8 Real Questions to Ask Your Prospective Credit Counselor

Posted by wpadmin | Posted in Financial Advisement, Government, Personal Finance | Posted on 22-01-2016

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Truthfully, we hate labels. And titles. And name placements. Political correctness: it’s a fickle beast, especially when talking about something as touchy as credit repair. But no worries — we’re not going to sugar-coat or bounce around the topic like some organizations or professionals out there, and we’ll tell it like it is. It’s very simple: when talking to a credit counselor, you have to ask specific questions just to be sure you’re talking to a real credit counselor for the right reasons. Why? Just remember this important fact: credit repair walks a fine legal line. You want to make sure you stay within it.

Here Are Eight Real Questions You Absolutely Must Ask a Credit Counselor — Just to Be Sure You’re Dealing With the Real McCoy

There are a lot of credit repair scammers out there, in other words. Many will label themselves as credit counselor-1credit counselor, but that’s not what they do. As a consumer, you have a right to know what you’re dealing with before potentially getting yourself in hot water, so ask the potential credit counselor you’re consulting with, and interviewing, these specific questions:

  • Can You Approve My Bankruptcy Filing? — What we mean by that are the legal requirements to filing for bankruptcy. The credit counselor you’re talking to has to have the certified approval to sign off on the legally mandated requirement to seek credit counseling before filing for bankruptcy. So make it a point to ask this question immediately.
  • Are You a “Debt Counselor” or a “Credit Counselor”? — Like we said, we hate the labels. They may sound so similar; but in truth, they’re very different. You ask this question just to be sure you are dealing with a real-life credit counselor. What are the differences? Find out right here.
  • Are You a 501(c)(3) Organization and Can You Prove It? — Now you’re getting tough with the prospective credit counselor, and you should. Grill that credit counselor to the bone with this one. Why? Why does it matter that the credit counselor’s a 501(c)(3)? Here’s why.
  • Are You Accredited? — Almost seems like a no-brainer of a question, but would you like to know exactly what kind of accreditation you should be hearing from a credit counselor? Read about it right here.
  • Are You Professionally Trained? — Remember this important fact: you are interviewing the credit counselor. So you’ll make that professional sweat. Ask them the tough questions. Knowing the ins and outs of credit repair and restoration is one thing — being completely certified is a whole ‘nother ballgame entirely.
  • Do You Have Any References? — Honestly, a true credit counselor would, and should, lick his or her own lips at this question, frothing at the mouth at the opportunity to show off the praise and positive reviews from prior clients. So go ahead and ask. Specifically, there’s one other big reason why a credit counselor would love to offer up references….
  • Can You Guarantee Success? — AHA! Another ‘trick’ question here. The fact is no credit counselor in the galaxy — nay, the universe — can guarantee anything. Here’s why.
  • And, of Course, How Much Do You COST? — Shop around and you’ll find the fees jumping left and right. Obviously, go with the most beneficial solution for the consumer to a certain extent, and you’ll learn why right here.

Just Remember, Though: They’re Not Doing the Credit Repair Work For You….

Rather, they’re pointing you in the direction of what you need to do and maybe even assisting in the legal process. There’s value in that, something not only we at ICS do, but other reputable agencies and organizations like ITPN would do on a regular basis, so it does exist.

You just need to make sure you’re actually talking to a real deal, and not a real poser in the business. You accomplish that, of course, by asking these questions. Because, after all, this is your credit report we’re talking about! And your credit score is the difference between getting that job, or landing the home mortgage, or securing an auto loan.

Make sure you’re talking with a real professional.

The post 8 Real Questions to Ask Your Prospective Credit Counselor appeared first on Independent Credit Solutions.

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Little Bo Peep’s Guide to Starting a Business

Posted by wpadmin | Posted in Business and Corporations | Posted on 08-06-2015

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Sheep: that’s what they all are, right? The 9-5’ers, the grateful “baa baa’s” of the mindless workers punching in and punching out. You can imagine, though, that those sheep would love to break out of the mold and leap the fence. To what end, though? How about starting a business?

