PropertyInvesting.com | cata | Activity https://www.propertyinvesting.com/members/cata/activity/ Activity feed for cata. Sat, 11 Apr 2026 23:19:27 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 c731d1a7649c454c065db104f0b1ce69 cata replied to the topic Setting up Property Trust Fund in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4389330-setting-up-property-trust-fund/#post-4566456 Sun, 22 Apr 2007 09:45:11 +0000 Adrian is on the ball, I use him myselfSuperior Tax SolutionsMt Elisa, MelbourneThe phone number in the above post is out dated.(03) 97878906He has been very busy and I'm not sure if he's taking on more clients. Worth a phone call tho.Oh, and I'm in Brisbane too.

]]> e70b8718c8ac90d979481c526722c612 cata replied to the topic Trusts - Changing corporate trustee in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4389214-trusts-changing-corporate-trustee/#post-4565835 Thu, 12 Apr 2007 04:10:16 +0000 raddles wrote:
The main problems with resettlements arise when the trust deed is changed is such a way that beneficiaries are changed or entitlements of those beneficiaries are changed – that normally will trigger the problems with the office of state revenue

Hi RaddlesThis would depend on the deed. Some are able to change beneficiaries with a…[Read more]

]]> 60bedbd507a068cd2766a07fa70d5574 cata replied to the topic Trusts - Changing corporate trustee in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4389214-trusts-changing-corporate-trustee/#post-4565831 Wed, 11 Apr 2007 09:34:22 +0000 This depends on the wording of the trust deed and what it allows for. Some will allow  for the changing of a trustee while others do not.  I do not see why some deeds have it any other way, but there are some that will trigger stamp duty and possibly CGT if need to be resettled. Others that will need a minute entry only. This is my prefered o…[Read more]

]]> 800f9df090d0995ccd970d3e791b1701 cata replied to the topic Possible Stupid Question in the forum General Property https://www.propertyinvesting.com/topic/4389125-possible-stupid-question/#post-4565320 Thu, 05 Apr 2007 21:10:46 +0000 The only stupid question is the one NOT asked.Never be afraid to ask, the worst you can get is a NO.

]]> a2ae6134048bc23c63bd581addeff809 cata replied to the topic why in a trust name? in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4389146-why-in-a-trust-name/#post-4565437 Thu, 05 Apr 2007 21:05:55 +0000 I don't believe the formemtioned trust to be any more flexable than a number of other structures, especially since the laws changed. The book being sold has outdated views and to my knowledge has not been updated.Just my opinion.I'm not a fan of this trust for a number of reasons, others disagree so do your own due dilligence on everything.

]]> 21ee47b516643bd906a4771e68b701a5 cata replied to the topic Question on purchasing as trust in the forum Qlds007 wrote:A badly worded https://www.propertyinvesting.com/topic/4389153-question-on-purchasing-as-trust/#post-4565468 Thu, 05 Apr 2007 05:42:44 +0000 Qlds007 wrote:
A badly worded Trust Deed will have you in deep water.

Exactly Richard. It's something that is easily overlooked unless you understand what you are reading.

]]> 46844f809dcf4d34063c1a0e51cbc18c cata replied to the topic CGT and Divorce in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4389085-cgt-and-divorce/#post-4565165 Wed, 04 Apr 2007 05:25:13 +0000 That could potentially have tax issues after a seperation eg. who pays if the you have the title in the lower income earner's name. Is the high income earner liable for the tax if the title isn't in their name? I would think not. So the low income earner gets slugged with all or most of the tax billwhile still having to split the profit.It also…[Read more]

]]> 2ee551138dbdeaf9a4e905a76fb6f5fb cata replied to the topic CGT and Divorce in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4389085-cgt-and-divorce/#post-4565163 Sun, 01 Apr 2007 05:48:42 +0000 Thanks Terry but the Assets are not being transfered between spouces, but sold

