|
How to Use the Cloud to Reduce Expenses
2011-10-14 16:00:00 Many people are looking to cut expenses. Personally, I?ve shaved at least a couple thousand dollars a month from my expenses by downsizing to one car, cutting out lots of monthly recurring fees, and looking closely at which services I can now shift to the cloud. Software: Contact managers, office documents, media editing programs, you name ...
How to reduce your monthly expenses?
2011-06-06 03:12:00 How to increase your income in a rapidly changing modern world? Escape is not an option. There can not be prepared to luxury, but be aware that increased availability of debt is a priority. Let me tell you how to create a special financial package for themselves, without waiting ...
How to reduce your monthly expenses?
2011-05-17 00:09:00 The payment of the debt quickly, you can use a large sum of money, not load on their cards. Escape is not an option. No eject, only the map. Yes, many people who completely eliminate credit card debt through the implementation of the recovery plan for personal resources. ...
Increase Income - Do Not Cut Expenses
2011-03-21 15:28:00 The problem with cutting expenses is that you reduce your standard of living. So in order to get what you want, I recommend increasing your income. That is what people and businesses do on a regular basis.However, in government, the way to increase income is to raise taxes. When you raise taxes, you take money from the tax payers. Since taxes are unevenly paid out - people with more money or people who spend more pay more in taxes. The government then decides who the extra revenue that is collected goes to.In the case of personal or private manners, I recommend increasing income as a way to enhance their lives. In the case of government, a more limited and controlled...
Would You Rather Have Lower Expenses or More Income?
2010-10-28 09:04:00 A recent politician is making headlines by telling his listeners that the "rent is too high". I have another opinion. My opinion is that wages are too low. Is there a way to not mandate lower expenses or not take...
CTA keeps lid on expenses, but revenue down in first quarter
2010-05-18 14:00:00 While the CTA spent about $23 million less than budgeted in the first quarter of the year, system-generated revenue was $8.5 million less than anticipated for Q1, according to the financial report presented at last week's meeting of the Chicago Transit Authority board.Reasons cited for the reduced revenue include:Lower than anticipated farebox revenue because of lower ridership from the service cuts.Lower vehicle and platform advertising revenues.Lower revenue from property sales.On the expense side, the CTA reports it cut costs in:Labor expense due to vacancies, lower overtime and higher charges to capital jobs.Materials expense through a "reduction in the bus fleet with scrapping of the 19-year-old buses, lower material usage for rail cars and lower fare card material."Fuel costs with favorable...
Lukewarm fiscal start to 2010: Dip in fare revenue offset by lower expenses
2010-03-15 12:00:00 The CTA collected almost 13% fewer dollars in fares than expected in January, but still managed to show a surplus of almost $2 million due to lower expenses than budgeted, according to a report to the CTA board by its CFO.The CTA made up for a drop in budgeted fare revenue of almost $6 million compared to budget on the expense side of the ledger. Key items include:Labor expenses were down about 3% ($2.2 million less than budget) due to vacancies.Material expenses were down almost 31% ($2.5 million less than budget) because of the need for fewer vehicle maintenance parts.Fuel costs were down about 23% ($1.4 million less than budget), with no explanation given.One scary stat is that working cash...
Broker wrong to cover certain expenses: regulators
2009-11-24 00:47:00 Terra Nova Financial LLC, a Chicago-based broker, has been fined $400,000 by federal regulators who say the firm made unauthorized payments to clients, including money to cover one hedge fund manager's visits to a "gentleman's club."All told, in 2004 and 2005 Terra Nova made $1 million in improper payments to clients in a bid to keep their business, the Financial Industry Regulatory Authority said in a statement announcing the fine Monday. The regulator also fined and suspended three people at the firm for their roles in the payments. Terra Nova didn't admit or deny the allegations, but it agreed to hire an independent consultant to review its policies, the statement said....
Easily calculate all App Store expenses from iTunes
2009-10-27 20:31:00 For those of you with an iPhone or iPod Touch who have been recklessly spending money on all those apps from the App Store in iTunes, now is time for a reality-check. An app for Mac OS X named App Store Expense Monitor that sits in the menu-bar is here to reveal all the dirty secrets ...