Stаrting a business is one оf the bеѕt things you can dо tо ѕесurе your financial futurе аnd independence. A buѕinеѕѕ оf уоur оwn iѕ оnе оf thе best wауѕ to еnjоу finаnсiаl freedom аnd turn your passion оr hobby into a lucrative еаrning орроrtunitу. Ask any sheep about whether or not they’d love that!

Things to Consider Before Stаrting a Buѕinеѕѕ

business bo peep

Whether уоu are ѕtаrting a buѕinеѕѕ on a part-timе оr full-timе bаѕiѕ, it is important to consider a fеw thingѕ firѕt. One оf thе mоѕt crucial aspectѕ tо соnѕidеr iѕ whаt type оf business уоu аrе mоѕt comfortable with.

Onе оf thе mоѕt imроrtаnt thingѕ whеn starting a business iѕ tо start a buѕinеѕѕ thаt is a rеflесtiоn оf уоur оwn interests. Stаrting a business thаt is bаѕеd around аn аrеа in whiсh уоu have expertise саn grеаtlу rеduсе thе learning сurvе and inсrеаѕе уоur сhаnсеѕ for ѕuссеѕѕ.

Aftеr аll, you will аlrеаdу have to lеаrn the inѕ and оutѕ оf running a business; starting a buѕinеѕѕ based аrоund a fаmiliаr ѕubjесt can mаkе gеtting thаt buѕinеѕѕ оff thе ground a grеаt dеаl easier.

Research the Avаilаbilitу of Smаll Business Lоаnѕ

Whеn it соmеѕ tо ѕtаrting a nеw business, it iѕ imроrtаnt to ѕееk out thе financing аnd hеlр tо which уоu are entitled. Starting a buѕinеѕѕ саn bе an еxреnѕivе proposition, but fоrtunаtеlу thеrе iѕ рlеntу of help аvаilаblе, in thе fоrm of grаntѕ, lоаnѕ аnd оthеr орроrtunitiеѕ.

It iѕ a good idea to thоrоughlу research thе аvаilаbilitу оf small buѕinеѕѕ loans аnd finаnсing before уоu start up thаt nеw buѕinеѕѕ, or else your endeavor would be like a wolf in sheep’s clothing. Don’t get caught up in that.

Cоnѕult With a Tax Advisor and an Aссоuntаnt

Give yourself props for consulting with a tax аdviѕоr аnd аn ассоuntаnt bеfоrе starting thаt new business.

A gооd tаx аdviѕоr саn hеlр уоu reduce уоur tаx burden whilе thе buѕinеѕѕ gеtѕ gоing; while аn ассоuntаnt саn hеlр уоu ѕtruсturе уоur business in a wау that will mаximizе profit роtеntiаl, increasing thе сhаnсеѕ fоr ѕuссеѕѕ.

Writing a Buѕinеѕѕ Plan

Before уоu ѕtаrt уоur buѕinеѕѕ, it iѕ a good idеа tо writе a business рlаn. Thе buѕinеѕѕ рlаn is оnе of the mоѕt imроrtаnt dосumеntѕ уоu саn have when starting a buѕinеѕѕ.

Sеt Yоurѕеlf Frее Frоm thе Ninе Tо Fivе

Stаrting a buѕinеѕѕ is not аn easy рrосеѕѕ, but it саn bе аn important ѕtер tоwаrd gеtting thе finаnсiаl freedom you have аlwауѕ ѕtrivеd fоr. Starting a buѕinеѕѕ of уоur оwn can bе a great way tо achieve ѕuссеѕѕ аnd ѕеt уоurѕеlf frее frоm the nine-tо-fivе wоrld and cease to be just a sheep.