]]> c7cabb118c90df43baac8af250f92663 cata replied to the topic Trust ~ Income distribution in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4388820-trust-income-distribution/#post-4563947 Fri, 30 Mar 2007 05:42:34 +0000 No Richard I put those there on purpose……apparentlyHope all is well with you mate.Back on topic though, I believe the best way for distributing funds is through a trust IMOP

]]> eb0e176249d4d75ed251e4951d642107 cata replied to the topic CGT and Divorce in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4389085-cgt-and-divorce/#post-4565161 Fri, 30 Mar 2007 05:37:08 +0000 Thats what I found out today. It needs to be a family court order.Oh well……

]]> c711b7750e5f4ac67f41ae99b621c18d cata replied to the topic Trust ~ Income distribution in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4388820-trust-income-distribution/#post-4563945 Thu, 29 Mar 2007 04:46:06 +0000 Gee RichardDo you really need to put your details twice?More chance of people reading it I suppose……

]]> 8545ad3ecf299e747c3e2bbaac3ba254 cata replied to the topic Trusts that continue beyond 80 years in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4389075-trusts-that-continue-beyond-80-years/#post-4565108 Thu, 29 Mar 2007 04:43:08 +0000 If the trust deed has the provision, it should be able to be resettled. After which the 80 yrs starts again.But the laws in regards to this will no doubt change before then, so I would check again closed to the date.

]]> f7cdd11fc03e3cc3cd73ef950b4c74e0 cata replied to the topic Destiny Financial Solutions in the forum Finance https://www.propertyinvesting.com/topic/4388857-destiny-financial-solutions-3/#post-4564130 Wed, 14 Mar 2007 06:03:23 +0000 I went to see thema few years ago now, and was told that 1 IP per year can not be done.

I proved them WAY wrong.

CATA
Asset Protection Specialist
colin_wardle@hotmail.com

]]> b1e6e45f976b35d4a5c5007c8d8c7dc5 cata replied to the topic What's rich?? in the forum Opinionated! https://www.propertyinvesting.com/topic/4388823-whats-rich/#post-4563957 Mon, 12 Mar 2007 09:37:43 +0000 Exactly Simon, but I would take it one step further.

Wealth gives you choice, but being rich is a state of mind.

Being involved in a rather messy divorce with kids involved I can say that I now feel richer than I have in years. It is my choice what and where I put my money and it will always benefit myself and my 2 girls.

My point is that even…[Read more]

]]> 868d13dcec054b2b07f0d73274a0e41f cata replied to the topic From personal name to trust name..HELP!!! in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4388559-from-personal-name-to-trust-name-help/#post-4562863 Tue, 27 Feb 2007 22:40:23 +0000 Spot on Terry

Registered mortgages get paid first in the case of bankruptcy.

CATA
Asset Protection Specialist
colin_wardle@hotmail.com

]]> 381b1ec8dd39d4c716981fa92b723b99 cata replied to the topic changing the appointer of a trust in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4387654-changing-the-appointer-of-a-trust/#post-4558599 Tue, 02 Jan 2007 23:17:24 +0000 Terry is on the money. There are so many differently worded deeds out there. You will ned to read and understand the deed you have before that question can be answered.

I have read some that allow the appointer to resign and be replaced.

CATA
Asset Protection Specialist
colin_wardle@hotmail.com

]]> da428e9c20977858d794b54fadb0f7a3 cata replied to the topic Hybid Trusts in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4387338-hybid-trusts/#post-4557083 Fri, 10 Nov 2006 08:00:35 +0000 My understanding was that the IP is already purchased or at least contract signed.

CATA
Asset Protection Specialist
colin_wardle@hotmail.com

]]> ac17a108b88099f6d9631abfae2c02cc cata replied to the topic Hybid Trusts in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4387338-hybid-trusts/#post-4557076 Wed, 08 Nov 2006 06:25:15 +0000 Hi Andrew

Terry is on the money IMOP.
Structuring should be done prior to purchasing. This makes things easier. It may be better to keep this IP as is and structurefor your nextone.

