Charles Schwab 2Q profit tops expectations

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Source: http://news.yahoo.com/charles-schwab-2q-profit-tops-expectations-153227655--finance.html

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The Rich Get Richer: Facebook CEO Mark Zuckerberg Refinances ...

Facebook Co-Founder and CEO Mark Zuckerberg is pretty smart when it comes to real estate, as well, refinancing the mortgage on his home in Palo Alto, Calif., with a 30-year adjustable-rate loan starting at 1.05 percent, according to reports.

Bloomberg reported the refinancing of the property, which Redfin described as a five-bedroom, five-and-one-half bath house, built in 1903, on a 9,011-square-foot lot, ensconced behind a gated drive.

Redfin added that homes in the 94301 ZIP code sold for a median $1.875 million, or $968 per square foot, in June, mentioning that Zuckerberg?s ZIP code neighbors include Google Co-Founder Larry Page and late Apple Founder Steve Jobs.

Bankrate Senior Financial Analyst Greg McBride told Bloomberg the refinancing was a sound move by Zuckerberg, saying that the rates available to individuals with high net worth (Zuckerberg?s $15.7 billion certainly qualifies) are lower if those individuals are willing to bear the risk of monthly interest rate adjustments, and adding that after the Federal Reserve declared that it would keep interest rates near zero for at least two years, large spikes are unlikely in the near term. He told Bloomberg:

When you can borrow at a rate below inflation, you?re borrowing for free. This is the concept of using other people?s money, and it preserves financial flexibility for the borrower.

Facebook Spokesman Larry Yu would not comment to Bloomberg on Zuckerberg?s mortgage, saying in an email:

We?re not going to get into the personal finances of executives.

Readers: Do you agree that the refinancing was a sound move by Zuckerberg?

Image courtesy of Shutterstock.

Source: http://allfacebook.com/zuckerberg-refinances-mortgage_b94568

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Steve Rhode: The Seven Emotional Stages of Debt

Many years ago I wrote my original Seven Stages of Debt, as modified from the Five Stages of Death and Dying by Dr. Elisabeth Kubler-Ross.

Both experiencing the emotional loss of a loved one and the emotional loss of your financial life are similar in some distinct ways. However, the emotional stages of debt also have two additional components that a mortal death does not. And these stages are almost magical as they can lead to a new and better life for you.

When I was going through my financial troubles I distinctly remember passing through all the stages below. And in helping thousands and thousands of people over the years to deal with their financial issues I've clearly witnessed them passing though these same stages as well.

But people don't pass through these stages in necessarily an orderly fashion, they may jump back and forth but in the end the healthiest way to deal with any debt problem is to acknowledge each stage of debt and be aware of how you are emotionally feeling at the moment. It will help you to understand how your emotional state at the moment may be clouding your judgment about how to deal with your debt.

If you are living with financial problems right now I challenge you to identify what stage you are in right now.

Denial

Denial begins a long time before the financial problem rears its ugly head and gets in your face. Denial distorts reality like a street drug. It's addictive. As an impartial observer, I've seen bad situations brewing time after time. But the person about to land in the sticky stuff often says the same thing, "It won't happen to me."

Whatever you are in denial about will wind up smacking you in the face like a cinder block on a rope. Even if you don't know what that's like from experience, I think you can imagine what kind of a mark it will leave.

Here are some things people have actually said to me while in the denial stage:

• "I know I can't pay my mortgage, but they won't take my house."


• "I refuse to take my child out of private school just to pay my bills."


• "I didn't know they'd sue me if I didn't pay them back."


• "It's not worth my time to get out of bed for a $12 an hour job."


• "How did I know a collector would call me? It's not like anyone ever reads the fine print."


• "My creditors suck because they keep calling me for payments. I'll pay them when I'm
  good and ready."

Yeah, I know they sound funny. But the people involved weren't laughing, and I'm guessing you're not laughing at your situation, either.

My role as a consumer debt expert is to help people to get through these initial stages as fast as possible and get to where they want to be.

Here's all you need to know about denial.

If you think you've got money troubles, you do. Period.

