PropertyInvesting.com | Bonbeach | Activity https://www.propertyinvesting.com/members/bonbeach/activity/ Activity feed for Bonbeach. Mon, 06 Apr 2026 03:46:08 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 a41a8c596cca9d48cd411d0d862509ea Bonbeach replied to the topic Auction houses in and around Melbourne in the forum bit of a drive??? https://www.propertyinvesting.com/topic/4390837-auction-houses-in-and-around-melbourne/#post-4574325 Wed, 19 Sep 2007 23:52:13 +0000 bit of a drive??? hahaCheltenham is 15 20km from the CBD???? lolclassic :P

]]> 13232045ab7e040c2f7cc6cc2279d0d1 Bonbeach replied to the topic Construction loan delays in the forum Finance https://www.propertyinvesting.com/topic/4390331-construction-loan-delays/#post-4571330 Tue, 18 Sep 2007 05:31:38 +0000 I hate RAMS. Enough said :) Have a nice day.

]]> b3611ca3a289ff4707b681a20b82fb43 Bonbeach replied to the topic Melbourne suburbs with bad reputation in the forum No Subject https://www.propertyinvesting.com/topic/4380237-melbourne-suburbs-with-bad-reputation/page/2/#post-4516138 Wed, 19 Jul 2006 08:22:13 +0000 I have lived in Melbourne for nearly 2 years now. I grew up in Perth, and then moved to Sydney for a year then here to Melbourne.

I love Melbourne, so for anyone to badmouth it you will upset me :)

First thing I learnt about Melbourne was Frankston. Bad area. -or is it? Cominf from Perth, I knew of many worse areas and as for Sydney, you can pay 4…[Read more]

]]> 4e95c9d36c99fdb52a8eaa2784927a65 Bonbeach replied to the topic Mornington Peninsula - Melbourne in the forum General Property https://www.propertyinvesting.com/topic/4385863-mornington-peninsula-melbourne/#post-4550250 Wed, 19 Jul 2006 07:57:43 +0000 I agree, Eastlink is going to change everything from Chelsea to Mornington.

I have a property in Bonbeach and have just bought one in Seaford. Both 300m from the beach, both have decent houses on them, both on dual occ size blocks. Bonbeach was bought in 2005 for 255k and Seaford in 2006 for 235k.

These areas HAVE to increase in value when…[Read more]

]]> c57106e81dc7743b99515eec8fb499f5 Bonbeach replied to the topic Burns Beach Estate - WA in the forum Value Adding https://www.propertyinvesting.com/topic/4380894-burns-beach-estate-wa/#post-4520928 Mon, 26 Sep 2005 08:24:10 +0000 A friend of mine grabbed one of these, 3 blocks back from the beach around 660m2 and paid $555 000 with settlement expected around Feb 2006.

My parents have a house in Mindarie 850m2 with 180 degree ocean views, 2 storey (awesome place) they paid $180k for this block in 2000…

Who knows….

If I had a spare 550k to chuck into a block I would,…[Read more]

]]> 6a82e8dabe0018ce82f9d22ad5929fa7 Bonbeach replied to the topic accountant in the forum Help Needed! https://www.propertyinvesting.com/topic/4381784-accountant-11/#post-4526888 Mon, 22 Aug 2005 10:26:59 +0000 Mark Harris from Accounting West in Bunbury. Not sure if he owns properties or not, I guess thats a question for you to ask!

If you want an accountant that DOES own properties, I use an accountant in Perth, PM me for his details if you want someone outside Bunbury.

I am in Melbourne, and agree with others that they do not have to be in your home…[Read more]

]]> 92d0c8ae9456ce6e4e5a001f441db071 Bonbeach replied to the topic 95% Lo- Docs in the forum Finance https://www.propertyinvesting.com/topic/4381711-95-lo-docs-2/#post-4526391 Fri, 19 Aug 2005 03:13:00 +0000 Thanks guys for that, much better understanding now.

