charge it featured image
Children Questions

Questions from Children: What does ‘charge it’ mean?

The Backstory

When I was 9 my parents added on to our house in preparation for my sister’s impending birth. My brother was headed off to school where he would board and would come home some weekends. I was elated as I got my parents old room and bathroom. I was ready to get rid of the white French Provincial furniture as I thought it was too babyish. After all, I was going to be a big sister and I was no longer the baby!

I rode my bike a few days later to the Village and stopped in at the Furniture store. Clearly furniture was out of my range as my allowance was only 50 cents. I then spied an antiquing kit and that would be my solution. I liked the green color best, but the kit was two dollars. I only had $1.25 saved for my decorating budget, so I asked the store owner (who was a friend and client of my Dad) if he could put it on Layaway. They had never had a Layaway plan, but he said he would try it out with me. I thanked him and told him I was happy to be his first Layaway customer. I added that it might help people buy more furniture. He said, “well let’s try it Charlotte.”

Later I would find out that he called my Dad and was laughing hysterically and told him that I had offered my wisdom that people might buy more furniture if they could take a little longer to pay for it. My father enjoyed my independent nature and my mother was driven crazy by it. Now was no time to bug momma as she was 42 and very pregnant with my sister Mary surprise.

Since Frank was going off to school, he would not be around to help feed the dogs. I wanted to start immediately! I was able to wrangle another 25 cents out of them for feeding the dogs and cats and being sure the animals always had fresh water. The deal was struck! Two weeks later I rode my bike up to the Furniture store and paid for my kit! I even had enough money left over for some Waxed Lips at the dime store!

The next Saturday, my parents were going out and Frank was left to babysit, which meant he would be entitled to channel selection on the TV. That very night I antiqued the furniture and really loved the process of making faux worm holes and putting the antique coat on (little raw umber thinned with water). I cleaned up my news papers and put them in the garbage can. My parents came in and as always they checked on me, but I was asleep, so no lights were turned on.

The next day was church day so it was always a rush to get out in time. I hurried up and rode with the family to church. Later that day, my mom came in my room for some reason and suddenly SAW the change. She said it looked very pretty and asked me if Frank helped me (although she knew that was unlikely). She then called Daddy to come look at it. My father muttered that I was faster than the contractors who were still working on the nursery part of the renovation.

How to Answer Money Questions From Kids

A child is never too young learn about financial terms and you never know why they want to know. Children can feel empowered when they learn money lessons early. When your child is asking questions and I was always asking questions you may be giving them important information. If people would just answer the question and not “over explain” it is easier on everyone. I figured out at a very young age that having your own money just made it easier to do what you wanted. Later that same year I opened my first bank account. I still have the handwritten letter from the Branch Manager thanking me for my business in my childhood photo album.

Kids are great questioners. They’re inquisitive, curious, and oftentimes, they’ll come up with something you didn’t even know you had to think about. And while it might seem like you’ve got enough on your plate without having to worry about answering questions about money, Lieber says it’s important to teach children about finances early on.

Charge – Money Definition

When I was a child, I heard my mother say “charge it please” at the drugstore. I thought the owner was really nice to “give” us the items we had in our bag. My mother quickly clarified that “charge it “meant that you would get a bill at the end of the month for your purchases. Way before my time “charge it” was often used at the local “general store” and in some communities at the “company store.” The store will extend credit to the purchaser of items in their store for a few weeks. I was quite young so the conversation did not progress to things like interest or “lay a way.”

I believe I had inquired what Layaway was when we were in a Department store and at the customer service desk where they giftwrapped stuff, there was a sign that said Layaway. This was after all 1959! I told my mom I was saving up for something and I wanted to increase my responsibilities, so I could increase my allowance. She naturally would have to talk to Daddy about it. 

When we talk about charging someone money, it usually refers to the act of charging someone money. However, there are times when we use this word to refer to the amount of money charged. For example, “I’m paying him $10 per hour.” In this case, he is being paid $10 per hour.

We often use this word to describe how much people pay for things. For example, “He charges $5 for haircuts.” Here, he is being paid 5 dollars for each haircut. We sometimes use this word to describe what someone does for free. For example, “She gives away her hair styling services for free.” Here, she is giving away her services for free.

The most common usage of this word is to describe the price of tickets for events. For example, “Tickets cost $75 for general admission.” Or, “You’ll pay $25 for parking.”

