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Insurance - Auto Insurance - Health Insurance

In This Post We Cover All Major Topics Related Insurance,  Health InsuranceAnd Auto Insurance You Can Scroll Down And Find Your Most Important Topic That You Want Read As Soon As Possible. 


1. - 5 Quick Tips to Save Money on Auto Insurance

2. - Your Ultimate Construction All Risk Insurance Guide

3. - 21 Spoonie 'Hacks' For Dealing With Health Insurance Companies


5 Quick Tips To Save Money On Auto Insurance :-

Insurance
Insurance


The start of the New Year is a time when people’s thoughts turn from parties, feasts and vacations to fresh beginnings, healthier living and improved money management. According to Statistic Brain Research Institute, money-related resolutions accounted for 42.1% of New Year’s Resolution for 2017 and making better financial decisions was the third most popular on its list.
Budgeting, paying down debt and building your savings account are all important ways to be fiscally responsible. Making some simple adjustments to your auto insurance policy may also help you save money to put towards achieving your financial goals in 2018.
Here are five quick insurance tips that could save you some money.
1. Bundle Your Policies. Do you have an auto insurance policy with one company and a homeowners or renters insurance policy with another? Bundling your policies not only makes things easier by having everything in one place, but it may also lead to nice a discount. Mercury Insurance, for example, provides up to a 15% discount on both your auto and homeowners policies when purchase them together.
You might also be a candidate for a discount if you insure more than one vehicle with the same carrier, but discounts may vary by state, so check with your insurance agent to learn more.
2. Pay in Full. Auto insurance premiums are typically offered in six-month terms. While you may be given the option to pay in monthly installments, paying your full premium up front might qualify you for a discount.
3. Increase Your Deductible. A deductible is the amount you would have to pay out-of-pocket for damages to your vehicle before your insurance would kick in if you make a claim.If you’re willing and able to pay a higher deductible in the event of a collision or other damage to your car, your insurance premium will most likely go down.
4. Limit Your Mileage. The number of miles you drive impacts your insurance premium – the more you drive, the higher the risk of getting into a collision. Consider leaving the car in the garage or driveway and carpooling or taking public transportation when possible, and be sure to report your lower mileage to your insurance agent. Driving less can help lower your insurance premium, and it also comes with an added benefit – it’ll also save you money on gas.
5. Factor in Teen Drivers. It’s no secret – teen drivers are more likely to get into a collision than any other group of drivers, due in part to inexperience and a higher willingness to take risks. Parents of teen drivers are sure to see their insurance premiums go up, so before your son or daughter gets their license you might want to shop around. Rates for teen drivers can vary dramatically, so get a quote from several different companies, because you could end up saving anywhere from a few hundred dollars to a thousand dollars or more.
And here’s one final tip for parents of teen drivers: take the time to teach them how to drive. Education is an important factor in teens becoming better drivers and parents play a very big role in this process. Mercury Insurance created the Drive Safe Challenge to help parents and teens prepare for life behind the wheel. It includes a variety tips and information, instructional videos, quizzes and more.
Author Credit - https://bit.ly/2DdqqHa

Your Ultimate Construction All Risk Insurance Guide :




