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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
17-048MR ASIC commences civil penalty proceedings against Westpac for breaching home-loan responsible lending laws ASIC has today commenced civil penalty proceedings in the Federal Court against Westpac Banking Corporation (Westpac) for a number of contraventions of the responsible lending provisions of National Consumer Credit Protection Act 2009 (Cth) (the National Credit Act). ASIC alleges that in the period between December 2011 and March 2015 Westpac failed to properly assess whether borrowers could meet their repayment obligations before entering into home loan contracts. Specifically, ASIC alleges that Westpac: used a benchmark instead of the actual expenses declared by borrowers in assessing their ability to repay the loan approved loans where a proper assessment of a borrower's ability to repay the loan would have shown a monthly deficit for home loans with an interest-only period, Westpac failed to have regard to the higher repayments at the end of the interest-only period when assessing the borrowers'...
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    Denise says #
    The Devils at ASIC have just announced today that they intend to to take civil (not criminal) action against WESTPAC for selling
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Multinational tax dodgers are the real leaners The ConversationFeb. 28, 2017 12.34pm Michael West   Nowhere is the impotence of politicians and regulators more costly than in their failure to stand up to multinational corporations dodging tax. The Tax Office now publishes an annual list of Australia’s 1,900 largest companies, which shows their revenue, profit and tax expense. Only 600 of the entities on this list actually pay income tax at the statutory rate of 30% (bear in mind, these include trusts such as Sydney Airport whose members incur the tax liability). More than 600 of the entities on the list pay no tax at all. That’s zero tax on A$330 billion worth of income: these are Australia’s real leaners, not our lifters. The list is a good thing; transparency is a good thing. Yet there are serious deficiencies with this ATO data. The key cause of these deficiencies is the...
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Big bank credit ratings under threat from rising property prices, household debt Australian Financial Review Feb 28 2017 7:49 PM Jonathan Shapiro   Australia's banks could have their stand-alone credit ratings cut by Standard & Poor's if household debt outpaces economic growth by 5 percentage points or if house price growth outpaces the inflation rate by more than 4 percentage points. In a stark warning by the credit rating agency, which already has the major banks' AA- credit ratings on a negative outlook, it said that economic risk was on the rise in Australia, which may force it to downgrade Australia's banks. The move would not result in an automatic downgrade of the AA-rating as the banks benefit from the so-called "too big to fail" support afforded them by the government, which is rated AAA. The nation's AAA credit rating was, however, placed on negative outlook in July 2016 and should...
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Deloitte clears CommInsure of culture problems Australian Financial Review Feb 28 2017 8:40 PM James Eyers, Alice Uribe   Commonwealth Bank of Australia has been cleared of "systemic" problems in its life insurance business CommInsure, with a report by Deloitte finding it did not have a culture of deliberately avoiding or delaying claims to its customers. The report was commissioned by CommInsure in response to accusations it had delayed payments to terminally ill customers, pressured doctors to change medical opinions and relied on out-of-date definitions of medical conditions such as heart attacks to avoid claims. The Deloitte report, which reviewed more than 800 declined claims, "did not identify any systemic issues relating to historically declined claims". Just nine customers have had benefits paid or increased as a result of the review, about 1 per cent of those examined, while a further 11 cases are being reassessed. Deloitte said it could find...
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From special purpose vehicles that sell stolen and damaged goods off the back of truck aided and abetted by to the special purpose accountants ASIC is too devious to touch Bankers! How Goldman Sachs and Australia’s biggest brewer SAB pay no tax February 28, 2017   http://www.michaelwest.com.au/how-goldman-sachs-and-australias-biggest-brewer-sab-pay-no-tax/   Nowhere is the impotence of politicians and regulators more costly than in their failure to stand up to multinational corporations dodging tax. The poachers are not merely in charge of the game park, they are running amok. The Tax Office now publishes an annual list of Australia’s 1,900 largest companies which shows their revenue, profit and tax expense. Only 600 of the entities on this list actually pay income tax at the statutory rate of 30 per cent (bear in mind, these include trusts such as Sydney Airport whose members incur the tax liability). More than 600 of the entities on the list...