By: Sizlopedia
MP?s expenses and bankers bonuses, now we?re talking
2009-09-22 19:53:00 Just seen on the TV that there are Afghanis queueing up in Calais waiting to sneak over to the UK in the back of a truck and then to claim political asylum. That’s all they have to do, get to the border and utter ‘I wish to claim political asylum’. Not sure if many of ...
MPs? Expenses ? Interesting claims by David Davis MP
2009-09-21 15:08:00 As you might have seen in the news, the UK Parliament has made available records of MPs' expenses from 2004/05 - 2007/08. Obviously these records can reach hundreds of pages for each MP and will take some time to sift through. It seems to me that by applying a bit of ...
By: Just Uber
Tony McNulty Expenses Outcry. Select List of Major UK News Articles
2009-03-28 00:33:00 Via the news organization Silobreaker, Friday, March 27, 2009 8:23 PM, below are some links to major British media articles on the Tony McNulty expenses uproar. McNulty has close ties with the wealthy and powerful Sathya Sai Baba sect, and with its UK leader  Ashok Bhagani and other key members. The aim to set up a powerful transmitter in the UK for Sai Baba’s international radio satellite broadcasts has been a part of this relationship. The Harrowing of Harrow East MP Tony McNulty The Tangled Web McNulty first said that he would not hand back the more than 60.000 pounds sterling that he had claimed for a house in which his parents live. Under closer scrutiny, he then said that he would. He also first said that he had done no wrong. But subsequently said that the “arrangement is indefensible”. John Lyon, the parliamentary commissioner for standards, is to launch a formal investigation. McNulty has been widely tipped to be the next Home Minister and also Lord...
Tony McNulty MP Expenses Furore. His Sathya Sai Baba Sect Ties Also Need To
2009-03-26 02:11:00 A probe into irregularities can enquire about any payments that Sathya Sai cult officials have paid to Tony McNulty in respect, for example to the Sathya Sai Baba Organization leaders and any other members. These would include the UK head of the sect, Ashok Bhagani, with whom McNulty is said to be good friends
Tony McNulty Brit MP. Expenses Scandal Erupts. His Sai Baba Cult Nexus Yet
2009-03-22 23:33:00 A big scandal has erupted in the UK surrounding British Labour Member of Parliament, Tony McNulty. Some of my readers will recall that McNulty is connected with the head of the Sathya Sai Organization in the UK, Ashok Bhagani. Evidence suggests the two men are friends. It is also known that Bhagani’s daughter has long been working, with varying hours of ...
Finance Lawsuit Expenses
2008-09-02 18:54:00 If you need to finance lawsuit expenses, you should check out this article I just posted which explains exactly how a lawsuit loan is a better option than credit cards, mortgages, loans from friends, etc. Check it out! This may help you decide which route is best for you: “As many plaintiffs know, it can sometimes ...
Personal loans uk : easy way to get answers to your personal expenses
2008-07-07 04:16:00 A financial support through loans is an easy way to get answers to your various economic commitments. To respond to your personal requirements of various, United Kingdom, personal loans serves the best for you. United Kingdom-credit offers the advantage of keeping the claim for the loan confidential. You can use the Loan for your different needs according to your desire. You can find the money for the consolidation of debt, improving housing, renovation, weddings, holidays, plans for education, medical emergencies, and several other projects of law and the payments so. With personal United Kingdom, you can use the money to your needs and capacity. You can choose from the guaranteed and non-guaranteed loan to your desire. With a security staff ready, you can make an amount of £ 5000 to £ 75000 with the conditions for reimbursement from 5 to 25 years. Here, you are obliged to an advantage that the security of the loan is the so-called the loan. Where, guarantee a large extent the ...
Cash Till Payday Loans: For Those Unbudgeted Expenses Posted By : Ruskin Th
2008-05-30 18:50:00 Cash till payday loan is a scheme devised to provide cash loan especially for emergencies. This cash money is availed hassle free without any technicalities or documents involved. Read this article to understand this loan further. Credit scores hold a lot of importance today. Your credit score will affect you in many ways other than securing a loan. To improve your credit score first you must understand how credit scores work. Read more about Credit and Personal Finance.
Another Way to Pay Your Expenses
2008-05-30 17:01:00 Are you in short money and confused about how to pay your next bills? Did you forget to spare money to pay for children?s school, car fixing, and other expenses? Do you seek for help but feel afraid or the bad credit loans? Thinkcash.com has a solution for you. With an easy application form, you ...