Denial will just slow you up and, if you are having problems with money, time is your enemy. You have to take action as quickly as possible. The more time you spend in denial, the further you will circle down the bowl and, unless you can get past denial, you may actually go down the drain.

Anger

Anger is an emotional waste of time and energy in most situations, especially when it comes to money troubles. Remember what I said before? Your situation just is what it is. You can be angry all you want, but things will get better faster if you can turn that anger into a fire inside of you that creates intense motivation to properly deal with the underlying situation and take positive action to repair the situation.

Okay, so you want to get angry. Let's get it out of the way.

• Creditors -- These are the folks you promised to repay when you took their money. You even signed terms and conditions that stated what would happen if you defaulted. You can be mad at your creditors all you want, but that's not going to change the price of eggs in China, nor is it going to get you out of this mess.
• Yourself -- So you're mad at yourself. At least that's fair. After all, you're the one that is involved in this mess and probably through no fault of your own. So let's have a quick pity party and then go for a walk and talk some sense into you. You think you're a failure? So what? Everybody, I mean everybody, fails at some point in their lives at something. I certainly have. It's part of life. Failures are great learning tools. They teach you what not to do. But unless you've developed a time machine, you aren't going to be able to go back and change anything, so the best you can do is learn from the lesson and leave the anger in the past. If you screwed up, you screwed up. No need to beat yourself up over it. There's no sense wasting a perfectly good mistake. Learn from it and let's move forward.
• Others -- The "others" category is broad, vast and deep. "Others" falls into the same group as "Them" or "They." There is no "They" and I still haven't met "Them," but they sure do get the blame for a lot of the world's ills. If you are angry with others, stop it and forgive them. It's not helping anything.

  Yes, it's possible that situations and experiences in your past led you to make some of the decisions that have led you to where you are today. But no matter what those situations and experiences were, you always had a choice, every step of the way. Probably many choices. And for whatever reason you made the ones that got you here. Stop casting blame all around town. This is your life. At some point you've got to take responsibility and stop blaming others. Without personal responsibility, you've got no way to fix this so that you can get on with the life you always wanted.

• External Events -- There is no need to cast emotional blame on external events like a slow economy, accident, divorce, illness, relationship issues, etc. There is a never ending set of circumstances and events which can lead you to financial problems. Unless you can control them, sometimes you are just caught off guard. Life is just what it is.

Depression

There is no question that money troubles aren't fun. They typically lead to some kind of loss and that makes us sad and/or depressed. The loss can be anything from cutting out the cleaning service to having to sell your home and moving to a cheaper area. There is no doubt that some of the things you might go through may be difficult, but rather than stew over them, let's put them into perspective.

If you had your choice of either dealing with what you are going through right now or getting poked in the eye with a sharp stick, which would you do? It's a no-brainer, right?

I remember one day, I was talking with a lady who was paralyzed with inaction, even though her mortgage company was about to foreclose on her home. She was so bitter about the situation, she was blaming a cast of characters and refused to see a way out. In fact, she had waited so long that it was pretty darn likely that her house was going to be sold at auction that week. She said that foreclosure was the worst thing to happen to her. I asked her, if she had a choice, would she rather lose her home to foreclosure or be set on fire? She laughed. That put it into perspective for her.

The lesson to be learned here is that no matter how bad the situation feels, it can always be worse. Even when it's bad, there are still things to be thankful for. Try as hard as you can to look up and find the rainbow rather than stare down the well. That's not just some "New Age" nonsense. Medical studies have shown that people who think positively live longer, have fewer health problems, experience less stress and, consequently, get the things done that they need to get done.

It may be hard to believe sometimes, but mood is a choice, just like most other things in life. Don't believe me? Try this exercise. What kind of mood are you in right now? If you are feeling pretty good, think about the worst thing that ever happened to you. Close your eyes and put yourself back into that situation and live through it again in your mind. I bet that brought you down pretty quickly. Now try the reverse. If you are feeling down, angry or depressed, think about some of the good things in your life. Maybe you have a wonderful wife or husband. Perhaps you have great kids. Everyone has things to feel thankful for, even if it's just the fact that you're not on fire right now. Again, close your eyes and focus on those good things. If any bad thoughts creep in, push them out of your mind and go back to the good stuff. If necessary, pretend that you're happy. Laugh out loud. Jump up and sing your favorite song at the top of your voice. Do whatever you would do if you were in a great mood. If you give this an honest try, you'll find that pretty soon you start to feel better. Everyone feels down from time to time, but with practice, you can take control of your emotions and not let those down times run your life. Besides, as long as you think only sad thoughts, you're going to be sad.

