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BFCSA
MORTGAGE
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What BFCSA Does...

BFCSA investigates fraud involving lenders, spruikers and financial planners worldwide.  Full Doc, Low Doc, No Doc loans, Lines of Credit and Buffer loans appear to be normal profit making financial products, however, these loans are set to implode within seven years.  For the past two decades, Ms Brailey, President of BFCSA (Inc), has been a tireless campaigner, championing the cause of older and low income people around the Globe who have fallen victim to banking and finance scams.  She has found that people of all ages are being targeted by Bankers offering faulty lending products. BFCSA warn that anyone who has signed up for one of these financial products, is in grave danger of losing their home.

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BFCSA Blog

Led by award-winning consumer advocate Denise Brailey, BFCSA (Inc) are a group of people who are concerned about the appalling growth of Loan Fraud around the world. BFCSA (Inc) is a not for profit organisation in the spirit of global community concern and justice.

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Recent blog posts
Housing affordability and the changing debt burden of a typical mortgage Philip Soos https://www.theguardian.com/commentisfree/2017/jan/18/the-history-of-housing-affordability-and-the-changing-debt-burden-of-a-typical-mortgage Australia’s historically high and rising housing prices are widely debated and have prompted a number of government inquiries into housing affordability. The question stands open: is housing affordable in Australia? Affordability is often confused with related concepts such as ease of entry, serviceability and valuation. Ease of entry refers to the difficulty of purchase, whereas serviceability measures the burden of mortgage repayments relative to household income.  Housing affordability, inequality and our flatlining household incomes Greg Jericho     Read more Valuation considers whether prices are efficient relative to economic fundamentals. Opinions are divided on this: housing prices could be 30% undervalued, a bubble which is 40% overvalued, or somewhere in between. It is often claimed housing is affordable because nominal mortgage interest rates are low, having significantly declined since the peak of 17% in 1990. The standard...
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  Row over $2.5bn investor home loan surge The Australian 12:00am January 18, 2017 David Uren   A $2.5 billion surge in monthly property investment loans threatens to reignite the political row over negative gearing as owner-occupiers battle to compete amid a further projected spike in house prices this year. The value of loans approved for individual property investors has soared 28 per cent since last May, when the Reserve Bank cut rates and the government promised, with the July election looming, that it would leave negative gearing and capital gains tax concessions in place. More than $11bn in loans to ­individual property investors were written in November compared with $8.6bn in April. New loans for owner-occupiers in the established housing market have not responded at all to the Reserve Bank’s rate cuts, with the $10.5bn in loans approved in November down 5.4 per cent from the same time a year...
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Bank 'accelerator payments' to staff amplify risk: Sedgwick Australian Financial Review Jan 17 2017 5:48 PM James Eyers   Banks that use 'accelerator payments' to reward staff with a higher rate of commission as sales volumes increase could be encouraging bad behaviour to the detriment of customers, says former Australian Public Service Commissioner Stephen Sedgwick, who is investigating remuneration in retail banking. However Mr Sedgwick, whose review forms part of the banking industry's attempts to re-establish public trust and avoid a royal commission after a wave of conduct scandals, said he has not uncovered evidence to suggest remuneration has created such risks as to warrant the outright banning of product-based payments. This was welcomed by the Australian Bankers' Association. In a 73-page issues paper published on Tuesday afternoon, Mr Sedgwick did not name specific banks but said he had "tentatively identified some practices of some banks that have high risk of...
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First home buyer loses deposit after NAB backflip over apartment size Sydney Morning Herald JAN. 18 2017 - 6:30AM Georgia Wilkins   A first home buyer has lost a $41,000 deposit on a St Kilda apartment after the National Australia Bank walked away from the loan at the last minute arguing the property was too small. In a further sign that banks are tightening lending standards to high-risk segments of the property market, 20-year-old Alexander Tashevski-Beckwith said he was left without the deposit he paid and is on the hook for further tens of thousands of dollars in vendor fees after the bank reneged on the loan a day before settlement. "They haven't even left me with time to renegotiate another loan," he said. "I'm in this terrible financial position right now." Mr Tashevski-Beckwith said he was approved for the loan for the 47-square metre one-bedroom apartment in a series of...
