Call today for further information866-605-8885
 

Subscribe to LFO' s Blog

Enter your email address to subscribe to this blog and receive notifications of new posts by email.

 

unHeritage – 11 Pitfalls to Family Legacy and How to Avoid Them

unHeritage

“unHeritage is definitely the lighthouse for protecting your family and wealth for generations. This book is a must read for anyone interested in legacy planning.” Enzo Calamo

To learn more, click here

 

Center for Family Conversations

home-1b

The Center for Family Conversations (CFC) is a resource center that provides the integral tools and ideas in helping families establish a 100-year-plus Family Legacy Plan.

To learn more, click here....

 

THE TYCOON PLAYBOOK – How Business Empires Are Built

tumblr_m9i9slrFnP1qj1u29

The Tycoon Playbook course was created for business families who are already running a successful business and wish to ramp up their growth while preserving wealth for future generations. Specifically, the Playbook teaches high performance business owners the two most highly rewarded skills in business, namely deal-making and how to acquire cash flow producing business assets.

To learn more, click here

 

CNN Financial News

Apple could be America's first $1 trillion companyJust 18 years ago Apple flirted with bankruptcy. Now it's trying to become America's first [...]

Dow tumbles 250 points as stocks nosedive around worldInvestors probably wish the weekend had started early. Stock markets around the world are ugly Frida [...]

Video startup Vessel raises $57.5 millionVessel, a company that is trying to create a subscription service for web video stars, has received [...]

AmEx rejected by Costco, JetBlue and Wall StreetNot even Superman and Jerry Seinfeld could save American Express these days. (Remember those hilario [...]

Earning $75,000, but living paycheck to paycheckMiddle-class Americans are eating out too much and it's hurting them financially. [...]

Instagram details when nipples are okayInstagram is easing up on its no-nipple policy, but insists it will still scrub kiddie bathtub pictu [...]

McDonald's franchise owners are not loving itMcDonald's is trying to get its groove back, but franchise owners are not feeling it. [...]

This country fines you for being unemployedLosing your job comes with an extra sting if you live in Belarus. [...]

Verizon FIOS to let you pick and choose cable channelsVerizon FIOS will start letting customers opt in -- and out -- of the cable channels they get as par [...]

Roomba lawnmower angers astronomersRead full story for latest details. [...]

Predicting boneheaded driving with technologyLet's face it, almost all automobile crashes are caused by human error. But what if there were [...]

Her mission: To wipe out student debt for fallen soldiers' kidsFor Ashlynne Haycock, it's personal. [...]

 

CNN Small Business News

McDonald's franchise owners are not loving itA survey of McDonald's franchise owners shows they are not happy with the company's turnar [...]

I told a dude how much I made. It changed my lifeRead full story for latest details. [...]

Hey, stoners! Boost your high with ... falafel?Read full story for latest details. [...]

Beer that's been to space and backNinkasi Brewing Company sent six vials of yeast into space. The result? Ground Control, an imperial [...]

This beehive raised $5.6 million -- and that might not be a good thingFlow Hive, a new contraption that makes it easier to keep bees, is wildly popular -- but that access [...]

Drop entrepreneurs, not bombsJason Saltzman went to Kuwait as part of the State Department's effort to evangelize the power [...]

Radiator 'cozies' cut energy use by 40%Startups are some of the few organizations capable of very rapid, efficient growth and have the pote [...]

How this investor is bridging the 'bravado gap'Prominent angel investor Joanne Wilson, known as Gotham Gal, is teaming up with DreamIt Venture [...]

This refrigerator runs on water and sunlightTo help combat food spoilage in rural communities, the team behind Evaptainers developed a portable [...]

These startups thrive on being 'unreasonable'The Unreasonable Institute wants one thing: Entrepreneurs unafraid to think outside the box to tackl [...]

Energy drink scores $100K from AOL co-founderHealth drink Mati Energy beats out all tech rivals at Google Demo Day, scoring $100K investment from [...]

The futuristic bed that locks the door, brews coffeeMeet Luna, the tech-enabled mattress cover that just raised over $1.1 million on Indiegogo. [...]

 

CNN Money News

Her mission: To wipe out student debt for fallen soldiers' kidsAshlynne Haycock, an orphan of military parents, has helped more than 600 families pay for college a [...]