In some cases, we use this word to describe the total amount of money charged for something. For example, “The restaurant charges $15 for lunch.” This is different from saying that a person is being charged $15 for lunch.

Key Takeaways

Parents can help teach their children about money by explaining what it really is — a limited resource — and why we sometimes don’t have enough of it. This helps young children understand the basics of supply and demand. When teenagers start asking questions about stock prices, parents can explain how markets work and how investors use those prices to decide whether to buy or sell shares. 

Read More
Bear Market - what does it mean?
Local economy

Bear Market – what does it mean?

If you watch the stock market news, you have probably heard that we are in a BEAR market. 

 

What is a BEAR market? 

 

It is a decline in the markets of 20% or more in a two-month period. Generally, the Bear indicates a downward trend and may be triggered by a correction of 10-20% in a brief period. Stock markets go up and down and a Bear market is generally followed by a Bull (upward trend) market. Of the 26 Bear markets since 1928, 27 Bull markets have followed. Investors ride it out as they wait for signs that the Bear is in retreat and the Bull is coming out of the gate. Bear markets have investors worried that they will also include an economic recession. 

 

The last Bear market began in February of 2020 and ended in March of 2020 lasting 33 days with a market downside of 35.62%.

 

The average length of a bear market since 1928 has been 289 days. Bull markets have averaged 991 days a fact that is easily forgotten when the market is plunging. It is important to look at the % of the moves down. The time frame leading up to WWII gave us the longest Bear market.

 

So, when will it be over? How do we know when to buy stocks again? When and what to buy are highly personal decisions that depend on your overall financial situation.

 

I look for several key indicators as my crystal ball is not always reliable:

 

  • I like to look for large levels of fear and worry. Many like to watch the VIX (also known as the fear index). I do not think we have had this peak yet as the fear shows in what investors are doing with their money. The technical term for this is capitulation. Watch the VIX and when it gets to 40 with a nice long list of 52-week lows in stock prices, the bottom is close.  I don’t generally do much if anything with options, but people are usually buying puts when they think stocks are going down.

 

  • Seeing a big move in stocks headed to the basement may mean a bounce is on the way. The lows may be in here which may give us a tradeable bounce. The lows on your favorite stock, the one Grandma said to never sell may signal a buying opportunity. 
    • Like a 2 for one sale! Sometimes a little upside is just a rally in a longer bear market. A friend of mine who has many years in the business, and I had offices a couple of doors down in the 1980s. This fellow used to say, “Buy’em when you are puking on your shoes.” 
    • The best action may not seem inviting, but that does not mean it is the wrong action! Now individual investors mostly want relief from ugly numbers. It is tempting to sell into strength, but unless you need the money “stand pat” as my momma would say!

 

  • A selling climax is usually heralded with a high volume and a big move down. I have not seen that just yet. Therefore, RIA’s get paid to watch the ugliness because many things can happen in a day.

 

  • It is good to see margin debt (borrowing against your stock portfolio) decline dramatically.

 

  • It is critical to know your tolerance for risk, which is sometimes higher than is wise.

 

The story of Muriel Siebert

 

Muriel Siebert started her firm at 70, which was way ahead of her time. If you are really worried about the stock market, which you cannot control, here’s a famous Muriel recommendation. 

 

Take the big envelope with the statements of your accounts and fix yourself a favorite beverage. Look at the big envelope and sip on your beverage. Then with all the resolve you can muster, get up and make another beverage. Back to your comfy chair and the big envelope and look through the rest of your mail, you don’t have to open it! 

 

At last, the path is clear. Enjoy your beverage and throw the envelope in the trash! Muriel was smart and successful. Be like Muriel! Know thyself!

 

Read More
How to // Self Help

I Am Worthy and so are You

I am more than you think I am

I may look like just another 71 year-old chubbette to some of you as body parts drop and gray invades my hair. 

I assure you that inside I am a jock, a ballet dancer, a comedian, a mistress of the universe, your dream friend, and your worst nightmare. 

I am woman. 

Hear me roar, whine and whimper.

I am loyal as a junkyard dog and can hold your secrets in the vault of my mind.

I am a yogi, an adventurer, and a spy as I sit in the coffee shop watching the goings on of younger generations. 