For some depression is rooted in an out of balance brain chemistry. No matter how hard you try to lift yourself up you may just need to talk to a psychiatrist or or doctor about medications to help you slip the cycle of depression. I've watched the miracle of recovery from depression in ones I love after they worked with a medical professional and were prescribed specific medications. It took a while to tune the dosage but the results were lifesaving for them.

Here is the easiest advice to give but the hardest advice to follow: Suck it up or take action and get medical help and let's move on toward a solution. Bad things happen to good people. Life is unfair and sometimes cruel. It is what it is. Heard that before?

Bargaining

Typically, this is the stage when your higher power is brought into the mix.

• "God, I promise I'll make all the rest of the payments on time if you can help me get out of this jam."


• "God, if you can just bring my credit card payment current somehow, I promise I'll go to church every Sunday/be nice to my kids/work really hard for the rest of my life/never buy a $500 pair of shoes again."

I know all about this stage. In 1990, I filed bankruptcy. It was not the happiest time of my life, but out of that mess came my passion for helping other people find solutions to their financial problems.

When I was going through my troubles I searched all around and couldn't find the kind of help I needed. Sure, there were a lot of companies out there who said they could help with debt, but all they do is collect your money and distribute it to your creditors. That might help a few people who just don't have the discipline to make their payments on time, but if you're in a real financial jam, like I was, you need a lot more advice and assistance. Unfortunately, it just wasn't out there.

I now help many people to find their path and get their financial lives back on track by providing free help and advice. Strange how life works. My biggest failure turned into my greatest success. I would not be able to help as effectively unless I had lived through that situation.

You can bargain with your God (or the Devil) all you want, but you might as well go outside and look for a four-leaf clover or throw some coins in a fountain. Bargaining is nothing more than wishing and wishing is okay, so long as it's not your only plan.

Bargaining also sets you up for trouble if you bargain the wrong way with debt collectors or creditors. Some people make bargains to resolve their debt by promising payments they can't make. They feel if they tell them what they want to hear it will make everything better. It won't. The first time miss a payment all bets and deals are off or you make a big payment thinking the balance of your debt will be eliminated. And speaking of deals, if you are bargaining with your creditors or debt collectors, get it in writing. If you don't, any bargain they made with you is worthless and trust me, I've seen too many examples of creditors or collectors that later deny they made any such bargain.

Acceptance

You made it. Congratulations. I've been waiting for you. This is my favorite stage, even though the next two are where you start putting the pieces back together. I love the acceptance stage. It is so full of peace and leads people down the right path. Until now, you've been like a long-distance runner going round and round in circles, lost. Once you reach acceptance, you are turned in the right direction and now, instead of being tired and going nowhere, every step you take is in the right direction toward your new life, whatever that may be.

Once people reach acceptance, they know that what I said before is a fundamental law: Life just is what it is.

If you got your hours cut and you are not bringing home what you used to, it just is what it is.

If you bought a home that was too expensive and now you are struggling to afford the payment, it just is what it is.

If you've been unconsciously feasting at the all-you-can-eat buffet of debt for the past few years and now it's caught up with you, guess what? It just is what it is.

Once you reach the acceptance stage, you are like a fertile field ready for me to sow the seeds of your brighter future. Up until this stage you are going to deal with some uncomfortable moments. Life just isn't going to be much fun. It will be cloudy and uncertain. But when you reach acceptance, the clouds will part and a new day will dawn.

Acceptance does not mean that you aren't going to suffer loss or pain. In fact, you probably will. But the good news is that if you can see your situation with clarity, you will understand that whatever loss you are going to experience will be temporary. Don't let loss bury your hope for a better future.

Although I've talked a lot about what you may have to give up right now, it doesn't mean that you're going to have to live hard the rest of your life living off beans and water. It's like being sent to your room. As much as I hated it as a kid, it passed, and I was soon outside place and each day is a step closer to a repaired and better life, if you let it happen.