Are you worrying about the safety of your construction site? What would happen if your half-constructed building catches fire or there is vandalism? Does the thought of stolen construction equipment is enough to press a panic button?
You are not the one who is fretting over the safety of the construction site. In fact, the construction site is vulnerable to various kinds of risks and perils. Last month, three labourers lost their lives when they fell off an under construction building in Pune, Maharashtra.
While you should always take enough steps to prevent the loss from occurring, many times accidents become inevitable. Then there are natural calamities, like earthquake, fire, flood, etc.; which are beyond anyone’s control.
Here a construction all risk insurance policy can go a long way in securing you against various losses or damages.
Let’s know everything about construction all risk insurance policy:
What is Construction All Risk Insurance Policy?
An essential part of property insurance policy, construction all risk insurance policy is meant to offer coverage to buildings under renovation and construction. The construction all risk insurance policy plays a crucial role in transferring the risks of a policyholder to the insurer.
Thanks to construction all risk insurance policy, it is feasible to secure the structure, raw materials and workers who are present on the site. While, the standard policy offers extensive coverage against perils like lightning, explosion, etc.; you can go for add-on covers like terrorism, cost of removal of debris, escalation, express freight, etc. 
Further, the policy also covers liability which may arise from losses or damages caused to the policyholder’s surrounding property due to construction activities carried out on your site.
It is interesting to note, that when the other insurance policies have a tenure of one year, in construction all risk insurance policy, the tenure of coverage is equivalent to the period of the construction. It means, the coverage would start from the day of unloading of the first batch of the material at the construction site and expires on the date the work is handed over to the principal.
How Can Construction All Risk Insurance Help You?
There are the following benefits which you can enjoy from construction all risk insurance policy-
•             A construction all risk insurance policy can ensure the financial security of your business as it compensates you for any losses or damages which may arise from the insured peril. The insurer will make a payout for any structural damages, or material loss
•             As per the requirement, you can expand your construction all risk insurance policy and seek additional covers like third-party liability, surrounding the property, air freight & express freight, additional customs duty, debris removal, etc. Note, you would have to pay an extra amount to get additional cover.
•             There is no one-size-fits insurance policy as you can customize it by including extra coverages as per your needs. Either you can approach the insurer directly or take the help of corporate insurance advisors, like SecureNow, who would help you in deciding the right type of policy for you.
•             The policy offers comprehensive cover and can be taken by principal, contractor, sub-contractor, jointly or individually.
•             In many cases, construction all risk insurance policy can be a prerequisite for a bank loan to purchase the property. It means, by buying the insurance policy, it is feasible to improve your credibility and increase your chances of getting a loan.
•             Any loss or damage to the property or third-party can lead to disputes, and a case may be filed against you. Construction all risk insurance policy can play a crucial role in helping you solve disputes. In case the verdict goes against you, the policy will offer compensation to the injured party on your behalf.
How Would the Premium be Determined?
During the construction all risk insurance policy, the insurers consider the intricacies involved in each construction project while deciding the premium amount. Some of the factors which can play an important role in computing the premium of construction all risk policy is:
•             Cost of project
•             Sum insured
•             Nature of the project
•             Tenure of the project
•             Geographical location
Conclusion
A construction all risk insurance policy can play an imperative role by covering you against a myriad of risks. But before you buy the policy, it is necessary to pay attention to certain issues like coverage period, types of insurable items, etc.; to ensure you choose the right cover.
Author Credit - https://bit.ly/2PDyXNO

 21 Spoonie 'Hacks' For Dealing With Health Insurance Companies

There is one challenge that unites so many spoonies (particularly in the U.S.), no matter what diagnosis they’re dealing with: the challenge of dealing with insurance companies. Getting your insurance company to approve your treatment can mean daily phone calls, endless paperwork and constant stress from the uncertainty of what it will decide to cover (not to mention the devastation of learning a treatment won’t be covered).
Working with insurance companies requires patience and a strategy. It helps to know how to maneuver within the complicated bureaucratic system that sometimes seems determined not to give you the coverage you need. So we asked our Mighty chronic illness community to share their advice for dealing with insurance companies. The next time you need to make that phone call, perhaps these tips will help the process go smoother.
Here’s what our community shared with us:
1. “Write down everything. When you call them, write down the date, time, who you talked to and everything they said. Also be as patient as possible because it’s unfortunately going to take a lot of phone calls to eventually make progress.” — Kayla S.
2. “Always get the name of the customer service rep you spoke to as well as a call reference number when possible. The majority of insurance companies use call reference numbers to document your call or record it for quality assurance. This can help a lot when appealing to the insurance company. Especially if you are told a product/procedure is covered by your policy or that a medical claim is being reprocessed for payment.” — Kelsey F.
3. “Be a squeaky wheel! Like, the squeakiest wheel the world has ever heard! I had to deal with out of network coverage with my insurance and it took three months and I ended up having to reschedule the surgery I was trying to get covered. I didn’t get anywhere with them until I called them every day! Don’t give up, keep squeaking!” — Tyffanie E.
4. “Keep a copy of every form, statement, medical record and anything else you may have. Put it in a tabbed binder so everything is easy to find.” — Kathryne Z.