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Committee hearings helped avoid royal commission Australian Financial Review Oct 6 2016 10:33 PM Phillip Coorey   Westpac chief executive Brian Hartzer has suggested this week's grilling of bank bosses by a parliamentary committee was established to help the government ward off calls for a royal commission. Mr Hartzer told the House Economics Committee on Thursday that when he met Scott Morrison and Malcolm Turnbull in April, Labor's demands for a royal commission were raised. "I mean (in) the course of the conversation it would have been noted that there was a proposal to have a royal commission and the government has instigated this set of meetings," he said. . Labor's Matt Thistlethwaite asked: "As an alternative?" Mr Hartzer replied: "That would be one way to characterise it, I don't remember it being put that way." He said he urged that banks would rather "take action now" then endure a commission. Hearings reports 'nonsense'...
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Forget the banks – health insurance makes them look like amateurs Sydney Morning Herald FEB. 27 2017 - 2:31PM Michael Pascoe   More Australian than hot summers and bagging cricket selectors is the habit of criticising the Big Four banks' "outrageous" profits. Forget the banks, they're relative amateurs. If you want outrage, check out the private health insurance rip-off as demonstrated by NIB and Medibank. Little NIB was one of this reporting season's star turns, the market applauding the 65 per cent surge in its first-half net profit to $71 million, and its chief executive afforded a lap of honour in the AFR, where he called for his industry to return to the good old days before Whitlam introduced Medicare, when 70 per cent of the population bought health insurance instead of the present 46-point-something per cent. That's the private health insurance industry that is one of Australian capitalism's more galling...
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Welcome to Malcolm’s elitist world and grand plan in which the rest of us voters SLAVE AWAY on Struggle Street with under-employment and half jobs!  Young people out of work and homeless.  Welcome to Bankland – home of the Banksters!!!!   Company profits surge to record highs as worker wages go backwards Sydney Morning Herald FEB. 27 2017 - 5:45PM Eryk Bagshaw   Company profits have surged to record highs at the same time wages suffered their sharpest decline in eight years, new figures show, as the Turnbull government prepares to argue the case on Tuesday for a $50 billion company tax cut. The three months to December 2016 saw a 20 per cent jump in profits, while wages fell 0.5 per cent - the largest decline since mid-2009, according to the Australian Bureau of Statistics Wage Price Index. Over the course of 2016, company profits rose 26 per cent. On...
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When will somebody realise privatisation and outsourcing should be outlawed?   Slater and Gordon stays in business at the mercy of its lenders By business reporter Sue Lannin Posted about 3 hours ago http://www.abc.net.au/news/2017-02-27/slater-and-gordon-operating-at-the-mercy-of-its-lenders/8306088 Troubled law firm Slater and Gordon has admitted it is effectively broke and operating at the mercy of its lenders. The company's latest financial accounts for the six months to the end of December, 2106 reveal its debts exceed its total assets by $126 million and its cash flow is negative to the tune of $11.4 million.   The indebted company made a net loss of $425 million dollars for the six months to the end of December, after it wrote down the value of its UK business by a further $350 million and revenue slumped by a third, mainly in the UK. The firm said it also saw underperformance in both Australia and the UK in...
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If Turnbull has not yet resigned he must still have a few chores to fulfil on his hidden agenda!    Surely not for banks!   One Nation threatens Coalition unity by tearing into Nationals heartland Analysis By political editor Chris Uhlmann Updated about 6 hours agoMon 27 Feb 2017, 8:17am   http://www.abc.net.au/news/2017-02-27/coalition-unity-threatened-by-nationals-fear-of-one-nation/8304864   Malcolm Turnbull's party woes go well beyond Tony Abbott's unholy war.   Because, with One Nation biting deep into National Party heartland, there's a risk the federal Coalition will be torn apart. In a fight for their lives, some MPs might decide they can't battle an anti-establishment insurgency if they are the establishment.   A rational conclusion might be that only way to convince angry voters that you are on their side is to lay siege to the Government. Or leave it.   Mr Abbott's latest intervention will only embolden Nationals who already fear the conservative base is...
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Corporate tax reform stalls while government axes welfare February 26, 2017 http://www.michaelwest.com.au/corporate-tax-reform-stalled-while-government-axes-welfare/   As the government takes the long-handle to penalty rates, family benefits and climate-change funding – while dangling a $50 billion package of tax cuts in the direction of its big business party donors – it is worth bearing in mind that a third of Australia’s biggest companies pay zero tax. Another third pay virtually zero tax, a feeble fraction of their profits. Meanwhile, corporate tax reform has stalled. In the wake of the 2015 Senate hearings on multinational tax avoidance, the government introduced new legislation. One amendment, yet to be acted upon, requires multinationals to file proper financial statements, or “General Purpose” financial statements, so they can’t as breezily conceal dubious tax deals thanks to skimpy disclosure.   A second amendment is a simple transparency measure. For two years straight, the Tax Office has required large companies to...
