Personal Finance I get a certain “high” when seeing lots of money in my savings account. It’s stopping me from investing. |
- I get a certain “high” when seeing lots of money in my savings account. It’s stopping me from investing.
- Finally got $1500 in the bank after years of living paycheque to paycheque. Pressing expenses.. What now?
- Mech Engineer, just got laid off from job, 57K in debt, need advice.
- Found not at fault for a minor car accident. Now the other insurance changed their minds. Claims I'm 20% at fault. Says they "talked with my insurance" but the person handling the case is on vacation.
- Emergency savings allowed me to transition to a better job
- My employer wasn't contributing to my 403b
- Continue renting or move home with parents?
- Is there a relatively "Safe" percentage of quarterly tax to pay when self employed? (30? 35? 40?) It seems crazy complicated. Details inside.
- I've completely ruined my credit at 22 and my mental health led to EXTREME neglect of bills and I don't even know how to start digging myself out. PLEASE HELP ME.
- I'm recovering from debt but my car needs $5.2k of repairs and I'm not sure if I should fix it or get a new one
- Got a big job offer and want my company to counter, but I don’t want the new job. Take the risk?
- 23, Just came back home and I'm feeling pretty lost. Not sure what direction to go in.
- Will settling a debt affect my credit score differently than if I paid the full amount?
- [home loans] Can someone explain why prepayment of the first month's interest is a thing?
- Where the HELL do I start? 24 and only $7,000 in debt, but living from pay check to pay check. I want to become an investor with healthy savings.
- Broke my lease early on my car. Found out i have a $3500 bill because of it. Please help
- Lease vs Buy vs Fix
- (CAN) I have two legal identities.
- Questions about Cobra
- Employer Covers 100% of Health-Care, Should I Use HDHP/HSA for HSA Retirement Savings
- Was I scammed by Green Dot Bank? Tax Issues.
- Something better than Mint?
- Getting fired / asked to resign; need advice
| Posted: 29 May 2018 07:09 AM PDT Anyone else have this issue? I don't have that much in savings. But I just get a really "high" feeling whenever I log in and see the numbers. I get excited to see them grow each month. For me, a large savings account is a reminder that I'm doing things right. It's a reminder that I'm stable, that I won't ever be homeless, or have to ask friends and family for money in an emergency. The most intoxicating feeling that I get from looking at my savings, is that I know that I'll be able to quit my job in a moments notice, take some time off work, and won't feel rushed to look for another job, and take some crappy job just to "pay the bill" This is what I feel when I look at my savings.... but I also know that I'll need to start investing it soon. I'm 30 years old. 50k salary [link] [comments]  |
| Posted: 29 May 2018 04:45 PM PDT Title. Cashed out some annual Leave and put $1500 in to my savings account. I get paid fortnightly. I have enough money (aside from the $1500) to make it through to the next pay day. I need 3 new tyres ($330) I have a cracked drive belt ($120) I have bad spark plugs and engine mount causing rough idle ($400) I have an aged fuel filter ($90) I'm very hesitant to spend any of this money on my car. The mechanic wasn't able to tell me how long I can get by without getting the work done. Obviously the tyres need to come sooner or later. I was going to wait 2 weeks for the tyres and a month for all of the other stuff. Is this a dumb idea financially? Obviously if something fucks up badly I'll have to pay more for a tow truck, but having money in my savings account for the first time in a long time feels great and it feels like it would be irresponsible to empty it on my car despite it being pretty necessary. What else can I do to help myself save? [link] [comments]  |
| Mech Engineer, just got laid off from job, 57K in debt, need advice. Posted: 29 May 2018 02:43 PM PDT Hi all, This morning I got laid off from my job. I used to make $75,000.00 a year as a Mechanical Engineer for a mid size oil service company. I signed an " At- will" employment contract, basically they gave me no reason as why I was laid off...I think it was not performance related, just a poor relationship with my direct supervisor. Every other manager was happy with my work. I had to block mysupervisor on LinkedIn, as she would look at my profile every week...and she followed me to my car once, yelled at me and asked why I was leaving, I had only gone to get my glasses from my car. Enough about that. I'm a single female, living in Houston, TX. My family is in another country, and some relatives in the Austin TX area. When I started last year in July, I decided to not contribute to retirement at this company as I wanted to get out of debt. I started with $92K in debt. I've paid off 2 credit cards, one student loan and most of my car. I've managed to decrease my rent, my interest rates on my debt, and my car