5. “Save any yelling or threatening for the person highest up. A basic level customer service rep does not have authority to override anything. Don’t take your anger out on the wrong person!” — Cathy M.
6. “One thing that has been really helpful has been my therapist — as a medical provider, she’s really familiar with how to deal with insurance companies, how they work, how to get through to them, what kind of language to use, who to ask to speak to, etc. A lot of our sessions lately have been strategizing on how to deal with my very difficult insurance and her expertise has made a huge difference!” — Alanna B.
7. “Know what your policy states before calling. Always be firm with them on why you’re calling, what you expect and thoroughly explain your reasons. If you need to write it all down beforehand do it and keep a pen and paper handy so you can write down anything they tell you. In some states it’s permissible to record the conversation as long as one party knows it’s being recorded (at least it is in Kentucky). Check your state/country’s laws. Recording the conversation can help you when you can’t remember parts of the conversation.” — Sherrie P.
8. “There are several advocate services… make use of them! Saves you time and stress, and can often succeed where you have failed.” — Cathy M.
9. “Don’t be afraid to ask to speak to a supervisor. Customer service reps don’t always have access to more detailed information, but won’t offer to get a supervisor. You’ll have to ask.” — Tracy S.
10. “If you have to call them to get approval always get it in writing! A verbal approval from anyone at your insurance company is worth nothing if they go back on their word.” — Sarah L.
11. “Call as early in the day as possible, and *try* to request the same person each time. Name drop if you can’t reach your person working on your issue. Call as early in the day as possible, because I guarantee you’ll have to make a bunch of phone calls. Our insurance company for my kids always blames the NYS Health Exchange, who in turn says to call local Medicaid offices who tell us the problem lies with the original insurance company. We got stuck on a Friday trying to get medication for our son when we were told his insurance wasn’t active. Three hours later after talking to multiple places, we called the local office and they were closing for the day. We got lucky and a supervisor called back after hours, but still had to wait the weekend for the glitch to be fixed. Patience.” — Tracy S.
12. Insurance companies don’t want to pay for anything they don’t have to. They try to make it hard and create hurdles in hopes you’ll give up. When you are persistent and make things difficult for them, they’re more likely to give in.” — Amber F.
13. “Explain the issue. Even though they work for an insurance company it doesn’t mean they have a medical degree. I had to explain that my ‘high’ dose of [my medication] was not for depression but neuropathy. Once they understood that they were much quicker to help me find a solution.” — Lizz R.
14. “Make sure you don’t hold back on telling: How sick you are/how bad you need the treatment/medicine. Even if you find it difficult to admit how much you are struggling, it’s important. If you’re too ‘brave’ they will think you don’t need it. Unfortunately it’s a thin line between telling how you really feel and people thinking you’re exaggerating and thinking it’s all in your head…” — Lenthe S.
15. “Before you file any appeals (if you get to that point) if they deny coverage, you may have the option to have your doctor call to speak directly with doctors at the insurance agency to make a plea for you. This is a step that they don’t make well-known/they claim that the doctor should know about and if you file an appeal, they’ll say it’s too late for that step to be done.” — Beth P.
16. “As frustrating as it is at times, I try to be as polite and kind as possible at all times while dealing with my insurance company (especially on the phone). I seem to have people who are more willing to answer my questions and work with me rather than when I am frustrated and showing it in my voice.” — Ashley P.
17. “Patience. Most of the time it’s not the person you are talking to’s fault that the insurance company has ridiculous policies. They are overworked, too.” — Alison H.
18. “Get everything on paper! If someone tells you something over the phone, you request that information be mailed or emailed to you. Keep records, don’t let them change the story.” — Ansel T.
19. “[Some] doctors have a ‘pay out of pocket’ price for some procedures at severely discounted prices because the time and effort of having billing, nurses, medical technicians and doctors to sort through it costs more in man hours than a short cut out of pocket. I’ve had a $1050 in office thing bartered to $150 because I’m a regular patient and the doctors know how much it helps.” — Katrina O.
20. “Ask for help from social workers at your doctor’s office. They have tricks up their sleeve and can pull a lot of strings to get things done through your insurance or if insurance still refuses they have connections with outside resources to help get you what you need. Wish I would have known these people existed sooner!” — Barbie V.
21. “Send important papers certified with a receipt if at all possible. That way when they claim they never got them (looking at you, Prudential) you have proof they were received and the rep or caseworker will have to go look for them.” — Bethany M.
Author Credit - https://bit.ly/2BgWQC3
Thanks For Reading and Tell Us Your Feedback in Comment section.

