Free youtube account subscribers jobs

I'm looking for an expert in Google Ads to review my account. - I'm aiming to generate more leads, so I need a thorough analysis of why the account isn't performing as well as it used to. - I need you to compare the current state of the account to a previous time when it was delivering good results. - I need you to identify all the changes that have been made to the account since that time. - I need a detailed understanding of the effect of these changes on the account's performance. The ideal freelancer for this project would have: - Extensive experience with Google Ads - A proven track record of lead generation through Google Ads - Strong analytical skills and the ability to interpret data and derive meaningful insights - Excellent co...

I'm in need of a talented video creator to design a logo, intro, and outro for my YouTube channel which is focused on motivational, inspiring, and spiritual content. Key Responsibilities: - Designing a professional and elegant logo that aligns with the channel's theme - Creating a compelling and engaging intro and outro to enhance the overall viewing experience for the audience Ideal Skills and Experience: - Proficiency in video editing software such as Adobe Premiere Pro, After Effects, etc. - Strong portfolio showcasing previous work in branding and video creation - Understanding of YouTube branding guidelines and trends I'm looking for someone who can bring a blend of creativity and professionalism to the project. Experience with spiritual or motivational...

...you have ever run a bitTorrent application, then you can run this.... and get paid to do so. The free software can be found here: It's easy to install in Windows, Linux, or macOS. I also have it installed on one of my machines, but my internet connection is currently limited with my cell phone hotspot, so I am willing to pay you to allow your machine to stay online and run as a peer. I want to contribute to the decentralized search network and also connect as a peer to your machine. This can be done in the background. You could continue using your computer for other tasks. Key Requirements: - Able to download the free software and install it on your machine - Keep your machine online (or most of the time) - You may

My website's primary goal is to sell motel room accommodations. I aim to offer a seamless and user-friendly space for users to learn about my offerings and book them hassle-free. For this project, I need a professional with: - Experience in web development (1-5 pages) - Proficiency in creating visually engaging and intuitive UI/UX designs - Proven SEO skills to boost website visibility - Experience in the lodging/ hospitality industry is a major plus You'll be enhancing my online presence and ensure our motel facilities are the first choice for potential bookers.

...**3. Features** **3.1 User Registration and Authentication:** - User can create an account using email, social media, or Google/Apple ID. - Secure login/logout functionality. - Password recovery via email. **3.2 Media Library:** - Browse through a catalog of available titles with audio descriptions. - Filter and search options (by genre, popularity, and release date). **3.3 Audio Description:** - High-quality audio description tracks for each title. - Automatically synchronized with the media playback. - Manual synchronization adjustment option. **3.4 Download and Offline Mode:** - Option to download audio description tracks for offline use **3.7 Accessibility:** - Voice control integration for hands-free operation. - Screen reader compatibility. - High-contrast mode ...

**NO OR LIMITED EXPERIENCE IS OK - FEEL FREE TO APPLY. DO NOT USE GENERIC BID TEXT (NO COPY PASTING)*** Role is perfect for motivated and learning individuals who are eager for feedback and want to grow skills. Duration is 30 days internship. Those who surpass expectations will receive a serious offer to stay on team with better compensation. Sample tasks and responsibilities include, and are NOT limited to: 1. Research key topics or areas of interest and presenting options for the next steps. -> googling 2. Executing next steps and promptly executing action items from discussions. -> take instructions and act fast 3. Propose options from research as requested -> more googling 4. Be able to advise proactively on details including step by step documents where needed...

I am in need of a skilled freelancer for a YouTube automation project. In this endeavor, I need a system that will help me manage and streamline my YouTube channel more effectively. Key responsibilities for this project would include: - Creating a channel - Automating video uploading, thereby saving me time and effort - Enhancing video SEO to ensure maximum visibility - Managing keyword research to increase the chances of my videos being discovered - Implementing a system for analytics tracking to provide me with important data on video performance Ideally, the system should be compatible with YouTube API, Google Sheets and Zapier. This way, it can integrate seamlessly with my existing tools and workflows. Overall, the primary goal of this project is to boost my ...