Dev* [kid]

]]> ece0566a1cf7c3c7d44a75537499ff30 Bonbeach replied to the topic 95% Lo- Docs in the forum Finance https://www.propertyinvesting.com/topic/4381711-95-lo-docs-2/#post-4526388 Thu, 18 Aug 2005 09:43:43 +0000 4 properties will value at around 900k plus, but to be safe lets go on 900…(total)

Intention is to prove figures in 12-36 months time and either change loan products from that lender to another (hence my question about early pmt penalties) or stick with them on a reasonable rate… -preferably the standard variable rate

]]> 6e0df327b1ebee867f97dba6e1781983 Bonbeach replied to the topic 95% Lo- Docs in the forum Finance https://www.propertyinvesting.com/topic/4381711-95-lo-docs-2/#post-4526386 Thu, 18 Aug 2005 09:29:35 +0000 Sorry for the 10,000 questions…

Would the lender ‘Pioneer’ be one of those that reduces the IR to a standard variable rate after,say, 3 years with full financials?

If not, are there any significant penalties for early repayment of this sort of product?

One more… How difficult is it to get a lo-doc approved with a LMI company when you are…[Read more]

]]> 94d93717bc8fb9a4982accc4fd1e94ba Bonbeach replied to the topic 95% Lo- Docs in the forum Finance https://www.propertyinvesting.com/topic/4381711-95-lo-docs-2/#post-4526384 Wed, 17 Aug 2005 22:05:54 +0000 Might just work if I can go up to $1 mil… nice

Will keep it in mind, thanks!

Is there anyone else doing this or is this the best deal for this sort of thing at the moment…?

If they saw my last 2 years tax returns would that help (maybe slightly lower IR?)

I have just left me job you see and no longer have the PAYG income. My income will…[Read more]

]]> 34c25b4194018fcd860ac190fc5ad5be Bonbeach replied to the topic 95% Lo- Docs in the forum Finance https://www.propertyinvesting.com/topic/4381711-95-lo-docs-2/#post-4526382 Wed, 17 Aug 2005 12:50:16 +0000 I guess I didnt put much thought into what I actually expected it to be, just asking out of interest (so to speak). I am going through one of those mid life crises that you have (at 25 mind you) where I am looking at many possibilities. :)

Is there a maximum loan amount for this loan? (some lo docs used to be under 500k or under $1 mil)

Who is the…[Read more]

]]> 10e239999e335bd7be13ab0629c19b6c Bonbeach replied to the topic Do you know of BDM material? in the forum Help Needed! https://www.propertyinvesting.com/topic/4381719-do-you-know-of-bdm-material/#post-4526500 Wed, 17 Aug 2005 12:31:38 +0000 Sounds exactly what I am looking for, but I am in Victoria! Happy to discuss options though if you guys are looking to move into the Melb area [laugh2]

Dev* [kid]

]]> 88c1027879989ffc313102d0dfe57421 Bonbeach replied to the topic Investor wanted for franchise... where to find? in the forum Finance https://www.propertyinvesting.com/topic/4381710-investor-wanted-for-franchise-where-to-find/#post-4526376 Wed, 17 Aug 2005 10:31:20 +0000 Richard

Thanks for your reply. When I say ‘active’ in the business, I mean this person wouldnt have to participate in the day to day activities. This sort of person may have another career and wants to simply ‘invest’ his or her money. This person would be regularly (weekly or monthly) be informed on the progress of the business and have the…[Read more]

]]> 7cba3c5eda0e0b22dd2908252795abef Bonbeach replied to the topic is there a section for development opportunities in the forum No Subject https://www.propertyinvesting.com/topic/4381449-is-there-a-section-for-development-opportunities/#post-4524443 Wed, 17 Aug 2005 02:38:23 +0000 There is a ‘rule’ of the website that you cannot advertise any opportunities you (or someone else) has available -so I you can just use the forums for information… There is a development section which may help, however.

Dev* [kid]

]]> 75c707fa316c8de54d26af0bd6735c85 Bonbeach replied to the topic 95% Lo- Docs in the forum Finance https://www.propertyinvesting.com/topic/4381711-95-lo-docs-2/#post-4526378 Wed, 17 Aug 2005 02:22:25 +0000 8.99% hrmmm

I guess its risky for them… interesting though…

]]> 345a7c31ae2a348be8eb621815a077f9 Bonbeach replied to the topic Investor wanted for franchise... where to find? in the forum Finance https://www.propertyinvesting.com/topic/4381710-investor-wanted-for-franchise-where-to-find/#post-4526374 Wed, 17 Aug 2005 02:19:19 +0000 With the franchise I am intending on purchasing, I can borrow up to 60% from a Bank (which is what I intend on doing)… Having funds tied up elsewhere at the moment prevents me from getting the other 40% myself, which is the reason for the search for a private investor. Sorry, I should have clarified this in my original post. [laugh2]

