Commercial Loans – The Truth About Collateral

Being new to the business of commercial lending, I had a rather skewed view of collateral and the importance of it when making a loan. As time has progressed, I not only realize the importance of securing collateral when making a loan, but the absolute necessity of having it. First things first, what is collateral and why is it important for obtaining a commercial loan?

For the sake of sounding too simple, collateral includes any and everything that a lending source can take a security interest in such as equipment, vehicles, inventory, accounts receivable, land and buildings, notes receivable, or investment accounts. Why do lending sources look to obtain security interest in these assets you’re wondering? Glad you asked. In order to minimize their risk of loss in the event of nonpayment of the loan. Just as in our personal lives, nothing in life is guaranteed and no one has been able to forecast accurately the future with any measure of consistency. In order to have a measure of confidence of not only being repaid, but also to cushion the blow in case life happens, banks secure assets as collateral.

The assets you may have to put for collateral have a measure of marketable value depending on its use, age, and resale value. Understanding the value of having collateral is a must for early stage and startup businesses. In addition to becoming cash flow positive as quickly as possible, the second goal for a startup or early stage business is to acquire assets with some ownership interest or at a minimum a controlling interest. Meeting these goals early on will help considerably when making application for a commercial loan. Not only does it minimize business, operating, and collateral risk in the eyes of the lending source, but it also affords you the ability to obtain better terms on the loan.

Jericho Business Advisors provides value added consultation and advisory services for small business owners / operators in the areas of accounting, taxation, and financing.

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3 Ways to Strengthen Business Loan Repayment

Congratulations!!! After much duration, paperwork, and due diligence, you (and your team) were able to obtain a business loan to help grow the business. Now what? After the loan proceeds are deposited into your bank account, what should be your next thought beyond spending the money? Honestly, not much thought is given to the obvious: how will this loan repayment affect the business? I would offer that during the pre loan approval stages, some thought is given to this, but when the money has been released and spent, little if any concern about repayment is made until it becomes a problem. My desire in this article is to equip you with 3 ways to strengthen repayment of the business loan so that it does not become a problem to you or your business.

Number One: Have a Clear Understanding of the Loan’s Terms
Money has a tendency to blind us from common sense especially when we’re in need of it. Business owners are no different. The sheer excitement and feeling of accomplishment in obtaining much-needed capital can overshadow the concessions one makes to get it. Rather than being captivated completely by the “Yes” or “No response, be sure that the loan terms are acceptable to you and your business. Don’t agree to something you won’t be able to perform and / or accomplish over the agreed upon term of the loan.

Number Two: Project Short Term Cash Flow
Yes, I know, math. Sometimes the mention of the word gives most people an upset stomach. If that’s the case, take some Pepto-Bismol and get to work. You’ll be thanking your lucky stars you did. I’m not recommending here a full-blown, comprehensive cash flow analysis, but I’m proposing that you compile a realistic analysis of how the loan impacts incoming cash and outgoing cash in terms of repayment. Based on the terms, what’s the frequency and amount of repayment? Remember, you have to add this repayment amount to fixed overhead as opposed to being a variable cost.

Number Three: Plan For the Worst and Have a Plan B and C
Life is organic and no matter how precise we plan, there always seems to be a curve ball. It’s no different with the repayment of a business loan. Yes, during the pre approval due diligence stage, there’s a mutually agreed upon repayment structure that more than likely includes collateral (real and / or personal property), but life happens and the plan can get off track. What’s the remedy for this? Always have a plan b, and even better if you have a plan c. What do I mean? Well, if the first option for repayment becomes invalid, then you need to have a different cash flow source of repayment via earnings, asset sale, or an infusion of invested capital.

In closing, remember to think ahead when you’re approved for a business loan and consider thoroughly the impact of repayment on the business cash flow. The last thing you want to do is not think about it because ultimately business loans are required to be repaid in full with interest OR ELSE.

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Key Medicare Annual Enrollment Choices

The Annual Enrollment Period for selecting Medicare choices is well underway.

Medicare coverage decisions can only happen during the period of October 15 to December 7 of each year. “Special Election Periods” allow, in specific circumstances, changes during other parts of the year.

The Annual Enrollment Period gets much attention, advertising from insurance companies and comment. What is at stake?

