| Federal Judge: Discharge Proper; Debtor Failed Feasibility Test |
| LOUISVILLE, Ky A federal judge in Kentucky on Aug 24 ruled that a debtor failed the feasibility test for Chapter 13 debtors; therefore, a bankruptcy court properly dismissed her case (Theresa M Gerstle v Republic Bank & Trust, No 10 67, C (more) |
| Federal Judge Reverses; Bankruptcy Plan Denied; Collateral Valued Improperl |
| INDIANAPOLIS A federal judge in Indiana on Aug 16 reversed a bankruptcy court's ruling and said a Chapter 13 plan that improperly values collateral securing a debt cannot be confirmed (Americredit Financial Services v Elliott Jacobs, et al , No (more) |
| Federal Judge Reverses; Evidence Supports Finding That Debtor Abused Proces |
| FORT WORTH, Texas A federal judge in Texas on Aug 19 reversed a bankruptcy court's ruling, holding that it applied the wrong standard when it determined that a debtor had not abused the bankruptcy process (United States Trustee v Cindy Ann Hilme (more) |
| Federal Judge Dismisses Civil Rights Claim; Debtor Did Not List It In Bankr |
| TOPEKA, Kan A federal judge in Kansas on Aug 20 granted a motion dismissing an employment discrimination claim against the U S postmaster general on grounds that the woman asserting the claim failed to indicated the existence of the lawsuit on (more) |
| Bankruptcy Judge Rules Creditor May Seek Assets Regardless Of Dismissal |
| DAYTON, Ohio A federal bankruptcy judge in Ohio on Aug 18 ruled that a creditor could pursue exempt assets during or after the pendency of a bankruptcy case regardless of the likelihood that the case might be dismissed (In Re: William H Hibbard, (more) |
| Bankruptcy Judge: Agreement Between Debtor, Creditor Not Permissible |
| CHICAGO A federal bankruptcy judge in Illinois on Aug 25 denied a joint motion by both a debtor and a creditor that sought the approval of a settlement of the creditor's claim, ruling that the settlement would adversely affect other creditors (C (more) |
| 6th Circuit Affirms Dismissal Of Bankruptcy; Discretion Not Abused |
| CINCINNATI A panel of the Sixth Circuit U S Court of Appeals on Aug 24 affirmed the dismissal of a debtor couple's case, ruling that the bankruptcy court did not abuse its discretion (Carl E Pertuset v American Savings Bank [In Re: Carl E Per (more) |
| Federal Judge: Collection Agency Violated Law; Award Needs To Be Recalculat |
| MONTGOMERY, Ala A federal judge in Alabama on Aug 13 ruled that a debt collection company had violated federal law when it sought to collect on a debtor's obligations but remanded the matter for a proper calculation of the damages awarded by the (more) |
| Federal Judge: No Error; Adversary Complaint Properly Dismissed |
| CLEVELAND A federal judge in Ohio on Aug 18 ruled that a bankruptcy court did not commit 'clear error' in dismissing a debtor's adversary complaint against the U S government regarding its practice of denying payment of federal income tax overpa (more) |
| Split 9th Circuit: Debtors Liable For Capital Gains Tax On Sale Of Farm |
| SAN FRANCISCO A divided Ninth Circuit U S Court of Appeals on Aug 16 ruled that a debtor couple was liable for taxes on the capital gain arising from the sale of their family farm, the proceeds of which were intended to be used to satisfy variou (more) |
| Federal Judge Warns Debtor, Dismisses Foreclosure Action For Lack Of Jurisd |
| SAN ANTONIO A Texas federal judge on Aug 13 ruled that she lacked jurisdiction to hear a debtor's appeal of a state court order concerning the foreclosure of his home and admonished the debtor to observe federal rules of procedure (Robert F Rigg (more) |
| Federal Judge: Lender Gave Proper Notice Of Impending Foreclosure |
| MINNEAPOLIS A federal judge in Minnesota on Aug 25 refused to grant a temporary restraining order to prevent foreclosure proceedings, finding that the mortgage lender being sued by the debtors had given proper notice (Brenda Nelson, et al v Fai (more) |
| Federal Judge: Lender Liable For Damages; Federal Law Violated |
| SALT LAKE CITY A federal judge in Utah on Aug 26 reversed a bankruptcy court's ruling and held that a lender was in fact covered by the Truth In Lending Act (TILA) because of its role in securing loans for the debtor (J Kevin Bird v Winterfox L (more) |