Dev* [kid]

]]> 68220cd47880b834e6d3c667ac5a2335 Bonbeach replied to the topic Investor wanted for franchise... where to find? in the forum Finance https://www.propertyinvesting.com/topic/4381710-investor-wanted-for-franchise-where-to-find/#post-4526368 Tue, 16 Aug 2005 12:00:40 +0000 ….and to clarify, the investor would have no part in the day-to-day operation of the business and the contract would state the period of time in which (I) would pay back the initial debt. There is however, a possibility that there MAY be an agreement in place where the investor DOES have a part in the daily operations, in which case one party…[Read more]

]]> 7bace78ab30b89d8a363880aa46ec521 Bonbeach replied to the topic Investor wanted for franchise... where to find? in the forum Finance https://www.propertyinvesting.com/topic/4381710-investor-wanted-for-franchise-where-to-find/#post-4526367 Tue, 16 Aug 2005 11:53:45 +0000 Jacob

Thanks for your reply.

Whats in it for the investor? This investor (as a partner in the business) would obviously be taking some of the risk involved with the business and therefore the rewards. Given that the franchise is internationally recognised, and with a solid, detailed and accurate business plan, I would expect that this could be…[Read more]

]]> 536a8333bab7e557ee18acfff80364ab Bonbeach replied to the topic Richmond is a DADDY!! in the forum No Subject https://www.propertyinvesting.com/topic/4381511-richmond-is-a-daddy/#post-4525165 Fri, 05 Aug 2005 00:34:27 +0000 congratulations mate! [grad]

]]> e4f83f7bb58d000ab9210eb590b051c5 Bonbeach replied to the topic What type of vehicle do you have ?? in the forum Opinionated! https://www.propertyinvesting.com/topic/4381491-what-type-of-vehicle-do-you-have/#post-4524658 Thu, 04 Aug 2005 11:51:54 +0000 Devil Yellow CV8 Monaro, Manual.

AND I love it [laugh2]

(hence Devilcv8 as my username)

Dev * [kid]

]]> 27db952bcf94d07f2b8d0130b105be8a Bonbeach replied to the topic No sense getting old if.. in the forum No Subject https://www.propertyinvesting.com/topic/4381488-no-sense-getting-old-if/#post-4524629 Thu, 04 Aug 2005 05:03:43 +0000 hahaha i love that one

I will keep that one in mind for 20 years time when im an old man (45) [laugh2]

]]> a192df269b28b79f3227ba63d464cdcc Bonbeach replied to the topic Wembley Apartment Market - WA in the forum No Subject https://www.propertyinvesting.com/topic/4381463-wembley-apartment-market-wa/#post-4524518 Thu, 04 Aug 2005 05:00:01 +0000 Thats good news for property owners in the area as new developments usually come with higher prices in these near city areas, and we may see a ‘Subi Centro’ type of thing happen to the area where an old ‘semi-tired’ area is revitalised.

It may also wake up property owners in the area and there may be more renovations etc…

Just a thought….

Dev* [kid]

]]> cc7bc457a483220e059cc619a8350c39 Bonbeach replied to the topic Whats Steve's next book going to be? in the forum General Property https://www.propertyinvesting.com/topic/4381497-whats-steves-next-book-going-to-be/#post-4525102 Thu, 04 Aug 2005 04:56:37 +0000 Steve has recently posted a topic getting everyone to give their ‘one tip’. Maybe it will be a book of ‘tips?’

I wouldnt be at all surprised if there was another book underway or at least on the horizon…[grad]

Either way, ill buy it. More knowledge never hurt anyone.

Dev* [kid]

]]> 5429f1addda37904edb67443ed341140 Bonbeach replied to the topic renovating in the forum Help Needed! https://www.propertyinvesting.com/topic/4381458-renovating-4/#post-4524498 Thu, 04 Aug 2005 04:51:34 +0000 Im testing my memory now, but I think there is a good place in Mt Lawley for this sort of stuff its along the train line, it may even be Ross’s auctions….

