Money Matters Now

Almost everyone has some credit card debt. Unfortunately, too many people are overwhelmed by it. This is a burden that always seems to be with us, no matter how hard we try to overcome it.

We are not born with it. But we catch it, and we can’t seem to shake it loose. In this sense, it is like a disease. A financial sickness with very few remedies. Sure, there are medicines for it. Just keep making your minimum payments and the keep the collectors off your back.

Like most medicines, this attacks the symptoms, but does not provide a cure for the disease itself. It will stay with you, eating away at your financial health. With this disease however, it possibly may not die with you. The credit card companies may attempt to collect from your heirs or your estate when you pass on.

Eliminating the disease itself is the only debt cure. Like any illness, you also will want to take the proper steps to ensure that the disease does not come back. Cut it away, and keep it away, before it manifests into other health threatening effects, like stress.

It can be very confusing to attempt to understand all of the options to rid yourself of this disease. Choosing the best plan of action is a personal decision based on what you believe, what you can afford, and how much time you want to allow yourself for relieving yourself of the burden.

Can you just eliminate the debt? Surgically cut it out of your life and be done with it. If a person is willing to keep an open mind and become a bit educated, the answer is “Yes”.

A true debt elimination program will allow someone to legally discharge 100% of their non-secured credit card debt. A person can take advantage of this program just once. So once you are cured, it is up to you to be sure the disease does not return.

The eliminated accounts can no longer be used. The ultimate goal is to learn how to live without credit cards altogether. Conventional wisdom tells us that we cannot live in today’s society without credit cards. This is just not true.

An elimination program is not a quick fix. A good program will have you debt-free in 6 – 12 months, and will also include an education on the credit card system, so that it is understood just how and why an elimination program can work.

Student loans, medical bills, and any secured loans are not applicable to be eliminated. Only major credit cards, signature loans, and unsecured lines-of-credit are applicable. For these types of debts, a true elimination program may be the financial re-start people are looking for.

By: Jim Vrana

About the Author:

Consumers seeking debt assistance are faced with a bewildering assortment of debt companies, services, programs, books, ebooks, and websites. How to tell the scams from the legitimate options? The purpose of this article is to help consumers easily spot and steer clear of one particular scam that is growing through network or multi-level marketing schemes. It goes under different names, such as debt elimination, debt termination, or debt reduction. Such names can certainly apply to legitimate programs as well, and the scammers purposely name their bogus programs with the intention of deceiving consumers and stealing them away from legitimate companies. For the purpose of this article, I’ll refer to it as the debt elimination scam, but be aware that it may be called something different.

So how can you tell this scam from legitimate debt elimination techniques? It’s pretty easy, actually. The scam is based on the bogus “no money lent” argument, where the claim is made that credit card banks cannot loan money legally. Through strange leaps of logic, the scammers claim that credit card banks are actually operating illegally, and so you never really borrowed any money when you used your credit cards! Therefore, you don’t really need to pay anything back. You just have to follow their system and the debts will go away because the banks don’t want this knowledge disclosed to the public!

I realize this may sound ridiculous at first glance, but the con artists are very convincing, and there are dozens of websites promoting this dangerous scam. They refer to publications by the Federal Reserve Board, the Uniform Commercial Code, the Truth in Lending Act, and other public laws to bolster their claims and give an aura of legitimacy to their “program.” I’ve talked with numerous consumers who have been conned out of $2,500, $5,000, even up to $15,000 because they believed the hype that these snake-oil salesmen were peddling. If you’re $30,000, $50,000, or $100,000 deep in credit card debt, it can be very tempting to believe in a magic pill. What if you could pay someone 15% of the debt and make the rest of the debt disappear?

As tempting as the promoters make it sound, the debt elimination techniques they are using simply do not work. About the only thing they accomplish is getting you sued by your creditors. As you might expect, creditors **** this scam, and they come down hard on people trying to use this bogus “no money lent” system. You don’t need to take my word for this. Check out the complaints on ripoffreport.com about Liberty Resources, a debt elimination scam that was shut down in Ohio. Or do some research on New Leaf Associates out of Florida, a scam that was shut down by the Florida Attorney General after consumers were ripped off for millions of dollars. I’ve personally talked to people who were caught up in both of these scams, as well as others who were involved in scams that have not yet been shut down.