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Home loan rates heading higher as funding costs rise, competition eases Australian Financial ReviewJan 17 2017 11:00 PM Jonathan Shapiro   Mortgage rates are set to rise for both fixed and variable rate borrowers this year as global interest rates shoot higher, competition eases and capital rules begin to bite. "Borrowers should assume we are at the bottom of the interest rate cycle – in fact we are probably already past it," housing finance expert Martin North of Digital Finance Analytics told The Australian Financial Review. Australia's banks have cited higher funding costs as a reason for increasing fixed-rate home loans. On Monday National Australia Bank became the last of the big four banks to lift fixed-rate loans in recent months, citing higher funding costs as it raised rates on two, three and four-year mortgages. The main cause of these higher funding costs for fixed-rate loans was a sharp rise in...
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Senior executives to avoid Davos forum The Australian 12:00am January 18, 2017 Ben Butler   Australian chief executives have shunned the annual World Economic Forum at Swiss ski ­resort Davos this week amid a global wave of anti-elite populism that has culminated in the election of Donald Trump as president of the US. However, two Australian government ministers mired in a furious debate over politicians’ entitlements have made the trip to the exclusive alpine getaway. Attending the conference, which runs until the end of the week, are Trade Minister Steve Ciobo, who claimed expenses of more than $1100 to travel to the 2013 AFL grand final, and Fin­ance Minister Mathias Cormann, who billed taxpayers $23,000 for weekend trips to Broome with his wife over a ­period of five years. Mr Ciobo plans to discuss possible trade deals with Indonesia and a post-Brexit Britain while Senator Cormann will participate in the forum...
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Banks turn to emerging markets The Australian 12:00am January 18, 2017 Michael Roddan   Macquarie Group’s head of Asia, Ben Way, says rapidly rising interest rates in developed economies are forcing Australia’s biggest investment bank and others to turn to emerging markets for investments in infrastructure projects, rather than see equity returns “wiped out” by surging rates. Mr Way, who has been Macquarie’s Asia chief executive for two years, said that with global investors increasingly interested in emerging market assets, the cheap prices for infrastructure projects were unlikely to last. The bank’s portfolio of companies in Asia has doubled in the past three years to about 70 major investments. This comes after Macquarie cut its investment bank staff across Asia last year as part of an industry-wide reassessment of market-facing opportunities in the region. But with more companies realising infrastructure investments in emerging markets are sold at a relative discount to...
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Mars Barred: another US giant skewers small business michaelwest.com.auJan. 16, 2017 Michael West   American food and confectionary giant, Mars, has made an art-form of stiffing its suppliers by trying to stitch them up with trade finance if they can’t wait four months to be paid. Following other multinational companies which operate in the grocery chain, Mars Australia and New Zealand has stretched out its payment terms from 90 days to 120 days. Mars however has gone even further than the likes of Fonterra and Kellogg’s which recently pushed out terms to 120 days. Mars is “kindly” offering its suppliers the exciting opportunity of trade finance. In other words, not only is Mars using its suppliers as a bank by pushing out payment times but it is also offering to penalise them with an interest charge on top. Mars confirmed in a statement (full text below) that it had pushed out...
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APRA to force big banks to report more data Australian Financial Review Jan 16 2017 5:44 PM James Eyers   Big banks will report significantly more data to the Australian Prudential Regulation Authority after problems with their classification of owner-occupier and investor mortgages hindered regulators' ability to respond to an over-heating housing market. A heightened reporting burden on the large banks – which will include them providing new data on aggregate interest rates, credit applications and finance commitments – will be offset by lower reporting requirements for smaller institutions, APRA said on Monday, in an Economic and Financial Statistics discussion paper produced with the Australian Bureau of Statistics and Reserve Bank of Australia. Governor of the RBA Philip Lowe criticised banks in late 2015 after some made large upward revisions to the value of investor loans outstanding and reclassified some investor loans as loans to owner-occupiers. "These data problems have emerged...
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Fitch Ratings turns negative on Australian banks Australian Financial Review 17 Jan 16 2017 5:50 PM Jonathan Shapiro   The Australian Prudential Regulation Authority has dismissed concerns about a build-up of risks in the financial system even as global credit rating agency Fitch revised its outlook on the banking system to negative. A moderation in mortgage financing and house prices, below-trend credit growth, an improvement in lending standards and limited loan losses led APRA to conclude there was insufficient concern for it to force banks to hold additional capital to counter excessive credit growth and a build-up of systemic risks.   In a report published on Monday, APRA explained its decision last month to set the "counter-cyclical capital buffer" at zero, because it had "not observed a change in the level of systemic risk". However, credit rating agency Fitch said an increase in "macro-economic risks" and slower profit growth led it...