The Government provides Medicare services in Part A and Part B. Private insurance companies sell supplement insurance to cover many of the costs Part A and Part B do not and Part D drug coverage. That is classic “Original Medicare”.

Private insurance companies also offer Part C “Medicare Advantage” plans. These offer Original Medicare services; often with other benefits.

This will not survey the details of all the choices. We discuss here the choice between the Original Medicare choices and the Medicare Advantage choices. The bottom line is the potential out-of-pocket costs a person has to incur in either case.

Original Medicare has premiums for Part B and any supplement policy bought. However, there is less in co-pays and co-insurance. Medicare Advantage plans often have much lower monthly premiums but often higher co-pays and co-insurance; but there are maximum “total out-of-pocket” expenses to protect against major expenses from hospitalizations and other causes. To make a choice to go with Original Medicare or a Medicare Advantage plan calls for a projection of how much medical attention you are going to need.

Original Medicare is usually best suited for someone who expects to need more medical services. Even though the premium is higher than most Medicare Advantage plans, the lower co-pays and co-insurance costs can make it the better bet. If there is a sense there will not be a need for much medical attention, a Medicare Advantage plan may be the better way to go. The lower premium saves money over Original Medicare Part B and a Supplement policy; and there is a cap if you need more medical attention than expected. Plus, Medicare Advantage Plans often have added benefits like vision or dental services Original Medicare does not have.

Trying to calculate the potential cost differences is, itself, trying. But the general principles are a good guide to what to consider. If it is clear much medical attention will be required, Original Medicare planning should be considered. When the expectation is little medical attention will be needed, then a Medicare Advantage plan can have the advantage of less monthly premium; but, perhaps, some added benefits.

Cost is always important. However, if you have favorite doctors and other providers, make sure they are in the network of any Medicare Advantage plan. If you cannot see the doctor of your choice or get the medications you need, any cost savings is not worth it. Your good health is the most important preference of all.

Most important, remember to complete your choice before December 7. If you do not, you may find yourself stuck in a plan you do not like until this time next year.

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Money Laundering and Major Risks

The concept of money laundering is very important to be understood for those working in the financial sector. It is a process by which dirty money is converted into clean money. The sources of the money in actual are criminal and the money is invested in a way that makes it look like clean money and hide the identity of the criminal part of the money earned.

While executing the financial transactions and establishing relationship with the new customers or maintaining existing customers the duty of adopting adequate measures lie on every one who is a part of the organization. The identification of such element in the beginning is easy to deal with instead realizing and encountering such situations later on in the transaction stage. The central bank in any country provides complete guides to AML and CFT to combat such activities. These polices when adopted and exercised by banks religiously provide enough security to the banks to deter such situations.

However if a bank encounters any such situation it encounters the following types of consequences:

Reputational risk

The major risk a bank faces when it finds itself caught in any sort of money laundering is reputational risk. The reputation of the bank goes negative and in turn it might face huge withdrawals. There might me loss of profitable business and many other liquidity issues. The quantum of this risk might cause a bank to confront various investigations costs and penalties. The biggest hurdle a bank has to undergo is the situation of mistrust by the customers which is devastating.

Operational risk

It is another one of the major consequences of money laundering which a financial institution faces. It is a kind of risk which lies in the internal procedures, people and system after they breakdown. It is a risk which is included in the operations of the business. Thus it creates disturbance in the smooth functioning of the organization.

Legal risk

Legal risks are also posed to the organizations due to the uncertainties in the legal actions which might come up for the organization to deal with them. These might include certain charges on the bank, the dealing between the money launderer and the bank etc.

Concentration Risk

This type of risks is majorly pertains to the banking industry and defines the probability to which any bank has lent money to a particular group. The increased lending without proper identification or the realization after encountering money laundering act may cause a bank to suffer loan losses which in turns deteriorate banks standing in the industry.

Opportunity Cost

One of the major consequences a bank faces is the increase in opportunity cost. It is increased in a way that the management finds itself spending its time in managing the damage control which the act of money laundering has caused instead of utilizing that time for other better perspective.

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Available Business Funding Sources

There are many sources who offer business funding today. Knowing the different sources will help you find the best funding options for your business.

Remember, most of these funding sources you can access right through your funding suite with us. So reach out to me to receive more information about the specific funding that will work for you and your business.