I also sometimes receive calls or emails from people promoting this system. Because I am easy to reach and I’m a well-known debt expert, they seem compelled to convince me of the worth and merit of their system. Often, the people contacting me are ignorant of the nature of the scam. That’s because this program is frequently sold through MLM or network marketing systems, and a lot of the people involved simply don’t know any better. I respond by making a simple request, and any “true believers” in this system who happen to read this article can take this as a challenge. All I ask is for a single verifiable court case where a judge agreed with the “no money lent” argument and ruled in favor of the debtor. It’s really that simple. After asking this question for several years, I’m still waiting. No such case exists, despite false claims to the contrary. The response is usually that the company must protect the clients’ privacy, but they have “hundreds of success stories” and have dismissed “millions of dollars” of debt.

Nonsense! The only way this system could possibly work is if a judge ruled on it in court. And since court cases are public record by definition, privacy cannot be an issue here. The “client” gave up any right to privacy when he or she tried to convince a judge that the 50 grand they owed on their credit cards was really just “funny money.” And yet the con artists cannot provide a single solitary case in support of their outrageous claims. (Note to scammers: Don’t waste my time emailing me with your threats or your legal mumbo-jumbo. I’ve heard it all before. Just send me the civil docket number for a single case where your “client” won in court using this system, and identify the court venue so I can look up the case myself online. Simple enough, right? I won’t hold my breath though.) In fact, the “no money lent” argument has been shot down in court on multiple occasions. When confronted with this embarrassing fact, the scammers simply reply that the courts are part of a “conspiracy” to keep this information from the public!

The absence of any verifiable documentation is the red flag that tells you this scheme simply doesn’t work. But let me take this a step farther. Let’s set aside for a moment the whole question of the legal basis for the “no money lent” argument. Let’s take a huge silly leap for a moment and say that the system is valid from a legal perspective. Well, it’s STILL not going to work for the average consumer! Why? Two reasons. First, it requires a fight in court, and the average consumer wants to go to court over debt-related matters about as much as they want to have multiple root-canals without anesthetic.

Second, nothing gets resolved this way. I’ve worked with thousands of people struggling with serious debt problems. I talk to people in this situation every day. I can’t think of a single instance where the person’s priority was anything other than to GET THE MATTER RESOLVED PERMANENTLY. The techniques used by the debt elimination scammers do not achieve any resolution at all. Even if the debtor successfully gets a creditor to back off from its collection effort, all that will happen is the creditor will sell the account to a debt purchasing company, who will then try to collect all over again. So the whole process will have to be repeated, over and over again as the debt gets sold multiple times down the line. There is no resolution here. Just a bag of useless tricks. Boil it all down and here is what the debt elimination scammers are telling you: Walk away from your debts, don’t pay, and duck and cover. That’s it. It’s a lot of hot air and bogus nonsense, and it only exists because debt-weary consumers are desperate for solutions.

If you have become the victim of a debt elimination scam, I urge you to take action. Demand a refund in writing. Complain to the Better Business Bureau where the company is located (assuming you can even find them), complain to your state Attorney General and the Federal Trade Commission. And then get on the phone with your creditors and explain that you were misled and that you would like to work things out in good faith. It may be necessary for you to formally retract any documentation that the scammers sent to your creditors. Consumers may also feel free to email the author for further advice or information on this subject.

By: Charles Phelan

About the Author:

Business

Determined not to give up when the going gets tough then you are ready to be the next Successful Home Base Business Entrepreneur and I congratulate you in advance. Starting a home base business is just the beginning and with this new opportunity you can do as many have done over the years. But it is still just a template. The magic will be from you, just as with ALL home businesses.

Online

Own an internet based online application in a multi-trillion dollar industry. Even the least internet savvy person can start an online home based business even if all they know how to do is retrieve and send email. Making money online can be a great idea for stay at home moms.

Internet

The internet offers the easiest, least expensive way to start a home based business ever. The Internet has opened a window of opportunity for business ventures that were once impossible to build in a home office environment. Well one negative aspect of the internet is that it has eliminated the middle men (Small Business & Entrepreneurs) Consumers can do business from the comfort of their homes with the big corpora. The Internet makes your business global. It could also be argued that the internet has hurt business as productive.