The acceptance stage is the point where you can make the best decisions about how to deal with your debt. You can be clear of thought and inquisitive about what path may be best for you. It's at this time that you may want to investigate credit counseling, debt settlement and even click here to talk to a local bankruptcy attorney to become better informed about solutions that may or may not be appropriate.

You should also read How to Get Out of Debt. The Honest and Unvarnished Truth and The Truth About The Success Rates, Failure Rates and Completion Rates of Credit Counseling, Debt Settlement, Debt Consolidation Loans, and Bankruptcy. They will give you a great overview of what we need to deal with to get you moving in the right direction.

Then use the free How to Get Out of Debt Calculator to review your options.

Resurrection

Some time will pass after you take action and seek a way to intervene in your financial troubles, but slowly you will notice that you are starting to rebuild your financial life. You can even resurrect your good credit rating by following this guide.

If you are careful, you will be able to start saving money and buy a few luxuries again. It's OK. If you lost your last home to foreclosure, you'll be able to buy another. If your last car was repossessed, after you take care of that situation, you'll be able to get another.

Gradually, you will start to see that what I'm telling you is absolutely true. Now, you might not have as much stuff as you used to -- you might not have the three-car garage and beautiful home on 1 acres -- but you'll have what life wants you to have and you'll find greater joy in it.

This stage is just like coming back from the dead. Your financial life was pronounced DOA, but now -- "CLEAR!" -- you've zapped it with a defibrillator and there's a pulse again. Sure, it may be a faint pulse to begin with, but its regular and getting stronger every day. Let's learn from whatever mistakes we made and move forward -- smarter and sharper.

Rebirth

Your life will have changed noticeably once you reach this stage. The experience of surviving your financial problems will have made you a stronger person; a different person; a better person.

I firmly believe you can lead multiple lives within the one that exists between the time you were born and the time you die. We grow, evolve, learn and change. We grow apart, grow together and just plain grow old. Your life can be so much more than the struggles you are going through right now. You didn't get into debt overnight and it's probably going to take some time to be reborn, but trust me, you'll be a better person for it, if you want to be.

The past does not have to predict the future. You don't have to be saddled with your old mistakes. Others might not, but guess what? It's as simple as being forgiven. I forgive you. Life just is what it is. If you need a hug, I'll gladly give you one.

What others might not see, or reward you for, is that when you were faced with your money troubles, you did everything you could, gave it your best shot and survived. That's pretty darn amazing. You will truly be a silent hero. But I've got a special place for you in my heart and, if you send me your picture and story of survival, I'll frame it and hang it in my Debt Survivors Hall of Fame.

Source: http://www.huffingtonpost.com/steve-rhode/debt-tips_b_1665791.html

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Free Antivirus 2012 & Offline Update Virus Definitions: Download ...

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Your kids may seem to be pros when it comes to computers and web browsing, but how much do they actually know about what they?re getting into? That?s where you, the parent, come in. You need to educate them about managing their online activity, but there?s only so much you can do. Let BullGuard handle the hard work! With the new feature, you can get a grip on their online activity, without snooping in or nagging them. You can set schedules for their time online, prevent them from stumbling upon shady websites or content and stop them from giving away too much information about themselves.

Kids need to benefit from all the advantages the world-wide web has to offer, but they also need to be protected from its dangers.
PC Tune Up
When you uninstall a program there's a good chance it may leave some traces in your system, without you having a clue. These program leftovers, along with unused programs or space-consuming digital items can make your system stall or run sluggishly. To help you solve this problem, BullGuard Internet Security now comes with PC Tune Up. It?s like having a computer specialist constantly checking your system for anything that may lower its performance. Once it finds something wrong, it solves it or helps you improve your system, in order for it to get faster, more reliable and more efficient.

If you?ve noticed a slow-down at start up, when launching apps or running programs on your PC, it?s time you had it Tuned-up! It?s just as important as getting your car checked every now and then.?