By: ExtraWorld
Avoid UK Tax Problems By Knowing What Business Expenses Are Disallowed Post
2008-05-27 02:38:00 Not all expenses can be claimed as valid business expenses for tax purposes. In a number of areas there is a grey area when an expense could be a business or private expense or may be a business expense used for private purposes. Tax problems can be avoided by understanding which expenses are allowed for tax purposes and which are not allowed. A recent study by United College Marketing Services has shown that student credit lines have increased to over $6,000. Credit card usage has tripled since 2001 amongst teenagers as well. Since eighteen year-olds in many countries and most U.S. states are eligible for a card without parental consent or employment, the likelihood of increased balances, unwise use of credit and damaged credit scores increases. Read more about Finance and Credit.
Reduce UK Tax Bills By Knowing What Business Expenses To Claim Posted By :
2008-05-27 02:38:00 Tax bills can be reduced if all allowable business expenses are included in costs and receipts retained as supporting evidence. While all business expenses can be claimed it would not be unusual for particularly inexperienced small businesses to fail to claim some business expenses due to uncertainty over what constitutes a valid business expense. A recent study by United College Marketing Services has shown that student credit lines have increased to over $6,000. Credit card usage has tripled since 2001 amongst teenagers as well. Since eighteen year-olds in many countries and most U.S. states are eligible for a card without parental consent or employment, the likelihood of increased balances, unwise use of credit and damaged credit scores increases. Read more about Finance and Credit.
Budgeting for Unexpected Expenses
2008-05-23 16:04:00 Unexpected expenses are just an expense with uncertainty attachedUnexpected expenses can really hinder your saving or debt repayment efforts. You have your budget carefully planned and meticulously detailed and thought out. Then, out of the blue, pops an annoying significant and unexpected expense and re-shuffles everything.I?ll be arguing further along this post that all unexpected expenses are really expected costs with an attached element of uncertainty. This is a powerful claim which I believe to be true. Hopefully by the end of this post you will agree.Not all unexpected expenses were created equal. I like to think of a hierarchy of unexpected expenses and in the following I will present my hierarchy of costs and how I budget and plan for these.#1 ?Is it Christmas already?? ? Seasonal recurring expensesWhen it comes to the first type of unexpected expenses, such as holiday presents for example, the case is clear. These are obviously expected costs which were not planned for. Th...
Budgeting for Unexpected Expenses
2008-05-23 16:04:00 Unexpected expenses are just an expense with uncertainty attachedUnexpected expenses can really hinder your saving or debt repayment efforts. You have your budget carefully planned and meticulously detailed and thought out. Then, out of the blue, pops an annoying significant and unexpected expense and re-shuffles everything.I?ll be arguing further along this post that all unexpected expenses are really expected costs with an attached element of uncertainty. This is a powerful claim which I believe to be true. Hopefully by the end of this post you will agree.Not all unexpected expenses were created equal. I like to think of a hierarchy of unexpected expenses and in the following I will present my hierarchy of costs and how I budget and plan for these.#1 ?Is it Christmas already?? ? Seasonal recurring expensesWhen it comes to the first type of unexpected expenses, such as holiday presents for example, the case is clear. These are obviously expected costs which were not planned for. Th...
Cheap Car Insurance For Teenagers - Parents Can Minimize The Expenses On Ca
2008-05-15 23:42:00 Buying auto insurance for a teenager has proved to be a headache for any parents because the rate of insurance tends to be the highest for teenagers. As things are getting expensive nowadays, many parents are trying to look for cheaper auto insurance for teenagers to minimize their expenses. It might be hard to look for cheap car insurance for teenagers, but parents could practice the steps below when they are looking for cheap auto insurance for teenagers.Teenagers are often presumed as higher risks drivers compared to other groups of drivers. They are lack of experiences in driving and tend to have higher accident rates compared to other older drivers. Therefore, their rates are normally higher because of the above reasons. Parents can consider to get advanced driving courses for their teenage children if they are looking for cheap car insurance for teenagers. With a pass in their advanced driving courses, insurance companies will assume that these teenagers are more capable in dr...
Get Control Of Your Home Business Expenses
2008-05-11 07:00:00 When you begin a home business, forget all the free time and endless vacations many people talk about. Your primary focus is going to be on making enough money to survive. One of the biggest problems new home business owners face is confusing income with profit and it is the profit that will determine if ...
By: Resources zone
Dyfed-Powys Police to revise expenses policy after credit card abuse
2008-05-09 16:29:00 A Welsh police force has vowed to change its internal expense claim policies after its former chief constable was found guilty of misusing his corporate credit card. Terry Grange, former head of the D
The Problem of Accounting and Budgeting For Cash Expenses
2008-05-08 15:15:00 Where did all that cash go ?I?ve recently written two posts on payment methods or credit cards vs. cash. I argued that while cash payments help us avoid overspending credit card payments provide us with valuable and timely information for budget planning and review (Credit Cards or Cash: A Costly Tradeoff).I also provided my tips and insights on how we can make credit card payments more tangible and real to help save us money (How to Save by Making Credit Card Payments More Real and Tangible: 5 Practical Tips).There is, however, one remaining question which I?ve yet to find a successful solution to. How do we account, and budget in turn, for routine cash expenses?We can?t avoid paying cash as part of our daily routines. The problem arises at the end of the month when I take a look at all my cash withdrawals and start scratching my head trying to remember where I spent all that money. These cash withdrawals, when summed up on a monthly basis can really amount to significant sums of m...
The Problem of Accounting and Budgeting For Cash Expenses
2008-05-08 15:15:00 Where did all that cash go ?I?ve recently written two posts on payment methods or credit cards vs. cash. I argued that while cash payments help us avoid overspending credit card payments provide us with valuable and timely information for budget planning and review (Credit Cards or Cash: A Costly Tradeoff).I also provided my tips and insights on how we can make credit card payments more tangible and real to help save us money (How to Save by Making Credit Card Payments More Real and Tangible: 5 Practical Tips).There is, however, one remaining question which I?ve yet to find a successful solution to. How do we account, and budget in turn, for routine cash expenses?We can?t avoid paying cash as part of our daily routines. The problem arises at the end of the month when I take a look at all my cash withdrawals and start scratching my head trying to remember where I spent all that money. These cash withdrawals, when summed up on a monthly basis can really amount to significant sums of m...
April Expenses-$1581.53
2008-05-05 16:06:00 Here is a breakdown of my expenses for April. Rent/Household $441.27 Utilities $94.28 Transportation $184 Entertainment $454.50 Food $133.48 Student Loans/Education $274.00 Total $1581.53 Expenses were way too high for April. My goal is to keep my expenses under $1000 not counting optional debt repayment. If my entertainment expenses wouldn’t have been ridiculously high I would have been on budget. Most of the entertainment expenses was in the first week ...
Google spends a whopping $72 Million for employee?s food expenses!
2008-05-02 14:45:00 “According to Silicon Alley Insider“ Working for Google is like a trip to paradise and most people who have been employed by the Mountain View-based company confirm it. Free food, swimming pools, restaurants, fast-foods, pool tables and gyms. They’re all free for the Google employees. But, have you ever asked yourself how much is Google spending ...
5 TradeShow Tips for Keeping Expenses Down
2008-04-29 21:32:00 1. Set a budget and stick to it.With all of the booth options, travel options, cool promos, travel expenses, and miscellaneous costs involved, tradeshow expenses can add up fast. Avoid nasty surprises and create, then stick to, a budget.2. Plan early and plan ahead.Waiting until the last minute to make plans or decisions can mean the difference between big a little expenses. It can also mean the difference between nervous excitement and widespread panic amongst you tradeshow troops.3. Reduce, Re-Use, And Recycle.Reduce the impact on your company budget and your wallet by reusing trade show materials and accessories instead of purchasing new for each show. Use energy efficient lighting and try to better target what materials should be handed out to whom.4. Rent, don?t own.Do not make big unnecessary purchase when corporate computer equipment rentals will do the trick. Corporate computer equipment rentals will help you to stay on the forefront of technology without having to continuou...
Save Up To $240.00/Year On Your Out-Of-Pocket Expenses For NasacortAQ
2008-04-27 03:00:00 Save up to $240 per year on your out-of-pocket expense (up to $20 per prescription)* (It says rebate, but I got this in the mail & it is a coupon to use when you pick up a new or refill prescription. It says if the pharmacist is unable to give you an "...