Site

If you are not sure where to begin, Then Great, because you already have by coming to this site. Setting up a website, promoting the website by advertising and directing traffic to your website. My job is to promote my website and recommend products to my visitors. Do you want to spend most of your time building and designing web sites. Or do you much prefer to spend your time attracting targeted traffic to your web sites. A rank of 400, for instance, means that only 399 sites get more traffic.

Determined not to give up when the going gets tough then you are ready to be the next Successful Home Base Business Entrepreneur and remember, massive action brings massive results….

By: Robert Flowers

About the Author:

Believe it or not the government is here to help when it comes to debt relief. Government debt help is available to mainly businesses and corporations but the government does offer debt consolidation loans if you want to go that route. But it is a loan which means you will have to pay it back.

Federal government debt help recommends consumer credit counseling services which helps you to consolidate your bills and make a monthly plan to pay your bills off in a timely manner. They will help you by calling your creditors on your behalf to negotiate a reasonable repayment plan. The counseling part is for your benefit, but they help you to see where and what needs to be changed in your behavior, such as spending, in order to get your finances in order and keep them that way.

Beware of some consumer credit counseling services, recommends the government debt help page on a governments website. Just because a consumer credit counseling service says they are “nonprofit” doesn’t mean their services are offered for free, or they are affordable or even legitimate. You must check the references even if they say they are a “non-for profit” organization. You can also check with the Better Business Bureau in your area for any claims against the consumer credit counseling services.

Another thing you must beware of its government grants. If you’ve seen any of the commercials on television or looked at any of the ads in newspapers and magazines, you will see that there are many advertisements for government grants. They promise you government grants that you can spend on anything you want. To pay down your debt order by something frivolous like a yacht or to go on a year-long vacation all over Europe. But these government grants are just scams, no one is going to hand you money to pay off your credit card debt. If you are doing something for endangered wildlife, there may be a grant for that, but there are no government grants for individuals who just want money for themselves.

If you are unable to come up with a workable budget and stick to a monthly than the consumer credit counseling services recommended by the government debt help website is for you. Many universities, military bases, housing authorities and US Cooperative Extension Services operate non-for profit credit counseling services to the government debt help centers.

Government debt help will help you if you own a small business and have gotten into too much bad debt. Or if you’re a large corporation and need help with bad debt the government will step up and help you out with either grants or loans, mostly loans, to help you maintain your business or corporation.

There are many places to obtain bad credit debt help including lawyers, debt consolidation loans, debt negotiations and consumer credit counselors. No one is able to erase or eliminate your debt completely but it can be negotiated down to a more manageable monthly payments.

By: Paul Hockney

About the Author:

When working from home there is nothing more frustrating than not being able to find things when you need them. While most home business entrepreneurs see themselves as never having any time, you have to spend some of your time to organize things. If you can’t daily, you should at least try for once a week, you should set aside some time to put things where it should be. Allot of people have a saying that there is a spot for everything and everything must be in its assigned place.

Many individuals have to make the time to do jobs over, but never have the patience and time to do it correctly the first time. For example if they cannot locate a file they will make a new one, which would take a whole lot more time than the six seconds it may take to put it in the correct place to start with. Just being able to locate the staples when your need to refill the stapler can save a few precious minutes you that would have spent going through all the desk drawers or storage bins, or even worse you might end up going to the stationary store to purchase more, this could have been avoided if you simply knew where you stored the staples in the first place.

The amount of stationary supplies you store at home will all depend on the kind of business you’re in as well as your financial budget. Try not to let your desk turn into a storage area for all of your stationary supplies. You can probably use an old bookcase or dresser to keep all you stationary supplies, while only keeping a small amount on your desk drawers or desk top. When you store supplies in the designated storage area, try to ensure that they are properly tagged and can be easily identified.

To keep the office running smoothly, try considering your desk as main point in the office. All the equipment that you frequently use should be within arms reach of your work station. If it is that you have to leave your desk to answer the telephone or to collect a fax, you are defiantly wasting precious minutes doing this. Documents that you are presently working on should be within easy reach, either in a filing cabinet close to your work station or in filing holder on your desk.