No comments:

Post a Comment

Insurance - Auto Insurance - Health Insurance

In This Post We Cover All Major Topics Related Insurance,  Health InsuranceAnd Auto Insurance You Can Scroll Down And Find Your Most Important Topic That You Want Read As Soon As Possible. 


1. - 5 Quick Tips to Save Money on Auto Insurance

2. - Your Ultimate Construction All Risk Insurance Guide

3. - 21 Spoonie 'Hacks' For Dealing With Health Insurance Companies


5 Quick Tips To Save Money On Auto Insurance :-

Insurance
Insurance


The start of the New Year is a time when people’s thoughts turn from parties, feasts and vacations to fresh beginnings, healthier living and improved money management. According to Statistic Brain Research Institute, money-related resolutions accounted for 42.1% of New Year’s Resolution for 2017 and making better financial decisions was the third most popular on its list.
Budgeting, paying down debt and building your savings account are all important ways to be fiscally responsible. Making some simple adjustments to your auto insurance policy may also help you save money to put towards achieving your financial goals in 2018.
Here are five quick insurance tips that could save you some money.
1. Bundle Your Policies. Do you have an auto insurance policy with one company and a homeowners or renters insurance policy with another? Bundling your policies not only makes things easier by having everything in one place, but it may also lead to nice a discount. Mercury Insurance, for example, provides up to a 15% discount on both your auto and homeowners policies when purchase them together.
You might also be a candidate for a discount if you insure more than one vehicle with the same carrier, but discounts may vary by state, so check with your insurance agent to learn more.
2. Pay in Full. Auto insurance premiums are typically offered in six-month terms. While you may be given the option to pay in monthly installments, paying your full premium up front might qualify you for a discount.
3. Increase Your Deductible. A deductible is the amount you would have to pay out-of-pocket for damages to your vehicle before your insurance would kick in if you make a claim.If you’re willing and able to pay a higher deductible in the event of a collision or other damage to your car, your insurance premium will most likely go down.
4. Limit Your Mileage. The number of miles you drive impacts your insurance premium – the more you drive, the higher the risk of getting into a collision. Consider leaving the car in the garage or driveway and carpooling or taking public transportation when possible, and be sure to report your lower mileage to your insurance agent. Driving less can help lower your insurance premium, and it also comes with an added benefit – it’ll also save you money on gas.
5. Factor in Teen Drivers. It’s no secret – teen drivers are more likely to get into a collision than any other group of drivers, due in part to inexperience and a higher willingness to take risks. Parents of teen drivers are sure to see their insurance premiums go up, so before your son or daughter gets their license you might want to shop around. Rates for teen drivers can vary dramatically, so get a quote from several different companies, because you could end up saving anywhere from a few hundred dollars to a thousand dollars or more.
And here’s one final tip for parents of teen drivers: take the time to teach them how to drive. Education is an important factor in teens becoming better drivers and parents play a very big role in this process. Mercury Insurance created the Drive Safe Challenge to help parents and teens prepare for life behind the wheel. It includes a variety tips and information, instructional videos, quizzes and more.
Author Credit - https://bit.ly/2DdqqHa