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Earlier, Mr Shorten was at a manufacturing workshop in Melbourne and criticised the Prime Minister's decision to forge ahead with the TPP given it was "dead in the water". "Why on earth Mr Turnbull wants to tee off his year on a trade or treaty with Donald Trump who said he won't sign it is beyond me," he said. "It is a waste of time." The Business Council of Australia  backed Mr Turnbull, while the Australian Council of Trade Unions reaffirmed its strident opposition to the TPP.  Mr Shorten sidestepped questions about how Labor would vote if TPP legislation came to the Parliament. "Mr Turnbull should be focusing on matters closer to home," he said. "Standing up for Australian jobs, encouraging more Australian apprenticeships, getting behind the metal manufacturing sector, making sure there is a plan to pick up all the dislocated and displaced car workers who are losing their jobs...
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FBI Expands Probe of Mortgage Fraud — Now Involving 19 Mortgage Companies and 1,300 Cases. Reverse Mortgages Also Under Scrutiny. Posted onApril 17, 2008   Comment Bill Cameron | January 29, 2009 at 7:14 pm | Reply https://1031netex.wordpress.com/2008/04/17/fbi-expands-probe-of-mortgage-fraud-now-covering-19-companies-and-1300-cases-reverse-mortgages-now-also-under-scrutiny/ Andrea Guice , I just saw your story on CNN and I have to say that they butchered the facts. Your situation is far worse than they reported. I have been in the mortgage industry for 20 years and the way CNN presented the numbers made no sense. In fact, the numbers they presented would make it impossible for your payment to jump like that. I have to guess here but it sounds like your “down payment” did not go towards the purchase price of the house but instead went to FEES. You stated that you have a $147K 1st mortgage and a $7k second yet the house was purchased for $147K??? Something...
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Yet another financial regulatory fail.....   Fitch puts banks on negative ratings watch, APRA ignores risks By Unconventional Economist in Australian banks at 12:34 pm on January 16, 2017 | 14 comments   Via Forex Live: http://www.macrobusiness.com.au/2017/01/fitch-puts-banks-negative-ratings-watch-apra-ignores-risks/   From the Fitch Outlook report for the Australian banking sector. ·         Fitch Ratings has revised the sector outlook on Australia’s banking sector ·         To negative from stable Change in the sector outlook reflects an increase in macroeconomic risks & pressure on profit growth: ·         Household debt is high & rising relative to disposable incomes ·         Making borrowers sensitive to changes in the labour market and interest rates Fitch’s rating outlook for Australian banks remains stable ·         However, the ongoing rise in household debt and house-price growth heightens the banking system’s sensitivities to a sharp correction if labour market conditions and interest rates were to change ·         In addition, a worse-than-expected slowdown in China’s...
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Sounds like Foreign Currency Loans never went out of existence... We should all watch the movie The Bank?   Australian Injustice, Court Jesters and Constitutional Crisis 24 October 2008  http://www.opednews.com/articles/Westpac-Letters-Exposed-Au-by-Allen-Heart-081124-310.html   Between 1982 and 1986, Australian banks sold Australian business people and farmers a faulty business product through the fraudulent marketing of unhedged Foreign Currency Loans. At least 3500 to 5000 Australian small businessmen and farmers endured massive fraud and banking malpractice breaching the Trade Practices Act.  Not only did the borrowers lose because of the falling exchange rates, the banks switched accounts at will, stripped assets, took exorbitant commissions regardless of the huge losses and on top of that applied a withholding tax they pocketed. Many honest bankers watched as many of their loyal and valued customers were destroyed by the new ethos of greed and exploitation unleashed by deregulation of the banks. Some of those bank officers have blown...
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Mr Suss Ley was the ‘head’ for what they are all up to.....Suss Ley was top of the list.....all   revealed within the article!   Federal politicians claimed more than $55m in six months: Find out how much your local MP spent By political reporter Stephanie Anderson Updated 2 Sep 2016, http://www.abc.net.au/news/2016-09-02/federal-politicians-claimed-$55m-in-expenses-in-2015-documents/7809062   Federal politicians claimed more than $55 million in expenses over the second half of 2015, new documents have revealed.   Among the latest figures on parliamentarians' entitlements published by the Finance Department was a $60,282.75 bill for "accommodation and meals" charged against former prime minister Tony Abbott between September 25 and 27 last year.   The expenses are listed as being for a trip to the United States, but Mr Abbott never got to make the journey after being removed as prime minister by his Liberal colleagues the week before.   Foreign Minister Julie Bishop claimed the largest...