Earning $75,000, but living paycheck to paycheckA survey found that households are spending too much on dining out and entertainment, which is keepi [...]

College enrollment rate surges for black high school gradsRead full story for latest details. [...]

Dirty tax secrets: The little lies we tell on our taxesBoosting a number here, reducing a number there. Whether inadvertently or intentionally, a lot of us [...]

40 years of the American homeHow the typical home has evolved - price, size, interiors. [...]

Behind on retirement savings? Here are 3 ways to catch upRead full story for latest details. [...]

Where the gender pay gap is the widestNationwide, women make 78 cents to ever dollar a man earns. Here's a breakdown of the gender pa [...]

Put your tax refund to work: How to invest $1,000The typical U.S. tax refund is $2,800. Image what could happen if you invested just a portion of tha [...]

Women nearly twice as likely to retire in povertyRead full story for latest details. [...]

How this teen got into 5 Ivy League schools"In third grade, my teacher asked me what I wanted to be. I said I wanted to be president and g [...]

What happens when you can't pay what you owe the IRSRead full story for latest details. [...]

 

Fortune Magazine

Will Mmmhops be a hit?Hanson is attempting to chart with a new microbrew. [...]

NBA confirms L.A. Clippers sale to ex-Microsoft CEO Steve BallmerDonald Sterling sues the NBA for damages and demands to be reinstated as owner. [...]

FBI and SEC probe into Carl Icahn and golfer Phil MickelsonAuthorities are looking into the potenial insider trading. [...]

Google launches "right to be forgotten" service in EuropeNow European citizens can request to have search results removed. [...]

Zuckerberg's latest donation reawakens concerns over mixed results in NewarkFacebook founder and his wife donate $120 million to Bay Area schools, claim to have learned from pr [...]

Five crazy things Steve Ballmer has doneIn light of Ballmer placing the highest bid on an NBA team in history on Thursday, here are some of [...]

Four ways Apple could have the "best" product pipeline everFrom the obvious upgrades to the bold and daring. [...]

The all-time most popular stories are...Scoops on movers and shakers, from Marissa Mayer to Mark Zuckerberg to Rupert Murdoch, are the most [...]

Web browsers aren't fun anymoreMozilla updates Firefox, but is it enough to bring old users back? [...]

Valeant injects more cash into bid for Botox-maker AllerganRevised offer worth around $53 billion comes days after drugmaker's last bid. [...]

How to get employees to save for retirementAutomatically enrolling workers into a savings plan and reminding them how much they can lose may ju [...]

Pacing nervously with... Jamin Warren, founder and CEO, Kill ScreenHanging backstage with the videogame arts and culture impresario ahead of his annual two5six confere [...]

 

Reuters Business News

ATHENS (Reuters) - Greece will need to tap all the remaining cash reserves across its public sector [...]

(Reuters) - Wall Street opened sharply lower on Friday, with the major indexes falling one percent o [...]

LONDON (Reuters) - Oil prices repaired early losses to rally above $64 on Friday due to the conflict [...]

(Reuters) - General Electric Co's quarterly industrial earnings rose 9 percent, helped by cost [...]

NEW YORK (Reuters) - U.S. consumer sentiment rose more than expected in April, a survey released on [...]

PARIS (Reuters) - Airbus sees continued strength in the aircraft market and may be able to increase [...]

BERLIN/HAMBURG (Reuters) - Martin Winterkorn will stay on as chief executive of Volkswagen in an unp [...]

 

Reuters Economy News

CARACAS (Reuters) - Venezuela confirmed on Tuesday it had entered a recession while inflation remain [...]

WASHINGTON (Reuters) - The Obama administration on Tuesday bowed to months of growing pressure over [...]

NEW YORK (Reuters) - Investors backed away from global equity markets on Tuesday, with light volume [...]

NEW YORK (Reuters) - U.S. stocks fell on Tuesday as investors engaged in profit-taking to pull major [...]

NEW YORK (Reuters) - Crude futures closed up slightly Tuesday, getting some relief from a weak dolla [...]