In the meantime take a look at some of the many sources of funding that are available today.

Business Charge and Credit Cards are a fast and easy way to access cash for business. You can use the money for any purpose, and you can be approved for business credit with no personal guaranty or credit check. Many merchants will approve you for individual credit cards of $10,000 or higher.

Angel investors have been responsible for funding over 30,000 small businesses each and every year. With over 250,000 active angels in the country you may want to consider an angel investor network to simplify your search. These investors are a great source of funding when banks won’t approve you, and perfect for projects where you need a lot of money.

Asset Based Funding is perfect if your company has collateral such as accounts receivable, inventory, equipment, purchase orders, or real estate. These assets can be used to secure the financing you need, and you can secure asset based funding even if your credit isn’t very good.

Bank Loans are still available, although they have become harder to get approved for. Many large banks tend to be much more conservative in lending so you may want to consider a community bank or credit union for a small business loan.
Equipment Leasing helps when you want to lease expensive equipment, and some equipment leasing and financing also works for you to borrower against existing equipment you already own.

Factoring is perfect if you have high amounts of account receivables. You can obtain funding up to 25 million and you can receive your advance within 24-48 hours in most cases. With factoring, you sell your company’s accounts receivables to a company (known as a factor) at a discount, in order to free up your cash. The company that purchases the receivables then assumes the responsibility for collecting them. This is a great option as they absolutely don’t care about your own personal credit.

Grants are a great way to get money for your business, especially government grants. Depending on your business types and intended use of funds, there are many options available for you to receive grant money that doesn’t need to be paid back.

Lines of Credit are perfect sources of working capital. A line of credit works like a revolving credit card but with much lower interest rates and higher available credit limits. You can get credit lines over $150,000 and write checks from the account or use a debit card to withdrawal funds or use for purchases.

Merchant Cash Advances and Merchant Lines of Credit are perfect for businesses who process credit card payments. This type of financing will advance you money against future credit card transactions. You can even get a debit card to use the funds you secure.

Microfinance Loans are less difficult and time intensive to qualify for with loan amounts ranging from $500 to $35k. Many businesses use several micro loans to get money for their business versus applying for one larger loan due to the easier qualifying criteria.

SBA backed Loans are still one of the most popular financing options available today. SBA backs, or insures about 80% of the loan while the lender lending the money takes on about 20% or so of the risk. Due to the lower risk to the bank, many major banks are more apt to lend money using SBA backed loans than regular loans.

Venture capital is neither easy nor fast to be able to tap into but can be a viable source of funding. This is a great source when you need higher loan amounts, and don’t mind giving up a potential stake in your company. Plus you don’t have some of the headaches that come with conventional funding.

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The World’s 3 Most Impenetrable Banks

As banking moves online and people worry about using cyber-secure passwords to protect their savings accounts, it’s easy to forget that all banks are physically secure. Some financial institutions are ridiculously secure, making the prospect of organizing a bank heist very daunting indeed. Of all the treasuries in the world, these three have gone to great lengths to ensure that their contents remain safe and sound.

1) Fort Knox – The United States

A US Army post located in Kentucky, Fort Knox is a fortified vault used to store the United States’ gold reserves. Thieves hoping to steal American gold bullion must scale four surrounding fences-two of which are electric-sneak past several armed patrols, and avoid video cameras to make it to the vault’s exterior wall. Once inside, the safe itself proves to be the largest obstacle. No one on the planet knows the entire combination to the Fort Knox safe. The only way in is to gather several staff members that know portions of the combination. Even after breaking in and gathering loot, 30,000 American soldiers will be waiting to meet thieves on their way out.

2) Svalbard Golden Seed Vault – Norway

Located 430 feet below sea level, the Svalbard Golden Seed vault is built to survive Armageddon. This facility houses 500,000 plant species in a temperature-controlled environment, which acts as a safety net in the event that the Earth loses vital plant species. Its location deep underground protects it from natural disaster, and its remoteness prevents any potential human saboteurs from reaching the facility, let alone breaking into it. Its concrete structure and four steel doors can even protect the facility from a direct nuclear strike. In addition to the armed patrols, air locks, and video cameras, the area around Svalbard is occupied by 3,000 polar bears-a natural defense against any intruders.