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The Foundation: Why a Good Financial Advisor Should Have a Firm Educational Background

Posted by wpadmin | Posted in Financial Advisement | Posted on 29-04-2015

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Clearly, honesty is crucial when consulting with a financial advisor. So why not take advantage of that with a bunch of questions to ask during such an interview? One particular question is the obvious one: education. Where did the prospective financial advisor get the grade? What was the grade? More importantly, did the advisor enjoy the training after even getting the degree? Talk about the mentor or coach. But gritty and real with that financial advisor to dig up the roots and find out if you’re dealing with someone who’s not only experienced, but actually loves the job more than anything to the point that you’re not just going to get par for the course when it comes to financial and tax planning services, but a few birdies and eagles to boot on an 18-course run.

Asking a Financial Advisor This Question, Though, Is More Than Just About financial advisor golfingGathering the Credentials

You’re getting a feel for whether or not the financial advisor worked well with the higher-ups back in the day. If the financial advisor enjoyed working with his/her teachers, coaches and mentors throughout the educational upbringing, the research right there will tell you that you may be dealing with the cream of the crop.

After all, financial advisement isn’t just a 2-person, “let’s meet once in awhile” sort of deal. This is all about your finances. Your money. If someone’s going to be working with you on your money, you’re going to want to be completely involved with that person from front to back, beginning to end, and sideways, making sure you’re both on the same page.

You want to know what the financial advisor’s pets are. How they’re fed. Where they sleep. And how much hair they lose during the Spring season, in other words. That’s just an example, of course.

Don’t Overdo It, of Course

You’re still a partnership — but it’s definitely a very close partnership. At the end of it all, you may not only get a major connection in your life — very much like a lawyer or doctor, to be honest — but a person who can manage your finances and keep you going throughout your life. There’s value in that. Ask the right questions to ensure you get that value quite well.

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Financial Advisors Investing in Continual Training and Reinforcement

Posted by wpadmin | Posted in Financial Advisement | Posted on 29-04-2015

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If there’s one thing you need to know about the personal finance industry, it’s this: new developments are always on the horizon. That’s why financial advisors — if they’re smart at what they do — always do right if they stay abreast on the current trends of the industry. They forecast. They explore. They redefine the market. They may even set new trends. Congrats to you if you happen to find a few financial advisors who are of the latter — although you’ll have a difficult choice to make as you consider questions to ask when consulting a few of those financial advisors.financial advisor chameleon

It’s About Your Money When Considering Financial Advisors

You, therefore, want to consult the absolute best in the business. Treat it as if you’re researching and consulting attorneys to find the very best fit. How do you find out who’s the best? Simply put, you ask as many financial advisors you speak with if they’re continually training in the industry. Ask about the trends. Do the research yourself — and then see if they also know about the goods in the market.

You target yourself as a super-sharp client — possibly one with a great deal of money to manage. That means plenty of commissions for the ideal financial advisor, so you better believe that individual will pull teeth, sweat blood, and burn the lactic acid in the brain to make sure the right decisions are made for your personal finances.

 Making the Process Work for You

That’s how you deliver. That’s how you succeed. By getting the right people on board to handle all on your plate with efficiency. Whether it the expenses percentage for a real estate deal, or just a 401K you’re handling on your own — making sure you have the right candidate out of a pool of financial advisors fit for your situation is as easy as knowing that you’ve got someone who can adapt to all sorts of changes in the industry.

You know who you have then? A true chameleon. Everyone else is just bland and colorless.

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Don’t Always Trust Your Buddy on That Financial Referral

Posted by wpadmin | Posted in Financial Advisement | Posted on 29-04-2015

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This goes without saying for just about any industry out there: when you get a referral to some service or consultation, take it with even a slight grain of salt. Because however beneficial it was for your friend, spouse, uncle, aunt, mother, father, college roommate or coworker — it might not be the same for you. So you want to be sure to ask more questions of relevance to determine if you don’t want to waste your time and move on with the research on speaking with the right financial advisor for your needs.financial advisor questions

The “Financial Referral” Is Tricky

It’s not a scam or anything, though! It’s not like you’re getting the rug pulled out from under you, because for sure that acquaintance of yours is telling the truth, and that professional in the financial advisement industry just might be the best of the best. But you may need just a bit more information. Just to be sure. You need to brainstorm about it.