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The lot of them need to be looked at for possible insider trading!   Senator O'Sullivan cuts down property, company portfolio http://www.thechronicle.com.au/news/senator-osullivan-cuts-down-property-company-portf/3132141/   TOOWOOMBA-based Nationals Senator Barry O'Sullivan has once again been named as one of Australia's richest politicians - but his large property portfolio appears to have diminished. Senator O'Sullivan topped the list of Australian public servants by property profile, with 16 properties against his name. This figure has dropped in two years, however, with The Chronicle reporting in 2014 that his total portfolio was more than 50 properties, at a value of roughly $300 million. An analysis of the senator's declared interests in September 2016 revealed he holds the properties through a number of difference entities, either as a part or full owner. His number of invested interests in companies has also dropped since 2014, with Senator O'Sullivan declaring just 15 different businesses through six different entities. This is...
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Do we have a Secrets Commissions Act??? Probe into mortgage fraud widens 6:15 PM Tuesday Oct 4, 2016   http://www.nzherald.co.nz/business/news/article.cfm?c_id=3&objectid=11722472   A probe into large-scale mortgage fraud widened yesterday, with charges laid alleging bank staff were paid hundreds of thousands of dollars in kickbacks to approve dozens of fraudulent property loans. A total of 61 charges were yesterday laid in the Auckland District Court alleging three people who all have interim name suppression, including a lawyer and a bank staff member, breached the little-used Secret Commissions Act. The charges allege that payments, ranging from $5000 to more than $30,000, were paid by and to bank staff in return for approving suspect mortgage applications. The Serious Fraud Office said total kickbacks paid exceeded $500,000 , with one accused lawyer alleged to have paid a bank staff member $253,303 over an eight-month period. Court documents said the trio, who have yet to plead...
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U.S. Quietly Drops Bombshell: Wall Street Banks Have $2 Trillion European Exposure 3 January 2017 http://wallstreetonparade.com/   By Pam Martens and Russ Martens: January 3, 2017 Just 17 days from today, Donald Trump will be sworn in as the nation’s 45th President and deliver his inaugural address. Trump is expected to announce priorities in the areas of education, infrastructure, border security, the economy and curtailing the outsourcing of jobs. But Trump’s agenda will be derailed on all fronts if the big Wall Street banks blow up again as they did in 2008, dragging the U.S. economy into the ditch and requiring another massive taxpayer bailout from a nation already deeply in debt from the last banking crisis. According to a report quietly released by the U.S. Treasury’s Office of Financial Research less than two weeks before Christmas, another financial implosion on Wall Street can’t be ruled out. The Office of Financial...
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And who might be behind it all (see below article – 26 page pdf attached ...attachment to third link ‘for the file’) From One Scam to Another: How Banks in Spain Intend to “Compensate” 1.4 Million Fleeced Homeowners By Don Quijones, Spain & Mexico, editor at WOLF STREET. 14 January 2017 http://wolfstreet.com/2017/01/14/from-one-scam-to-another-how-banks-in-spain-intend-to-compensate-1-4-million-fleeced-homeowners/ “Poisoned offers” to settle, backed by the government.Spain’s biggest banks, it seems, will never learn — not even when the highest court of the land, the European Court of Justice (ECJ), rules against their dodgy practices.  The ECJ ruled just before Christmas that Spain’s major banks would have to refund all the billions of euros they had surreptitiously overcharged borrowers as a result of the so-called “mortgage floor-clauses” that were unleashed across the whole home mortgage sector in 2009 [A Nightmare Before Christmas for Spanish Banks]. These floor clauses set a minimum interest rate, typically of between 3% and...
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He has since taken up a job with real estate giant CBRE?   Turnbull's 'outstanding' candidate in unpaid bills row 15 January 2017 http://www.theage.com.au/nsw/turnbulls-outstanding-candidate-in-unpaid-bill-row-20170114-gtrg0b.html A federal Liberal party candidate praised by Prime Minister Malcolm Turnbull as an "outstanding Australian" has been accused of not paying his election advertising bill and avoiding a local businessman chasing payment.  Former Liverpool mayor Ned Mannoun personally booked full-page ads in four local Vietnamese-language newspapers in the final week of his campaign for the south-western Sydney seat of Werriwa. But eight months later, the owner of the newspaper group, Ma Van Dung, told Fairfax Media that Mr Mannoun had not paid the $3500 owing and stopped returning his messages months ago.  "After [the] election many promises were made from him to pay," Mr Dung said. "[He] has neglected his responsibility". Mr Mannoun denies having been personally responsible for the payment and referred questions to party headquarters....
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  • organza
    organza says #
    He probably expected to get elected so he could have the taxpayer pay his bills and rort the system like the rest of them do!