Your Ultimate Construction All Risk Insurance Guide :




Are you worrying about the safety of your construction site? What would happen if your half-constructed building catches fire or there is vandalism? Does the thought of stolen construction equipment is enough to press a panic button?
You are not the one who is fretting over the safety of the construction site. In fact, the construction site is vulnerable to various kinds of risks and perils. Last month, three labourers lost their lives when they fell off an under construction building in Pune, Maharashtra.
While you should always take enough steps to prevent the loss from occurring, many times accidents become inevitable. Then there are natural calamities, like earthquake, fire, flood, etc.; which are beyond anyone’s control.
Here a construction all risk insurance policy can go a long way in securing you against various losses or damages.
Let’s know everything about construction all risk insurance policy:
What is Construction All Risk Insurance Policy?
An essential part of property insurance policy, construction all risk insurance policy is meant to offer coverage to buildings under renovation and construction. The construction all risk insurance policy plays a crucial role in transferring the risks of a policyholder to the insurer.
Thanks to construction all risk insurance policy, it is feasible to secure the structure, raw materials and workers who are present on the site. While, the standard policy offers extensive coverage against perils like lightning, explosion, etc.; you can go for add-on covers like terrorism, cost of removal of debris, escalation, express freight, etc. 
Further, the policy also covers liability which may arise from losses or damages caused to the policyholder’s surrounding property due to construction activities carried out on your site.
It is interesting to note, that when the other insurance policies have a tenure of one year, in construction all risk insurance policy, the tenure of coverage is equivalent to the period of the construction. It means, the coverage would start from the day of unloading of the first batch of the material at the construction site and expires on the date the work is handed over to the principal.
How Can Construction All Risk Insurance Help You?
There are the following benefits which you can enjoy from construction all risk insurance policy-
•             A construction all risk insurance policy can ensure the financial security of your business as it compensates you for any losses or damages which may arise from the insured peril. The insurer will make a payout for any structural damages, or material loss
•             As per the requirement, you can expand your construction all risk insurance policy and seek additional covers like third-party liability, surrounding the property, air freight & express freight, additional customs duty, debris removal, etc. Note, you would have to pay an extra amount to get additional cover.
•             There is no one-size-fits insurance policy as you can customize it by including extra coverages as per your needs. Either you can approach the insurer directly or take the help of corporate insurance advisors, like SecureNow, who would help you in deciding the right type of policy for you.
•             The policy offers comprehensive cover and can be taken by principal, contractor, sub-contractor, jointly or individually.
•             In many cases, construction all risk insurance policy can be a prerequisite for a bank loan to purchase the property. It means, by buying the insurance policy, it is feasible to improve your credibility and increase your chances of getting a loan.
•             Any loss or damage to the property or third-party can lead to disputes, and a case may be filed against you. Construction all risk insurance policy can play a crucial role in helping you solve disputes. In case the verdict goes against you, the policy will offer compensation to the injured party on your behalf.
How Would the Premium be Determined?
During the construction all risk insurance policy, the insurers consider the intricacies involved in each construction project while deciding the premium amount. Some of the factors which can play an important role in computing the premium of construction all risk policy is:
•             Cost of project
•             Sum insured
•             Nature of the project
•             Tenure of the project
•             Geographical location
Conclusion
A construction all risk insurance policy can play an imperative role by covering you against a myriad of risks. But before you buy the policy, it is necessary to pay attention to certain issues like coverage period, types of insurable items, etc.; to ensure you choose the right cover.
Author Credit - https://bit.ly/2PDyXNO

