You Paid *How* Much for a Used What?

R2-D2Over the weekend, I bought a vacuum cleaner.

Not exactly exciting or out of the ordinary stuff on its own until I tell you that I bought it used *and* I paid just shy of $800 for it.

Say what?

Yep, see, of late (and for the last 7 years) we’ve been getting by using a $60 piece of crap Eureka upright that I bought at Ames (when they were still in business) and my wife’s much nicer Hoover upright.

I say it’s nicer because it has a headlight, you know, for those night time vacuuming sessions…or something?

Anyway, my vacuum apparently doesn’t work (according to my wife — I obviously don’t do a lot of the vacuuming).

And I just don’t like upright vacuums.

See, everytime she vacuums, I launch into an asthma-like attack where the rest of my day is pretty much shot.

This might explain why I don’t do much of the vacuuming. It’s one of those cause and effect things…

Back on topic… When I was a kid, we never had an upright vacuum. When ever there’d be a vacuum featured on the Price is Right or something, I always thought it looked weird.

Little did I know, our vacuum was the “weird” one.

It looked like R2-D2 in a brown 1970’s style colour scheme. Where R2 had those two blue vent looking circles on his chest, well, that’s where the hose went on our vacuum.

It was a beast — and it looked like the best robot ever.

When I went away to university, my mom was still using that same vacuum cleaner.

And I *still* thought it looked cool.

Dare I admit, I even used it a few times. Yep. I did.

So, anyway, a few years pass and I come back home after university… The R2-D2 vacuum is still going strong (now pushing 30+ years old) but my dad — now retired — is sucked in to an Oreck XL infomercial.

I’m not sure how he manged to click off of FoxNews for more than a second, but he did, and a few days later the Oreck XL — an upright vacuum — arrived on our front porch.

So long R2-D2.

I wasn’t actually home when R2-D2 disappeared — I would have appealed — but it didn’t take long to notice that *something* in our house was different.

I couldn’t breath.

At first — since I’m one of those guys that’s allergic to *everything* — I thought I might just be reacclimating to living in a house with dogs after so many years away.

Then I blamed the Glade spray that my mom would spray in the basement where she smoked (she’s since quit).

Both seemed like great explanations until one day I was on the couch watching a UConn Women’s basketball game and my mom started vacuuming.

It was that damn Oreck XL. It blew more crap out than it sucked in.

And it was like it’s bag was coated with some sort of deodorizer or something. In the sunlight, you could see that the room was *filled* with a fine powder.

Dust, maybe, but it was scented like that Arm & Hammer powder people use to cover the smell of dog pee. Mmmm… potpourri flavored dog piss in powder form…

I wanted R2-D2 back.

Anyway, when I finally moved out and bought my previously mentioned Eureka upright — strictly avoiding Oreck — I quickly noticed that Oreck wasn’t to blame for my breathing issues.

Upright vacuums, in general, were the problem.

They *all* have a freakin’ fan in close proximity to the spot where they’re supposed to suck. What’s up with that?

Talk about a design flaw. Yeah, even you Dyson…

So off I went to eBay in search of one of R2-D2’s siblings. When they say that you can find ‘IT‘ on eBay, well, they’re not kidding.

There he was — the exact same vacuum I remember sucking up my Legos and my sister’s Barbie shoes. Built in 1971 he was commanding $350 on eBay?!

What?

And he had 27 bids?

Holy crap?!

I let my parents have it over the phone — they threw away R2-D2 when they could have sold him for hundreds of dollars?! Ugh…

At the time, I couldn’t pull the trigger or justify spending so much money on a 30+ year old vacuum but I made sure to remember the name.

Rainbow LogoRainbow.

Someday I’d have one. Someday.

Well, that day will be later this week when it arrives.

I didn’t buy the 1971 model opting instead for an early 2000’s model. It still resembles R2-D2, kinda-sorta, except he’s not all metal like he used to be. No chrome either.

Maybe this one won’t weight as much as an anvil.

The horrible brown colour scheme remains, though. Go figure.

JawasActually, you know what? This newer model kinda looks more like that other little droid that the Jawas tired to sell to Luke’s uncle Owen. His name was R4-D4.

Yes, I *really* enjoyed they first couple of Star Wars movies…

So, in the end, I paid $760 for a decade-old vacuum.

