In today’s world, paper money is become less and less common.Paper money replaced with digital money and using of digital money is more frequent today.Digital money is using on internet or digitally stored value systems.Digital money has many advantages for customers.Firstly,customers can transfer funds,purchase stocks or contribute their retirement plans without having to handle the paper money or checks.This will help people who dont want to struggle with actual money.Moreover,customers don’t have to wait in lines for hours .Some people have problems with their physical condition and they shouldn’t remain standing,digital cash will probably help them.Furthermore,you can transfer your funds immediately.In busines you may not have enough time to struggle with paper money but you can use digital money for immediate transfer for fundsDespite these advantages it has also some disadvantages .To begin with,hacking bank accounts is the way of theft which is used for retrievaling of bank records.These records involves privacy of many customers and thefts can transfer money from these accounts to their accounts.Furthermore,power failures or loss of records can led to major setback in promoting technology .If there are any loss these records must be renewed by customers and bank but this will take time,sometimes customers dont have enough time to do and this will probably result in bad consequencesTo conclude,the advantages and disadvantages of using digital money should be considered by customer before using it in order to not having any problems
sir may be there is punctuation problem again please give me some information about it and organising and content are more important for me thanks for already 
TOEFL listening lectures: A university lecture by a professor of Art History
In today’s world, paper money is becomING less and less common.Paper money WAS replaced with digital money and THE using of digital money is more frequent today.Digital money is using on (I)nternet or digitally stored value systems.Digital money has many advantages for customers.Firstly,customers can transfer funds,purchase stocks or contribute TO their retirement plans without having to handle the paper money or checks.This will help people who don’t want to struggle with actual money.Moreover,customers don’t have to wait in lines for hours .Some people have problems with their physical condition and they shouldn’t remain standing,digital cash will probably help them.Furthermore,you can transfer your funds immediately.In businesS you may not have enough time to struggle with paper money but you can use digital money for immediate transfer OF funds.Despite these advantages it has also some disadvantages .To begin with,hacking bank accounts is A way of theft which is used for retrieving of bank records.These records involves privacy of many customers and THIEVES can transfer money from these accounts to their accounts.Furthermore,power failures or loss of records can led to A major setback in promoting technology .If there are any lossES these records must be renewed by customers and bank but this will take time,sometimes customers dont have enough time to do THIS and this will probably result in bad consequencesTo conclude,the advantages and disadvantages of using digital money should be considered by customer before using it in order to not having any problems.
::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::Again, good work spoiled by the absence of punctuation. There is no valid excuse for this Immortal. Simply go to Google and tap in “PUNCTUATION.” If you knew how boring trying to read this kind of text really is you wouldn’t write another word until you had solved this problem. Your work was good, but it would have received very, very low marks in the TOEFL.
Kitos. 8/10
sir i dont know rules commas,periods,semicolons,colons,dashes and apostrophes which of these are my problem maybe i can study for it becuse my exam is approaching and 6 days left