I am renovating at the moment in VIC, and have found the trading post the best way to find things. I bought a whole kitchen (10yrs old) and stove (3 years old) for $300!

I also found a 12…[Read more]

]]> 38f80e2178d4045be3eb82ae256bf213 Bonbeach replied to the topic Young Investors in the forum No Subject https://www.propertyinvesting.com/topic/4379914-young-investors/page/2/#post-4513573 Tue, 02 Aug 2005 23:51:44 +0000 Ross, I see youre in VIC, is anyone else interested in maybe a few of us catching up to discuss property some time? Would be good to have a ‘young investors group’….

???

]]> 4558c53654bd31dcba9c46cdba692f77 Bonbeach replied to the topic Wembley Apartment Market - WA in the forum General Property https://www.propertyinvesting.com/topic/4381463-wembley-apartment-market-wa/#post-4524516 Tue, 02 Aug 2005 23:47:19 +0000 ECU closing down? Whats happening there?

What will happen with the old site??? ANything been proposed yet?

]]> dd5732bdda731814b36a184a4d478161 Bonbeach replied to the topic 21 year old investor in the forum Help Needed! https://www.propertyinvesting.com/topic/4381468-21-year-old-investor/#post-4524558 Tue, 02 Aug 2005 23:45:28 +0000 Congratulations on your first place :)

I bought my first place at 21, im 25 now and have four…

Feel free to PM me if you have any questions, happy to help if I can! [gossip][gossip]

Dev * [kid]

]]> 65cbe18b4ece08028f25f4d058b344da Bonbeach replied to the topic HELP ME GET A TENANT PLEASE!!! in the forum No Subject https://www.propertyinvesting.com/topic/4381466-help-me-get-a-tenant-please/#post-4524540 Tue, 02 Aug 2005 23:39:39 +0000 The rent is probably still too high. Drop it to something more realistic. Some property managers have no more experience than you do, so sometimes you have to manage them to make sure the job is done properly.

Also, I find that ringing the property manager every day to ask what they are doing to secure a tenant is a good idea. Remember THEY are…[Read more]

]]> ba96ea6c07292cb5ead1c209fffae1a2 Bonbeach replied to the topic Some Notes on Real Estate in Japan in the forum No Subject https://www.propertyinvesting.com/topic/4381418-some-notes-on-real-estate-in-japan/#post-4524284 Mon, 01 Aug 2005 02:30:23 +0000 Hi Terry

Sounds like an interesting place…

Would you be able to post some photos of typical properties over there? (I dont know if you can even do that on here…)

Death Tax?????

Hows the weather? Snow?

Dev* [kid]

]]> 5f6571f14d9b96ed65df086b8f46ffb4 Bonbeach replied to the topic Rental risks in small towns in the forum Help Needed! https://www.propertyinvesting.com/topic/4381397-rental-risks-in-small-towns/#post-4524172 Mon, 01 Aug 2005 02:21:25 +0000 samgliksman

As long as you are comfortable with what you are spending, and the rental market for that area is stable or shows signs of improving (due to improved infrastructure, new developments etc) then go for it. I have a property in a small town in tassie that I paid $79k for. It rents for $120pw and the tenants are happy to stay (they have…[Read more]

]]> 47ad34112e85a6ff346c96bb73642a94 Bonbeach replied to the topic Depreciator in the forum Help Needed! https://www.propertyinvesting.com/topic/4381354-depreciator/#post-4523961 Mon, 01 Aug 2005 01:46:37 +0000 also, Scott from Depreciator is a property investor himself so at least you are dealing with a like-minded person!

]]> 3e3b09c247d978d72024a2e82aff3b8a Bonbeach replied to the topic Depreciator in the forum Help Needed! https://www.propertyinvesting.com/topic/4381354-depreciator/#post-4523960 Mon, 01 Aug 2005 01:45:26 +0000 billyray

I would recommend Depreciator, they do an awesome job, I have used them for two of my properties now and I am very impressed with..

– price
– quatlity of the report
– service quality
– quick response to questions
– great customer service & follow up

It seems that many others on the forums have used them and are impressed so I guess…[Read more]

]]> 5ee93afbb9994ba85884aebc57cfc8c3 Bonbeach replied to the topic Young Investors in the forum No Subject https://www.propertyinvesting.com/topic/4379914-young-investors/page/2/#post-4513570 Wed, 27 Jul 2005 06:47:19 +0000 Nice work, and good on you emcdonald!