For instance: you can ask about anything regarding regular meetings — if the financial advisor in question really puts forth the effort in managing the finances continuously — or maybe what designation the adviser has, what certifications and qualifications does he/she possess. The answers you get just might steer you in the right direction for yourself regardless of what your financial referral boasts about the professional.

Just bear in mind: it’s a financial referral. A recommendation. It’s not a commandment you have to follow, no matter the cost, just because your financial referral stakes his or her life on it.

Always Get the Goods on Any Referral You Receive

This is why you must ask questions regarding financial advisement, for sure. You’re staking an investment on a professional who will most likely be responsible for managing your money, your stocks, your bonds, your tax planning and estate planning. Everything. That’s a big deal. Don’t take it lightly, please.

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18 Truly Awesome Inquiries to Ask Your Prospective Financial Advisor

Posted by wpadmin | Posted in Financial Advisement | Posted on 29-04-2015

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I’m sure you might have seen that rather familiar commercial about the DJ posing as a financial advisor, correct? Amusing. Cute. Eye opening.

Here’s the thing, though: it’s all too realistic. I wouldn’t deny that those people across from the fake financial advisor may have been completely duped and not “actors” in the grand commercial scheme of things, because in all honesty, how do we really know that a financial advisor knows what he or she is doing professionally?

How can we actually trust the prospective financial advisor for anything from tax planning to business formation? Knowing that you could be talking to an emo, tattooed disc jockey? Well, the answer is simple:

You Ask the Prospective Financial Advisor the Correct Questions

You’re interviewing the candidate, basically. I won’t sugar-coat it. That financial advisor has a lot to prove to you. It’s your money, after all. You’re the one hiring the so-called professional. So it would make sense that you grill that candidate to the bone until there’s no meat left. You want the very best on your plate, ensuring your finances are as strong as possible, so consider these basic questions very carefully:

  1. Did You Like Your Coach or Mentor? — Think about it. How the financial advisor developed largely depends on whether or not the financial advisor enjoyed the field hours with the trainer back as an apprentice.
  2. Do You Continually Seek Additional Training? — No financial advisor knows everything every day. New trends develop, so you’ll want a professional who’s constantly researching in the know.
  3. How Many Clients Have You Served? — This is key, because you certainly don’t want a financial advisor who’ll just sell you and run. A good financial advisor will work with you for the long haul.
  4. How Long Do You Work With Your Clients? — Length of time can say a lot about a financial advisor. Just ask a marriage counselor on how that’s relevant.
  5. tap dancer financial advisor(For Referrals) Why Is Your Financial Advisor so Good? — This is a special case where you must ask the question to your best friend, aunt, uncle, mom, dad, spouse or anyone who’s referred you. More importantly, this opens the door to a wealth of other questions you can ask your referral about a particular financial advisor in question.
  6. Any Clients Complain About Your Work? — Don’t be shy to ask this. You have every right to.
  7. Do You Use Your Products as Well? — Well, duh. After all, if the financial advisor is trying to sell you on a product, that advisor hopefully would be using the product, too.
  8. Do You Work With Other Colleagues, Too? — Why would this be relevant? Easy. As in what if the financial advisor gets hit by a car and dies? Pretty drastic, right?
  9. How Much Do You Charge? — The million dollar question of the ages. And a must-ask; here’s why.
  10. Are You Also a Fiduciary?What’s a ‘fiduciary’ anyway?
  11. Why Do You Do What You Do? — You have to love probing questions like this, because it can yet again reveal so much just from the answer alone. Essentially, you’re trying to figure out what kind of financial planner you’re dealing with here.
  12. How Long Have You Been in Business? — There’s a sly trick to this question, and it’s regarding the Great Recession around 2008. Tricky, right?
  13. How’s Your Portfolio?If it’s spotty, move on. If the financial advisor’s looking good, continue.
  14. Do You Have Certifications? — Think about it. Experience is one thing. Qualification is a whole ‘nother ballgame. Ask yourself which one you’d choose between the two: the one who’s experienced and qualified, or just experienced?
  15. Do You Understand What I’m Saying? — You’re a smart little cookie, aren’t you? This clever question just determines if the prospective financial advisor’s actually paying any attention to you, or just waiting for his/her turn to sell you more product. Go with the former.
  16. Do You Do Investments? — You’d be surprised to know that not all financial advisors are qualified to do so. So ask.
  17. Have You Lost Clients? — Sure, the financial planner just might lie to you. It still won’t hurt to ask (because you may have ways of finding out the truth).
  18. Would You Like to Meet My “Friend”? — Alias, lawyer. Attorney. Counsel. Legal representative. Yes, it’s okay to bring a “friend” along with you on your consultation with the financial advisor.