I'm in need of a creative designer to help me put together a striking End of Financial Year flyer. The main aim of this flyer is to promote special discounts. Key requirements and expectations: - The flyer should be designed for digital distribution, in PDF and JPEG formats. - It should have a perfect blend of specific product images and ge...create an engaging and appealing design. Ideal Skills: - Proficiency in graphic design - Experience in creating engaging and effective promotional materials - Ability to balance product imagery with thematic, brand-appropriate visuals Your task will be to create a design that not only catches the eye but also effectively communicates our end of financial year discounts to our customers. Feel free to showcase similar work you'...

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I'm in need of a skilled developer who can create a sophisticated SERP analysis tool specifically for Google. - Your main task will be to de...We LOVE the project and look to offer something similar. IT is easy to use and easy to create a project (website) Add keywords and track how the keywords advance up and down over the month. I believe its pings daily to track updates we would like to offer the same. We will offer multiple user account levels and want to use stripe as the payment method. We want to be able to offer users the ability to create a PDF report at any point and we want the higher account types to be able to offer the report with their own logo. Budget for this is $600. We will provide the HTML and CSS template to use as the template for this p...

...experience in editing vlogs and educational/training videos. - Be able to maintain a casual and conversational style throughout the editing process. - Be comfortable working on videos with longer durations. - Have a keen eye for detail to ensure the final product is polished and engaging. - Be able to work with the raw footage provided and turn it into coherent, engaging videos. Take a look at my YouTube channel to get an idea of the videos - playlist of educational videos - vlog video examples Can provide more specifics in a chat. Looking for someone to work with long term. My priority are the educational videos as it requires a new video every week on the

I'm seeking a skilled UI/UX designer to create a professional landing page for my product/service. The primary goal of this landing page is to attract leads, and ultimately, convert them into customers. The design should be visually appealing, modern, and user-friendly, to encou...track record in creating successful landing pages. Experience with Figma is a must, as well as a solid understanding of HTML, in order to export the design correctly for hosting. The landing page will primarily target general consumers, therefore, the design should have a broad appeal, be easy to understand, and clearly convey the benefits of the product/service. The candidate should take into account the psychology of consumer behavior and design the landing page in a way that maximizes the chances...

I need an assistant who can help me list products on Vestiaire Collective websites for a long time This website only allows one person to have one account! they will check from your device and network whether you have used it before. Creating new accounts will not be allowed (that's why I'm looking for an assistant here) One of the most important requirements is to use a computer or phone that has not been registered or operated on this website before, nor has it been registered or operated on the same network, otherwise the account will be suspended. (I hope someone who understands this correlation and has experience with similar e-commerce websites can operate it) The first step is i will give you the registration email and password, and you can go to the regis...

I am in need of a competent freelancer who can assist me in creating an Amazon seller's account. I have not done this before and would appreciate someone who has the expertise to guide me through the process. Key Responsibilities: - Create a professional Amazon seller account on my behalf - Determine the most suitable type of account based on my intent to sell clothing and accessories - Provide comprehensive advice on the dos and don'ts as well as best practices for selling on the platform Ideal Skills and Experience: - Previous experience in setting up Amazon seller accounts, particularly for clothing and accessories - Strong knowledge of the different types of Amazon seller accounts (Individual vs Professional) - Ability to provide clear and concise guid...

I'm in need of a professional to install the SoGo mail program for me. Also, I require all the old messages from my current server Hoard mail account to be moved over. Key Responsibilities: - Install SoGo mail program. - Migrate all of my old messages from my current hoard email account to SoGo. The messages that need to be moved from Hoard exceed the 1GB maximum Skills and Experience: - Proficiency in email software installation, particularly SoGo. - Proven experience in data migration from Outlook. - Familiarity with email synchronization and data handling for email accounts.

Detailed Functionality Description Authentication and User Management User Authentication with NextAuth and Google: Integration with NextAuth to enable user login via Google. Secure OAuth2 authentication flow to ensure user data protection. User registration through Google account, streamlining the sign-up process. Account and Subscription Management: Each account can manage one school, which can have multiple locations (campuses). Admin dashboard to manage subscriptions and assign school management capabilities to each account. Ability to sell subscriptions, where each subscription corresponds to a single school with its own set of locations, teachers, and resources. Role-based access control: Admin Role: Full access to manage the school, including locations,...