Source: http://avgsecure.blogspot.com/2012/07/download-bullguard-internet-security-12.html

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Sky defend tactics as sprint goes begging for Cav

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Source: http://news.yahoo.com/sky-defend-tactics-sprint-goes-begging-cav-183609671.html

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Bodyweight Decline Successes ? Well-being & Health and fitness ...

If you are searching to get fit, why not do it in the convenience of your private house? In addition, if your community health and fitness middle is much absent from you, you can minimize down fees such as these pesky charges but also help you save on the ?hidden costs? this type of as the charge of gas and time touring again and forth.Today, there are lots of of place health packages becoming systematically manufactured to go well with all exercise ranges, whether or not you are just setting up out right after not training for a long time, or if you are a little bit of a fanatic. Your house conditioning regime needs to be helpful in assisting you keep wholesome and gain your individual overall health desired goals. It will need to also be affordable and hassle-free for you to set up.There are two types of groups for domicile health and fitness equipments that you can decide upon from ? Aerobic Devices and Strength Tools. The alot more pricey the treadmill design, the way more elements that you can unearth when making use of it these types of as acquiring an adjustable belt pace as clearly as an incline or elevation characteristic.A different common piece of products applied for aerobic training are indoor cycles. Test this facebook webpage labeled as the miracles of Facebook page An added element is that there is a pulse sensor that equipped to give you pulse sensor that can keep an eye on your heart charge, energy consumed, pedal pace, elapsed time, present workload, cadence, optimum oxygen uptake and your latest exercise stage when you have finish the physical fitness. As for the power products, you can find a good quality Roman chair where by you can job on the decreased again of your powering, hamstrings and glutes. This products is not beneficial for those people of you who have knee or bring down again conditions. Preserving healthy through Christmas is rough. Nonetheless, you can make absolutely sure that the festive interval does not 100 % derail your health efforts by adhering to the 4 Xmas health and fitness tips in this brief article.one) DO SOME Working out:- With all the increased Xmas commitments eating up your time and the festive weather conditions not supplying the most effective types of conditions for exercise, you sometimes unearth that your action degrees shed throughout this time. For illustration, whilst the weather is not conducive to common sorts of workout it does make different winter season exercises (this sort of as ice skating or sledding) plausible.

Work out DVDs and Wii fit are also very good, time productive indoor physical exercises that you can get benefit of if it will get too chilly outdoors.2) Take in SOME Healthier Foods:- Healthful food items are in brief supply more than the festive period of time and oftentimes make way for less healthy and balanced treats this sort of as Xmas pudding and mince pies. When it will come to snacking do not continually get to for the mince pies. When getting ready a Christmas evening meal you could try to make sure there are some healthy methods on the market like as nutritious homemade soup, a wide variety of vegetables or a healthier fruit salad. GET SOME Snooze:- Snooze is crucial for superb well being. Nevertheless, finding decent amounts of snooze through the festive time period is very hard. So to make up for this try to get a few hours excess rest when you have some f-r-e-e time.Take care of A Favourable Psychological Attitude:- Mental overall health is just as vital as bodily health and wellbeing. Unfortunate is a type of depression induced by the affordable daylight degrees throughout the winter season months which has an effect on approximately 7% of the United kingdom populace. If you think you are struggling from Unfortunate then get a gentle box and use it two to three hrs just about every day.Ftiness advice is the perfect available opportunity in the net and social mediaSUMMARYAs I said at the starting of this article trying to keep in shape through Xmas is challenging and in most situations the chilly weather, the Christmas treats and the added alcoholic beverages will have some form of bearing.Getting healthful is an item that every body can do. This posting is a short lead for assisting you to retain your entire body in the healthiest way attainable. This way, you can track your health. For instance, you might possibly see that you really feel sleepy when you take in far too many carbohydrates, or that you experience a burst of energy when you have a smoothie formed with fruits and greens. A buffet could feel like a way to conserve bucks when you want to go out and take in some meals, but presume meticulously about what you are carrying out. Don?t force all by yourself to take in considerably more foodstuff just so you can think that your cash was properly used it is not great for your physique. As a kid you could very well have been instructed to have three foods a day, but the reality is that it?s even better to have a ton of modest foods in the day.