CATA
Asset Protection Specialist
colin_wardle@hotmail.com

]]> 3aab32a3da006146ab27a2cfa8bc1f81 cata replied to the topic forming a company to minimise tax in the forum General Property https://www.propertyinvesting.com/topic/4387159-forming-a-company-to-minimise-tax/#post-4556341 Wed, 08 Nov 2006 06:18:58 +0000 Hiya Richard

What posts?
I haven’t looked at this site in about 4 weeks. I was supprised how many posts there are. [lmao]

CATA
Asset Protection Specialist
colin_wardle@hotmail.com

]]> 392de1eb05e3430907fe6c3145446b7e cata replied to the topic primary beneficiaries in a discretionary trust in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4387213-primary-beneficiaries-in-a-discretionary-trust/#post-4556529 Tue, 07 Nov 2006 06:53:37 +0000 It really depends on how the trust deed is worded. You will need to ask this question to the people who are setting up the trust for you. They will be able to give you the best answer for the trust you are purchasing.

CATA
Asset Protection Specialist
colin_wardle@hotmail.com

]]> dab07e45c80d32453bf3cb074955a1c2 cata replied to the topic forming a company to minimise tax in the forum General Property https://www.propertyinvesting.com/topic/4387159-forming-a-company-to-minimise-tax/#post-4556339 Tue, 07 Nov 2006 06:44:17 +0000 All good advice here and I need to add nothing, but as I have not posted here for a while I just wanted to.

CATA
Asset Protection Specialist
colin_wardle@hotmail.com

]]> 8a12499bf3f8c0f6213685d71ac7dfc0 cata replied to the topic Hervey Bay in the forum No Subject https://www.propertyinvesting.com/topic/4387081-hervey-bay-3/#post-4555977 Sat, 14 Oct 2006 22:00:57 +0000 I have not been there for a while, but believe it to be difficult to rent anything in Hervey Bay due to the fact that people are retiring there. This would lead me to believe that most people moving that way would be selling where they are and purchasing somewhere to live in Hervey Bay.

In short, moer owner’s than renters.
Just my thaughts tho.…[Read more]

]]> cb66411d1fe2ebdfe9cbd901781bd717 cata replied to the topic Activity Poll in the forum Forum Frolic https://www.propertyinvesting.com/topic/4387078-activity-poll/#post-4555957 Sat, 14 Oct 2006 03:29:09 +0000 I am currently in talks to halve my portfolio exactly, but she wants more than her fair share considering that it comes from my hard work.
[jerry]

Divorce is great, isn’t it…..

CATA
Asset Protection Specialist
colin_wardle@hotmail.com

]]> 1d22f87d6c0817d1a6f4379cc9c4d690 cata replied to the topic Sources of Trust info? in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4386635-sources-of-trust-info/#post-4553852 Fri, 13 Oct 2006 06:38:30 +0000 Exactly Property WA.

CATA
Asset Protection Specialist
colin_wardle@hotmail.com

]]> bcde64edf690d49d8f1317e9e22d29fa cata replied to the topic Sources of Trust info? in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4386635-sources-of-trust-info/#post-4553850 Tue, 10 Oct 2006 06:52:23 +0000 I believe that Ed Chan’s book has been outdated by new laws….

CATA
Asset Protection Specialist
colin_wardle@hotmail.com

]]> 4ac898b1198771fd174f9311762d87fa cata replied to the topic Selling property to a family trust in the forum No Subject https://www.propertyinvesting.com/topic/4386765-selling-property-to-a-family-trust/page/2/#post-4554468 Tue, 10 Oct 2006 06:49:51 +0000 Exactly Richard

The stamp duty goes to The “Office of STATE Revenue”.