I have worn short dresses, high heels, flung my hair about and done the dance of flirtation. 

I am not anybody’s mother or grandmother, yet I am an aunt, a great aunt, and a fairy godmother to a number of people. 

You are worthy

What you cannot see from the outside is what is on the inside of this woman. I am a wounded child, a bitch, an impudent teenager, a lover, a fighter, a friend, and a soul mate. 

What you can’t see from the outside is that I am blessed, and I know it. 

I have cheated death more than once, I have adapted, and I have great friends and a husband who should be looked at for sainthood. 

What you can’t see from the outside is that I am worthy of all these blessings, and I finally know it. 

I hope you know that you too are worthy, not entitled but worthy. 

I hope my fellow coffee housemates that you will not suffer through decades not knowing that you are worthy.

If you are hurting, know that you are worthhealing and it is never too late to have a dream, make a life, and increase your skills or jump out of an airplane!

Read More
frustrations and fears featured image
How to // Self Help

Learn to let it go, for the better.

Learn to manage frustrations 

Why do we get angry?  I have two main catalysts for anger: frustration and fear. The two big f-words can lead to another f-word. I have generally given up getting angry at other drivers or politicians. 

 

Many of my frustrations come from the wonderful world of technology. I have used some form of a computer for over 30 years, yet I am not tech savvy. Not finding that perfect thing I wrote or that article someone sent me is frustrating. Is there an electronic version of the old fashioned file clerk who can put things in an order that works with my mind? I have resisted change but here I am on Windows 8. Why don’t I have a Mac? Well, most of the programs I have are using Windows operating systems and I just don’t want to try and live in two worlds. I recently bought this cool little tablet that will twist all around, but it uses Windows 8 and has a touch screen and how to turn it on is on page 42 of the 168-page manual…. enter frustration. 

 

After a nice tutorial with one of my favorite tech pros, who does not chide me for not using an I- something, I am better. I have three computers all set up somewhat differently and lots of clouds. 

 

The good news is everything on any of them is backed up on a cloud and that gives me some comfort. How many clouds do I have out there? Do I in fact have a Cloud 9 in cyberspace? 

 

Being mindful that I am synced daily and all my stuff is sitting on clouds is comforting, so I can let that frustration go. But what of other frustrations? Like Russell who will not come in from exploring unless I call “dinner”. Who has a dog that will not come to his name, but will come to “dinner”? Or not being able to open a jar or run like the wind anymore? What about those things? 

 

I have decided to take a deep breath and just let it go. Russell can think his name is dinner, I can buy stuff in cartons and I can ask for help. Learning to ask for help has become a critical part of eliminating my frustration. I embrace my need for help and am even willing to pay for it. 

 

Just let it go…

 

Fear will hinder you

Fear, on the other hand is a somewhat harder beast to tame. What if I am having a brush with death in traffic? What if Dinner (aka Russell) throws up or wheezes or gets out of the yard and trots out to get hit by a car? My fears all stem from the concept of loss and usually death. My own, my family’s, my friends’, and my animals’. I know it is inevitable, but the voice in my head says no, not now, I am not ready. 

 

I was angry for at least a decade after my father went to work one day and never returned home, because he had a stroke and died. Did my anger help? Not really, anger just delayed the inevitable grieving and denied me any comfort. Anger is a way I have protected myself from being vulnerable. Guess what? Anger does not work. Anger does not protect me from my vulnerability, it just buries me under a rock pile.

 

Anger is a substitute for feeling loss. 

 

 A few months ago, I decided I needed to crawl out from under that rock pile yet another time. Oh, I have had lots of rock piles in my past. I am a hard driving, pain ignoring, superwoman who cries at old Lassie episodes, despite the fact that I know they will not kill off Lassie. I never feel good about my angry vicious words slung at another person, in fact, I feel bad and guilty (anger turned inward). 

 

So how can I just let it go? Again, breathe and just let it go. I cannot control the world, it is not for lack of trying, but it is pretty much a full time job trying to keep myself balanced and do the work that I love. So once again, 

 

just let it go…

 

How do I let it go?