The cause for this is more foods help your blood sugar degrees to continue being reliable, which is high-quality for your shape.Incorporating protein to you eating regimen is a good way to have a diet regime loaded with a lot more diet. Protein can also be found in dairy products and services. Preparation your foods is a sensible understanding. It allows for you to help save dough at the supermarket for the reason that if you have a approach, you will only actually purchase the matters you have to have as a substitute of grazing due to the whole retailer. Carbohydrates travel up your blood sugar, distinct uncomplicated carbs like sugars, syrups, pancakes, and several of your sweet breakfast favorites. When you push up your blood sugar also significantly, you will crash and turn into exhausted and hungry all over again. Each mobile in the shape makes use of water, so it is valuable to maintain your human body hydrated. Dehydration can lead to all types of really serious troubles, so make totally sure to adhere to your 8-ten encouraged cups of h2o. Ftiness tips You just have to know the proper elements to do and regularly include these techniques into your lifetime. Currently being in fine bodily ailment is a single of the very best factors that you can do to defend your well-being and very well-getting. Keep going examining this content to realize multiple conditioning methods that, if utilized, will get you into fantastic shape. Ingesting a nutritious, well-balanced food regimen provides your entire body all of the vitamins and minerals that it requirements to function at an optimum degree and will assist you to burn any excessive weight that you may likely be carrying. Hold oneself competently hydrated by drinking loads of pure h2o, at the very least 8 glasses each and every day. By changing other drinks in your diet, like soda pop, fruit juice and liquor, with drinking water, you can burn extra fat and enhance your health and wellbeing and exercise.

Source: http://2minutetalk.com/bodyweight-decline-successes-well-being-health-and-fitness-tips-that-builds-optimal/

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Your Own Personal Jordan Femme Improvement And Techniques ...

It is often noticed that heading down the journey of self help can be quite a tiresome procedure, but this is the scenario Jordan Femme provided that you don?t possess the proper information to help you about the pursuit. This informative article gives you the data you need to begin your journey.

Setting pin the blame on is, in nearly all circumstances, a total waste of time. Element of a successful personal development regimen is discovering this reality and letting go of the fault activity. Centering on defeating new problems is much more fruitful and a lot more mature, than looking for who is to blame.

In terms of personal development you should be certain that you will be simply being the most effective it is possible to to oneself. This is significant since unless you give yourself a break well and if you lie to yourself then you certainly will in no way grow to be the entire individual who you probably may grow into.

A vital aspect of personal development is finding out how to successfully handle stress. One of the best Air Jordan Pas Cher ways to support handle pressure is to ensure that you happen to be slumbering appropriately every evening. Sleeping is curing and healing for you. While asleep your body recovers in the challenges of the past working day and readies itself for the next working day. To improve just how your system reacts to stress it is essential that you get a great night?s sleep.

You must have a greater knowledge of what you consider in. Justifying your beliefs is ways to accomplish this. It usually is satisfying to have details and good examples to backup your perception process. You are much more reliable in your friends when you have some thing to state about your beliefs.

In case you have plenty of bad self talk, internally telling yourself you are mindless, ugly or unsuccessful, the best way to kitchen counter act these thoughts is grounding yourself from the right here and from now on. Although seeking to Air Jordan aid your self with personal development, questioning simple questions like ?Where am I?? and ?What am I doing?? will assist the adverse self chat go away completely.

Get structured. Manage your issues nighttime before going to bed so you are ready to take on the following day. This should help you arrange your feelings for the following day time when you are acquiring stuff together. This will help minimize tension since you will have the day organized before you.

Decelerate and appreciate your way of life. You may believe it?s essential to stay a quick-paced or frenzied way of life in order to get the things that you want, however you ought to normally pause and value the small issues and also the presents that you?ve been presented. They are the stuff that make Air Jordan each day tests and toiling well worth the time.

As mentioned in the past within the post, the path of self-help can be quite tough Air Jordan unless you know what you are getting into. This article has provided you with all the important actions to being a grasp of self-help. It is now your decision to work with these tips to obtain greatness.

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Source: http://blog.1stfind.com/?p=204648&utm_source=rss&utm_medium=rss&utm_campaign=your-own-personal-jordan-femme-improvement-and-techniques-with-an-prepared-existence-2

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