insurance. My rent went $1,320 to $917 starting April 2018, moved closer to work, saved time and gas. Car insurance went from $250 to $180...once I moved my rate was gonna increase so I negotiated better rates elsewhere. I reduced the rate on one of my credit cards from 25% to 18%, still high but lower than before. I felt like I was doing the right things, and I just got fired and have little to no back up plans. I also stopped saving entirely, every extra cent was going either to school, or towards debt. I used to make $4,690.00 a month, after taxes and deductions. I cashed out the retirement money I had from a previous employer to pay off my credit card debt. Paid a hefty penalty when I did my taxes. So far, I've reached out to my network, updated my LinkedIn profile, started looking at jobs and saving the ones I have the skills and experience for, I will apply later today. I will file for unemployment also, and get some medical insurance, not COBRA. I plan on doing UBER to make some money until I find another high paying job. The city I live in, you can make around $500 to $1500 just working weekends. Full time....I hope to make more than that. Below are my my monthly expenses and debt Current accounts Checking: $20.00, last paycheck tomorrow ($2,340) Savings: $0 Retirement: $0 Crypto: $2,500, bought in early, have not bought more since March 2018. Monthly Expenses Rent: $917.00 Insurance: $180.00 Car payment: $446.00 @ 1.9% with a credit union, Gas: $50.00 Groceries: $75.00 Utilities: $45.00 Phone: $70.00 Debt Sofi: 252.00 Marcus: $170 Student Loans: $70 Discover: $160 AMEX: $220 Below are my debts: Loans, Sofi: $8,829.00, @ 12%, Loan, Marcus by Goldman Sachs: $5,673.57 @ 12% Car loan: $10,966, @ 1.9%, 24 payments remaining...I've been paying more to it Credit Card 1, Discover: $8,258.00 @ 0% until October 2018 Credit Card 2, AMEX: $11,418.00 @ 18% Student loans through Navient $1609.31 @ 5.6%, I was gonna pay it off this month :-( $ 3,938.09 @ 4.5 % $3,824.79 @ 3.4% $$2,807.55 @ 3.4% Last year I had over $40K in credit cards, I paid 2 off and cancelled them. I've gotten my spending under control. I just need to know best path forward, and any other advice regarding how to approach employment and my debt. Nobody every taught me about money, and once I learned about investing and debt, I decided to get out of debt. In 5 years, I don't want debt, I want freedom to chose who I work for, and multiple sources of income. Any advice is appreciated. [link] [comments]  |
| Posted: 29 May 2018 04:56 PM PDT So the accident happened mid April. A car backed out as I went straight. Our cars hit each other and I called my insurance first thing I could. After a long time waiting, they came to the conclusion that the other person is at fault and I am not. The other person's insurance company said I need to use an app (express vehicle inspection) and take pictures to get an estimate of the damages. I did that and now they have changed their minds. I am now at fault due to the pictures that I took. The thing is, I have already posted pictures of my car and where the damages are on my car and sent it to my insurance. They state that the location of the collision, my bumper, make me at fault. I called the person who has been handling my case but it says she is on vacation until June 6. I have not delete with this before. Am I supposed to take their word for it & submit to what they are saying? Is there anything that I can do? Edit: This all happened in mid April. The pictures for the estimate happened a few days ago & the change of who's at fault happened earlier today through a voicemail. [link] [comments]  |
| Emergency savings allowed me to transition to a better job Posted: 29 May 2018 11:41 AM PDT I was able to quit a job I absolutely hated because of my emergency fund. Four months later, I'm starting a better job with better benefits and better pay because I took the time to network without having to worry about bills. [link] [comments]  |
| My employer wasn't contributing to my 403b Posted: 29 May 2018 09:13 AM PDT I work for a small nonprofit (~50 employees) in Georgia; I've worked here for a little over 3 years. Upon hiring, I filled out a form to begin contributing to an employer-match 403b program. I was told today that no contributions have ever been made to this account (either my own or my employer's) because the previous CFO never filed the paperwork. I know I should have realized that deductions weren't being taken out of my paycheck, but I didn't. And now I'm three years out with not only no contributions from my own salary but none of the matching contributions either. What do I do from here? For context my spouse and I have a Roth IRA that we contribute to on our own, and his job has a matching 401k that he pays into out of his paycheck. [link] [comments]  |