The best thing you can do is get all the files you plan to deal with on any particular work day and have them ready for work on at any given time during the course of the day. Files that you are not using should be filed away so that they can be found when you need them. While it can seem easier, try not to have your coffee pot near your desk, this is a very bad idea. One of the biggest reasons to avoid too much coffee is the damage caused by spills made by coffee at your work station. Everybody needs to take an occasional break from work, and having your coffee pot in another room can allow you an opportunity to stretch your legs. If you would like to know more on this topic check out Dotcomology [http://MakingMoneyFromHomeOnTheInternet.com] the art of making money with your home business.

By: A Josiah

About the Author:

If you are looking for a career change and love working outdoors and indoors, have good communication and interpersonal skills have you looked at starting a home-based business as a pest control worker? There are approximately 71,000 certified pest control workers in the U.S. today. The potential job outlook for this type of business is also growing at about 15% per year. About 85% of the pest control workers are employed by pest control firms. However, about 10% are self employed and operate their own pest control home-based business and this number will be growing significantly in the next years.

A high school diploma is the minimum educational requirement; however, about 4 in 10 workers have either attended college or earned a degree. State and federal laws do require pest control workers to be certified through training and examination. Most pest control workers are employed as pest control technicians, applicators, fumigators, or supervisors. The positions vary by state.

Pest control technicians work directly with the customers. They identify potential pest problems, conduct inspections, and design control strategies. Depending on the products used the pest control technician may be required to become a certified applicator.

Applicators may times specialize in controlling certain types of pests such as termites. They use chemicals and modify structures to eliminate termites and prevent future infestation. To treat infested areas, termite control technicians drill holes and cut openings into buildings to access infestations and install physical barriers or bait systems around the structure.

Fumigators control pests using poisonous gases called fumigants. They pretreat infested buildings by examining, measuring, and sealing the buildings. Then, using cylinders, hoses, and valves, they fill structures with the proper amount of fumigant. They also monitor the premises during treatment for leaking gas. To prevent accidental fumigant exposure, fumigators padlock doors and post warning signs.

Pest control supervisors, also known as operators, direct service technicians and certified applicators. Supervisors are licensed to apply pesticides, but they usually are more involved in running the business. Supervisors make sure that employees obey rules regarding pesticide use, and they much resolve any problems that arise with regulatory officials or customers. Most states require each pest control establishment to have a supervisor. Self-employed business owners usually are supervisors.

Average hourly earnings of full-time wage and salary pest control workers in 2006 was approximately $13.50 per hour. Supervisors can make as much as $21.00 per hour.

Starting a home-based business as a pest control operator may just be the ticket you are looking for. This type of business is very recession proof, and it has a relatively fast job growth potential. Due to the stigmatism of this industry in the past, pest control work is not appealing to many people and therefore there will be significant opportunity in the future for this service.

By: David W Judge

About the Author:

Have you heard of John Cummuta, the debt elimination expert? If not you need to read on as he can change your life by making you debt free and financially free.

Now, the average person’s initial reaction is that it is impossible for the average American to get out of debt today. Most people have mortgages, mounting credit card debt and are faced with rising prices.

However, for those who are serious about becoming debt free, John has been the driving force behind thousands of people becoming financially free. He teaches a revolutionary but long standing program called Transforming Debt into Wealth.

The program stands on its own with proven and consistent success. John and his teachings have been endorsed by many financial companies and associations. But, if you learn a little more about John Cummuta, you will know that he has the expertise and the vision to back his success and effectiveness. As his history shows, he has devoted his career to helping people get out debt, manage their money and life the lives of their choosing.

John is an entrepreneur and has been named an Inc. 500 CEO at least 3 times. He has 30 years of experience in the financial arena. He has perfected his Transforming Debt into Wealth program by adding not only a unique way of teaching how it works, but also proprietary worksheets, exercises and even software that does most of the work to eliminate debt for any student of his course. He is also a prolific author in the area of debt management and wealth creation.

His approach involves what is known as optimized reallocation and it basically works by looking at current assets and debt and then coming up with a method to most efficiently lower the debt and increase assets using your current income. He has been teaching this for years and has applied it in his own life to create financial freedom and the freedom to start businesses and spend time the way he wants

By: Sarah Davidson

About the Author:

Debt Elimination should be the goal of everyone who has a debt. Not only to control or manage it but to totally eliminate it. It doesn’t matter if it’s just a small amount or a huge one. Having a debt can weigh heavily on the mind. It is a stressful state to be in and the cause of worries for growing families and small business.

So what’s the best thing to do? Simple. Debt Elimination.