I am excited about the opportunity to assist you in planning an engaging 1-2 week leisure travel experience. With my extensive background in travel planning and a deep passion for exploring diverse destinations, I am confident in my ability to create a well-rounded itinerary that ...of experience in the travel and tourism industry. • Proven track record in creating tailored travel itineraries that meet clients’ expectations. • Strong skills in travel writing, destination research, and budgeting. I am eager to bring innovative ideas and my passion for travel to your project. My aim is to ensure that your travel experience is not only enjoyable but also memorable and stress-free. Looking forward to discussing your preferences and starting this exciting journey toge...

...newsletters or updates. - User Account Management: The website will also require a user account management system. Registered users should be able to access certain features and content that non-registered users cannot. - Social Media Integration: The website needs to be integrated with social media platforms. This includes features like sharing content, following the brand on social media, and potentially even logging in with social media credentials. Your Experience: - Proficiency in Webflow: You should have a deep understanding of Webflow and be able to translate complex Figma designs into functional Webflow sites. - Experience with Contact Forms and Subscriptions: Prior experience implementing contact forms and subscription features is highly preferred. - User Acco...

I'm in need of a talented YouTube thumbnail editor who can help me create visually appealing and engaging thumbnails for my channel. Key Requirements: 1. Adobe Photoshop Expertise: I strongly prefer professionals familiar with Adobe Photoshop. Please note that proficiency in this software is a must for this role. 2. CTR Optimization: I'm looking for someone with a keen understanding of what makes a thumbnail effective in generating high click-through rates. You should be able to create thumbnails that are both attractive and purposefully engineered to draw in viewers. 3. Creative and Versatile: You'll be asked to work with a variety of styles and themes for different video topics. You should be able to adapt to different requirements and deliver consistently high-...

I'm seeking an experienced financial analyst to conduct a detailed comparison of the long-term wealth accumulation of purchasing a home with a mortgage vs continuing to rent. Key Components: - Assess potential financial outcomes of both renting and purchasing a home - Focus on long-term wealth accumulation - Take into account anticipated changes in property value over time Ideal skills and experience: - Proven experience in financial analysis, specifically around real estate - Familiarity with property market variables and predictions - Ability to present data in a comprehensive yet understandable manner.

IMPORTANT FOLLOW THE SHORT YOUTUBE TUTORIAL I'm looking for a skilled Unity developer to create a small terrain for me. It's essential that this terrain is made with a provided image as the heightmap. I can also provide a tutorial of what is needed to be done using the heightmap i will provide The terrain is small, I'm not looking for anything too complex at this stage. i provided a raw image in case this dont work you can make one from the png In terms of environmental features, I would like a plane as the water body as a separated object. Ideal skills and experience for the job include: - Proficient in Unity with a strong background in terrain design - Ability to work with provided images for heightmaps - Strong understanding of texturing and color creation for t...

...suggestions and ideas to make this platform more engaging and efficient. Looking forward to working with a competent developer who can bring this project to life. Develop a game review website. This website will have 2 types of users: moderator who are also admin and can manage users and reviews. The second type of user will be normal user who can post reviews, read reviews.  It will have account creation, login logout, use node.js, test this using Mocha, use bootstrap to make the page.  Create a post page for the user. It should upload pictures, videos, text box to write, title also should allow to post link to the game on the app store. It should be saved on database using node.js. Use MongoDB to create a model for this.  Use Mocha for testing.  Additionally features o...

...logged in user), - Admin: content creators can login to write and publish blogs in their desired design and format. Blog contents could be videos hosted on YouTube and other platforms • University data and pages - Admin: o can update university data in bulk using excel or other supported file formats o can update individual university data from university page (separate login for data entry operators, data is published online once validated by a proper assigned user on the admin side) - Public users (no login required) o Can search universities based on key factors such as country, program name etc., - Registered student users (have an account) o Can shortlist university programs which will show in their profile - Premium paid student users: o Can click on “app...

I'm looking for a talented video editor who can help me produce high-quality, cinematic vlogs for my YouTube channel and Instagram. Key Responsibilities: - Edit weekly vlogs using Adobe Premiere Pro - Incorporate cinematic editing techniques to enhance the visual appeal and storytelling of the content Ideal Skills and Experience: - Proficient in Adobe Premiere Pro - Previous experience creating vlogs preferred - Understanding of cinematic editing styles - Ability to tell a compelling story through video - Strong attention to detail and creative flair Please provide examples of similar work you've done in the past. Looking forward to working with someone who can bring my vlogs to the next level!