| Federal Judge: Trustee May Avoid Mortgage; Document Defective |
| GRAND RAPIDS, Mich A federal judge in Michigan on Aug 25 ruled that a trustee could avoid a lender's mortgage on a debtor's property because the mortgage was defective under Michigan law (Wells Fargo Home Mortgage Co v Thomas C Richardson [In (more) |
| Federal Judge: Lender Not Entitled To Attorney Fees; Contract Language 'Cle |
| HOUSTON A federal judge in Texas on Aug 19 ruled that a lender was not entitled to recover attorney fees in a bankruptcy because the terms of the contract it had with the debtor permitted such fees to be paid only for legal services used to prote (more) |
| 8th Circuit Rules Trustee's Complaint Timely Filed |
| ST LOUIS A panel of the Eighth Circuit U S Court of Appeals on Aug 23 ruled that a trustee's adversary complaint seeking to avoid transfers a debtor made to his wife was timely filed (Richard D Myers v Maureen Raynor, et al [In Re: John P R (more) |
| Federal Judge Rules Debtor Not Entitled To Exemption For Annuity |
| TOPEKA, Kan A federal judge in Kansas on Aug 9 affirmed a bankruptcy court's decision denying an exemption for a debtor's annuity on grounds that Kansas law did not allow the exemption sought (Elisha S Ortiz v Eric C Rajala, No 10 2010, Chap (more) |
| 7th Circuit Rules Bankruptcy Fraud Conviction Valid; Alternative Theory Fai |
| CHICAGO A panel of the Seventh Circuit U S Court of Appeals on Aug 18 affirmed the conviction of a lawyer whose firm filed fraudulent bankruptcy petitions, ruling that the attorney's claim that a different attorney at the firm was liable was not (more) |
| Federal Judge: Debtors' Petition Abusively Filed Under Bankruptcy Code |
| HARRISONBURG, Va A federal judge in Virginia on Aug 19 ruled that a debtor couple's bankruptcy petition was 'presumptively abusive' under the bankruptcy code and said they had not rebutted the trustee's evidence to that effect (Gregory S Willia (more) |
| Bankruptcy Judge: Stay Lifted; Debtor's 'Fresh Start' Not Impeded |
| DETROIT A federal bankruptcy judge in Michigan on Aug 24 denied a debtor's motion for reconsideration and said that the automatic stay should be lifted to allow arbitration to proceed in an underlying state court action (In Re: Michael George Her (more) |
| Federal Judge: Stay Violated; Damages Owed To Debtors |
| BEAUMONT, Texas A federal judge in Texas on Aug 23 ruled that a creditor violated the automatic stay in a bankruptcy proceeding but said the damages to which the debtors were entitled was a small amount (Leo Rogers Dugas, et al v Claron Corpora (more) |
| Bankruptcy Court Allows Credit Union Partial Relief From Automatic Stay |
| DAYTON, Ohio A federal bankruptcy judge in Ohio on Aug 18 granted a credit union partial relief from the automatic stay to set off the balance of a debtor couple's account against obligations they owed to the credit union (In Re: Timothy J McDon (more) |
| Bankruptcy Judge: Duty Not Shown, Debt Not Excepted From Discharge |
| BROOKLYN, NY A federal bankruptcy judge in New York on Aug 23 ruled that a creditor failed to demonstrate that a debtor had breached a fiduciary duty; therefore, the debt owed was not excepted from discharge (Grow Up Japan Inc v Ko Yoshida [In (more) |
| 6th Circuit BAP Rules Debt Nondischargeable Based On Malicious Conduct |
| CINCINNATI The U S Bankruptcy Appellate Panel (BAP) for the Sixth Circuit on Aug 20 ruled that a debtor couple's obligation to a creditor was nondischargeable because it stemmed from underlying malicious conduct (Nicole M Phillips, et al v Ra (more) |
| Federal Judge Rules Debt Dischargeable, Conduct Not Shown To Be Malicious |
| OKLAHOMA CITY A federal judge in Oklahoma on Aug 19 affirmed a bankruptcy court's ruling of dischargeability on grounds that the creditor failed to provide evidence of 'willful and malicious' conduct (American Computer Company v Lanny Allan Lamp (more) |
| 3rd Circuit Rules Appeal Moot; Debtor's Student Loans Were Repaid In Full |
| PHILADELPHIA A panel of the Third Circuit U S Court of Appeals on Aug 19 ruled that a debtor's appeal of a nondischargeability ruling pertaining to his student loans was moot because the obligation had already been paid in full (In Re: Irving C (more) |