This guide will show you how:

1) To stop yourself from getting further into debt, stop using your credit card. It’s usually the first step to debt elimination. You need to get to the root of the problem and work your way up. Keep your credit card at home, or make your credit card inaccessible by putting it in your bank deposit box.

2) Be organized. Exactly how much do you owe your creditors and at what interest rate? Use a spreadsheet to organize your payments. This is a real eye opener. It will show you the extent of your debt, the interest rates on loans or credit cards, other fees such as surcharges, and the total debt amount.

One way to keep up your spirits and motivate yourself is to update you’re your spreadsheet as you make your payments. This way you can watch your balance decline. Seeing your balance slowly drop to zero is a great motivator.

3) Create a Budget that will allocate a substantial of your income for debt payments. But you should make sure you have enough to live by. Do not try to try to delve into your day-to-day necessity fund just so you can pay off your debt quickly. Subsistence living can hurt your self-confidence and might distract you from your ultimate goal.

4) Build an emergency fund for unforeseen expenses. Anticipate expenses that you might have in the future and save for it so there will be no need for you to borrow from the Credit Company or bank. Learn to live way below your means. Spend a lot less and only on essentials. The money you save can go to your emergency fund.

5) Use cash for all your purchases. It may be more convenient to use a credit card but it also makes it easier for you to spend more. By using cash, you will feel the burn more and make you think again before buying.

6) If you feel that your debt problems are too much for you to handle, then it’s a good idea to seek the services of credit counselors. They can help you find out what method of debt elimination will work for you. Since not all debt problems are the same, what works for others might not be effective in your particular case. Solutions can be tailored to fit your needs. Find out what works for you and follow through with it until you eliminate your debt.

7) Limit your spending. You have to truly want to eliminate your debt to be able to do this, otherwise you’ll find yourself reverting back to your bad spending habits. Make your family aware financial difficulties so that they can do their part. Be willing to compromise. There are a lot of things you can do to limit your spending. Be creative about family entertainment so you won’t have to spend more than what is necessary, or better yet, none at all. Avoid eating out except on special occasions and put a freeze on vacations until you’ve paid your dues.

Change your perspective about money. How much do you make in a month? In a year? Do you really think that a new car will justify forking over half a year’s salary when you can make do with the old one? Resist impulse buying. If you do not have the cash for it now then you can’t afford it. Another way to curb impulse buying is to save up for that item you want to buy. By the time you have the money, you probably won’t want it anymore.

Stay focused. Most people stumble on the way because they lack the focus and do not take the problem seriously. Be patient and realistic. There is no quick fix to debt elimination. If you find that things are moving too slowly for your liking, don’t lose heart. The only way to debt elimination is slowly and steadily.

By: Nathalie Fiset

About the Author:

If you’re running a home business, then one of the fundamental things you should know is that your contacts list is the lifeblood of your business. Without a good contacts list your business would be a fish out of water, floundering for survival in a dried up revenue stream. It doesn’t matter if you have a good sales copy or if you have a fancy website for people to check out or if you have the most pleasant disposition on the telephone. If no one checks out your products or aren’t even interested in them, then perhaps you should get a 9-to-5 job rather than attempt the home business idea. This article will tell you all about the importance of the home business mailing lists, and how you can get started obtaining one.

There are several ways of going about building up your business mailing list. Depending on the situation at hand, you can opt for building and compiling your own list, or you can obtain one from a reliable source. You should only consider the first option if you’re not on a time constraint or if you’re not too impatient in wanting to make a sale. Building your own list takes time and effort on your part, especially if you’re handling most of the business operations.

If your business is internet-based, you could always utilize opt-in pop-ups on your website, where interested prospects may enter their contact details and opt-in to be notified about your products or services. This is obviously an advantage, because once a prospect opts in, you would have a higher chance of making a sale because the prospect has already shown an interest in the product or service by opting in to know more. Through the use of an auto responder, you can offer complimentary downloads, reports, etc to your potential prospects who have opted in.

However, do note that it will take time for you to build a big enough list using this method, because you can’t realistically expect hundreds and thousands of people to be interested in your product and opt-in at one go. If you’re patient enough to wait for your list to build, then this is the way to go. But if you want a quicker, more direct access to your potential prospects, then you’ll need a business mailing list that only the professionals can provide.