| Continue renting or move home with parents? Posted: 29 May 2018 05:25 PM PDT I am in a predicament as my current apartment lease ends in July and I am torn as to whether or not I should move back in with my parents rent-free or renew my lease for another year. Per Month Income: $2,600 Student Loans: $30,000, with monthly payments of $700 Rent : $600 Utilities: $60 Groceries and restaurants: $500 Gas: $50 Fun/ misc money: $200 Currently using my parents' car, but will need to purchase my own car next year (most likely a used sedan around $15,000). Everything that isn't spent goes into savings and betterment account (currently at $6,000). I will be funneling those savings into a 401k soon ( I know, I know, I should have done that wayyy sooner). I'm torn between choosing my social life (parent's live in suburbia, apartment is in the city near friends) vs saving money. Has anyone been in this situation before and if you chose to live at home did your social life suffer because of it? I am 24 years old and feel like it's socially expected for me to live on my own. [link] [comments]  |
| Posted: 29 May 2018 12:30 PM PDT Hi there. So my husband has a successful LLC but he doesn't file as an s-corp so all his earning are subject to self employment tax. Let's say that after expenses in 1 quarter, he makes $75,000 profit. How do I correctly figure out his quarterly taxes on that? In the past, I have taken a marginal tax rate of 25 percent and added the 15 percent for self employment for a total of 40. Is that too much? Is that stupid? (I don't mid overpaying and getting a refund.) Are there easier calculators for the quarterly tax that I am missing somewhere? The IRS worksheet is a bit of a pain to understand and any advice would be great. [link] [comments]  |
| Posted: 29 May 2018 07:10 PM PDT So basically, my mom passed away when I was 16 and I've been on my own ever since. I've had zero real world financial guidance as my mom was sick through my teens and she was a single mom of 2 kids. I couldn't keep up with bills and used credit cards to survive for a couple years. I've always only been able to afford the minimum payments so I've never really made headway paying them off. I was okay like that for a bit until I took a huge pay cut and couldn't make it anymore. I took out several payday loans over the last year and am in way over my head. I also had a huge lapse in mental/physical help (diagnosed borderline personality disorder and manic depressive) and it basically led to a total shut down where I just stopped paying my bills for months in order to survive off my paycheck and just feeling completely lost /hopeless, coupled with wasting money in unhealthy coping mechanisms. I'm now roughly $400 in debt with 3 accounts in collections and 4 delinquent loans, one of which I just got a court summons for and I'm freaking out. I can't afford to pay everybody. Please help me start in the right direction. I'm in Colorado, 22 years old and I make about 28k a year. [link] [comments]  |
| Posted: 29 May 2018 01:05 PM PDT Hi all, I'm in a weird situation. I'm 27, I work two jobs, and go to college part-time. I work two jobs to pay off debt and I take care of my mom, sister, and grandmother financially. My expenses are:
My take home pay every two weeks is $1300. However, I work for Grubhub and take home an additional $300-$400 per week. So my monthly income is around $3,800 per month. My car needs the following done:
Total: $5,276 My car is a Nissan Altima with 177,000 miles. I drive a lot of miles because I work Grubhub during the nights and weekends. My car is in poor condition and KBB said the trade-in value is only $1400 for a car in fair condition. The private party value is $2.500-$4,256. That's if my car was in fair condition which it's not. Here's my big problem. I need to fix the catalytic converter by the end of June or else it won't pass emissions. I don't have any money for a downpayment and my credit score is only 530. Like I said, I made a lot of mistakes when I was younger and I've been working nonstop to correct them. My question is, should I buy another car? Or fix my car with 177k miles? If I were to buy a new car I would buy a used Prius or a Civic. I could then drive for Uber or Lyft. I can work the same hours I do as Grubhub and make even more money per month. Edit: I should explain that I split the living expenses with my brother. The numbers I posted above is my half. Edit 2: Normally I would chose to repair the car but the car is in poor condition. It has a damaged bumper, and I suspect more problems because it's starting to show other trouble signs with it's engine. I may need even more repairs in the near future. Edit 3: I asked the same question on /r/mechanicadvice and everyone said the car isn't worth it. They say Nissan's aren't very reliable. Some said that since I drive so many miles, it wouldn't last another year even if I did all of those repairs. This makes it even more difficult to come to a decision. [link] [comments]  |