How To Notice Needed And Non Esential Expenses In Your Budget Posted By : R
2008-04-26 18:08:00 Knowing how to look at your money is half the battle. Once you identify a problem, it is easy to fix. this article will help you find the issues in your budget. That last time I used my credit card, I kicked myself. You see, I'm trying out this whole negative reinforcement thing. Anyway, the point is that we should try not to spend so much and start saving more. Maybe what's in order is a financial planning education course. Read more about finance and credit cards.
Controlling Expenses In Your Business Improves The Bottom Line
2008-04-20 07:00:00 The report card for any business is its profit and loss statement and in order for the business to succeed, profit is determined by two categories, income and expenses. As all business owners know it is easier to adjust expenses than it is to increase income but for profits to show a significant rise, income ...
By: Resources zone
Cash Loans UK offers fast cash approval for your unplanned expenses
2008-04-15 16:24:00 By Antonio Vargas If you are looking for a loan in the UK financial market that offers fast cash approval, no collateral, or no credit check for the loan amount then opt for cash loans UK. Cash loans UK are the best option to enable borrower’s urgent, unplanned financial implications that needs fast cash approval. Well, cash loans UK shapes the urgent cash requirements of the borrowers when his upcoming payday is little far away and needs are to be met without any delays. Some of the urgent or unplanned needs that require borrower to trust the cash loans UK are unplanned medical bills, urgent car repairs, home repairs, gas bills, credit card repayments, grocery expenses etc. Cash loans UK are small and short term loans that don’t require any collateral as they are unsecured in nature. Cash loans UK in other words are use to meet the temporary cash flow that have risen before read more
Track Your Expenses with Money2Manage.com
2008-04-15 05:55:00 As often people find difficulties in managing their resources or their incomeas well as expenditure, Money2Manage offers a tool of Managing personal finance. This new web app tool was designed to help you keep track of your expenses and income. It?s got a slick, easy to use interface and requires little work to start. Simply register online, get your ...
Buying a new house is not cheap: Expenses not to forget when buying a new h
2008-04-14 20:57:00 When my wife and I bought a new house in 2006, it was an exciting time for us. We were living in a townhouse that we owned, but we just wanted a little bit more space than what we currently had.We looked for a new home for almost 1 1/2 years, looking at both new construction and existing homes. After countless open houses, model homes, real estate agents and a lot of number crunching we finally bought a new construction house just down the road from where we lived.The process of buying a new house was an expensive one, and one we'll be better prepared for next time. Here are just a few of the expenses we didn't fully realize we'd have - or how expensive they would be, when we purchased our home. Hopefully this list will allow you to go in with your eyes wide open.EXPECTED PAYMENTS AND FEESDown Payments: A lot of the time, in order to get a good interest rate you'll need to make a hefty down payment on the house, 10% or more. If you want to avoid private mortgage insurance, ...
Win An All Expenses Paid Divorce
2008-04-14 18:54:00 If you are a guy who is looking to get out of a marriage and you want to do it for free than Australian mens magazine ZOO Weekly has got the contest for you. Simply explain to ZOO Weekly, in 100 words or less, why you deserve an all-expenses-paid divorce and if you win ZOO will ...SHARETHIS.addEntry({ title: "Win An All Expenses Paid Divorce", url: "http://tastybooze.com/2008/04/-win-an-all-expenses-paid-divorc-e/" });
[Amusing] Aussie lads magazine runs ?win an all-expenses paid divorce for t
2008-04-14 06:19:00 News.com.au
Rental properties - claiming borrowing expenses
2008-04-14 03:54:00 Clients ask us about what they can claim for their rental properties - since we are not registered tax agents we cannot give any information in that regard. If you go to the Australian Taxation Office website (ato.gov.au) you may be able to navigate to the correct page. The information below is taken from their ...
744.108 Guardian's and attorney's fees and expenses.--
2008-04-10 13:00:00 (1) A guardian, or an attorney who has rendered services to the ward or to the guardian on the ward's behalf, is entitled to a reasonable fee for services rendered and reimbursement for costs incurred on behalf of the ward.(2) When fees for a guardian or an attorney are submitted to the court for determination, the court shall consider the following criteria:(a) The time and labor required;(b) The novelty and difficulty of the questions involved and the skill required to perform the services properly;(c) The likelihood that the acceptance of the particular employment will preclude other employment of the person;(d) The fee customarily charged in the locality for similar services;(e) The nature and value of the incapacitated person's property, the amount of income earned by the estate, and the responsibilities and potential liabilities assumed by the person;(f) The results obtained;(g) The time limits imposed by the circumstances;(h) The nature and length of the relationship with t...