There are many services out there offering comprehensive, detailed listings of prospects for specific niches at a premium. Do not be turned off by the thought of having to pay for a simple listing. The fact is, a lot of thought and consideration has been put into these listings; the contact details found in the listings have gone through a rigorous process of extensive selection and criterion. Because these lists are highly targeted, your chances of closing a deal with one of the prospects listed within them would be higher than if you were to randomly select a contact detail from the phonebook, a mistake many have done.

So if you want a higher chance of getting a sale from your marketing efforts, don’t be afraid to make a little investment. Find a credible listings company and purchase a highly qualified business list today.

By: Chris J Burns

About the Author:

In this day and age, it seems increasingly harder to find families who have the option to keep mom at home to raise the kids while dad earns the family wages. Today, statistics say that roughly half of all married couples operate on a dual income, and half of those couples have children under the age of 18, which means that one quarter of all families are married, have children, and operate with both parents working. That leaves only half of America’s married mothers staying home with their kids, and that isn’t counting single mothers who have absolutely no choice but to work. It’s not that all these mothers don’t want to be with their children, but rather that they don’t have the financial resources that would enable them to spend their days at home instead of helping supply the family income.

What many of these mothers don’t know is that leaving the house to support the family is not the only employment opportunity; in fact, in many cases, it’s not even the best opportunity. Instead of working for someone else, making what may only be a fraction of the earnings that she actually deserves for her labor, a mother could very well purchase a home based business, work for herself, and collect every dollar that she works for, and all while staying at home, in close proximity to her kids. franchises provide the best of both worlds to married and single moms alike, and here are just a few business opportunities that have already proven themselves worthy choices.

ElizaJ

The number one renter of upscale outhouse units for weddings and other high-class outdoor events, ElizaJ was created to address a party need that is utterly essential yet rarely discussed, and they do so with a level of class and decorative panache that easily puts them at the top of this niche market. Their restroom units come equipped with everything from mirrors and flower vases to music and air conditioning, and people are often so impressed by them that amidst a great event, they take the time to comment on how great the restrooms are. With ElizaJ, you can work from home, help people make the most of their events, and make a great living from a solid business.

Virtuoso Music

The musical mom who loves to be connected to the local community will profit immensely from this home business. Trained in marketing and basic business operation and given a battery of computer software and resources, franchisees with this internet franchise are provided with everything they need to be the musical education and performance hub for their area. By connecting music tutors to students, setting up places for music classes, and scheduling performances around town, Virtuoso Music owners help perpetuate a love of music in their protected territory.

Vendstar

It may come as a surprise, but vending is often one of the most profitable work at home business opportunities available, and Vendstar is a master in the industry. Equipped with some of best machines around, franchisees bring home an average hourly rate of $70 with a business that is as flexible as a mother needs. Whether the best time to refill machines is while the kids are at school or after picking them up, everything works on your schedule.

TVME Inc

Again, the name of the work from home game is flexibility. Morning, noon, and night are all completely valid times to visit clients and potential clients with the purpose of selling or maintaining another TVME Inc computer media center to a restaurant or other entertainment/hospitality facility. These media units come equipped with access to over 400,000 songs and nearly every music video recorded in the last 40 years coupled with a simple touch-screen interface that makes selecting and playing those songs and videos incredibly easy for purchasers. It’s an easy sell, and one that franchisees continue to make money from long after the initial sale, because to continue accessing that media, clients must subscribe to a narrowcast that makes the media available. With two streams of income, the ability to work at home, and trips to restaurants and bowling alleys to entertain the kids, there’s nothing to lose with this franchise.

Human Resources Rx

Many small businesses simply don’t have the finances to justify hiring permanent human resources personnel, but Human Resources Rx franchisees solve that problem for their clients by providing outsourced HR support. Because of the large number of small businesses in need of this kind of service, the opportunity for success is great, and because client relationships are generally ongoing, there is a constant flow of income even in times of lesser expansion. Aside from client meetings, most work is done from home, which means mothers get to be with their kids before school and after.

It’s not easy having two jobs, and being a mother and making a living definitely count as two jobs. But a home based business can certainly make juggling those two things just a little bit easier, while also providing a steady income that doesn’t depend on someone else’s business intelligence and success. Just because raising kids is hard, don’t count out being your own boss as well.

By: Candice Clem

About the Author: