of banking stocks declined by over Rs 21,600 crore to Rs 1.88 lakh crore in September, driven by the correction in equity markets.
Gold, mutual funds, equity - where to invest in 2019?  Moneycontrol.comAs we enter 2019, the question on everyone's mind is: can we say goodbye to market volatility that 2018 unleashed upon us? The answer may not be that simple ...
Why stock market volatility is beneficial for mutual fund SIP investors  Economic TimesWhile investing through systematic investment plans, you make more money precisely because the markets are facing volatility.
Why stopping mutual fund SIPs when stock market falls can jeopardise your financial goals  Economic TimesFear has returned to Dalal Street. Caught in a perfect storm of weak macroeconomic numbers, the IL&FS crisis and fear of more defaults, equity markets have ...
Are mid and small-cap mutual funds holding too many illiquid stocks?  Economic TimesLiquidity has been scarce in Indian capital markets in recent weeks. Mutual funds have also not been spared the pain, with liquid and money market funds ...
Five stocks that mutual funds think can outperform  Economic TimesA volatile month gave fund managers a chance to cherry-pick stocks.
Is it a good time to invest in small-cap mutual fund schemes?  Economic TimesDespite the slide in the Nifty Smallcap100 index, fund houses seem to be placing faith in small-cap funds again. Should investors take the cue?
Mutual fund lesson: What should you do in volatile markets?  Moneycontrol.comCost of investing in equities is that it is a volatile asset class- there will be times when your portfolio value will be lower than what you invested.
How stocks picked by mutual funds over 2014 to 2017 have performed  Economic TimesWhile the most wanted stocks of 2014 and 2015 have done well, the recent picks have disappointed.
How your mutual funds played the balancing act during stocks crash  Economic TimesBy Bhavana Acharya The last three months has been a bumpy ride for largecap stocks. The year so far has been unkind to the midcap and smallcap set.
Why HDFC Bank stock is among the top picks of mutual funds  Business TodayPrivate sector lender HDFC Bank, the third-largest Indian firm by market capitalisation, is among the favourite stocks in the portfolios of mutual funds. Despite ...
Mutual fund holdings in IT stocks touch all-time high  Economic TimesMumbai: Fund managers are betting big on the IT sector, on the back of an improving global macro environment, depreciating rupee and rise in IT spends.
Fund managers' picks: Large, mid & smallcap stocks that MFs bought, sold in Dec  Moneycontrol.comMF assets declined to Rs 22.8 lakh crore in December 2018 from Rs 23.4 lakh core in Nov 2018 on the back of moderation in the flows in equity funds and ...
Mutual Funds For First Time Manage More Money In Stocks Than Insurers  BloombergQuintMutual funds for the first time manage more money in equities than insurers as the last stock rout erased the gap that started narrowing after demonetisation.
Does it make sense to invest in mutual funds when the markets are down?  Economic TimesI am looking to invest Rs 20,000 per month via SIP in mutual funds for an investment period of more than 20 years. The idea is to maximize wealth to use for my ...
Bleeding mutual funds: Should you go back to good old fixed deposits?  Moneycontrol.comAre you worried about the losses on your investments in mutual fund schemes? You are not alone. There are many investors who dumped their good old fixed ...
Investing in equity mutual funds versus investing in shares: Which is better?  Economic TimesThe final goal for all stock investors is the same: to get superior returns. However, in terms of what you do, there are two completely different routes.
Fund managers' bets: Top 10 large, mid and small-cap stocks that MFs bought in October  Moneycontrol.comMF industry assets grew to Rs 22.2 lakh crore on the back of improved inflows into equity-oriented and liquid funds.
Top 10 wealth creator mutual fund schemes of 2018  Moneycontrol.comThe IT sector has been riding on good earnings show by the IT giants in India. The depreciating rupee is in the last few years boosted the fortunes of the ...
Top 10 mutual funds which can double your wealth in long term  The Financial ExpressMutual funds are one of the most popular and smart ways for investors to build wealth over the long term. One can also double one's money, if planned properly.
Do not make these 7 mistakes while investing in mutual funds  Moneycontrol.comNever forget that you are investing because you have to achieve your financial goals. Investing without a goal is akin to travelling without a destination.
Mutual funds that destroyed most investor wealth in the September selloff  Economic TimesThe recent selloff in the stock market has raised fears of a rush for redemption in mutual funds.​
See how they play market crash! MFs sold other stocks to lap up these 21 in October mayhem  Economic TimesPopular beaten-down stocks attracted big money from institutional investors on Dalal Street in October, when the domestic equity market was facing severe ...
Picking the best mutual fund: Are past returns relevant after re-categorisation?  Moneycontrol.comWhile selecting a scheme for investment or while deciding whether to continue with a current investment, a fund's performance track record does play a critical ...
Why your mutual fund earned you less than Nifty in recent market rally  Economic TimesThe more the number of stocks in an index, the weaker is its performance.
Top 10 large, mid and smallcap stocks which fund managers bought & sold in September  Moneycontrol.comFears of a liquidity crunch following the IL&FS crisis hit the mutual fund industry in September. Cash plans, or liquid funds, were the worst hit.
These 18 consistent mutual funds may help you to beat stock market volatility  Economic TimesMany equity mutual fund advisors abhor volatility in the stock market. They are always searching for ways to tackle this beast which gives them sleepless nights.
These 10 stocks make up over one-third of entire mutual fund portfolio in India; check full list  The Financial ExpressEven as Sensex and Nifty continue their strong rally driven by a cheer in blue chip stocks, just 10 top names make up a whopping 34% of the entire mutual fund ...
How do mutual funds help you to invest better?  Moneycontrol.comMutual funds can provide you products that can meet your financial goals with relatively lesser risk.
Should you shift from large-cap mutual funds to index funds?  Economic TimesThe index fund category of mutual fund schemes is slowly gaining traction among investors. The fortunes of index funds are changing as not only are they being ...
Value focussed MF are cutting their exposure to Indian stocks. What about you?  Moneycontrol.comAs valuations climb, the funds have chosen to stay light on Indian stocks and exposure to bonds and arbitrage has gone up.
Some international funds are giving around 40% returns. Should you invest?  Economic TimesInternational mutual funds are topping the return charts. The category has returned around 20 per cent in one year. Should retail investors bet on these schemes ...
Planning an SIP in mutual funds? Keep these things in mind  Moneycontrol.comYou should identify a fund which has not only performed well when the markets are rising but also tackled the tides of a falling market and has controlled losses.
Here are top buys and sells by mutual funds in August when Sensex, Nifty hit record highs  Moneycontrol.comAmong largecaps, HDFC AMC, Sun TV Network, TVS Motor, Vedanta and Tech Mahindra topped the August buying list of top 10 mutual fund houses which ...
India is set for a good run in 2019, says Reliance Mutual Fund  Moneycontrol.comManish Gunwani, CIO-Equity at Reliance MF, the market is positioned well in terms of valuation and macros.
10 mutual fund options that could be good bets as markets trend higher  Moneycontrol.comInvestment advisors feel this is time for caution and that investors should veer more towards funds with exposure towards large-caps or those that are multi-cap ...
How much do mutual fund managers invest in their own schemes?  Moneycontrol.comEver since SEBI mandated mutual fund houses to disclose how much fund managers, directors of the asset management company and other key employees ...
How to build your mutual fund portfolio from scratch  Moneycontrol.comYou need to know that there is no such thing as a "perfect mutual fund portfolio". There can be numerous reasonably good portfolios, and there's no ...
Best large cap mutual funds to invest in 2019  Economic TimesHere's a monthly update on our recommended large cap mutual funds to invest in 2019. The good news is that there is no change in the recommendations.