Crazy?

Perhaps, but brand new it would have cost me around $2600 (and required an in-home demonstration from a pushy salesman that would make me very uncomfortable).

I was already sold — I don’t need a salesman to sell it to me — but that’s the way they do business.

Since good old R2-D2 was still going strong after nearly 30 years, I felt confident in buying this one used.

Sure, it seems gross to buy someone else’s vacuum — it skeeves me out too — but it’s not like you eat off of it or sleep on it or anything.

Best of all, I think we’ll be vacuuming a lot more often once it arrives — no, not because it’s easier but because it won’t cause me so much post-vacuum misery.

That, and since it’s *my* vacuum, my wife will probably make me do more of the vacuuming myself.

This is a win/win situation for both of us!

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PIAC Post Extension:

Rainbow E2For the record, the model I purchased is the Rainbow E2.

You can look it up if you like. It’s a canister vacuum that doesn’t use a bag — it uses a pan of water that you fill each time to collect the dust, dirt, dog food, Legos, and Barbie shoes and things.

The whole marketing gimmick that they use is that “wet dust can’t fly”.

It’s a pretty fair statement — wet dust really doesn’t fly — but it sounds like a load of crap at the same time — you know, like how a Dyson can cruise around corners on it’s ball and “never loses suction”.

Yeah, okay, whatever Jim… That fancy accent of yours isn’t going to fool me.

I’ve never personally had a Dyson but I’ve also never had a problem taking a corner with a vacuum cleaner either…

But here’s the thing — the ridiculous gimmick of the water reservoir on Rainbow vacuum cleaners *actually* works. That and a design where there isn’t a fan blowing right on top of where you’re vacuuming doesn’t hurt either.

Yeah, this is a glowing review. This thing works, I’m telling you, and I don’t even have it in my hands yet.

Twenty five years of personally living with R2-D2 proved that to me.

The newer models might not be built like a tank but the idea is still the same — and it’s still *so* much different than anything else out there.

Yeah, I’m talking to you Dirt Devil, Electrolux, Hoover, Eureka, Dyson, and Bissel…

It’s a shame that so few people have ever even heard of Rainbow.

And seriously, who doesn’t like R2-D2?

By the way, the latest models use a blue colour scheme… Yep, just like the real R2…

And I’d bet than in another 30 years, Duncan will be saying to his wife, “We should buy one of those vacuums that looks like that beeping robot in that dumb space movie my dad liked…”

And it’ll be a wise decision.

Posted on March 8th, 2010 at 7:42 pm by Brainy Smurf
Life, Retro | 1 Comment »

Net Worth Update: March 2010 (+$8,784)

March 2010 Net WorthFirst off, I want to say that I can’t *believe* that no one commented on the pink snowman

I’m going to go on record (again) and proclaim that I think that it was super awesome.

Anyway…

February turned out to be a pretty profitable month for me but looks can be deceiving…

I mean, anytime that you suddenly find $3847 extra in your checking account, well, it’s probably going to be a good month.

Outside of that, I was “up” in every category except for the value of my home and that was only like a 0.4% drop. I can handle that.

So here’s the breakdown:

Cash:
This is all because of my tax refund. I don’t have $6k available anymore either. I spent most of it on hookers and blow.

No, actually, the details are in the previously mentioned Pink Snowman post.

Yeah, that’s right. I just plugged it again.

Savings:
Not bad. My savings rate isn’t what it used to be but I’m perfectly happy with a $1400 increase. If only ING would stop lowering their interest rates…

They’ve lowered the rate 3 times in the past month — currently 1.095%. That blows.

Gov’t Bonds:
I still don’t understand government bonds but at least, unlike last month, I earned some interest. And a lot more than 1.095% too…

401k:
Making my way towards the 6-figure mark. It’s very possible that this is the year.

Home:
I have a feeling that I’ll be hovering around that $210,000 mark for a long time. That’s okay — it’s worth more to me anyway — even in this condition.

Auto 1 & Auto 2:
I’ll never fully understand how websites come up with these numbers. My Scion xA is apparently worth $25 more these days. Must’ve been that full tank of gas that I put in right at the end of the month that boosted it’s value…

Credit Cards, Auto Loans, and Other Loans:
Zilch. Zero. Nada.