CATA
Asset Protection Specialist
colin_wardle@hotmail.com

]]> 19135d6d02c5804e8c1c622f6370f9ee cata replied to the topic Trusts Advice in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4386900-trusts-advice/#post-4555214 Thu, 28 Sep 2006 22:11:33 +0000 The short answer would be no, not much will protect you from marrage (currently finding out the hard way[wacko]) There is not much the family law courts can not access in the case of a marrage breakdown. They do however take into account the assets you come to the relationship with and the assets you build together.

Hope this helps

CATA
Asset…[Read more]

]]> b98779065c363ee17074a07dda28d401 cata replied to the topic Selling property to a family trust in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4386765-selling-property-to-a-family-trust/#post-4554460 Thu, 28 Sep 2006 22:06:40 +0000 Stamp duty goes to the Office of State Revenue which varies from state to state.

CATA
Asset Protection Specialist
colin-wardle@hotmail.com

]]> cf2d8372521cabb113b1351cf668ed80 cata replied to the topic Impending Doom in the forum Heads Up! https://www.propertyinvesting.com/topic/4386769-impending-doom/#post-4554480 Fri, 22 Sep 2006 21:46:21 +0000 Thanks for the online support guys and gals.
I have good days and bad days, but am looking forward to a brighter future.

CATA
Asset Protection Specialist
wardlecata@primusonline.com.au

]]> 96b0d3608dca934acb25740ab161063b cata replied to the topic Selling property to a family trust in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4386765-selling-property-to-a-family-trust/#post-4554452 Tue, 19 Sep 2006 06:21:05 +0000 You are basiclly selling the property to the trust and will encur all relevant costs.

CATA
Asset Protection Specialist
wardlecata@primusonline.com.au

]]> a061ecf53aa81006f5604a0fe44265bd cata replied to the topic Trust, company or yourself? in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4386702-trust-company-or-yourself/#post-4554168 Thu, 07 Sep 2006 06:47:40 +0000 Originally posted by joshadelsa:

There is a company that I have dealt with in NSW called Chan & Naylor who have developed a Trust designed specifically for the purpose of holding property called the ‘Property Investor Trust’. I believe it similar to a unit trust and actually allows you to take certain losses out of a trust which is one of the…[Read more]

]]> 1e9efcb8bf25e970ced18c657bd384f5 cata replied to the topic Trust, company or yourself? in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4386702-trust-company-or-yourself/#post-4554165 Thu, 07 Sep 2006 04:52:32 +0000 Originally posted by doublek:
how difficuilt is it to get a trust?

if you are investing in your 1st IP and plan to invest more in the future is everything you invest in go under the first trust fund you open or do you need more than one eg: 1 trust for each property, or does your whole IP portfolio go into the 1 trust

thanx

Every stratagie has…[Read more]

]]> 2587477a029a6e74bf3b5bfedbd65570 cata replied to the topic Opening a fish and Chips store ! in the forum Forum Frolic https://www.propertyinvesting.com/topic/4386603-opening-a-fish-and-chips-store/#post-4553664 Mon, 04 Sep 2006 06:16:09 +0000 In my opinion, you will need to define your Unique Selling Position (USP). In other words, why should I go to get fish and chips from you instead of down the road?

This USP should have NOTHING to do with price points. Not that pricing is not important, but what is so special about your store, and use it in your marketing.

CATA
Asset Protection…[Read more]

]]> 0c2bdbe4cafccab2c2ace80095b5fe06 cata replied to the topic Sources of Trust info? in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4386635-sources-of-trust-info/#post-4553839 Wed, 30 Aug 2006 18:56:21 +0000 Bulletproof Asset Protetion – Ed Burton
Trust Magic – Dale GG

Depends on what you want to do. There is plenty of info on this site if you do a search also.

CATA
Asset Protection Specialist
wardlecata@primusonline.com.au

]]> f7f01772cb59f4e8bb2fc040119badf5 cata replied to the topic A simple trust question... I think in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4386611-a-simple-trust-question-i-think/#post-4553707 Wed, 30 Aug 2006 05:23:44 +0000 A bonus for Queensland investors as entities are not grouped (yet anyway) for land tax purposes.