3) Bahnhof Underground Center – Sweden

Who knew that an Internet provider could construct and monitor one of the most impenetrable facilities in the world? Swedish Internet provider Bahnhof converted an old nuclear bomb shelter into a data bunker that now houses the servers for WikiLeaks and other important information. It’s located 100 feet below a mountain in Stockholm, and it boasts a 1.5-foot thick steel door to keep out any unwanted visitors. In the event of a power outage, the facility is equipped with enough backup generators to keep the bunker running for weeks.

It is unlikely that any local banks can boast the same security measures, but customers can rest assured that every financial institution is equipped with enhanced security.

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High Ticket Affiliate Marketing

I started learning about affiliate marketing several years ago. I had bought a digital product in the form of an eBook from eBay. It seemed like a good business model straight away since the sales were automated, and the product could be downloaded instantly. I looked to do the same thing and created a few of my own eBooks to sell online. However, I struggled for a number of reasons.

But the thought of an automated business system never went away. I continued to look into the idea and this led me to the business model of affiliate marketing.

Affiliate marketing is a form of referral based marketing which rewards the affiliate for a sale made on someone else’s website. Anyone can learn how to become an affiliate marketer. What drew me to affiliate marketing was the potential to work for myself from my laptop, without the need to actually handle products or even speak to any customers!

It was also the sheer scale of potential to earn income from digital sales worldwide.

In the first instance, after I created an eBook myself, I couldn’t get anyone to see my content. I figured people would just buy from a website once I had thrown it into the ‘cyberspace’ of the internet world. I suspect many people make this same incorrect assumption.

The truth was a little hard to bear after a number of failed attempts to promote digital products online. However, my first success came after selling a website building program I had used. I created a free blog from a site called hubpages.com. I wrote about the product and created a product review. This is a simple strategy which many affiliate marketers use to make money on the internet. It works if they can get their content seen by the right audience.

My first sale only made me $40 though but at the time it was huge for me. It was a breakthrough which spurred me on to keep going. For me, it wasn’t just $40. It was the future of my earning potential and the ability to earn from the internet without a boss or a crummy job; something which I was desperate to escape having to do!

Nothing much happened after I made my initial sale. I went from one strategy to another and kept getting distracted by shiny objects which promised more money for less work! It wasn’t until I discovered high ticket affiliate programs that thing really stepped up a gear for me.

Within a few months of joining a high ticket program, I was able to make two high ticket sales after advertising on Facebook. It was absolutely amazing and I thought I’d made it! I rested on my laurels though and because I didn’t have a steady income at the time, I pulled the money out, not even thinking about continuing the marketing.

After that I spent all my time focused on content marketing for a while. Content marketing is a pretty slow strategy but I did get some results from it. It was much, much slower though than the paid marketing I had done previously.

Until I had gained some more confidence in what I was doing, I hadn’t put more money into paid marketing strategies again. When I eventually did, I had another major success. High ticket programs can give you huge commissions, depending on how you position yourself in a business system. Products valued up to $20,000+ can earn you 40% commissions on a single sale.

I had a range of these products within my sales funnel but I didn’t have the right mindset or knowledge to trust the journey I was on! I was too scared to spend money on advertising for quite some time. When this changed, so did my business – dramatically for the better.

The power of subscription products also suddenly came into my awareness. Although I had this sales funnel, I didn’t understand it for a long time. It is ‘geared’ to pay you in multiple ways. Subscriptions are just one strategy which can pay you again and again for work done previously.

With subscription products, you sell something once, and it pays you an income – potentially for life. Even a small subscription commission month in month out, can be far better than the odd sale here and there of a much more valuable product. Over time, and as your number of memberships grows, your income grows too.

Multi-tier sales are another feature of the best high ticket affiliate programs. With multi-tier, you can earn commissions based on the sales of your referrals. This means that if you sell membership products of a certain business system, your members sales count as your own and you get a percentage of the commission.

Up-sells are another component of a good high ticket sales funnel. A good sales funnel will have a range of products which you can earn commissions on. You don’t need to sell every product personally because an in-house sales team will do this for you. Simply refer people into your sales funnel and let the funnel do the work.