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Banks begin to unwind vertical integration, but victims continue to fight 14 January 2017 Georgia Wilkins http://www.smh.com.au/business/banking-and-finance/banks-begin-to-unwind-vertical-integration-but-victims-continue-to-fight-20170104-gtm6kw.html For 10 years, Raymond Kataryna's relationship with his bank was clear. He trusted his financial planner at the Commonwealth Bank to give him advice from time to time on how to manage his money. Bank to give him advice from time to time on how to manage his money.  But the relationship began to blur in the late 2000s. This was a time when Australia's big four banks were in the midst of a massive expansion, scooping up financial planning and insurance businesses as part of a process known as vertical integration. Bank tellers began spruiking financial products that were once the preserve of qualified advisors. It was amid this spree that Mr Kataryna claimed he was given advice that cost him tens of thousands of dollars – money his family are now trying...
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Why Perth’s housing market is “smashed avocado toast” By Unconventional Economist in Australian Property     at 7:29 am on January 16, 2017 | 32 comments http://www.macrobusiness.com.au/2017/01/perths-housing-market-smashed-avocado-toast/   LF Economics has released a new report entitled “Perth Smashed Avocado Toast Report: An Illustrated Guide to the Latest Trends in the Perth Housing Market“, which argues that Perth’s housing market has entered the early stages of a long-term downturn on the back of: 1) the unexpected mining investment downturn; 2) plummeting population growth; and 3) the overall weakening state economy:   The mining construction boom proved a magnet to many, with WA experiencing the greatest population growth of all states and territories over the boom. Just as citizens and immigrants flooded into WA, the reverse is now taking place. Immigration has sharply declined and there is now a net interstate outflow… Given the economic conditions, WA will likely experience negative net population...
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Finance Minister Mathias Cormann billed taxpayers $23,000 for weekend trips to Broome AAP January 15, 2017 8:04am JUST a few days after Health Minister Sussan Ley resigned it has been revealed Finance Minister Mathias Cormann billed taxpayers more than $23,000 for weekend trips to the beach resort town of Broome with his wife over five years. Between 2010 and 2014 West Australian senator, Cormann, and his wife made five taxpayer-funded trips to Broome on weekends for electorate business. A three-day trip in July 2014 cost taxpayers $6696, including $5662 on flights. Senator Cormann also claimed $820 in travel allowance and $214 in car costs. A previous trip from Friday to Sunday at the start of July 2013 cost taxpayers $4563, and a similar trip in May 2012 cost $4831. The total cost of the five trips was $23,088. Sussan Ley resigned as Health Minister on Friday in the wake of her...
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Why do they even need to fly when all can be done via teleconferencing?  They are in the same basket as banks    Federal corruption watchdog needed, say 80 per cent of Australians: poll   14 January 2017 http://www.canberratimes.com.au/federal-politics/political-news/federal-corruption-watchdog-needed-say-80-per-cent-of-australians-poll-20170113-gtqva3.html   More than 80 per cent of Australians believe there is widespread corruption in federal politics and want a new independent watchdog to stamp it out. After another fortnight dominated by stories of political travel rorts and entitlement abuses, a new poll suggests the public is fed up. The national ReachTEL poll of 2285 people – conducted by phone on Thursday night amid ongoing public anger sparked by an expenses controversy involving Sussan Ley – asked respondents the simple question: "Do you think there is corruption in federal politics?". A whopping 85.3 per cent said "Yes", with 55.2 per cent saying there was "A lot" and a further 30.1 per cent saying...
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She racked up $210000 in charter flights since 2014 and cannot see what she has done wrong?  Minister of Bad Judgement:  Cockpit of the planes issue: however she denies she piloted them.   My reasons for charter flights along capital city routes were legitimate: Sussan Ley ·         Amy Remeikis, Adam Gartrell ·         January 13 2017 http://www.canberratimes.com.au/federal-politics/political-news/my-reasons-for-charter-flights-along-capital-city-routes-were-legitimate-sussan-ley-20170112-gtqq2w.html \Turnbull government minister Sussan Ley claims she had no choice but to take expensive charter planes along two busy capital city routes, saying last-minute diary conflicts made commercial flights impossible. Despite previously refusing to comment on the two flights - between Canberra and Melbourne in July 2014, and Canberra and Adelaide in May 2015 - Ms Ley's office now says she had legitimate reasons for the charters With her ministerial future expected to be decided as early as Friday afternoon, the commercial pilot has also now denied flying the charter planes herself despite posting pictures...
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