I am learning to surrender these things to something greater than myself. I call this HP, but the Universe, God, fate or WTF will work. Surrender just means I accept that I cannot work on anything but my own actions. I have found several things that help me just let it go…

 

  • Breathe
  • Move
  • Feel it and leave it
  • Drive down the interstate throwing marshmallows out the window while screaming! Watch them bounce in the rear view window and let it go!
  • Pet an animal
  • Do a good deed for someone else, especially helpful if they do not know that you have done it
  • Smile
  • Give yourself 5 toxic minutes a day…choose carefully, because you do not want to be out of minutes when the shit hits the fan at 11:55PM!
  • Take a picture of yourself with your mad face on? Look at it! Would you want to talk to you?  
  • Eliminate the word “should” from your vocabulary

 

You get the idea, now you can make up your own ways to 

 

just let it go…

 

(and let me know what you come up with)

 

Read More
How to // Self Help

Money is powerful, feeling overwhelmed?

Why is money so powerful?

 

Demographers tell us that the number one thing people worry about, fight about and trace their unhappiness to; is money. Why is a simple currency so powerful? 

 

It is not the money itself, but the meaning of money to us that makes us all crazy. 

In a nation of wealth, many suffer from a lack of enough money to feed, clothe and care for their children. So many choices are eliminated without money, yet six months after winning the lottery people are no happier than the group of people who were injured and placed in a wheelchair in the same time frame. What? How could that be possible? For thirty years I have worked with people and their investments and I can assure you that having 10 million dollars does not eliminate some of the worst things life has to offer up. Addiction, cancer, loss of a child, a spouse or a sibling, car crashes, murder, theft, depression, stroke, falls, heart attacks, job loss, carjacking, rape, and relentless physical and or emotional suffering  have all been a part of my clients’ lives. Having money does not make any of these tragedies feel better. 

 

There are people who live in fear over money issues, ignore problems with their spending compulsions, and suffer a lack of self-worth because they did not make their money. People lose themselves and their families in the process of striving to make money, to provide for the very security they think money will provide. Over and over people use the same techniques to cope with life’s difficulties. When your child is addicted to heroin, it really does not matter that they are from a rich family, their personal bottom will not be more easily hit. Rehab, they can afford rehab. Indeed, they can, but you can send them to rehab all you want, but until they are ready to crawl out of the ditch of addiction and fight for their own life their parents are as helpless as those with no means. Having worked in psychiatric hospitals, day treatment centers, juvenile detention centers and jails, I can say that the problems I observed there are the same ones I observed in brokerage firms.

 

How can we realign our feelings and our behavior

and put money in its proper place?

 

 

Can we knock money out of the top 5 list of things we fight about and worry over? I believe we can by examining the emotions behind our feelings about money and our subsequent behaviors. After the market crash of 2008 and the overall economic fallout, I was reminded of how paralyzed and how impulsively people respond to money. I judge this by the number of “talk them off the ledge” conversations I had, with people that were not even my clients. It is a painful thing to watch billions of capital evaporate in days or even hours and it tends to make people feel the world is ending. My great-grandfather jumped off a building in the early part of the 20th century in the great bank panic. Evidently, he had reached a level of either not caring or thinking his demise would be helpful to his wife and 11 year old son. Naturally, this came under the heading of things we did not talk about in my family. Did the loss of the status of his job seem insurmountable? I would have loved to ask my grandfather more about this, but he died when I was 8.

 

I have embarked on a mission to help people find out what their “money scripts” are and to help them understand what they are doing, so we can get money off the top 5 list. I have been inspired by a number of people and my workbook has been Mind Over Money by Drs. Brad and Ted Klontz. Understanding oneself if a powerfully empowering tool and can help anyone worry less, behave more appropriately for their circumstances. I am acutely aware of financial mistakes, as I have made my fair share. I have had the privilege of observing the mistakes of companies, Foundations, families, individuals and financial advisors who manage billions of dollars. Getting to the “heart of the matter” (thank you Don Henley) involves a process that forces us to interact with ourselves and others in ways that can be uncomfortable, but it can be done. 

 

So come on along, there will be more about this because you are worthhealing.

 

Read More
Local economy

Sometimes Dreams Are Crushed But Their Spirit Lives On.

Original dreams

A young woman who lost her momma in high school and suffers from many of the same health problems with her GI tract, had a dream. She had dreams to heal people with food, and she taught us all so much with her local restaurant.

 

Flooded dreams

A 100-year flood destroyed the restaurant, the buildings at their farm which provided most of the food for the restaurant and acres and acres of gardens.