| Federal Judge Orders Debtors To Show That Their Appeal Is Based On A Final |
| MADISON, Wis A federal judge in Wisconsin on Aug 13 ordered a debtor couple to amend their brief to explain why the bankruptcy court order granting a creditor permission to file a late objection to discharge is a final and appealable order (Ty M (more) |
| Federal Judge: Debtor's Obligation To Pay Fees Not Discharged With Bankrupt |
| CLEVELAND A federal judge in Ohio on Aug 20 held that a debtor's obligation of paying attorney fees in a discrimination lawsuit was not voided when the bankruptcy was discharged (Anthony Garner v Cuyahoga County Juvenile Court, No 02 1286, Chap (more) |
| Federal Judge: Debt Not Discharged; Debt Incurred After Bankruptcy Filed |
| SACRAMENTO, Calif A federal judge in California on Aug 24 affirmed a bankruptcy court's ruling that an obligation that a debtor thought had been discharged with her bankruptcy actually had not been because the debt was incurred after the bankrup (more) |
| Bankruptcy Judge Denies Sanctions, Orders Hearing On Dismissing Bankruptcy |
| CHARLESTON, W Va A federal bankruptcy judge in West Virginia on Aug 13 refused to order sanctions against a debtor for abusing the bankruptcy process, but ordered an evidentiary hearing on the issue of whether the bankruptcy, in its entirety, sh (more) |
| Amici Tell U.S. High Court Debtor May Not Claim Vehicle Ownership Deduction |
| WASHINGTON, D C A law professor and the U S government on Aug 13 filed separate briefs with the U S Supreme Court, arguing that a debtor seeking a vehicle ownership deduction from his disposable income despite not owning a car that requires a (more) |
| Debtor Not Allowed To Claim 'Phantom' Expenses, Bank Tells U.S. High Court |
| WASHINGTON, D C A bank that contends that transportation ownership expenses are not permitted in a bankruptcy when a debtor has no car payment filed a brief on Aug 6 in the U S Supreme Court, insisting that 'phantom' expenses cannot be deducted (more) |
| 4 ways to save on title insurance |
| Shopping around and negotiating add on fees can cut costs Asking for 'simultaneous issue rate' can net savings Tough negotiators can get sellers to pay the bill When potential homebuyers find their dream homes, they're often too busy dreaming abou (more) |
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| Kuwait Finance House Launches KFH Personal Financing-i Hajj and Umrah |
| Source : Zawya Kuwait Finance House (Malaysia) Berhad (KFHMB), the first foreign Islamic bank in the country, has launched the KFH Personal Financing i Hajj and Umrah on 2, September, 2010 The unique product has been designed for Muslim customers to (more) |
| Are These 5 Companies Misstating Their Accounts? |
| It's the corporate announcement no (long) investor wants to hear When a firm announces that it's restating its financial accounts to correct an error, its stock typically takes a dive That leaves investors holding the bag, with potentially calamito (more) |
| Chase Continental Airlines OnePass® Plus Card |
| As I live not too far from Newark, New Jersey, many of my flights around the country are serviced by Continental Airlines, an airline with a significant hub at Newark Liberty International Airport Like all airlines, Continental has been cutting serv (more) |
| Personal Balance Sheet, August 2010 ($382,103, +3.4%) |
| If you follow the endless financial news, you might have heard that the stock market ended August on a sour note My investments suffered like those of many investors around the world The only investment I’ve been adding to for the last few mo (more) |
| A Real Black Swan... |
| If it is true which I cannot vouch for but this is fascinating and something I have to say I have never thought of A reader who goes by the name Paul H M at Seeking Alpha left the following comment on a post by George Speicher We're not really (more) |
| Realty Q&A: Don't tap retirement fund to pay off mortgage |
| In this week's Realty Q&A, a retiree says his only debt is his $94,000 mortgage, and he wonders whether he should tap his 401(k) to pay off that bill Lew Sichelman offers some advice (more) |
| Robert Powell: Health law's retiree perk won't last long |