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Something in this article that sums up what people think of the Libs   The Turnbull Government has only one policy — to punish the poor and advance the affluent, writes managing editor Dave Donovan. 27 February 2017 Dave Donvovan https://independentaustralia.net/politics/politics-display/protecting-the-powerful-and-increasing-inequality,10062 THE TURNBULL GOVERNMENT has been in power for near 18 months. It appears to have only one agenda: to punish the underprivileged and impoverished, increase inequality, and pump up and promote the prosperous and powerful. And so, last week, we saw a decision that cuts the penalty rates for hospitality, retail and fast food employees — some of Australia’s lowest paid workers. This decision, of course, was not made directly by the Government, but by its supposedly “independent” Fair Work Commission. But it was a move energetically lobbied for by just about every Coalition MP since Turnbull took over the country in September 2015. The Commission knows which side its...
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You have got to wonder who is on the Board at JP Morgan Chase and Citibank!  Probably the Mafia!   What JPMorgan and Citigroup Have in Common When it Comes to Crime By Pam Martens and Russ Martens: February 23, 2017 http://wallstreetonparade.com/2017/02/what-jpmorgan-and-citigroup-have-in-common-when-it-comes-to-crime/ On September 8, 2016, the Consumer Financial Protection Bureau (CFPB) fined Wells Fargo $185 million following an investigation that found that its employees had engaged in a widespread practice of “secretly opening unauthorized deposit and credit card accounts” in order to meet sales quotas or qualify for bonuses. An estimated 2 million accounts were involved. One month later, the Chairman and CEO of Wells Fargo, John Stumpf, was gone. Consider that swift action to acknowledge and punish egregious abuse of clients with how the Boards of Directors of JPMorgan Chase and Citigroup have responded to criminal felony charges and seemingly endless regulatory fines for abusing clients’ trust. The Boards...
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Hang on to your hats!  The used car salesmen in disguise as bank CEO’s are   up to new tricks!   Is that Desperation Hanging Over Europe’s Banking System? by Don Quijones • Feb 25, 2017    http://wolfstreet.com/2017/02/25/desperation-over-europe-banking-system-senior-non-preferred-bonds/ Turns out, Italy’s banking crisis is not fixed. By Don Quijones, Spain & Mexico, editor at WOLF STREET. 25 February 2017 Many of Europe’s and America’s biggest banks have begun begging, cap in hand, for a new, innovative way of raising vast sums of dirt-cheap debt on Europe’s financial markets. The Association for Financial Markets in Europe (AFMA), an organization that prides itself on serving as “the voice of Europe’s wholesale financial markets,” just sent a strongly worded letter to the European Central Bank, urging for the prompt creation of EU-wide regulation allowing banks to sell a newfangled class of bail-in-able debt called “senior non-preferred bonds.” “A swift agreement is essential to enable...
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Banking sector face new wave of reforms The Australian 12:00am February 25, 2017 Richard Gluyas   The Turnbull government is preparing a second wave of financial sector reforms, including consideration of a framework to make senior executives individually accountable for serious lapses in governance and conduct. The package — which could see executive bonuses frozen when scandals occur inside banks — will require legislative backing and could be released in April, and will be presented as a knockout blow for the Labor Party’s electorally popular call for a banking royal commission. “The government wants to bundle all these things up,” a source told The Weekend Australian. “The intention is to send a clear signal that all the issues have been dealt with and there’s no need for a royal commission to determine what the issues are.” As part of the first wave of ­finance sector reforms, announced in response to the...
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Re disclosure and codes of conduct and the 457 VISA rort...blame Tony Abbott and liberal backers.  Abbott is the KING of Watering down laws put in place by Labor to protect the people and the economy.   Four stories in this email...banking code of practice...ministers can keep shares...tax disclosure rules wound back...457 VISA rort     Banks that have adopted versions of the Code of Banking Practice http://www.bankers.asn.au/Industry-Standards/ABAs-Code-of-Banking-Practice/Banks-that-have-adopted-versions-of-the-Code-of-Banking-Practice Dates of adoption Bank Code of Banking Practice 2013 Modified Code of Banking Practice 2004 Revised Code of Banking Practice 2003 Code of Banking Practice 1993* Adelaide Bank Limited (a division of Bendigo and Adelaide Bank as of 1 December 2008) 1 February 2014 4 April 2005 12 August 2003 AMP Bank Limited 1 February 2014 10 December 2010     Arab Bank Australia Limited         Australia and New Zealand Banking Group 1 February 2014 16 August 2004 15 August...
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Domain on sale as Fairfax topples like the Twelve Apostles February 21, 2017   http://www.michaelwest.com.au/domain-on-sale-as-fairfax-topples-like-the-twelve-apostles/   It is a vile and scurrilous accusation that during Greg Hywood’s time as chairman of Tourism Victoria, the Twelve Apostles became Eight. The last of the iconic limestone stacks to collapse was in 2005, just before Greg arrived. It is a damn good gag though and fits well the narrative of a chief executive who, in his next job, presided over the demise of Australia’s greatest newspaper mastheads. These, the Sydney Morning Herald, The Age and Australian Financial Review are but a shadow of their former selves and today’s foreshadowing of a spin-off of Fairfax Media’s Domain business will merely expedite the decline. Like the Twelve Apostles, the Fairfax asset base is shrinking. It should be said, in Greg Hywood’s favour, that newspapers were in serious structural decline during his stewardship, globally, and he simply...
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APRA fiddles on bank risk while Rome burns By Unconventional Economist in Australian banks at 2:14 pm on February 22, 2017 | 16 comments Cross-posted from The Conversation: http://www.macrobusiness.com.au/2017/02/apra-fiddles-bank-risk-rome-burns/   Australian Prudential Regulation Authority (APRA) chairman Wayne Byers has made it clear the bank regulator will be cracking down on bank capital levels this year. Bank capital reserves are a loss-absorber, designed to protect creditors if banks suffer significant losses. That protection, in turn, will – ostensibly – prevent panicked withdrawals by depositors, thereby preventing financial contagion and financial crises.   Byers has decided that Australian banks’ capital levels must be “unquestionably strong” in keeping with the findings of the Financial System Inquiry. But how much capital equals “unquestionably strong”? We don’t know. What we do know is that the inquiry handed down that finding in November 2014. More than two years have passed and only now is APRA getting a...
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RBA boss Philip Lowe sets the agenda by airing Australia's economic dirty laundry Analysis By business reporter Carrington Clarke Updated yesterday at 7:24pmThu 23 Feb 2017, 7:24pm   http://www.abc.net.au/news/2017-02-23/rba-boss-philip-lowe-airs-australias-economic-dirty-laundry/8298364   "If you don't like how the table is set, turn over the table" — Frank Underwood, House of Cards.   The Reserve Bank governor is either venting out of frustration or is a master of strategy. Yesterday, he aired Australia's economic dirty laundry. He was appearing before former Canadian prime minister Stephen Harper, but his real audience were those warming the seats in Canberra. Philip Lowe knew he was due to be grilled by the house committee for economics on Friday. With his commentary, he has ensured he's set the agenda. The RBA has never been this explicit: people have taken on mountains of debt to ride the property boom and it's now a risk to the economy. Many others have...
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Claim George Brandis was involved in Bell Group matter earlier than he says 7.30 By Andrew Probyn Updated about an hour agoFri 24 Feb 2017, 7:42am http://www.abc.net.au/news/2017-02-23/claim-brandis-involved-in-bell-group-matter-earlier-than-he-says/8297792   Attorney-General George Brandis was personally involved in the Bell Group matter one month earlier than he claims he was, the ABC has been told. If the claim is true, Senator Brandis may have misled Parliament over the issue.   7.30 has been told Senator Brandis spoke to West Australian Attorney-General Michael Mischin about the case in early February last year — a full month before Senator Brandis said he first became personally involved. Senator Brandis said he could not recall the conversation. "I have no recollection or record of any telephone conversation with Mr Mischin on or about 1 February 2016," Senator Brandis told 7.30 in a statement. But 7.30 has been told Senator Brandis informed Mr Mischin he had had a briefing...