As an affiliate marketer, your main focus is on marketing. With the right business model, you can earn in multiple ways for having referred customers to useful products and services which will be of value to them.

My journey to find the high ticket affiliate programs was a long one filled with a lot of failures! I tried selling smaller valued products in a variety of different ways. I used organic content marketing strategies and paid strategies to market products. But it wasn’t until I discovered the right business model that things changed for me.

With a good business model you can have more confidence in your marketing strategies. With the right training and mindset, you can accomplish a lot more in a shorter time period.

So, if you want to be an affiliate marketer, I would recommend looking at high ticket affiliate marketing. It is still a business and like any business it takes hard work and motivation to keep going and to make it work. But it takes the same amount of work to fail many times if you face in the wrong direction from the start!

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The Power of Content Marketing

WHAT IS CONTENT MARKETING?

Content marketing is described as a strategic approach to marketing that focuses on the creation and distribution of valuable, consistent and relevant content to attract a certain refined audience for profits in the consumer market.

Most leading brands hire people with courses in content marketing to improve the branding of the product or service being marketed in the public domain and also benefits enterprises by increasing sales, cost saving and getting more and better consumers with higher loyalty.

THE NECESSITY OF CONTENT MARKETING

Marketing has revolutionized today due to the digitization of almost everything around us. Mass media is targeted to reach the specific audience for which the product or service has been catered for. Quality content is extremely essential for successful marketing along with a well-defined plan or strategy.

Different forms of content marketing like social media marketing, search engines publishing quality and consistent content, successful PR strategies, inbound marketing etc. are dependent on a proper content strategy that helps deliver the perfect content for a curated or mass audience.

Today, everything is digital. Marketing for almost anything, be it political, retail products or services, food or academic books etc., Everything is effectively and almost freely marketed via social media platforms like Facebook, Twitter, Instagram etc. Most of these social media websites and search engines pop up relevant ads according to the searches we make across the Internet.

STATEGY FOR CONTENT MARKETING

Content marketing must be smart so as to capture the attention of the target audience for the service or product. Targeting the youth on social media, the elderly via television and radio advertisements are some of the strategies for smart content marketing.

The content must be designed in such a way so as to target the right audience in their mindset. Map the content for the product or service and then try to use the right type of content for the problem by mapping the buying cycle of people who have the specified problem and would be willing to venture into the product or invest in the service.

VARITIES OF CONTENT

Different types of content are available suitable for different marketing strategies like vlogs, videos, advertisements, billboards, surveys, email newsletters, posts on social media pages like Instagram, Facebook, Twitter etc., Polls, podcasts, quizzes, outreach programs, photographs, predictions, news etc.

Each option has its own benefits and can be used according to the demand of the situation. The single main goal of marketing is to increase business revenue and there are numerous ways to achieve that.

Content marketing requires creative brainstorming from professionals who can analyze the minds and thinking of the consumer to decide which approach is best to capture their attention. Interactive and creative content will definitely help make a product or service successful.

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5 Result Oriented Tips To Make Money Writing Job Succesful

People across the globe are turning their fortunes by undertaking make money writing jobs. Presently, these jobs are available in numerous formats. Depending upon your experience, expertise and knowledge, you can earn enough to sustain your lifestyle. In fact, many are choosing this as a nice career options as it offers great money and freedom to write on your niche topic. Here, you get an opportunity to write on different topics for different lengths.

Adhere to these 5 tips if you wish to be in this field:

Tip 1

Display Your Ability And Talent

If you wish to earn the appreciation of your readers, it is better to exhibit your true ability and latent. You can accomplish this simply by adopting an unique writing approach. For instance, you can imbibe the writings with your personal happenings in life. Likewise, you can go about injecting some element of humor in your writings. This flexibility is definitely a bonus as traditional forms do not give you this privilege.

Tip 2

Choose Your Niche Topic Judiciously

Remember – not all writers succeed in this field. This is partly because they make an unwise decision while selecting the niche topic. Depending upon what you choose, the length of your write-ups will vary. For instance, if you are writing in a technology blog, the post ought to be of 300-350 words. Similarly, if it is a non-technology blog, it can vary from 500-1000 words. This is why selecting your niche wisely can make or break your fortunes. It is the length of the posts that determine the quantum of hours you have to devote in make money writing projects.