By: Elder Abuse
Lawyer: K-Fed Getting a ?Bad Rap? on Expenses
2008-04-09 22:04:00 Federline’s attorney, Mark Vincent Kaplan, says his client’s spending is reasonable More: continued here
By: Feed Me Gossip
Expenses on Education - Money Saving Tips
2008-04-09 07:00:00 It is very common for college student to take student loans. However, one problem of this phenomenon is that the students will be in debt once they leave the college. As we all know, it is always good to have a debt free life. Yet it seems that it is quite impossible to do so ...
By: Resources zone
College Expenses: Should parents pay for their children's tuition?
2008-04-07 21:14:00 A lot of our married friends have been having kids lately, and as a result some of them have started saving for their kid's future college education.I think it is admirable to be planning ahead, and ensuring that your children get an education. But my question is this: Should parents be paying for all of their children's education in the first place?Over at Llama money they had a similar discussion that struck a chord with me, so I thought I would give my take on this as well.When I was growing up my parents were never well off as my father worked at a local church food shelter ministering to others in their neediest of times. We didn't have a lot, but we had what we needed. We learned a good work ethic, how to serve others and of course the value of a dollar (much easier to do this when you don't have much).When I was in high school it was made clear to me that I would need to get good grades, and try for college scholarships in order to pay for my education. My parents wou...
Pay for living expenses with a reverse mortgage loan
2008-04-03 17:00:00 A survey by Consumer Credit Counseling Service of Greater Atlanta, Inc., found that the main reason most homeowners who took out a reverse mortgage loan was to pay for living expenses.
Cut Your Expenses To Improve Your Home Business Bottom Line
2008-04-03 15:49:00 By controlling your expenses you can improve your home business bottom line.The report card for any business is its profit and loss statement and in order for the business to succeed, profit is determined by two categories, income and expenses. It is a lot easier to adjust your expenses than it is to increase your ...
March Expenses
2008-04-02 14:40:00 Here is a breakdown of my expenses for March: Household $378 Utilities $107.11 Transportation $151.90 Entertainment $335.85 Food $121.96 Student loans $100 Health Insurance/Medical $170.22 Total $1365.04 My expenses are too high mainly because of my entertainment expense. I really need to cut that one back. My health insurance is paid for three months so I shouldn’t have any medical expense this month. Other categories should be roughly the same. My goal ...
Minimize Your Online Expenses? Now!
2008-04-01 08:40:00 Hi, what’s up? You probably thought that I was going to leave you guys for good, eh? Nah… can’t do that. Anyway, as you may know, school’s out so I’ve been trying out lots of different things. I tried some online games, experimented with different money making methods, and of course I started to plan ...
By: The WWW Observer
Expenses Coming in Successions
2008-03-30 11:10:00 Hard times are here again. Things seem to be really coming in successions. First, dear son and I got sick at the same time. I got hospitalized last week and now another problem has popped up. Our bathroom needs some fixing. I suppose with how it looks, it would not just ...
How To Control Business Expenses
2008-03-28 06:00:00 The report card for any business is its profit and loss statement and in order for the business to succeed, profit is determined by two categories, income and expenses. As all business owners know it is easier to adjust expenses than it is to increase income but for profits to show a significant rise, income ...
By: Resources zone
How to track business expenses during Start-Up phase
2008-03-26 15:41:00 Small businesses in the start up phase have a lot of important decisions to make as they develop their business plans and concentrate on the initial steps that will put their business on track, building from the ground up. One of the most important aspects of the start up phase is putting together a sound financial plan to incorporate the start up costs that will continue to be relevant not only during the startup phase but also will grow with the company down the line.Entrepreneurs often use their own start up capital to get their business ideas off the ground. Essentially, it is important to differentiate business expenses from personal expenses to maximize accounting efforts and to easily track the cost of business start up. Employing a company credit card, designed for small businesses, is an easy way to tally all business expenses in one location. For a young business, accurate accounting will be vital to establishing a solid foundation. Knowing what your expenses are will aid ... |
|
 |
|
 |