| If you are among the estimated 1 3 million retirees too young to qualify for Medicare but fortunate enough to have employer sponsored health care coverage, count your blessings The next two years could bring a bit of a windfall (more) |
| Is Cummins Going to Earn or Burn? |
| Margins matter The more Cummins (NYSE: CMI) Here's the current margin snapshot for Cummins and some of its sector and industry peers, and direct competitors Source: Capital IQ, a division of Standard & Poor's Unfortunately, that chart doesn't tell (more) |
| The Principal Recognizes National 401(k) Day by Encouraging Saving at Any S |
| 'National 401(k) Day is a good reminder for plan sponsors to reinforce with employees the advantages of participating in their workplace retirement plan,' said Greg Burrows, senior vice president of retirement and investor services 'This year's (more) |
| Don't Let It Happen, Weatherford |
| Many investors, especially during earnings season, seem to focus on the income statement How much revenue was there? How much net income was there? Yet that focus can be dangerous, because the balance sheet actually tells us a lot about how the comp (more) |
| The U.S. vs. Steve Jobs |
| Each month the U S government issues reports about the state of our economy How do those conflict with the quarterly reports of major public companies and what, ultimately, do they tell us? I asked Zachary Karabell, president of River Twice Researc (more) |
| The Principal Recognizes National 401(k) Day by Encouraging Saving at Any S |
| Extract not available (more) |
| Who Killed the E*TRADE Baby? |
| E*TRADE (Nasdaq: ETFC) The voiceover work is deep and crisp The new 'investing unleashed' tagline is cemented by assuring nuggets of self investing wisdom, including: There's something missing, though The mouthy E*TRADE Baby who has anchored the (more) |
| The 7 Most Popular High Yielders in Real Estate |
| As an investor, it doesn't pay to follow the crowd In this series, though, we highlight a possible exception the collective wisdom of our CAPS community Read the next section if you're unfamiliar with our methodology Skip it if you want to go (more) |
| How Did You Manage That, Hudson City Bancorp? |
| In 2000, General Electric posted its 100th consecutive quarter of growth in continuing operations That's 25 years Raise your hand if that sounds just a bit suspicious Whatever business you're in, that feat just isn't possible unless your company's (more) |
| Personal Finance: What about me? |
| I love reading the Ask Amy column The syndicated columnist gives witty and straightforward responses to a wide variety of questions from her readers In one of her recent columns, I was cheering the advice she gave to a woman complaining about money (more) |
| What's the Best ETF Right Now? |
| With thousands of stocks to choose from, the stock market can be daunting for new and experienced investors alike Exchange traded funds provide an easy way to instantly and affordably buy into whole sectors of the market, giving your portfolio (more) |
| Meet the Cash Kings of Beer |
| As an investor, it pays to follow the cash If you figure out how a company moves its money, you might eventually find some of that cash flowing into your pockets In this series, we'll highlight three big dogs in an industry, and compare their 'cash (more) |
| Credit Card Offers Are Worded to Deceive You |
| Credit card offers are written to entice you to apply and some of the wording is a bit exaggerated CardRatings com has a list of the 8 Most Deceptive Terms Used in Credit Card Offers and I definitely agree with the list I've seen quite a few of the (more) |
| Time to Trade Up? Online Training Academy Offers Free Full Day Trading/Inve |
| WHAT: Join some of the top trading instructors in the country for a free full day session to consider trading as a source for extra income or to become a full time professional trader Expert traders with the will share tips on how to minimize risks (more) |
| CommSec Market Update:12.15am Friday 3 September |
| Extract not available (more) |
| Capital Libre! at TD - Toronto-Dominion looks to early 2011 |
| Capital Libre! at TD Toronto Dominion looks to early 2011 for surplus capital on its books to be liberated
Do you have financial and money maturity? Every one needs financial maturity
How is it developed?