 

This is so very hard for this wonderful dreamer, whose dreams have been shattered for now. This is fresh and painful news for me, because it is the place, I did not have to worry about what was on my plate.

 

The horror of this loss gives all Pinewoodians pause. For me, the realization that she would have to abandon this adorable and fun place also meant she would have to say goodbye to her hard-working staff.

 

Local Memories

We all knew the McCormick girls and watched them grow and heard them sing. They waited on tables and rang up stuff on the register. I think their daughter Lola was about 8 when her older sister made a request to no avail. “Bella, I’m working the register and there is a LINE!”

 

We went to watch the girls sing on the stage of the Ryman for a fundraiser. We knew Aunt Colie as she was a major player in getting Pinewood going. Lee, the pater familia of this clan took out the trash, sang, greeted people and played with babies so young mommas could eat. I asked him once if he was there in an official capacity. He told me he was with the band! Sometimes, he’d play some amazing tunes by musicians who left us too soon (Townes Van Zandt).

 

When they first opened with a light crew, friends and neighbors would take orders and bus tables. Many of these people did not really work there, they were just helping out. This is cattle country, and farmland and people help each other out!

 

The devastation in Hickman and Humphreys Counties is real. An anonymous donor has stepped up to pay for all 20 funerals of those who died in the flood. Sadly, some of them are small children. Homes have floated down the river, lives have floated downstream and there is sadness and glory in this horrific process.

 

Tomorrow they will sell the remaining inventory of the Mercantile which includes clothing, books, kitchen stuff and bacon, sausage, steaks and jams. There will be tears and hugs and gratitude for the very existence of. There are so many memories attached to this place. Me on roller skates in a Halloween costume and there were some great costumes.

 

Thanks for the memories

I remember when Kayla decided it was time to turn the drink fountain around. She did it and it was never changed. People have shared their lives with each other and their table. Just as her restaurant was heralded in Magazines of places not to miss, the flood waters came. We will all mourn this loss. George said, “I’ll never get to eat Mario’s barbeque,” and “where will I get the best bacon in the World?”

 

 

 

 

 

Read More
Local economy

The Thrill of The Sale and Other Money Behavior Myths

Why are people so excited by a sale? How does it impact their money behavior?

 

The short answer

The “SALE” gives some people “permission” to spend money on things they feel in that moment they want and maybe even think they need. 

 

On a personal note…

My mother used to love to go to the grocery store, because “it was the only place she did not feel guilty about spending money.” My mother was raised during the Great Depression and would drive across town to buy lettuce that was a dime cheaper. 

 

So what is this money behavior more specifically?

It does not make much sense, but much of our money behavior is not logical, but purely emotional. 

 

The grocery store sells much more than groceries. You can buy books, magazines, make up, hair dye, nail polish, household utensils and medicine at the grocery store. You can buy groceries and almost anything else you can think of at Walmart or Costco. The nature of the placement of items in the store can help you notice things you did not come to buy. 

 

When you attach the word “SALE” to an item it becomes more attractive. The only way to reduce this “impulse buying” is to make a list of items that you are going to buy at the store and stick to the list. I am such a killjoy!

 

 

What has research shown?

 

Research tells us the ways to get people to buy more “stuff.” 

With the pandemic, people soothed themselves by buying more stuff because they could not pay for more experiences. Taking that trip to Europe or across the country because Covid has stolen our fun factor was substituted for “stuff.”

 

How many times do people buy lottery tickets and have a couple of days to dream about what they would do with 500 million dollars? 

 

The dreaming experience may be worth the price of the lottery ticket OR you could put the price of your ticket in a jar and give yourself a little more time to have fantasies of amazing wealth. 

 

Many of us have little “tricks” we use to spend less or save more. Tell me about how you “trick“ yourself into better money behavior. (You can also tell me what kind of “stuff” you bought.)

 

Here’s mine:

 

In 2020 I used Membership Rewards Points to buy a television since I was not going anywhere. In 2021, I bought a treadmill as a better place to watch television using some more points. 

 

See how I convinced myself that it was a “sale” because of the ability to use “points”? I could have used the points at a later date and still used my stationary bike in front of a television. I do it. You do it. Most of us do it! 

 

Happy New Year!