Wipe your brow of the sweat and take stock of what’s listed here. This is your ammunition. Load it all up.

Of Course, Why Would You Trust What I Have to Say About This?

I may be an expert in all this, proficient in the copywriting. But can you truly trust me? Maybe not. After all, I’m actually a tap dancer. Fooled you.

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Life just happens, good or bad, for many families out there in the United States. There’s no denying it. Single mothers, even single fathers: low-income families have a burden on their shoulders where basic bookkeeping becomes a stress of mammoth proportions due to the fact that there’s never enough income generated to pay necessary bills just to make it day by day.

So what has to be in place? Simply put, government aid. It’s almost a necessity for low-income families. But whether you think it’s a crutch or not, and whether many simply seem to take advantage of the benefits offered by the government, one thing is clear — even the families that do work hard seem to only make it by the skin of their teeth, having to pull from their next paychecks to pay back someone who lent money, or robbing “Peter” to pay numerous “Pauls,” because the fact is this — government aid can only do so much in comparison to personal finances (and, yet, there’s so much going into those funds that it may shock you).

Here Are Five Facts That Just Might Blow You Away With Respect to Government Aid and Low-Income Familieslow-income families

What Do These Facts Mean to You? That They Prove Benefits Don’t Benefit?

On the contrary…. They certainly make their mark. If it wasn’t for these programs, you’d have single parents on minimum wage or low-income families stuck in homeless shelters without any way to make the rent payment. That’s just a matter of fact….

But when you’ve got a certain fast-food chain making anywhere around $4.8BB in annual profits, it begs the question about employment — why not pay your workers what they earn with all the hours they put in, or want to put in, so they can get off of government aid and not have to pick and choose on their expenses?

Your average low-income worker will have just over $6K in annual income and about $11K in benefits for food, rent and child care. How’s that for a perspective on low-income families?

ITPN recognizes there’s a problem with the current system we have in place. So let’s fix it. Now.

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Life just happens, good or bad, for many families out there in the United States. There’s no denying it. Single mothers, even single fathers: low-income families have a burden on their shoulders where basic bookkeeping becomes a stress of mammoth proportions due to the fact that there’s never enough income generated to pay necessary bills just to make it day by day.

So what has to be in place? Simply put, government aid. It’s almost a necessity. But whether you think it’s a crutch or not, and whether many simply seem to take advantage of the benefits offered by the government, one thing is clear — even the families that do work hard seem to only make it by the skin of their teeth, having to pull from their next paychecks to pay back someone who lent money, or robbing “Peter” to pay numerous “Pauls,” because the fact is this — government aid can only do so much in comparison to personal finances (and, yet, there’s so much going into those funds that it may shock you).

Here Are Five Facts That Just Might Blow You Away With Respect to Government Aid and Low-Income Familieslow-income families

What Do These Facts Mean to You? That They Prove Benefits Don’t Benefit?

On the contrary…. They certainly make their mark. If it wasn’t for these programs, you’d have single parents on minimum wage or low-income families stuck in homeless shelters without any way to make the rent payment. That’s just a matter of fact….

But when you’ve got a certain fast-food chain making anywhere around $4.8BB in annual profits, it begs the question about employment — why not pay your workers what they earn with all the hours they put in, or want to put in, so they can get off of government aid and not have to pick and choose on their expenses?

Your average low-income worker will have just over $6K in annual income and about $11K in benefits for food, rent and child care. How’s that for a perspective?