I'm looking for a creative video editor who can spice up my YouTube content. The videos will be short, typically under 5 minutes. Key Expectations: - Strong creativity in enhancing visual effects and transitions which make my videos stand out. - Ability to meet project deadlines and stick to the set video length. Ideal skills: - Previous YouTube editing experience - Expertise in visual effects and transitions - Excellent time management skills.

I'm seeking a virtual assistant who can engage on reddit communities to drive reddit account karma higher. Key Responsibilities: - Posting images: You'll be required to share relevant images that are engaging and in line with the community's interests. - Commenting: Engage with the community through thoughtful and engaging comments. Skills and Experience: - Strong communication skills: You need to be able to communicate effectively and in a friendly manner. - Understanding of Reddit: Prior experience in managing Reddit accounts or a deep understanding of the platform would be beneficial. - Proactive engagement: You should be eager to initiate conversations and maintain an active presence. This role would suit someone who is passionate about community engagement and...

I am l...creating financial reports. Key Tasks: - Creating and Managing Invoices: - You will be responsible for setting up a streamlined process for creating and managing invoices in Zoho Books. - Generating Financial Reports: - I need help creating customized templates for financial reports that I can easily use in the future. Additional Information: - I already have an existing Zoho Books account set up. - The financial reports need to be generated just once, but I would like to have some templates that I can reuse. Ideal Skills and Experience: - Proficient in Zoho Books and its features. - Experience in creating and customizing invoicing and financial reporting templates. - Ability to streamline processes and make them user-friendly. - Strong attention to detail and...

Are you a video creator with a knack for making informative how-to/tutorial videos or are you more interest in comparing videos? If so, we have an amazing opportunity for you to join our team and showcase your talents on our established YouTube channel. We're looking for individuals who can create engaging step-by-step tutorials for software, apps, and email marketing tools. Please note, these are not animated explainer videos; we require screen recordings. Requirements: - Proficiency in English (native speakers preferred) - Willingness to record your phone/computer screen, along with your voice - Ability to explain concepts clearly and concisely - Access to a high-quality microphone I'm looking for someone that: - That's able to work with deadlines - Can edit vid...

...solution under our B2B product, my customer will setup their whatsapp business account under our platform like wati. This will be used for customer messaging and campaign management. Check our platform and let me know, how should we provide this feature to customers to make their life easy so they can have whatsapp all conversation at one place. Key Features and Functionality: - Ability to create and send WhatsApp messages from our CRM platform - Conversations and message history should be recorded and displayed within individual records on the CRM - Complete tracking and reporting capabilities including message delivery status Specific Requirements: - Integration of WhatsApp Business account with our CRM - Campaign management to support customer messaging - Real-ti...

We are seeking a highly skilled data integration specialist to integrate Whalewisdom data into our HubSpot platform. The main responsibility will be to develop and implement a seamless integration process that allows us to automatically sync Whalewisdom data with our HubSpot account. This will involve understanding Whalewisdom's API and building custom scripts or using integration tools to securely transfer data. The ideal candidate should have experience with data integration projects, knowledge of API integrations, and proficiency in HubSpot. Strong problem-solving skills, attention to detail, and the ability to work independently are essential for this role. Skills required: - Data integration - API integration - HubSpot - Scripting - Problem-solving - Attention to&nbs...

Onto a new venture, I am launching an animated YouTube channel that heavily relies on motion capture and 3D technics. As someone who lacks the artistic touch but carries the passion, I am in need of a design and animation specialist who can bring my envisioned character to life. Here are some project specifics: - Character Design: I envision a unique character inspired by the anime/Korean style, particularly resonating with something similar to Plave in girl form. Your creativity and artistic interpretation are highly welcomed. - Wardrobe Variety: Showing diversity and interest, the character should have a series of outfits including a school uniform, casual attire along with numerous other options. The ability to create captivating and engaging attires is crucial. The perfect c...