 
 

Post Tagged with: "Chicago"

 
  • From Homeless to Millionaire – 3 Success Lessons from Chris Gardner by Evan Carmichael

    From Homeless to Millionaire – 3 Success Lessons from Chris Gardner by Evan Carmichael

    From Homeless to Millionaire – 3 Success Lessons from Chris Gardner     Today we’re going to look at how a high school dropout and homeless man would go from living on the streets and bathing in public restrooms to building one of the most successful stock brokerage firms in America. This is the story of multi-millionaire Chris Gardner and the top 3 lessons that you can learn from his success.   “Find something that you love. Something that gets you so excited you can’t wait to get out of bed in the morning. Forget about money. Be happy.” – Chris Gardner   Chris Gardner (born on February 9, 1954) was the only son of 12 children that was being raised by a single mother. His single mother was trained as a schoolteacher, but wound up taking on numerous part-time jobs in order to provide for her family. Gardner and his siblings were transferred back and forth between relatives and foster homes. His mother had been imprisoned twice; once, for allegedly receiving welfare while working, and the second time for attempting to burn down the house of Gardner’s abusive stepfather. Gardner’s prospects were narrow coming from an environment such as this.   While on a sales call, Gardner met a man who was impeccably dressed and drove a red Ferrari. As fate would have it, the driver of the Ferrari was a stockbroker. When Gardner heard that the man was earning over $80,000 a month, he decided that his future lied in investments. He had no education, no experience, and no connections, but that was not about to stop Gardner from achieving his new dream. Once he had decided to become a stockbroker, Gardner immediately set out to find an investment firm that would give him a chance. In one brokerage firm, Gardner finally found a manager of a training program who was willing to give him a shot. However, when Gardner showed up for his first day of work, the manager who had hired him had been fired and no one else had ever heard of Gardner or his new position. He left with his hopes disappointed.   Nevertheless, Gardner didn’t give up on his dreams. He continued to seek out investment firms, taking odd jobs to pay the bills in the meantime. Dean Witter, a San Francisco-based brokerage firm was interested in Gardner but refused to bring him on board before putting him through ten months of interviews. It would be a grueling ten months. Gardner showed up for his interview in a T-shirt and dirty jeans. He could have fabricated some heroic story to explain his appearance. Instead, Gardner decided to tell the truth. In plain terms, Gardner told his interviewer that the mother of his son had ran off with his child, that he was broke, and that he has just gotten out of jail the day before. As luck would have it, the interviewer had recently been through a nasty divorce and could sympathize with […]

     
  •  
  • Business Ideas – How to Master the Art of Selling Anything like John Johnson (Ebony)

    Business Ideas – How to Master the Art of Selling Anything like John Johnson (Ebony)

    Business Ideas – How to Master the Art of Selling Anything like John Johnson (Ebony)       Today we’re going to look at how a man went from living on welfare to becoming the first African American to make it onto the Forbes 400 list of the richest people in the world. By the time he died he was worth an estimated $600 million.   “When I see a barrier, I cry and I curse, and then I get a ladder and climb over it… Failure is a word I don’t accept.” – John Johnson   John Harold Johnson (January 19, 1918 — August 8, 2005) was an American businessman and publisher. He was the founder of the Johnson Publishing Company, and in 1982, the first African-American to appear on the Forbes 400 list of the richest people in the world.   Action Item #1: Don’t Get Mad, Get Even   Until you prove yourself as an entrepreneur you’re going to have a lot of people doubt your ability to succeed. They’ll tell you to “play it safe” and get a job. They might also tell you that your product or service idea has been done before or is too crazy to do well. Part of your entrepreneurial journey will be using criticism as a counsellor but not as a jailor – listen to what can help you and don’t let harsh words prevent you from moving forward on your dreams.   All his life, Johnson had been told that he would not amount to much. He was a victim of the racism that was so prevalent in the U.S. at the time. Time after time, Johnson was discouraged from thinking he could one day be great and was blocked every time he tried. In addition to being denied bank loans because he was black, Johnson found it impossible to even purchase an office for his new company once he had obtained the money. When Johnson went to purchase a building in Chicago’s downtown area to be his company’s headquarters, he couldn’t make the deal – he was refused the purchase because he was black.   But, like at so many other times in his life, Johnson refused to give up. He wasn’t going to let a racist property manager stand in the way of his success. His advice: “It’s better to get smart than to get mad… Long shots do come in and hard work, dedication and perseverance will overcome almost any prejudice and open almost any door.”   Action Item #2: Master the Art of the Sale   In his best-selling autobiography, Succeeding Against the Odds, Johnson wrote a chapter entitled, “How to Sell Anybody Anything in Five Minutes or Less.” Johnson’s elementary rule to making a sale was that your pitch “be based not on your self-interest but on their self-interest… When I go in to see I never say, ‘Help me because I am black’ or ‘Help me because I am a minority.’ I always […]