ITPN recognizes there’s a problem with the current system we have in place. So let’s fix it. Now.

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Life just happens, good or bad, for many families out there in the United States. There’s no denying it. Single mothers, even single fathers: low-income families have a burden on their shoulders where basic bookkeeping becomes a stress of mammoth proportions due to the fact that there’s never enough income generated to pay necessary bills just to make it day by day.

So what has to be in place? Simply put, government aid. It’s almost a necessity. But whether you think it’s a crutch or not, and whether many simply seem to take advantage of the benefits offered by the government, one thing is clear — even the families that do work hard seem to only make it by the skin of their teeth, having to pull from their next paychecks to pay back someone who lent money, or robbing “Peter” to pay numerous “Pauls,” because the fact is this — government aid can only do so much in comparison to personal finances (and, yet, there’s so much going into those funds that it may shock you).

Here Are Five Facts That Just Might Blow You Away With Respect to Government Aid and Low-Income Familieslow-income families

What Do These Facts Mean to You? That They Prove Benefits Don’t Benefit?

On the contrary…. They certainly make their mark. If it wasn’t for these programs, you’d have single parents on minimum wage or low-income families stuck in homeless shelters without any way to make the rent payment. That’s just a matter of fact….

But when you’ve got a certain fast-food chain making anywhere around $4.8BB in annual profits, it begs the question about employment — why not pay your workers what they earn with all the hours they put in, or want to put in, so they can get off of government aid and not have to pick and choose on their expenses?

Your average low-income worker will have just over $6K in annual income and about $11K in benefits for food, rent and child care. How’s that for a perspective on low-income families?

ITPN recognizes there’s a problem with the current system we have in place. So let’s fix it. Now.

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Life just happens, good or bad, for many families out there in the United States. There’s no denying it. Single mothers, even single fathers: low-income families have a burden on their shoulders where basic bookkeeping becomes a stress of mammoth proportions due to the fact that there’s never enough income generated to pay necessary bills just to make it day by day.

So what has to be in place? Simply put, government aid. It’s almost a necessity for low-income families. But whether you think it’s a crutch or not, and whether many simply seem to take advantage of the benefits offered by the government, one thing is clear — even the families that do work hard seem to only make it by the skin of their teeth, having to pull from their next paychecks to pay back someone who lent money, or robbing “Peter” to pay numerous “Pauls,” because the fact is this — government aid can only do so much in comparison to personal finances (and, yet, there’s so much going into those funds that it may shock you).

Here Are Five Facts That Just Might Blow You Away With Respect to Government Aid and Low-Income Familieslow-income families

What Do These Facts Mean to You? That They Prove Benefits Don’t Benefit?

On the contrary…. They certainly make their mark. If it wasn’t for these programs, you’d have single parents on minimum wage or low-income families stuck in homeless shelters without any way to make the rent payment. That’s just a matter of fact….

But when you’ve got a certain fast-food chain making anywhere around $4.8BB in annual profits, it begs the question about employment — why not pay your workers what they earn with all the hours they put in, or want to put in, so they can get off of government aid and not have to pick and choose on their expenses?

Your average low-income worker will have just over $6K in annual income and about $11K in benefits for food, rent and child care. How’s that for a perspective on low-income families?

ITPN recognizes there’s a problem with the current system we have in place. So let’s fix it. Now.

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You’re probably wondering how you could possibly make money just from receiving our benefits. Easy. As a member of ITPN, we’ll put it in perspective for you: if you refer just one friend or family member to us each month, this is what you get, right in your pocket: $40 for each referral.income tax family

That’s $480 each year. In your pocket. Get the picture? Makes the Income Tax Planning Network’s $25/month membership seem like pennies when you think about it. And that’s just when you refer only one person a month to us. Want to do the math if you refer five people to us? Or ten people?

How can you not take advantage of this unique benefit?

Thank You for Helping Us Grow Our Family. Your Family.

Thank you for being a part of this family. Please do call our office at 888-203-3030 to set up your free marketing training, starting you off on generating revenue with us right away.

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