Mortgage:
Still cranking along. I’ve been debating a refinance lately. Not a cash-out version but the boring regular variety to lower my payment which, in turn, should boost my savings. Seems like a much safer route though I haven’t really looked into it very deeply.

Posted on March 6th, 2010 at 6:26 am by Brainy Smurf
Finance, Net Worth Updates | 2 Comments »

Beware of the Pink Snowman

The Pink SnowmanLast night I posted that I’d managed to only spend $2999.72 for the entire month of February.

Well, already today, just one day into the month of March, I’ve spent more than that.

Yep, $2000 towards the mortgage, $900+ to the fine folks at Allstate for auto insurance, and a couple hundred dollars as a business tax payment…

And it gets worse — we have a few pricey auto repairs on the horizon (this coming weekend), the need for a new vacuum cleaner (this week, hopefully), and there’s something else that I’m strugging to remember right now but it’s expensive too…

By the way, isn’t that a great snowman?

We had snow in the forecast pretty much every other day up in the northeast all month long and a house just around the corner — and on my way to work — had this beast in the front yard.

The people that live there are, well, I’d classify them as white trash (who hangs laundry out to dry in a snow storm on a regular basis?) but, man, they build a mean snowman.

He was a little past his prime when I took this photo but you get the idea — he was a two-legged pink Valentine’s Day snowman — easily 8+ feet tall.

Simply awesome.

I’m hoping that his awesomeness can deflect some attention from my HUGE expenditures.

Is it working?

Posted on March 1st, 2010 at 7:12 pm by Brainy Smurf
Finance | 1 Comment »

Spending Report for February 2010

Double Gold for Hockey CanadaSure, February’s the shortest month of the year but I’m still inconspicuously patting myself on the back for a job well done.

This isn’t the smallest sum that I’ve ever reported but it’s pretty close.

In short, I think that this is about the best I can do without pinching pennies to the point that our standard of living takes a dip *and* still overpay on the mortgage by such a large amount.

This also marks the 12th month that I’ve been reporting my spending. I’m not so sure that it’s opened my eyes to anything new but I do think it’s helping me keep my free-spending a bit more under control as I don’t want to shame myself online at the end of each month…

Anyway, here’s where the money went:

  • $1850.00 : Mortgage
  • $274.13 : Natural Gas
  • $177.34 : Electricity
  • $175.82 : Business Expenses
  • $113.02 : Taxes
  • $111.50 : Cable/Internet
  • $101.32 : Water/Sewer
  • $76.95 : Gas
  • $49.33 : Phone
  • $40.00 : Cash
  • $20.45 : Cough/Cold Medicine
  • $8.61 : Humidifier Filter
  • $1.25 : Vending Machine

That adds up to $2999.72.

Pretty good — but we’ve got some big ticket purchases on the horizon for March…

Posted on February 28th, 2010 at 9:35 pm by Brainy Smurf
Finance, Spending Report | 2 Comments »

Dropping One of my Financial Goals for the Year

Roberto LuongoOkay, I’m ditching the goal of finally getting a Roth IRA account set-up and fully funded in 2010.

It isn’t that I can’t afford to do it… It’s just that a good old fashioned incandescent light bulb finally lit up (powered by knob & tube wiring) and I re-remembered why I’d never opened an account in the first place.

The big hurdle that I don’t want to have to confront is all that business about access to the money.

Specifically, it’s the lack of access to the money — even with a Roth — that turns me off.

My 401k already has over $85k tied up that I can’t touch for the next 26 years. That’s a really long time. And it sure feels like an awful lot of money too…

A Roth IRA on top of it all would just make more of my money inaccessable — when I kinda need it.

Now I’m not going to stop contributing to my currently match-less 401k or anything. I’ve toyed with the idea but haven’t acted on it and I’m not planning to.

But I’m also not keen on the idea of locking more of my income away where I can’t get at it.

A decent selection of plain Jane mutual funds would probably suit me better. Same risk with full access.

(The tax implications, or ‘advantages’, are, as far as I’m concerned, minimal.)

And that’s the key — if I need the money before my knees are completely shot (which I will), I can get it.

For now, though, the money that would have gone to fund the Roth IRA will be probably be split very unevenly between savings and mortgage overpayments.

Sorry — you just can’t convince me that having your house paid for in your mid-thirties is a poor financial strategy…

To me, eliminating the biggest monthly bill forever is financial freedom.