CATA
Asset Protection Specialist
wardlecata@primusonline.com.au

]]> 95bd3b73777c0c70ae19cfaf70fcc8f8 cata replied to the topic A simple trust question... I think in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4386611-a-simple-trust-question-i-think/#post-4553704 Tue, 29 Aug 2006 06:02:06 +0000 Originally posted by mcdeyess:
Hi all,

I have been looking into how trusts work so I have some idea of what is going on when I meet with my accountant next month. Many thanks to Cata and TerryW in particular for their previous posts, these have been most helpful in getting some understanding of discretionary and Hybrid trusts.

NO PROBLEMS,…[Read more]

]]> 00da062c343dcce0fc5f173f873923d5 cata replied to the topic Trust Setup in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4386583-trust-setup/#post-4553560 Sun, 27 Aug 2006 03:35:18 +0000 Banks and the ATO have no issues with trusts as long as they are used within the law.

As for the Proterty Investors Trust- try the search function and remember that the laws have changed since Ed Chan wrote that book.

CATA
Asset Protection Specialist
wardlecata@primusonline.com.au

]]> b9a4ac4c5e162233d96307c4e6f84f44 cata replied to the topic HELP Capital Gains Tax in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4386555-help-capital-gains-tax/#post-4553384 Fri, 25 Aug 2006 06:50:26 +0000 Originally posted by elkam:

When I asked how can you avoid paying CGT they said that as a non resident you can accumulate losses and use these to offset CGs.

This can be done as a resident. When using a discretionary trust losses are stuck in the trust untill the trust makes a profit eg CG or in your own name with a amendment.

I am no…[Read more]

]]> a3c0093250f35a21199b6683d2ad6c8d cata replied to the topic HELP Capital Gains Tax in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4386555-help-capital-gains-tax/#post-4553382 Thu, 24 Aug 2006 05:26:29 +0000 If you are investing in Australia, and living in Aus, be very careful with the use of offshore structures. The ATO frowns on this and if you get audited, well good luck.

The only reason for the use of offshore structures is for tax avoidence.

CATA
Asset Protection Specialist
wardlecata@primusonline.com.au

]]> 7d7f2c6bbc2f87619f83b01ca08f876f cata replied to the topic HELP Capital Gains Tax in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4386555-help-capital-gains-tax/#post-4553380 Wed, 23 Aug 2006 18:52:23 +0000 I believe that a SMSF can invest in units from a hybrid trust and the rest of the money comming from yourself.

However I am not lisenced in this area, so do your own research.

CATA
Asset Protection Specialist
wardlecata@primusonline.com.au

]]> a2f257afd5214773b889d63e37e87433 cata replied to the topic HELP Capital Gains Tax in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4386555-help-capital-gains-tax/#post-4553369 Wed, 23 Aug 2006 10:19:31 +0000 Let me see if I can clear this up for you.

If you purchase and sell an investment property within a twelve month time frame, you will have to pay tax on the total capital gain at your marginal tax rate.

In other words, if you earn $50k from earned income (job) and then you make another $50k from capital gain, your total taxable income is $100k…[Read more]

]]> 984fb1caeb4609927536385a4171b4ce cata replied to the topic One firm - account + financial planner = conflict? in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4386519-one-firm-account-financial-planner-conflict/#post-4553218 Mon, 21 Aug 2006 06:31:17 +0000 Agree Terry.
Some accountants are good with trusts, as are some Discover Home Loans mortgage brokers (you can pay me for that plug later Terry, lol)

I find that I have solicitors and accountants calling me for my opinion.

The two profesions from the same firmis not a bad idea.They should be working together instead of conflicting advice, in…[Read more]

]]> 952a329b5f586b61e36bfad352119815 cata replied to the topic I bought my first Home. in the forum Help Needed! https://www.propertyinvesting.com/topic/4386524-i-bought-my-first-home/#post-4553250 Mon, 21 Aug 2006 06:24:14 +0000 The only problem with an IO loan is that if you are going to live there (which you are) the loan will need to be P&I untill you move out. Then you incur refinancing costs.