     
  •  
  • Business Ideas – 3 Business Lessons From William Wrigley Jr

    Business Ideas – 3 Business Lessons From William Wrigley Jr

    Business Ideas – 3 Business Lessons From William Wrigley Jr by Evan Carmichael     Today we’re going to look at how a young man started his business with his life savings of $32, moved to a new city, changed his business twice, and eventually found his winning ticket and built a multi-billion company. This is the story of William Wrigley Jr. and the top 3 lessons that you can learn from his success.   “I have sometimes been asked what single policy has been most profitable in our business. I have always unhesitatingly answered, restraint in regard to immediate profits. That has not only been our most profitable policy, it has been pretty nearly our only profitable one.” – William Wrigley Jr.   William Wrigley Jr. (September 30, 1861–January 26, 1932) was a U.S. chewing gum entrepreneur and founder of the William Wrigley Jr. Company in 1891. He was 29 years old when he used his life savings of $32 to move to Chicago and start up his own soap manufacturing business. He started manufacturing and selling soap but with poor sales, Wrigley began offering a can of baking powder for free with each soap purchase.   Soon, Wrigley realized that his baking powder was more popular than his soap, so he switched to manufacturing baking powder full time, and instead offered free chewing gum as a bonus. And, in an all-too familiar pattern, Wrigley quickly saw his chewing gum bonus become more popular than the baking powder so he switched businesses again.   Wrigley passed away in 1932 at the age of 70. The company he founded went on to become the number one maker of chewing gum products in the world, with over 16,000 employees and revenues in excess of $5 billion in 2007. In 2008, Wrigley was acquired by Mars, Inc. for $23 billion.   Action Item #1: Give Something Extra Action Item #2: Don’t Focus on Immediate Profits   Action Item #3: Believe in Yourself     Quotes   “Everybody likes something extra, for nothing.”   “Even in a little thing like a stick of gum, quality is important.”   “Nothing great was ever achieved without enthusiasm.”  

     
  •  
  • Introducing the concept of a Collaborative Will by Tom Deans

    Introducing the concept of a Collaborative Will by Tom Deans

    Introducing the concept of a Collaborative Will by Tom Deans At a farm convention in Chicago, I was approached by an audience member who explained that gifting a working farm to her children was preferable to selling and leaving them each $5 million. When I pressed her for more details – such as – “what do your children think of your plan?” She snapped her head back and proclaimed, “why would I tell them?”   I have to confess it wasn’t the first time that I had heard someone say that silence was going to be the key ingredient of their estate plan. It got me thinking how many beneficiaries – children especially — truly know the contents of their parent’s wills?   When I put the question to my audiences, “how many people hold a copy of their parents’ wills?” Only 10% on average acknowledge they do. The more interesting question is: “how many in the audience will play a lead or significant role in providing care for an aging parent?” The response — an average of 75% — agreed they would. I find the disparity between these two pieces of data, striking.   The relationship between inheriting money and the provision of health care is an issue moving into the media and cultural spotlight for two major reasons – we’re living longer (a lot longer) and the cost of health care and assisted living are rising faster than inflation and saving rates.   For some who live much longer than the average age of 76 for men and 81 for woman, many will turn to family for financial support and care when their savings are fully depleted – the same family from whom secrets were kept when a surplus seemed assured.   Why do so many people keep secrets from those who will likely be providing them with late in life care? How do secrets serve beneficiaries or add to relationships before we become old and dependant? Talk to enough estate planning professionals and they’ll tell you it almost always comes down to a lack of trust and a debilitating fear of death.   For those who view their money as an absolute source of power and control you can see how the aging process and the concomitant relinquishing of power and control makes dying and death such a wretched, fearful experience. Compare that to individuals who seriously prepare family, friends and charitable organizations to receive not just their wealth but their wisdom and you’ll find some extraordinary relationships built purposefully over a lifetime – even when years outstrip savings.   Sharing the contents of a will requires judgment – some might call it wisdom nurtured over time. A wisdom both taught and harvested through conversations with intended beneficiaries not in the last year of life, when death seems imminent, but precisely the opposite, when death is a distant abstraction.   A will doesn’t need to be seen as a solo “end of life document” but rather a […]