Why This Bear?

People are constantly asking me why is the stock market... Read More

The Bottom?

Every day I hear someone on CNBC proclaim that "this... Read More

Overvalued & Underbought

With all the bad news that has been dumped upon... Read More

Trend Trading - Trading Stocks Using Technical Analysis and Swing Trading Strategies

Peter is a professional trader, Paul is not. Peter has... Read More

Is The Bear In The Cage?

For the last few weeks we have seen the stock... Read More

What Does it Take to be a Stock Trader?

It takes a total mental commitment to the task. It... Read More

You Don?t HAVE To Be Trading

As a novice trader, you'll often feel the need to... Read More

Mid-Cap Stocks: Asset Class with an Identity Crisis

Much like the middle child, mid-cap stocks have long struggled... Read More

Emotional Trading

The single most expensive stock market trades are those made... Read More

Investment Lawyers and Trash Stocks

The trash business in its efforts to cook their books... Read More

Dividends

When is a dividend not a dividend?The latest thing "conservative"... Read More

Market Experience of a Naïve Stock Operator

Sometime in the third quarter of 1997, someone told me... Read More

The Three Little Pigs Went to the Stock Market

Three little pigs went to the market to stock up... Read More

Overseas Investing: Going Against the Mainstream

TOO OFTEN, INVESTORS SIMPLY CHOOSE TO follow the crowd. This... Read More

Stock Market Course .... Day Trader Online Seminar ... Can You Generate Profits Trading from Home?

When it comes to stock market trading it PAYS to... Read More

It Cant Be Done

Wouldn't it be nice if you were only in the... Read More

Online Broker Trade History Not Doing the Job

Let me start by saying that...Most online brokers do not... Read More

Stock Investment Advice

Stock investment advice is easy to find. Do you get... Read More

No Load Mutual Funds: Investment Hype vs. Investment Help

With the internet such a huge part of our daily... Read More

Mutual Fund Honor Roll ? Buy High, Sell Low by Chasing Performance

Buy high and sell low -- It's not a typo.Millions... Read More

Dollar Cost Averaging

Dollar cost averaging is one of the most popular ideas... Read More

Can?t Stand The Heat

It seems that every day I turn on the TV... Read More

Losses, not Profits, will Stop You from Trading in the Market

Should the market turn against you, it is important that... Read More

Stock Analysis

I receive emails from Morningstar. This company provides statistics and... Read More

Never Fall In Love!

Recently I watched my favorite football team lose a vital... Read More