Financial Maturity (more) |
| Sails Branded, Women Climb, Bear Hunted, Woman Deforested - |
| Sails Branded, Women Climb, Bear Hunted, Woman Deforested Who needs billboards when you can mess up the nautical l
Do you have financial and money maturity? Every one needs financial maturity
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| Farmville Players Guide - Video Games Community for GamersCo |
| Farmville Players Guide Video Games Community for GamersComment at Faves | View original page
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| Delta Air Lines Plans 747 Seating Upgrades - We reported ear |
| Delta Air Lines Plans 747 Seating Upgrades We reported earlier this week how American Airlines plans to upgrade th
Do you have financial and money maturity? Every one needs financial maturity
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| Sails Branded, Women Climb, Bear Hunted, Woman Deforested - |
| Sails Branded, Women Climb, Bear Hunted, Woman Deforested Who needs billboards when you can mess up the nautical l
Do you have financial and money maturity? Every one needs financial maturity
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| Osnaburg schools adds soldier's name to memorial garden |
| Osnaburg schools adds soldier's name to memorial garden
Do you have financial and money maturity? Every one needs financial maturity
How is it developed?
Financial Maturity Blog
Debt Settlement Attorneys (more) |
| Texas county scrambles to replace e-voting machines destroye |
| Texas county scrambles to replace e voting machines destroyed in fire
Do you have financial and money maturity? Every one needs financial maturity
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| Farmville Players Guide - Video Games Community for GamersCo |
| Farmville Players Guide Video Games Community for GamersComment at Faves | View original page
Do you have financial and money maturity? Every one needs financial maturity
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Financial Maturity Blog
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| Texas county scrambles to replace e-voting machines destroye |
| Texas county scrambles to replace e voting machines destroyed in fire
Do you have financial and money maturity? Every one needs financial maturity
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Financial Maturity Blog
Debt Settlement Attorneys (more) |
| Percept Limited restructures entertainment division - Percep |
| Percept Limited restructures entertainment division Percept Limited has restructured its entertainment division, P
Do you have financial and money maturity? Every one needs financial maturity
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| First Community Bank in Direct Discussions with Potential In |
| First Community Bank in Direct Discussions with Potential Investors Regarding Its Capitalization
Do you have financial and money maturity? Every one needs financial maturity
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Financial Maturity Blog
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| Texas county scrambles to replace e-voting machines destroye |
| Texas county scrambles to replace e voting machines destroyed in fire
Do you have financial and money maturity? Every one needs financial maturity
How is it developed?
Financial Maturity Blog
Debt Settlement Attorneys (more) |
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| First Community Bank in Direct Discussions with Potential In |
| First Community Bank in Direct Discussions with Potential Investors Regarding Its Capitalization
Do you have financial and money maturity? Every one needs financial maturity
How is it developed?
Financial Maturity Blog
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| San Jose company recalls shredded pork skin |
| San Jose company recalls shredded pork skin
Do you have financial and money maturity? Every one needs financial maturity
How is it developed?
Financial Maturity Blog
Debt Settlement Attorneys (more) |
| First Community Bank in Direct Discussions with Potential In |
| First Community Bank in Direct Discussions with Potential Investors Regarding Its Capitalization
Do you have financial and money maturity? Every one needs financial maturity
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Debt S (more) |
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| First Community Bank in Direct Discussions with Potential Investors Regarding Its Capitalization
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Do you have financial and money maturity? Every one needs financial maturity
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| San Jose company recalls shredded pork skin
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| secured credit cards canada - Secured Credit Cards Canada |
| secured credit cards canada Secured Credit Cards Canada Secured Credit Cards: How can it assist you? A secur
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| Burger King to Be Sold for $ 3.26 Billion ! - *Burger King a |
| Burger King to Be Sold for $ 3 26 Billion ! *Burger King agrees to be sold for $3 26bn*
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| Burger King to Be Sold for $ 3.26 Billion ! - *Burger King a |
| Burger King to Be Sold for $ 3 26 Billion ! *Burger King agrees to be sold for $3 26bn*
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| Burger King to Be Sold for $ 3.26 Billion ! - *Burger King a |
| Burger King to Be Sold for $ 3 26 Billion ! *Burger King agrees to be sold for $3 26bn*