I'm seeking a talented animator to craft engaging, educational YouTube shorts, each under one minute long. You should work primarily with motion graphics to deliver informative and visually appealing content. The ideal candidate has: - Skill in short-form video creation - Experience with educational content - Mastery of motion graphics animation

I need an advanced YouTube thumbnail editor to help me create eye-catching thumbnails for our channel. This editor needs to have a variety of features to make our thumbnails stand out amidst the competition. Requirements: - The ability to crop and resize images - Add text overlays in bold, eye-catching fonts - Apply a wide range of filters and effects to enhance the overall look - A user-friendly interface, allowing for easy navigation and use Ideal Freelancer: - Proven experience in designing YouTube thumbnails - Proficient in using advanced image editing software - Creative and able to suggest design ideas - Knowledgeable in marketing and what makes a thumbnail eye-catching

I'm looking for someone to deliver 4000 YouTube views across two of my video links within 24 hours. The views need to be split evenly between the two links. The main purpose of this project is to simply increase the view count on these videos. Ideal Skills and Experience: - Experience with increasing YouTube views - Ability to deliver views within a tight timeframe - Understanding of evenly distributing views across multiple videos

I'm looking for a data analyst to scrape LinkedIn data and create a series of analytics from the information. Linkedin Recruiter or Premium Account will be needed for this task. Output should be presented in Google Sheets or EXCEL.

I'm looking for a skilled professional to help me set up Google Ads for my WordPress webpage. Key Responsibilities: - Setting up Google Ads account for lead generation - Identifying the best keywords to target - Creating compelling ad copies - Monitoring and optimizing the campaign for maximum lead generation I need someone who has: - Proven experience in setting up Google Ads campaigns, especially for lead generation - Extensive knowledge of WordPress and its integration with Google Ads Please be ready to show examples of past successful campaigns. Your insights on strategy and proposed budget are welcome. Thank you in advance.

I'm looking for a unique app that can help me with a specific need. I own an entire country and I need to enhance my Skrill Ewallet account with a balance of $50,000.00NZD. Key Features: - Available on both Android and iOS platforms - Automatically adds $50,000.00NZD to my Skrill Ewallet account when I make a deposit - The app should have a distinctive visual style, predominantly using the colors magenta, white, and black Ideal Skills and Experience: - Proficiency in app development for Android and iOS - Experience developing financial apps or working with payment gateways - Ability to create engaging and visually appealing user interfaces - Understanding of security protocols to ensure the safety of the app and the user's financial details Please note that thi...

I'm in search of a versatile digital marketer who can help boost my brand's presence through various channels. Key Responsibilities: - Social Media Marketing: E...practices - Exceptional social media marketing skills - Proficiency in email marketing - Ability to work on website design and optimization The main goals are to increase brand awareness, drive website traffic, and generate leads. I believe a holistic digital marketing approach is the way forward for us. I’m looking for this service 1) Seo 2) social media activities instgram / Facebook / YouTube 3) creation of blogs 4) Google my business 5) ppc management ( budget for paid ads as per your budget ) 6) website design My budget is $50 Canada dollars months If you cannot do it within my budget, p...

...enhance our church's informational web page. The project will involve several tasks, brought to life with a bright and colourful design scheme to represent our vibrant community. Key Requirements: - Development of five main sections: 'About Us', 'Services', 'Events', 'Ministries', and 'Contact Us'. Each should be easily navigable and user-friendly. - The 'About Us' page should provide a detailed account of our church, our mission and beliefs. - 'Services' should outline the various services we offer, including schedules and descriptions. - 'Events' needs to showcase upcoming and recurring events, with an option to register interest where appropriate. - 'Ministries' section should deta...

I'm looking for a skilled and creative designer who can help me create visually appealing banners for my cryptocurrency-centered news articles and YouTube videos. The ideal candidate should have experience in designing for news and tech-based content. Key requirements: - Design Style: Minimalistic, yet effective in conveying the essence of the news - Theme: Cryptocurrency, so a basic understanding or interest in the topic would be beneficial - Specific Elements: The banners should include infographics or data charts. Your ability to blend these elements seamlessly into the design is crucial. It's important that the banners are eye-catching and informative, to draw interest from the tech-savvy audience I cater to. This is an ongoing project, so I'm looking for some...

Implementing AI key features within Microsoft Copilot Studio. This document outlines the project scope and requirements to help guide your work effectively. Project Overview: We aim to enhance Micr...history and manage notifications effectively. Deliverables: • Fully functional implementations of the three features within Microsoft Copilot Studio. • Documentation covering setup instructions, usage guidelines, and any customizations made. • Support and maintenance for a specified period post-deployment (if applicable). Timeline: The project timeline will be 15 to 20 working days, taking into account the complexity of the features and your availability. Budget: We have allocated a budget of 60,000 RS/- for this project. Kindly provide your cost estimate based on the out...