     
  •  
  • World’s Tallest Luxury Housing: Rise of The Super Towers

    World’s Tallest Luxury Housing: Rise of The Super Towers In the past, most of the world’s tallest buildings were erected to provide office space, like Chicago’s Willis Tower and the Empire State Building. The shift toward high-rise dwelling started about 15 years ago, according to the Council on Tall Buildings and Urban Habitat, as interest revived in living in city centers. The 9/11 attacks dampened the nascent trend — but only for a time. As the housing bubble inflated, dozens of residential high rises began popping up in major U.S. cities. New construction ground to a near-halt as the bubble burst and recession ensued, but now, as developers begin to bring projects back online, their buildings — commonly luxury and super luxury condo towers geared toward cash-flush global buyers — are getting even taller.  

     
  •  
  • Shelly Lazarus – Ogilvy & Mather – A Board’s Role and Philanthropy

    Shelly Lazarus – Ogilvy & Mather – A Board’s Role and Philanthropy A great Board will help your organization grow and prosper. The Chairman of Ogilvy & Mather discusses the keys to building a great Board, and how Philanthropy today can drive your business forward in the future.  

     
  •  
  • My parents won’t listen to my money advice!

    My parents won’t listen to my money advice! Even if your parents don’t trust your judgment, you can still steer them in the right financial direction.  

     
  •  
  • Jeff Hancock: The future of lying

    Jeff Hancock: The future of lying Who hasn’t sent a text message saying “I’m on my way” when it wasn’t true or fudged the truth a touch in their online dating profile? But Jeff Hancock doesn’t believe that the anonymity of the internet encourages dishonesty. In fact, he says the searchability and permanence of information online may even keep us honest. Jeff Hancock studies how we interact by email, text message and social media blips, seeking to understand how technology mediates communication. Why you should listen to him: Jeff Hancock is fascinated by the words we choose when sending text messages, composing emails and writing online profiles. An Associate Professor of Cognitive Science and Communications at Cornell University, his research has focused on how people use deception and irony when communicating through cell phones and online platforms. His idea: that while the impersonality of online interaction can encourage mild fibbing, the fact that it leaves a permanent record of verifiable facts actually keeps us on the straight and narrow. Hancock has also studied how we form impressions of others online, how we manage others’ impressions of ourselves, and how individual personalities interact with online groups. “[Hancock and his fellow Cornell researchers] tackled what they call deceptive opinion spam by commissioning freelance writers on Mechanical Turk, an Amazon-owned marketplace for workers, to produce 400 positive but fake reviews of Chicago hotels.”  The New York Times  

     
  •  
  • Working with a Multi-Family Office

     
  • United Passengers Find 787 Dreamliner to Be a Dream

     
  • The Aging of America: Triumph or Tragedy?

     
  • Ray Kroc Documentary McDonalds History

     
  • Advisors in Philanthropy’s President’s Letter for February 7, 2012

     
 
 
 

one

Lugen Family Office is the Most Trusted Online Curator on Wealth Management, Financial Literacy, Family Business, Philanthropy, and the UHNW.

Check out over 22,000 Complimentary Posts from Enzo Calamo

 

Family Office Newswire

Gold Award

The #1 Family Office Newswire That Empowers Family Dynasties. Over 8,500 Complimentary Posts and growing rapidly with relevant topics!

Learn from Billionaires How To Handle Your Family Wealth.

ENZO CALAMO IS A GOLD AWARD CURATOR ON BUSINESS FOR SCOOP.IT!

"You're a giant among curators and your work is world-class awesome. Thanks for being an incredible role model to the curator community!" Scoop.it

Read the latest news

 

UHNW Wealth Newswire

home-bgMain

The #1 UHNW Wealth Newswire For Living Your Dreams. Over 5,400 Complimentary Posts on important topics that show you the Secrets of Accumulating and Preserving Wealth!

ENZO CALAMO IS A SILVER AWARD CURATOR ON FINANCE FOR SCOOP.IT!