Read More
How an unprecedented natural disaster affects families
How to // Self Help, Local economy

How an unprecedented natural disaster affects families

The Financial Transition Effects of a disaster on a family

 

You can see the hurricane coming from wherever you are …it rises from somewhere offshore. In the distance, as the fog clears, giant waves appear. These waves are unstoppable, and survival becomes a serious question. 

 

Death of a family member who has suffered a long and often tortuous existence goes to hospice and people wait with dread for the inevitable. When the final moments come it is often met with silence before the final moment or frenzied activity. Children are actually now the adults and hopefully there is not much happening other than a gathering of farewell for the decedent.

 

Later, the dynamic of everything changes. Families can and do go over what remains, and venom can appear over an otherwise worthless object. “I wanted the turkey platter,” “But, momma wanted me to have it,” says another relative. Sometimes the object is jewelry, but it can be the turkey platter, a child’s rocking chair or the family pictures. It is amazing that pictures carry so much weight especially as they are the easiest item to duplicate.

 

Grief has many stages, and those stages often overlap or blend together. Sometimes a grieving individual can erupt with anger while a sibling cries in the same room. Life is messy and the end-of-life does not immediately clean up the residual mess left by the departed. 

 

How To Prepare for a Potential Financial Transition

 

With good planning and a little time, most of these things can be worked out easily. When you look for someone to help you with your finances, be sure they can and will help you find an estate attorney. Make a list of items you want to go to specific heirs and any cash gifts you would like to make. 

 

Don’t try to do everything at once. I encourage all of my clients to examine who gets the Martin guitar, who gets the keyboard, the ASCAP awards, the catalogue, the house, the farm and of course the animals. Plan for the end of life and live life with joy. Don’t get flattened by the hurricane, act before you have to. 

 

Death and taxes are probably the only certainties and there is a plan for those things.

 

If you have questions, don’t hesitate to reach out. 

Read More
Creating a healthy money attitude in your children
How to // Self Help

Creating a healthy money attitude in your children

How I learned a healthy money attitude

Ancient scripture often refers to money this way: “1/3 for use by the earner or family, 1/3 for savings and 1/3 to help others.”

Every year at Easter we would fill up these little cardboard replicas of a church with our Lenten offering. I would ask my parents if there were extra chores I could do to make extra money. These “mite” boxes were an opportunity for me to give to the needy and I was proud that I had earned this money for those less fortunate. I also learned what a mite was, because that was not clear when I asked my mom who Mike was.

I had a unique job opportunity at age 11. A neighbor had a gift shop and he said he could use extra help with wrapping. I asked him if he would hire me and if I could ride to work with him.

I worked in the back with an elderly lady who had worked with him for years. I remember that she said, “it doesn’t matter if the present is a little bit of nothing, it deserves a beautiful wrapping.” Every little box had cotton in it, was wrapped first in tissue paper, then the Christmas paper and a nice bow. We put tissue in the bags so the present would not get knocked around. School is not a job, ballet is not a job, horseback riding was not a job, but this was a real job

Healthy Money tip #1: Money is best talked about in terms of earning it initially!

A few small chores = an allowance. Very young children can set the table for dinner, clear the dishes and if it is takeout throw out the trash, feed pets, and help with family projects.

It is never too early to open a bank account with saved allowances or birthday money.

Healthy Money tip #2: Fighting about money is scary and confusing to children.

Ask yourself if you want your children to learn that talking about money leads to fighting about money.

I was pretty young  (9) when I figured out that I could earn and save money to have things or experiences I wanted.

Healthy Money tip #3: Paying people for work they have done for you promptly shows respect and concern for others.

If your child has an allowance, Do not “forget” to pay them or make excuses. Thank them for their good work and pay them on time.

Summary 

If you want a child who likes to work, show them how you work. Families with restaurants may have a child at the register and I think how great that is for everybody. Work in a good situation gives pride and confidence to a child and may include them in the most important endeavor of the family.

A crappy job helps a kid gain direction towards something they like better.

Life can be a rollercoaster, so work helps teach adaptation to what is needed.

Nothing is more important than the health and safety of everyone in the family.


 

Read More
Etta quiz post image
Uncategorized

Are you Etta?

This quiz is designed to help you recognize the problems you might be facing right now financially. It’s designed also to help you realize that you’re not alone. I can help guide you along the path that is most right for YOU.

Feel free to leave a reply at the bottom to let me know what you think 🙂

Read More