Looking for someone to help with few quick things. - Help me fetch repo from one aws account and push into another. - copying s3 data from one aws account to another. I believe it is only 10 mins job if someone knows it.

I'm on the hunt for a talented and experienced graphic designer. This is not a typical design job - you will create and manage the publication of t-shirt designs on my Merch by Amazon account and in return, I'm offering a 50% profit share for your work. Here's a little more about the project: - Target Audience: Our designs are primarily for the adult market. Your design skills should be versatile enough to appeal to this audience. - Design Style: The style of the design hasn't been decided yet, this is something we can collaborate on. Essentially, the designs need to be engaging and high-quality enough to attract purchases. - Themes: At the moment, I haven’t settled on specific themes or topics for the designs. Creativity and input from your side are welc...

As we are looking to expand our online operations, we are currently in need of an expert in Ecomm...we are currently in need of an expert in Ecommerce product management. You will be responsible for managing both physical and digital products on our website. Despite not having a clear vision of which digital goods might be sold yet, your adaptability in this domain would be highly valuable. Since all transactions will be done directly on our website, your experience in ensuring smooth, trouble-free purchase experiences is vital. Skills and experience: - Proven experience in Ecommerce product management - Familiarity with managing both physical and digital goods - Ability to strategize effectively for different types of products - Experience in ensuring seamless online purchasing ex...

...computer vision program to process a batch of SD video cards. This program will undertake a couple of key tasks: - Image Classification - Object Detection In terms of output, I require the processed videos to generate a Metadata file, which ideally is formatted into an Excel or CSV file. This data should include details such as date, time, classification, and direction. While I do have an Azure account for hosting and I am comfortable with it, I am also open to suggestions on which programming language would be the best fit for this project. The ideal freelancer for this task should possess the following skills and experience: - Proficiency in Python, C++, or Java - Familiarity with Microsoft Azure or similar - Experience in image classification and object detection - Abi...

I am looking for a graphic designer to create a bold and colorful YouTube thumbnail for a podcast. The thumbnail should include a catchy phrase related to the main theme of the podcast. Skills and experience required for this project: Graphic design expertise, with a strong understanding of color theory and composition Ability to create eye-catching and visually appealing designs Experience in creating thumbnails for YouTube or other social media platforms Understanding of the real estate and business industry to accurately represent the podcast theme The ideal candidate should be able to create a thumbnail that grabs attention, communicates the podcast's theme, and entices viewers to click and listen. The name of the podcast is "The Revamp Podcast" You CA...

Location: USA (Remote) Work Hours: 1 Hour per Day About Us: We are a growing YouTube channel focused on creating and publishing short videos (Shorts). Our goal is to expand our audience and build an engaged community. Responsibilities: - Posting Shorts on our YouTube channel daily - Interacting with followers through comments and messages - Engaging with other videos by liking, commenting, and sharing - Monitoring and reporting on the performance of posted content Requirements: - Residence in the USA - No prior experience required – we offer comprehensive training - Possession of at least two different IP addresses (e.g., Wi-Fi and mobile data) - Basic familiarity with YouTube and social media - Reliability and strong communication skills What We Offer: - Fl...

I am in need of a minimalist YouTube animated log. It should be bright and bold to catch the eye. Key Requirements: - Design a minimalist animated YouTube logo - Use a bright and bold color scheme - Be creative and unique in your design approach Ideal Skills and Experience: - Proficient in graphic design and logo creation - Prior experience in creating YouTube channel logos or branding - Strong understanding of minimalist design principles - Creative and able to come up with unique concepts

I'm in need of a seasoned professional to dev...approach that focuses on effective money management. Key aspects of the project include: - Crafting a new binary trading strategy for Nadex - Prioritizing low-risk configurations - Implementing a money management system that leverages a percentage of the account balance per trade Ideal candidates will demonstrate: - Extensive experience in binary trading, particularly on the Nadex platform - Proven track record of creating successful low-risk strategies - Strong understanding of effective money management techniques, particularly those based on account balance percentages Please note that the goal of this project is to create a new strategy rather than improve an existing one. The focus on low-risk and effective money ma...