Oh, yeah, and GO CANADA!

Posted on February 28th, 2010 at 7:26 am by Brainy Smurf
2010 Goals, Finance, Roth IRA | 2 Comments »

Taxes Filed - Refund(s) Received!

2009 Taxes FiledI’ve been *so* behind with posting over the last few months so much so that I didn’t even do my annual “I Filed my Taxes Today” post this year.

Cutting to the chase, I filed my taxes back on February 13. It was a fun filled Saturday morning spent in front of the computer telling TurboTax that, no, once again, I did not earn any income working on a farm and I don’t have an illegal alien working as a maid and living under the basement steps.

Seriously — you spend far too much time answering questions that only apply to a tiny tiny tiny slice of the population but good luck finding where to enter how much you paid in property taxes…

Or how to get your $1000 credit for making a person? I checked the box but I didn’t see my refund magically go up $1000… Whatever…

Anyway, 2009 was a bit of a step backwards in the Smurf household. We earned around $10k less.

That’s okay though — unlike a lot of folks my age, I’m fully aware that my top earning days are behind me. I neve expected my income to continually rise the way it did through my twenties and I’ve definitely run into a plateau of sorts.

Maybe 2010 will be better but I doubt it. Some might blame the economy, or whatever, but the fact is, at a certain point, you just level off. I’m cool with that.

The good news is that we didn’t owe this year like we did last year. I wasn’t sure *how* that was the case last year but we took steps to make sure that it wouldn’t happen again.

Making $10k less didn’t hurt our cause either.

In the end, as you can see up at the top, we received $2585 back Federal and $1262 back from the State for a grand total of $3847.

No small sum but I have to admit — I really thought we’d be getting more.

I’m glad that I wasn’t counting on it but I almost feel naive for actually thinking that having a kid would “aid” me in my taxes in a get-rich-quick sort of way.

Right now, it sorta feels like that “buy a house and you’ll get tons of money back on your taxes” myth. I fell for that one too.

Gee — borrow over a hundred thousand dollars, pay thousands upon thousands of dollars in interest and then we’ll give you $30 back on your taxes for your troubles. Such a deal!

Maybe it’s just me…

Oh, and I’m pretty sure I ranted about this last year but I’m going to rant about it again this year cause it really rubs me the wrong way…

In the mail, I received a Form 1099-G from the State of Connecticut indicating that I “earned” $1258 from them in 2009 and that I had to report it as income on my taxes.

Okay, so I was over taxed in 2008 by $1258. Then, in 2009, they refunded me the $1258. And finally in 2010, I need to pay taxes on that same $1258 that I overpaid in 2008.

So, wait, why again do I have to pay taxes on my refund?

I already over paid taxes on it once — the state gave it back to me — and then I had to pay taxes on it again?

Double taxation, no?

Posted on February 27th, 2010 at 9:45 am by Brainy Smurf
Finance, Rants, Taxes | 3 Comments »

Progress Chart Resurrected

See it over there?

That little chart right above the coffee cup all but begging you to subscribe to my feed?

Well, the last time I used a progress chart was back in 2008 — the year that I plowed through just about every single goal I’d set for myself.

Then, in 2009, having accomplished so much, I got a little fluffy and failed to accomplish much of anything.

I didn’t use a chart in 2009 and I think it might have been partially to blame for my lack of progress too…

So it’s back.

And hopefully it’ll work.

I’ve got a looooonnnnggggg way to go — roughly $26,266 — to accomplish my goals for 2010.

Posted on February 8th, 2010 at 6:55 am by Brainy Smurf
2010 Goals, Finance, Motivation | 3 Comments »

Video Arcades and McDonald’s Hamburgers…

McDonald'sI’ve recently rediscovered my love for McDonald’s hamburgers.

At one point in high school I was convinced that I could eat two McDonald’s hamburgers for every meal indefinitely.

Not to date myself too much but back then a McDonald’s hamburger was 59 cents. Two of them came to exactly $1.25 including Connecticut sales tax.

That meant that the quarter that I pocketed each weekday from the lunch money my mother gave me was enough to buy a late night weekend meal with my friends after an evening spent at the video game arcade.

Okay, if that doesn’t date me, I’m not sure what will…

Seriously, how did video arcades survive into the 1990’s?