| Got a big job offer and want my company to counter, but I don’t want the new job. Take the risk? Posted: 29 May 2018 05:59 AM PDT I work in fairly competitive industry and have been head hunted and offered about $30k more elsewhere. The thing is, my job now is super interesting and I'm good at it. Love my boss. I also have a one year old and right now I basically don't work more then 35 hours a week. However, I asked for a raise and promotion in January and got a yes...and then now silence, even though I have inquired about it twice since the ask. I want to go to my boss w this offer, but I'm afraid there is a tiny chance he won't come up with a counteroffer and then I'll be sort of screwed and have to take a job where I work a ton on boring stuff. What are my options in this scenario? Has anyone gone to the mat in this way and stayed at the job they had? [link] [comments]  |
| 23, Just came back home and I'm feeling pretty lost. Not sure what direction to go in. Posted: 29 May 2018 02:35 PM PDT Hey guys, as the title states i'm feeling pretty lost. I recently came back from deployment and have around 40k cash I want to invest. I have visited a multiple subreddits and am still unsure of what direction to take. I am currently a student and do not have any additional sources of income other than my G.I Bill. I have no debt, and am currently living at home with no bills. I also already have a emergency fund of around 10k put away. Any and all help is appreciated thanks. [link] [comments]  |
| Will settling a debt affect my credit score differently than if I paid the full amount? Posted: 29 May 2018 02:35 PM PDT A debt collector is offering to settle a $597 debt for $300. My question is, will this be as helpful to my credit score as of I paid the full 597? [link] [comments]  |
| [home loans] Can someone explain why prepayment of the first month's interest is a thing? Posted: 29 May 2018 01:09 PM PDT Preparing to close on my first home soon and included on the closing costs is a line item for prepaying interest between closing and the first monthly payment. Apparently this is a normal thing, but nothing I've read explains why. If i stumbled on a bag of cash the day after closing and paid the whole thing off, no interest would have accrued. Why do I need to pay interest in advance? I feel like I'm a smart person but the existence of this baffles me. [link] [comments]  |
| Posted: 29 May 2018 06:07 PM PDT I am freshly 24 and averaging $700 weekly. My monthly expenses are as follows; Rent: $1100 Utilities: ~$300 Food: $500 (can't cook & waste groceries) Misc: ~$55 (toilet paper, etc.) Gas: $40 Bike payment: $144 ($6,850 left on principle) There's not much else except I probably drink to much beer and I have a girlfriend (no car, min. wage job, no skills) of 4+years I will most likely marry. I want to have a perfect savings with well placed investments although I don't believe I will ever retire. I really just want to be comfortable. I'm exhausted of being frightened by the end of the month. Where should I begin? [link] [comments]  |
| Broke my lease early on my car. Found out i have a $3500 bill because of it. Please help Posted: 29 May 2018 04:51 PM PDT Hello Reddit, So, quick back story. I moved from NY to MN a couple months back. I had to break my car's lease with GM Financial 2 years early in doing so, and now i received a notice that i owe $3500 by 6/7/18 and am naturally freaking out about it. Im hoping someone can offer advice and/or reassurance that I'm only partially screwed, but not a full 100% screwed. What should I do? Thank you so much in advance Edit: please understand, im not disputing what is owed, and i understand the legality of it. I just want to know what options I have for repayment. Thanks again! Edit 2: Just spoke with GM Financial. They wont allow me to set up payment arrangements until Im officially passed due (6/7/18). Ill be calling back friday to make a payment, then setting up monthly installments first thing in the morning on the 8th. Thank you for the feedback, everyone. [link] [comments]  |
| Posted: 29 May 2018 07:36 PM PDT I'm on a plan to move to the mainland US from Puerto Rico in about three years. I was planning on having my 2014 Kia Soul Player paid off two years from now, and then taking it with me. The problem is I got into an accident, and now I may lose the car. The claim adjuster said its probably gonna have to be written off because repairs are probably gonna exceed 60% of its value, which is a little under ~$11.5k. He also said that I should consider the option to have my repair shop get used parts so they can fix it for cheaper and I could keep my car. Then, there's the subsequent choice of buying or leasing a car should My current car be written off. Leasing is attractive, because payments can be low, allowing me to save some money for my moving plans. Another important factor is that with Puerto Rico's current financial situation, streets are barely being maintained, especially after the hurricanes, so I might not want to keep a car that was driven in these conditions for three years. My Soul's shock absorbers have gone noticeably downhill in the last 8 months, The conditions are just bad. Buying is attractive to me because, well, in my mind, the sooner I buy, the sooner I can have