Could you paint, cheap reno on the kitchen/ bathroom?

CATA
Asset Protection Specialist
wardlecata@primusonline.com.au

]]> a897a8a1d6f932995169b72fca048df2 cata replied to the topic tax question in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4386410-tax-question-3/#post-4552620 Mon, 21 Aug 2006 06:20:26 +0000 Or you could gift/loan the money to a trust and the trust purchases the property.

Could you restructure the business to be more tax effictive?
What are you dealing in?

CATA
Asset Protection Specialist
wardlecata@primusonline.com.au

]]> c81e12d59a36885c21ddcb39f3c6501f cata replied to the topic Silly Questions in the forum Finance https://www.propertyinvesting.com/topic/4386520-silly-questions/#post-4553224 Mon, 21 Aug 2006 06:16:49 +0000 Originally posted by DraconisV:
I’ve got confusion here aswell.

Does this mean that my old loan is now 150,000 and my new one 300,000.

That is my understanding of it, you borrow against your existing equity to use as a deposit on another IP.

Remember, the only silly question is the one not asked.

CATA
Asset Protection…[Read more]

]]> 6f752e81b3a777977db32ae060f1d57f cata replied to the topic Scams ahoy. in the forum Heads Up! https://www.propertyinvesting.com/topic/4386501-scams-ahoy/#post-4553048 Sun, 20 Aug 2006 19:04:31 +0000 Originally posted by Derek:
HI Cata,

You are a fool.

Do you realise that y posting this email here you have given up a possible US$825K windfall and potentially diluted the returns to US$22K/head (and falling) distributed equally amongst those who read this thread.

At this rate the scam will be worthless ………………………ooops – I…[Read more]

]]> 6f2f5d8a347ff7a94155371dcbb44de7 cata replied to the topic Scams ahoy. in the forum Heads Up! https://www.propertyinvesting.com/topic/4386501-scams-ahoy/#post-4553043 Sat, 19 Aug 2006 21:09:54 +0000 Hi Elka

I think they try to get all your bank details and then empty your accounts. I still can’t believe that people fall for it.

CATA
Asset Protection Specialist
wardlecata@primusonline.com.au

]]> 08db35ece58d14620259b1bf01bb1205 cata replied to the topic Trust Funds To Super????? in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4386487-trust-funds-to-super/#post-4552997 Fri, 18 Aug 2006 06:41:22 +0000 Hi Len

I have to agree with Richard.
You know, some of these mortgage brokers are smarter than they appear. What happened to you at the get together Richard?

CATA
Asset Protection Specialist
wardlecata@primusonline.com.au

]]> e00d38d3979045b2d25cd226a98a6b2c cata replied to the topic I am being Sued in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4386479-i-am-being-sued/#post-4552955 Thu, 17 Aug 2006 06:03:54 +0000 Keep your cool George.
It sounds like the litigant is trying to make you sweat. The best thing you can do now is wait for your legal advice.

As much as everyone here is willing to help, and there is some qualified people here, no one here has the knowledge of your case except your legal team.

It souns to me like you have done nothing wrong…[Read more]

]]> b62ef00a36f68e3fb18365a25607b0fa cata replied to the topic Want to set up Discretionary Trust in the forum No Subject https://www.propertyinvesting.com/topic/4386452-want-to-set-up-discretionary-trust/#post-4552848 Wed, 16 Aug 2006 19:09:15 +0000 Tha Addition or removal of beneficiaries to a trust and how it is done will depend on the wording of the trust deed.

In most cases it will cause resettlement, a rather costly exercise. Other deeds allow this with a simple minute entry, which I can supply a template to my clients. Quick and easy and much more flexible this way.

Keep in mind the…[Read more]

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