Anyway, for a few years there in my twenties, I was starting to think that maybe my father might have been correct in avoiding McDonald’s like the plague during my childhood while repeating something along the lines of “Someday you’ll stop wanting to go there…”

I still visited McDonald’s now and then — usually because their fries are the best around if you’re lucky enough to get a fresh batch (a rare occurrence) — but I really hadn’t ordered a hamburger in quite some time…

So a few weeks ago, I had a craving for a McDonald’s hamburger… Wow — I’d venture to guess that I had my very first hamburger there in the late 1970’s and today, in 2010, they taste exactly the same.

There’s just, well, I don’t know what to call it, but there’s something about the texture of those bland and flavorless little onion bits and the piping hot pickle and the less than fresh bun that looks like it’s been stepped on.

It’s like peculiar form of perfection.

They’re not 59 cents anymore but they’re still a pretty decent bargain.

So last weekend I introduced Duncan to McDonald’s:

Here’s to hoping he continues to enjoy their signature item for years to come…

…and avoids the cheeseburger.

That thing tastes like cardboard.

Posted on February 7th, 2010 at 6:55 am by Brainy Smurf
Bargains, Food, Retro | 1 Comment »

Spending Report for January 2010

Well, I fared better than I did in December but I didn’t exactly keep my spending in check as closely as I’d wanted or even expected to.

That said, there were a few budget busters at fault for my breakdown — most notably that unplanned but definitely necessary fileserver that I purchased along with all of it’s related accessories.

The high utility bills certainly didn’t help either…

Anyway, here’s where all of the money went:

  • $1850.00 : Mortgage
  • $1134.51 : Business Expenses
  • $335.24 : Natural Gas
  • $233.67 : Electricity
  • $120.00 : Cash
  • $111.50 : Cable/Internet
  • $66.93 : Gas
  • $57.77 : Phone
  • $34.20 : Clothing
  • $8.00 : Car Wash
  • $3.75 : Vending Machine

All together, that adds up to $3955.57.

I suppose I could pat myself on the back for keeping the sum under $4k even while dropping over a grand on the previously mentioned business expenses… but I’m not going to go that route.

I still spend far more than I *need* to.

Sure, I guess I could make the argument (to myself and with myself) that I can *afford* to spend this much, I mean, my net worth still went up, but, really, I think my true expenses (minimum payments across the board) only add up to around $2000 per month.

I routinely spend double that?!

On the success front, though, you might notice something absent in this month’s spending report — or you might not… The hockey jerseys.

Usually a staple in these reports and, more often than not, they’re in the second or third spot too. Not this month.

So far, that’s the only goal for 2010 that I’ve adhered to.

It’s still early though… ;0)

Posted on February 6th, 2010 at 9:28 pm by Brainy Smurf
Finance, Spending Report | 3 Comments »

Net Worth Update: February 2010 (+$1,845)

Sorry it’s nearly a week late.

I’ve been a combination of tired, sick, busy, unmotivated, overworked, and underpaid.

Par for the course in the middle of the winter, I suppose, but now that I’ve run the numbers I’m feeling alright.

January didn’t really “feel” like a positive but somehow it turned out to be.

My 401k didn’t bail me out this time or even an upswing in the value of my home — the big movers were the contributions to my savings account and the extra payments I made on my mortgage — two things that are 100% dependent on me.

That’s pretty reassuring, you know, knowing that it’s still me in the drivers seat and that I’m making sound decisions.

Anyway, here’s the breakdown:

Cash:
I feel like I’m living paycheck-to-paycheck but somehow I managed to keep this about $2000. I think the main reason is that I got paid right at the end of the month — I’m not a fan of when biweekly paychecks land on the calendar this way. I always feel like I’m short on money when the bills come in…

Savings:
And because I felt short on money (and those nasty utility bills caught me by surprise), I had to ease off of my pace here — and even take a bit from savings to cover some of my expenses. In the end, I still ended on a very positive note.

Gov’t Bonds:
Okay, it’s official. I don’t understand government bonds at all. I didn’t earn ANY interest in January. Not one dime. Now I realize that the current rate on some of the bonds is 0% right now but I’ve got a handful that I’ve had for years that have a fixed portion that is, well, it’s not zero. So, yeah, I haven’t got a clue and for all the research I’ve done, well, it still doesn’t make sense.