a paid off car. But while leasing fits my plan in a seemingly perfect way, leasing is still for people who want a new car often. Without going into personal details, my situation is such that no matter what, I'll have $2k/month, so I'm ok with making a longer term commitment which will leave me a paid off car in the end. I've been mulling this over for a week now, and the anxiety this decision causes me needs to stop. Any useful opinions appreciated. TL;DR: I'm on a plan to move to mainland US in 3 years. I was in an accident that has me torn between having my car written off, or having the shop fix it with used parts. Then, if its written off, do I lease or buy the next car? Edit: Added the car's picture after the accident. The damage looks minimal in the picture, but both curtain airbags and both the passenger and driver's seat airbags exploded. Also, the front door doesn't close properly anymore, which could hint at some structural damage. [link] [comments]  |
| (CAN) I have two legal identities. Posted: 29 May 2018 07:36 PM PDT Since I can remember, I've had problems verifying my identity when pulling a credit report or applying for credit. Always had to fax in an ID and confirmation of identity. Today, I went to get a credit report in person and discovered the problem: they have 2 files on me! File #1: File #2: I have no idea how this happened. My theory is that I applied for a SIN when I started working, but maybe my family already got me a SIN I wasn't aware of. They say that might have happened but they don't remember or know where the card is. What kind of problems could this cause (other than the ones I've had already)? How can I fix it? [link] [comments]  |
| Posted: 29 May 2018 07:09 PM PDT Lost my job 4/30 and cobra was offered. Marketplace insurance was going to be higher than cobra, my self employment income is too high to qualify for any help so cobra will be the best option. The cobra form said the last date to elect coverage was 5/31, so I sent in the form electing coverage on 5/18. I haven't made a payment yet. I don't actually need insurance right now, unless there's an emergency, and would like to save on the premiums if that's an option. I thought I had read that you could wait to see if you need it, and retroactively pay for previous months if/when you need it. Is that true? If that's the case, then I would let it ride until just before the 3 month mark to avoid the tax penalty. If my coverage ended 4/30, that would mean I could begin coverage 7/31 and not have to pay the penalty, since coverage for even one day of a month counts as coverage for the whole month in terms of the tax penalty. Is that correct? The wording on the form is confusing but it sounds like I need to make the initial premium payment 30 days after 5/18, and it needs to cover all months since loss of coverage. But the form also says it must cover each month of retroactive coverage "you desire," which sounds like I can choose to start coverage later and not pay for the months in between. If anyone can help me understand this, I would really appreciate it. [link] [comments]  |
| Employer Covers 100% of Health-Care, Should I Use HDHP/HSA for HSA Retirement Savings Posted: 29 May 2018 01:25 PM PDT Hi All, I'm about to start a new job where my employer will cover 100% of my health care. So, I can simply opt for a PPO and have that paid. But I've recently read about the benefits of having an HSA for retirement, and it seems appealing. I'm a healthy young person (32M), so I don't see the doctor often. In this case, does it make sense to go with the HDHP and HSA? Thanks [link] [comments]  |
| Was I scammed by Green Dot Bank? Tax Issues. Posted: 29 May 2018 02:02 PM PDT Backstory: on January 21st I sent in my 2017 taxes using TurboTax. I was sent a NetSpend card and was told my refund would be sent to that card. Fast forward to today, four months later, my refund has still not come. I called the IRS an hour ago because I never received my tax refund and the lady told me my refund was sent out on February 8th, but it was sent to an account with Green Dot Bank. I was confused (and still am confused) because I have never even heard of this bank so I obviously do not have an account with them. Looking over my tax refund I see the routing and account number that my refund was sent to (unless it is a generic number that everyone sees on their forms but I doubt it) and I do not recognize it. I e-mailed Green Dot Bank and they have sent me automated e-mailed back along with a form for me to fill out and send back to them outlining that they will not be held responsible if I fill it out. So who is responsible? Did I cause this? Did someone somehow have my refund sent to their personal account? Can anyone tell me what I should do? Thank you for reading. UPDATE: I found my money!! Thanks for all your help, it has been sitting in a Green Dot account and collecting monthly maintenance fees (haha) that I was able to access through the turbotax website. This means a lot to me my friends :) If you are visiting this thread because you're having the same problem, click this link and then click log in and you will soon find your money. Just have them send you a card in the mail. [link] [comments]  |