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| Random Thoughts: Back to RESP Week |
| Back to School As you could tell the topic of back to school, and more specifically back to University was on my mind this week, with two posts about RESPs, and the situation that I have been having is not resloved yet in terms of how and where I can (more) |
| Chapter 7 Bankruptcy - The Means Test |
| To prevent abuse of the bankruptcy laws, a means test was introduced in 2005 This is how it works (more) |
| After Bankruptcy - Are Credit Cards a Good Idea? |
| Credit cards can be a fast track to financial ruin However, certain cards can help rebuild your credit rating, here's how (more) |
| Chapter 11 Bankruptcy - What Is It? |
| There are many different 'chapters' in bankruptcy law, the most common being chapter 7 However, chapter 11 is more appropriate for businesses (more) |
| Builders of NYC mosque face financial hurdles |
| NEW YORK The developers planning to build a $100 million Islamic center near the World Trade Center site still have financial hurdles to clear: They haven't finished buying all the property they want for the project and are nearly a quarter milli (more) |
| My First Shares Of Stock Ever Purchased |
| I was going through some old financial files and came across an old E Trade statement which was my first brokerage account and found my first shares of stocks ever purchased in August of 2001 This was after the dot com bubble burst, and I was still (more) |
| JDSU, an Optical Giant, Enters the CPV Market |
| The concentrated photovoltaic (CPV) market has been long on promise and short on results But there have been a few hopeful signs of late Kleiner Perkins saw fit to invest And shortly after that fund raise, That's easily the largest CPV project (more) |
| Don't Let It Happen, Rite Aid |
| Many investors, especially during earnings season, seem to focus on the income statement How much revenue was there? How much net income was there? Yet that focus can be dangerous, because the balance sheet actually tells us a lot about how the comp (more) |
| Should We Ditch the 401(k)? |
| Should We 'Ditch' 401(k) Plans? The New School's Professor Teresa Ghilarducci, Employee Benefit Research Institute (EBRI) CEO Dallas Salisbury, and Alex Brill from the National Commission on Fiscal Responsibility and Reform take on 401(k)s and poss (more) |
| How Many Oil Companies Should You Short? |
| The news this morning that a Mariner Energy (NYSE: ME) Should we be buying stocks in the oil patch today? That part of my portfolio is already filled out, but if it weren't, I'd probably hold off for a while, at least until I had a little better (more) |
| What Were You Thinking, Microsoft? |
| Who says that incumbents are doomed this year? AOL (NYSE: AOL) This partnership originally seemed to be headed nowhere Google paid in 2005, securing the original deal in the process The world's leading search engine eventually dumped that stake at (more) |
| Jump on This Wealth-Making Move Now |
| Sometimes, opportunity comes buried in jargon that only a tax attorney could love The new rules around Roth IRA conversions are an excellent example I mean, I don't know about you, but terms like 'recharacterizations' and 'modified adjusted income' (more) |
| This Just In: Upgrades and Downgrades |
| At The Motley Fool, we poke plenty of fun at Wall Street analysts and their endless cycle of upgrades, downgrades, and 'initiating coverage at neutral ' So you might think we'd be the last people to give virtual ink to such 'news ' And we would be (more) |
| Whoa! What Just Happened to My Stock? |
| Resist the urge to high five everyone in the cubicles next to you Your stock may have just strapped on a rocket pack and taken off for the moon, but smart investors won't celebrate until they know that upward leap was justified Without a fundamenta (more) |
| Save money: Hire professionals in training |
| Save money with students in training 1 of 8 There's an old saying: You get what you pay for But when Christina Ferguson, a senior manager of production at the Bravo network in Los Angeles, went to a local massage school, she found that sometimes you (more) |
| Cruise line reward card dunks cardholder |
| Dear Debt Adviser, I have a bank credit card tied to rewards for a cruise line that I got a few years ago I transferred a balance to this reward card It has a balance of around $3,000 My problem is that approximately a year and three months ago I (more) |
| How to write off an unpaid business loan |
| Dear Tax Talk, We loaned a startup corporation $25,000 in the form of a promissory note two years ago It has not been able to repay the business loan and it does not look as though it has the potential to do so The note could have been converted to (more) |
| Cooking Up An Inverse Head and Shoulder Reversal |
| After posting the following, I got to thinking I say below that I will be adding to long positions and reducing cash as the market proves itself and continues successfully moving to ever higher levels A break above 1128 and I could be fully inves (more) |
| Proposal or Bankruptcy? |
| I recently lost my job due to a company liquidation I have around $50,000 in consumer debt (credit cards, line of credit etc ) A car loan and mortgage I would like to keep my car and home which take 1 2 of my unemployment earnings a month Woul (more) |
| Mr G |
| Do I have to claim inheritance money during a consumer proposal?
Posted from: Ontario (more) |
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