Dev * [kid]

]]> 76229c0d271acd6688aec957a9b873c0 Bonbeach replied to the topic Awesome Free Download... read here... in the forum Heads Up! https://www.propertyinvesting.com/topic/4381193-awesome-free-download-read-here/#post-4522966 Wed, 27 Jul 2005 03:32:12 +0000 hahaha

]]> f0ca2b884562a52892379625f2e854a9 Bonbeach replied to the topic Tasmania in the forum Help Needed! https://www.propertyinvesting.com/topic/4381324-tasmania-6/#post-4523793 Wed, 27 Jul 2005 03:30:28 +0000 Eric

Its in Queenstown.

Dev * [kid]

]]> 5d5437be31ae7f1589ef1fbc860cc8db Bonbeach replied to the topic A great article on Kiyosaki in the forum Heads Up! https://www.propertyinvesting.com/topic/4381323-a-great-article-on-kiyosaki/#post-4523785 Wed, 27 Jul 2005 03:28:52 +0000 Interesting…

What do you have to say about this, Steve?

Dev* [kid]

]]> 0a537b1c43d41c88f6e13ef67ef691f0 Bonbeach replied to the topic Young Investors in the forum General Property https://www.propertyinvesting.com/topic/4379914-young-investors/page/2/#post-4513568 Wed, 27 Jul 2005 03:15:57 +0000 SymboL

Dont buy a car!!
Besides, driving on parramatta road isnt going to improve no matter how good your car is!

Trust me, im 25 and am driving my 10th car. If I had spent the money I have lost on cars, on property, I would have 5 more properties…

If you have money in the bank, (or not) speak to a good mortgage broker (PM me for details) and…[Read more]

]]> 9043f4ee05b706ec07347293a8e4090f Bonbeach replied to the topic Carpet Replacement - What to choose? in the forum Help Needed! https://www.propertyinvesting.com/topic/4381255-carpet-replacement-what-to-choose/#post-4523325 Wed, 27 Jul 2005 02:42:05 +0000 Wylie

I am looking for new carpet for my Melb property, what was the name of this company that treated you this way? I like to support people (like you) that get poor service from big companies that should know better…

If anyone got a good deal, or knows the name of a good carpet retailer please also let me know, I will be doing the whole…[Read more]

]]> f5270477854b6a92dbd8f65e38223daa Bonbeach replied to the topic Tasmania in the forum Help Needed! https://www.propertyinvesting.com/topic/4381324-tasmania-6/#post-4523791 Wed, 27 Jul 2005 02:31:46 +0000 I use Picket Fences for my tassie property, they are a great little company with personal service. They are in Burnie. That may solve your management problem…?

As for the rest, my accountant knows property but he is in Perth (I live in Melbourne) if you want his details let me know. . .

Dev * [kid]

]]> 3557a58c5705d6eea44ebdb14eb92b75 Bonbeach replied to the topic *Help* Career change wanted - property industy... in the forum No Subject https://www.propertyinvesting.com/topic/4381135-help-career-change-wanted-property-industy/#post-4522627 Mon, 18 Jul 2005 13:54:03 +0000 Thanks guys, still looking.

Not after a standard RE sales position… I want a good salary with all the shizzy that goes with it :-) Im in no hurry, will keep my eyes open…

Dev * [kid]

]]> aaeef149f13fd1df63817bf3cb682670 Bonbeach replied to the topic Awesome Free Download... read here... in the forum Heads Up! https://www.propertyinvesting.com/topic/4381193-awesome-free-download-read-here/#post-4522960 Sun, 17 Jul 2005 12:02:18 +0000 Pretty scary isnt it… supposedly the images are no more than 3-4 years old, but I guess this depends on the area, my parents suburb still shows their house as one of the first in a new estate, and now the area is fully developed so the images are at least 3 years old in that area.