| Posted: 29 May 2018 06:16 AM PDT I love Mint, but it's just gotten so hard to use with all the ads everywhere. I tried YNAB, and while it can import, I'm looking for something basically as clean as YNAB but as automated as Mint. Does anything exist? [link] [comments]  |
| Getting fired / asked to resign; need advice Posted: 29 May 2018 06:28 PM PDT Hi all, I've been in an incredibly stressful job for a little over 3 years. Though I"ve been unhappy, I've stuck it out for the experience and out of hope I could improve things, and periodically looked for other opportunities. Recently, my second level boss hired a new manager above me, who has clamped down on me; I think for a range of reasons that have some truth (I have become burned out) but also some biased perceptions that seem like he just wants me out. It started with a mediocre performance review at the end of last year. Then a few weeks back, I got a 'verbal warning' intended to get me to pick up the pace of my performance. Though I've worked hard, they didn't deem my effort good enough. They had expressed their intention to give me a formal written warning, and I asked them instead if it came to a point where they didn't want me around, could we just talk it out instead of going the official HR route, because if I wanted to apply for internal transfer, a 'warning' on my record could be problematic. Today, in my one on one, my managers expressed that they will give me 6 weeks to figure out what I"m doing next but they need me to transition out of the group. I have about $800K savings spread across traditional and retirement accounts. I live in NYC with a roommate in a not-too-lavish apartment for $1425 a month rent, before utilities. I'm told from my surviving parent that there could well be $1 million of inheritance money for me at some point, but I hope that's not for a long, long time. I'm trying to figure out some essentials: --Will I be eligible for unemployment? Should I make them "fire" me instead of "quitting"? Is this different than being laid off? --I'm a staff scientist and my position was a coveted management-level contributor. I'm super burned out (see point three below), but I worry that if I leave the current job without having another one lined up, it's going to be difficult to get a good offer after some time to rest and hopefully feel better. Ideally, I'd get an offer in the next few weeks before my deadline, and negotiate a few months of vacation before starting. --Is there any sense in trying to negotiate more time? They indicated that 2 weeks was standard, but in the science field, 6 weeks isn't much. --I actually began to see a doctor for chronic stress, fatigue, and a decline in cognitive functioning, a couple of months ago. At the time she evaluated me, she said she wholeheartedly supported me taking a medical leave of absence and was willing to help facilitate that. It seemed overwhelming to figure out what would be needed and a hit to my pride, so I just forgot about it. Maybe I should've done it then. Is it too late now? Would this help me in any way? --If I just do nothing and 'take time off' after the six months are up, I realize my savings would last a long, long, time before going to zero, but certainly burning through them will rapidly push up my retirement date and is not desireable. My options seem to be: A) Do nothing. Ride out the six weeks and collect my unclaimed vacation leave money. Clear my head for several weeks at the monastery that I like to visit and have friends at. Think through my next step there, but don't freak out about it. When I return, consider taking a part-time job to pay some bills and prevent debt buildup (Trader Joe's a few days per week? It's always looked fun), and find the next thing carefully. B) Scramble to find another job before six weeks are up. Hope for the best. Ideally, something good that will give me some months to rest and recuperate before they need me to start. Use that window to rest at the monastery and to reevaluate if I really want to do it. Maybe dabble in some side projects. C) Take whatever good-paying job I can get before six weeks are up, even if I'm not excited by it (because I can probably leverage my existing job for better pay than I could in 2 months after being unemployed). Push on through my burnout for a few more years until I can hit the $1 million mark and retire early in some low cost of living place. Painful now, but freedom later. Any sage advice? Thank you in advance. I'm going to the gym to clear my head and will respond to some messages when I return. [link] [comments]  |
| You are subscribed to email updates from Personal Finance. To stop receiving these emails, you may unsubscribe now. | Email delivery powered by Google |
| Google, 1600 Amphitheatre Parkway, Mountain View, CA 94043, United States | |
No comments:
Post a Comment