Tip 3

Make The Best of Your Abilities

Today, writers are writing posts /articles for their individual blogs as well as on behalf of other website owners. In case of later option, you can earn by ‘selling’ articles written by you. let us not forget, there are thousands of websites in the cyberspace. Website owners are on constant look out for writers who can writer fresh content on their behalf. This clearly means if you have the abilities in you, earning large sum of money is quite possible.

Tip 4

Network With Others

There is a cut-throat competition in the online content industry. In order to outwit their rival competitors, web owners are ready to pay more for fresh content. They prefer so as it helps their websites to earn top ranking in search engines. Therefore, if you create a better network it enhances your chances to market your writing product. Networking helps to spread word about you. When you get any opportunity, just grab it and make the most of it.

Tip 5

Have Patience

If you are a beginner in this field, you can expect great pay. However, with time you become more experienced and established. This will give you an upper hand when it comes to bargaining power for the price. In fact a lot of writers are earning fulltime having spent few years in this field as a part-timer. Needless to say, it does take some time to establish this reputation and goodwill in make money writing field. You can easily achieve it provided you have loads of patience.

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Top 7 Tips To Access The World of WordPress Store Owners

1. How to Reach WordPress Store Owners?

So you want to reach the world of WordPress owners of stores. You can reach owners on WordPress fairly quickly by typing the words WordPress Store on the search engine within WordPress itself. You then get a drop-down list of all the stores available on WordPress.

Once you get the drop down list, you can then find your particular niche of stores that you want to target and attract and begin to build a system to become very attractive to these particular entrepreneurs.

2. Attract Store Owners

Becoming attractive to online shop owners on WordPress will require research. To connect with only those people that own stores will mean being able to provide store-owners with something they will need.

Knowing what the most important objective is to them will go a long way towards keeping you within their circle and attracting more like-minded clients. Posting news articles and the latest updates on pertinent topics for store-owners such as articles like Generate Online Sales Faster will go a long way.

3. The Main Objective

No matter what age, location or demographic they belong to, most owners have one thing in mind and that is to generate sales. Getting their products moving out the virtual door is the main goal. This is, after all, what will generate cash and keep business running with the passage of time.

Knowing that this is the objective of store owners will help you zero-in on what you can provide them.

Having a product or service that will get products of WordPress store owners moving out the virtual door is what will get you more clients.

4. Get The Word Out

To reach WordPress owners of stores, you can connect to your niche’s online influencers and begin to get the word out to store owners about a product, feature, app or service you plan to offer. It is not unlike reaching actual customers. The difference is that your customers or potential clients happens to be entrepreneurs on WordPress.

It helps to think of it as having a regular marketing strategy for normal customers except that the particular audience you have in mind happens to be people that own a WordPress store.

Building a relationship with these professional store owners can be done using the outreach possible by influencers. Subscribe to blogs, follow them on social media accounts and be specific about your target store-owner. You can also comment on blog posts, respond to updates on Facebook and even tweet back on Twitter.

The point is that you need to get into their circle of influence and within their radar to get noticed and build credibility as a service or product provider.

5. Blogging Helps

To attract the store-owning clientele on WordPress, it helps to have a blog. Posts like Top Ten Tips for WordPress Store Owners will be sure to catch their attention. You can even include tweets and posts you have done on other sites to gain credibility even further.

6. Build A Relationship

Most WordPress store owners are in it for the long run. For the most part, each store owner would have carefully put together a social media integrated strategy to advertise and promote their site and products. They will usually have more than a few traffic-generating techniques that they are putting into action.

As a way to attract entrepreneurss, you will need to put something similar into play. Plan a strategy of integrated marketing and traffic generation. The difference is that your particular traffic happens to be those people that own a store on WordPress.

Building a long term relationship will mean consistently keeping in touch, providing services and seller-products they are interested in and new methods of attracting customers that they will want to jump on. Being ahead of the game really is the key. Remember, their sole purpose of existence is to get products moving out of their store.

If you can prove that you can consistently help them generate sales with what you provide, you can be sure to build a long-term relationship with each store owner you connect with.

7. Welcome Feedback

In every area of virtual existence, improvement comes from being open to feedback and tweaking your services to suit the needs of your clients. This includes store owners on WordPress. Find out what they like and what they don’t.

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