401k:
Well, it couldn’t last forever, right? I think that this downturn is just the tip of the iceberg — especially after the performance this first week of February.

I’d talked about lowering my contributions — and even stopping them — for 2010 but never made the move. Now, with things falling, it’s even more unlikely for me to change anything.

Home:
Hooray! I just felt like saying that.

Auto 1 & Auto 2:
My daily driver, Auto 1, really needs an oil change. And a belt or something to be tightened. If I don’t warm it up, it squeals like a pig.

The BMW has been sitting in the garage pretty much since Duncan was born. Each year I tell myself that I’ll drive it more but I never seem to.

Hey, at least it’s not losing value and, really, now that it’s over a dozen years old, it can’t be much longer until its value starts to increase. Right? Please?

Credit Cards, Auto Loans, and Other Loans:
Zilch. Zero. Nada.

Mortgage:
I just want this thing paid off. It’s the white elephant in my pile of bills. And, yes, the mortgage is supposed to be the white elephant but that doesn’t mean I have to like it.

Posted on February 6th, 2010 at 7:01 am by Brainy Smurf
Finance, Net Worth Updates | 2 Comments »

TMI : Grape Fanta and Vienna Fingers

Vienna Fingers & Grape FantaI’ve failed.

Nearly 9 months in, 242 days to be exact, I have officially been (soundly) defeated by a soiled diaper.

Yep, the smackdown took place yesterday morning as we were eating cookies and watching ice hockey highlights on television together on the couch.

Sniff, sniff… Suddenly a waft of not-so-sweetness overtook the room.

Eh, routine diaper change coming up. Or so I thought

I quickly learned that this was not going to be a typical diaper change.

Oh no, this was one for the ages…

I’d guesstimate that Duncan has 3 or 4 blowouts per week so it’s not exactly an unusual occurance. Thankfully, though, 90% of them happen while he’s at school (which is what they call daycare these days), so it’s not usually *my* problem.

With my wife in the shower, well, this one was all me.

As is fumbled with the snaps holding his pajama-with-feet outfit together, it became apparent that I had a, um, mess on my hands. We’re talking “Global Thermonuclear War“… and a mess on my hands. Literally.

Fighting a pair of kicking legs, I tried in earnest to control the, well, let’s just call it “insanity”.

Doing my best to keep the, um, “insanity” contained, I used a few wipes here, a few wipes there, a clean diaper over there, and even a bit of his outfit to get it out from between his toes, you know the drill…

I was doing pretty well, or so I thought, and then I coughed…

I gagged.

And then I heaved.

I pressed on though. Had to complete the mission, you know?

But then, holding the little guy’s lower end in the air by the ankles over an overflowing diaper with “insanity” smeared all over much of my free hand, my mouth suddenly filled with a mixture of Vienna Fingers and grape flavored Fanta.

Uh-oh…

I’ve probably already “spilled” too much info here but I’m sure you get the gist of what happened next.

Anyway, I’m still patting myself on the back for lasting 241 days longer than I ever thought I would.
The Guilty Party...
He looks guilty, doesn’t he?

Posted on January 24th, 2010 at 6:55 am by Brainy Smurf
Life, Smurfling | 3 Comments »

Shock & Awe: Electricity & Gas Bills

Sleeping DuncanMy electric bill and natural gas bill were the highest that they have ever been this past month.

It wasn’t even close — I blew my previous highs (from 2005) out of the water.

Now I know that the winter season is upon us and there were a few weeks of frigid weather back in December but an electric bill of $233.67 and a natural gas bill topping out at $335.24 totally caught me by surprise.

At first I thought it was a mistake. Or maybe it was an extra long billing cycle…but it wasn’t either of those.

Ouch.

I loosely budget $500 per month for bills — water, gas, electricity, phone, and cable.

Those two bills alone exceed my budget.

So what’s different from years past?

I’ll tell ya.

Duncan.

See, he hasn’t quite figured out what a blanket is for yet.

He all but refuses to sleep underneath one and, as a result, we keep the heat on a little higher and an electric heater running in his room all night.

That costs a lot.

Okay, so maybe I was a little premature in stating that kids don’t cost that much!

Posted on January 20th, 2010 at 8:28 pm by Brainy Smurf
Finance | 4 Comments »