Read the latest news

 

Follow Enzo on LinkedIn

LinkedIn-Logo-150x150

Top 1% of LinkedIn Connectors in the World

 

Family Business Newswire

Family-business

The #1 Family Business Newswire That Helps You Move From Success to Significance. Over 3,900 Complimentary Posts On Key Factors To Build A Profitable and Sustainable Business!

Read the latest news

 

Philanthropy Newswire

o-PHILANTHROPY-facebook

The #1 Philanthropist Newswire For Leaving A Legacy From The Heart. Check out the latest trends in philanthropy today with over 1,200 Complimentary posts. Learn what some of the greatest philanthropists in history believe about gratitude and giving!

Read the latest news

 

UHNW Real Estate Newswire

REALTOR_GuideToCommercialRealEstate_2

The #1 UHNW Real Estate Newswire for Luxury Homes and Commercial Real Estate. Check out the latest trends in real estate today with over 3,100 Complimentary posts.

Read the latest news

 

Lugen Family Office Proudly Supports AIP

AIP Logo

The International Association of Advisors in Philanthropy is the leading charitable giving organization in the world for inspiring collaboration among professionals.

Enzo Calamo,
AIP Ambassador, Past President

To learn more about AIP, click here

 

Twitter Widget

 

Celebrity Net Worth

Radical's newest offering, the RXC Turbo 500, hopes to break the company's own speed recor [...]

Harry Wayne Huizenga started from the bottom and went on to found three Fortune 500 companies and ow [...]

Chang Yun Chung net worth: Chang Yun Chung is a Singapore businessman and entrepreneur who has a net [...]

Clemens Toennies net worth: Clemens Toennies is a German businessman who has a net worth of $2.1 bil [...]

Walther Moreira Salles Junior net worth: Walther Moreira Salles Junior is a Brazilian filmmaker and [...]

Sonny Vaccaro net worth: Sonny Vaccaro is an American businessman who has a net worth of $5 million. [...]

Some are very exotic, and others might be close to home. Either way, these private island are all ex [...]

Just a few years ago, Michael Greller was a sixth grade math teacher bringing home $50k a year. As J [...]

Jaslene Gonzalez Net Worth: Jaslene Gonzalez is a Puerto Rican-American model and television host wh [...]

If you've always wanted to sleep in the same bed as Julia Roberts and own a home in Hawaii, the [...]

 

Reuters Wealth News

NEW YORK (Reuters) - U.S. banks are reporting that companies are tapping more of their credit lines [...]

(Reuters) - The U.S. Federal Reserve may allow big banks to use some municipal bonds to meet new liq [...]

CHICAGO Reuters) - Some U.S. workers who have paid into the Social Security system are in for a rude [...]

NEW YORK (Reuters) - Investors poured $6 billion into U.S.-based non-domestic stock funds in the wee [...]

NEW YORK (Reuters) - Stan Gregor, a private banker hired almost two years ago to create a wealth man [...]

(Reuters) - A Boston investment management firm must pay $48.5 million in damages to a couple who we [...]

NEW YORK (Reuters) - Wells Fargo Bank breached a nationwide 2010 legal settlement involving adjustab [...]

(Reuters) - Bubbles are a bit like the weather: everyone complains but no one does anything about th [...]

CHICAGO Reuters) - Some U.S. workers who have paid into the Social Security system are in for a rude [...]

NEW YORK (Reuters) - I was lending money to a grocery store owner in Mozambique and a cosmetics sale [...]

 

MarketWatch Personal Finance

Even though gold’s price has experienced little net change in recent weeks, monitored gold timers ha [...]

OPEC expects U.S. oil production to decline later this year, so this may be the best time to buy oil [...]

Brett Arends reveals two simple strategies for investing in stocks that have consistently beaten the [...]

Out-of-pocket health-care costs can really hurt if you have a high-deductible health plan; here are [...]

Amaro Lucano is aiming to be among the biggest players in its category. [...]

Financial traders come up with creative ways to use their unexpected free time after an outage cuts [...]

Is that the acrid smell of correction in the air? [...]

Intel Corp. executives this week did not address the recent rumors that it was in talks to buy speci [...]

 

Reuters Business Video

General Electric lost money as it moves to mostly exit its finance business. One analyst says it [...]

As debt payments loom for Greece, the IMF hints it will not give Greece any extension, raising fears [...]

Corruption allegations are back in the headlines for Spanish voters already hyper-sensitive to the i [...]

 
 
 
Translate »