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Splendid! Let’s lock an entire generation of Australians out of the property market 23 February 2017 http://www.michaelwest.com.au/lets-lock-an-entire-generation-of-australians-out-of-the-property-market-yes-minister/   As the government dithers over money laundering policy, policy which would keep a lid on Chinese buyers whipping up a frenzy in city property – and as baby boomers and politicians revel in their suite of superannuation tax lurks and holiday homes – an entire generation of young Australians remains locked out of the real estate market. We rang up the government yesterday to find out how its long-awaited money-laundering legislation was coming along. This is a biannual affair: a call to the relevant minister, a call to the relevant department and a call to money laundering agency Austrac to ask why the Anti-Money Laundering and Counter-Terrorism Financing legislation, which was supposed to have been introduced nine years ago, had still not been enacted. House prices surge on China black money; authorities dither...
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Jail for these parasites in white collar crime and rightly so!      Former IMF Chief, Dozens of Former Bank Execs Just Got Sentenced to Jail by Don Quijones • Feb 23, 2017 • 0 Comments   But will they actually warm a bench in a Spanish prison? http://wolfstreet.com/2017/02/23/former-imf-chief-dozens-of-former-bank-execs-just-got-sentenced-to-jail/ By Don Quijones, Spain & Mexico, editor at WOLF STREET. The unimaginable just happened in Spain: two former bank CEOs, Miguel Blesa (CEO of Caja Madrid) and Rodrigo Rato (CEO of Bankia) were just awarded prison sentences of six years and four-and-a-half years, respectively, for misappropriation of company funds. Rato was also Managing Director of the IMF from 2003 to 2007. He was succeeded by another luminary, Dominique Strauss Kahn. Now, the question on everyone’s mind is will Blesa and Rato actually serve the sentence (more on that later). Dozens more former Caja Madrid senior executives, most of whom are closely connected...
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Desperate developers dangle insane commissions   By Tim Fuller in Australian Property, MB fund at 11:18 am on February 24, 2017 | 39 comments http://www.macrobusiness.com.au/2017/02/desperate-developers-dangle-insane-commissions/   An interesting article out yesterday revealed the largesse local developers are now showering on brokers and real estate “advisers” to help move unsold stock from upcoming off the plan apartment developments: Commission payments of up to 15 per cent, free tickets to Adele concerts and luxury holidays to Greece are on offer to mortgage brokers and financial advisers to recommend, sell and advertise property or consider mortgage products.   That means up to $90,000 for selling a $600,000 apartment, can be pocketed by the adviser, rebated to the buyer, or split between the adviser and client. Taylor Dow, director of Taylor Dow Property Group, which last year sold $2 billion of Australian property to buyers in seven countries, including China and the US, said commissions...
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Property money launderers have no better friend than Oz government By Unconventional Economist in Australian Property   at 12:12 am on February 24, 2017 | 20 comments By Leith van Onselen http://www.macrobusiness.com.au/2017/02/property-money-launderers-no-better-friend-federal-government/   For several years, this site has lobbied the federal government to extend Australia’s anti-money laundering (AML) regime, which currently only extends to financial institutions, to real estate gatekeepers including realtors, lawyers and accountants. These “second tranche” of AML rules have been in limbo since the federal government first promised to bring them into the regulatory net in 2003, and were recently deferred indefinitely by the Turnbull Government. This came despite explicit criticism from the global regulator, the Paris-based Financial Action Taskforce, that Australian homes are a haven for laundered funds, particularly from China, as well as similar warnings from Austrac. The end result is that realtors, lawyers, accountants and other real estate gate keepers are currently exempted from...
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Bill shock for landlords as land tax skyrockets 24 February 2017 Simon Johanson http://www.theage.com.au/business/property/bill-shock-for-landlords-as-land-tax-skyrockets-20170224-gukiya.html   Landlords have been hit by steep land tax increases from soaring property values, in some cases more than doubling tax bills and making investments uneconomic. Many landlords, property owners and lessors, confronted with sharp increases in land tax bills this month, were reacting with "shock or disbelief", agents and lawyers said. Landlords have been hit by steep land tax increases from soaring property values, in some cases more than doubling tax bills and making investments uneconomic. Many landlords, property owners and lessors, confronted with sharp increases in land tax bills this month, were reacting with "shock or disbelief", agents and lawyers said. Landlords have been hit by steep land tax increases from soaring property values, in some cases more than doubling tax bills and making investments uneconomic. Many landlords, property owners and lessors, confronted with sharp...
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