If this is available to the public now, who knows what the…[Read more]

]]> 1bf62407d6cb86589a059ee0f0bf3d86 Bonbeach replied to the topic Crazy Idea....Your help needed in the forum Help Needed! https://www.propertyinvesting.com/topic/4381194-crazy-idea-your-help-needed/#post-4522968 Sun, 17 Jul 2005 08:39:27 +0000 15 k… hrmmm you might be up for a challenge, you might have to sell your body [gorgeous] (several times)

*oops did i say that out loud?*

hehe

Dev * [kid]

]]> 7d5f4d6cd8bc4827758c6eb471e4b6ea Bonbeach replied to the topic Need advice in the forum Help Needed! https://www.propertyinvesting.com/topic/4381122-need-advice-6/#post-4522507 Wed, 13 Jul 2005 22:02:04 +0000 Keep the perth properties, you may regret it if you sell them! Dont believe everything you read, both the CF camp and the Cap Gains camp have good points that will help you with your decision, as long as it fits in with your long term goals go for whatever you feel comfortable with!

I use my Perth Accountant he is awesome, if you want his details…[Read more]

]]> 08c0bc518f255a5093f811b6c9420ecb Bonbeach replied to the topic *Help* Career change wanted - property industy... in the forum General Property https://www.propertyinvesting.com/topic/4381135-help-career-change-wanted-property-industy/#post-4522622 Wed, 13 Jul 2005 21:54:42 +0000 Good point, I dont think the salary offered by a r/e company will come close to what I am looking for though… good suggestion, thanks for the reply :-)

Need to keep my high(ish) salary to keep borrowing to invest.

Dev * [kid]

]]> 2ebbc3b85618536f05a49ac5b6658400 Bonbeach replied to the topic Anyone willing to share their success story? in the forum No Subject https://www.propertyinvesting.com/topic/4381146-anyone-willing-to-share-their-success-story/#post-4522659 Wed, 13 Jul 2005 09:27:25 +0000 also look under ‘too personal’ in Developing made easy…

[kid]

]]> 5503d8febc4416f8a976659751a6ecd2 Bonbeach replied to the topic Cameron Bird in the forum Opinionated! https://www.propertyinvesting.com/topic/4381009-cameron-bird-2/#post-4521763 Wed, 13 Jul 2005 09:25:07 +0000 Scott

Would you buy off Cameron Bird again?

Dev * [kid]

]]> f791c6c1edc5840dc92d5b8145b786c3 Bonbeach replied to the topic “Is now a good time to buy, sell or hold?” in the forum Help Needed! https://www.propertyinvesting.com/topic/4381085-aeoeis-now-a-good-time-to-buy-sell-or-holdae%c2%9d/#post-4522281 Wed, 13 Jul 2005 09:12:54 +0000 yes

lol

love it! [laugh2]

Dev * [kid]

]]> ea8bc235a679ddcfd20c73a3e74249f2 Bonbeach replied to the topic Investing while renting: Good or BAD? in the forum No Subject https://www.propertyinvesting.com/topic/4380897-investing-while-renting-good-or-bad/page/2/#post-4520962 Wed, 13 Jul 2005 08:52:21 +0000 I rent, and own properties. I prefer to use as much of my cash as possible for investing so I can fast track my investing and buy more property. Even better, I share with other people and actually pay no rent at all… :P

Depends on your personal situation, I am looking long term, and never thought of renting, but it has proven to have helped me…[Read more]

]]> 18091824aca3c52125586f7eb5852da0 Bonbeach replied to the topic The public holiday phone call in the forum General Property https://www.propertyinvesting.com/topic/4380774-the-public-holiday-phone-call/#post-4520140 Wed, 13 Jul 2005 08:48:48 +0000 $150 is a fair price for a plumber- especially on a public holiday, I doubt he made ‘a killing’ [tongue2]

Oh and you did well to get 16 years out of your old HWS too! [grad]

Good story, guess its just a reminder to people to act quickly and tenants love it. Now the tenant should be spreading the good word about you to all the neighbours :)

Also a…[Read more]

]]> eb136f7040923dce07be8237a11a1a99 Bonbeach replied to the topic Young Investors in the forum General Property https://www.propertyinvesting.com/topic/4379914-young-investors/page/2/#post-4513566 Wed, 13 Jul 2005 08:40:11 +0000 Originally posted by caston:
I’m 24 and I don’t own any properties yet. I’m self-employed (but less than someone on min wage would earn) and I live with my parents. At the moment I’m just saving as much as I can.

Got my eyes on the stock market, property trusts, full time jobs, cf+ properties etc.

Just a suggestion, I had my own business for 4…[Read more]

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