 21 Spoonie 'Hacks' For Dealing With Health Insurance Companies

There is one challenge that unites so many spoonies (particularly in the U.S.), no matter what diagnosis they’re dealing with: the challenge of dealing with insurance companies. Getting your insurance company to approve your treatment can mean daily phone calls, endless paperwork and constant stress from the uncertainty of what it will decide to cover (not to mention the devastation of learning a treatment won’t be covered).
Working with insurance companies requires patience and a strategy. It helps to know how to maneuver within the complicated bureaucratic system that sometimes seems determined not to give you the coverage you need. So we asked our Mighty chronic illness community to share their advice for dealing with insurance companies. The next time you need to make that phone call, perhaps these tips will help the process go smoother.
Here’s what our community shared with us:
1. “Write down everything. When you call them, write down the date, time, who you talked to and everything they said. Also be as patient as possible because it’s unfortunately going to take a lot of phone calls to eventually make progress.” — Kayla S.
2. “Always get the name of the customer service rep you spoke to as well as a call reference number when possible. The majority of insurance companies use call reference numbers to document your call or record it for quality assurance. This can help a lot when appealing to the insurance company. Especially if you are told a product/procedure is covered by your policy or that a medical claim is being reprocessed for payment.” — Kelsey F.
3. “Be a squeaky wheel! Like, the squeakiest wheel the world has ever heard! I had to deal with out of network coverage with my insurance and it took three months and I ended up having to reschedule the surgery I was trying to get covered. I didn’t get anywhere with them until I called them every day! Don’t give up, keep squeaking!” — Tyffanie E.
4. “Keep a copy of every form, statement, medical record and anything else you may have. Put it in a tabbed binder so everything is easy to find.” — Kathryne Z.


5. “Save any yelling or threatening for the person highest up. A basic level customer service rep does not have authority to override anything. Don’t take your anger out on the wrong person!” — Cathy M.
6. “One thing that has been really helpful has been my therapist — as a medical provider, she’s really familiar with how to deal with insurance companies, how they work, how to get through to them, what kind of language to use, who to ask to speak to, etc. A lot of our sessions lately have been strategizing on how to deal with my very difficult insurance and her expertise has made a huge difference!” — Alanna B.
7. “Know what your policy states before calling. Always be firm with them on why you’re calling, what you expect and thoroughly explain your reasons. If you need to write it all down beforehand do it and keep a pen and paper handy so you can write down anything they tell you. In some states it’s permissible to record the conversation as long as one party knows it’s being recorded (at least it is in Kentucky). Check your state/country’s laws. Recording the conversation can help you when you can’t remember parts of the conversation.” — Sherrie P.
8. “There are several advocate services… make use of them! Saves you time and stress, and can often succeed where you have failed.” — Cathy M.
9. “Don’t be afraid to ask to speak to a supervisor. Customer service reps don’t always have access to more detailed information, but won’t offer to get a supervisor. You’ll have to ask.” — Tracy S.
10. “If you have to call them to get approval always get it in writing! A verbal approval from anyone at your insurance company is worth nothing if they go back on their word.” — Sarah L.
11. “Call as early in the day as possible, and *try* to request the same person each time. Name drop if you can’t reach your person working on your issue. Call as early in the day as possible, because I guarantee you’ll have to make a bunch of phone calls. Our insurance company for my kids always blames the NYS Health Exchange, who in turn says to call local Medicaid offices who tell us the problem lies with the original insurance company. We got stuck on a Friday trying to get medication for our son when we were told his insurance wasn’t active. Three hours later after talking to multiple places, we called the local office and they were closing for the day. We got lucky and a supervisor called back after hours, but still had to wait the weekend for the glitch to be fixed. Patience.” — Tracy S.
12. Insurance companies don’t want to pay for anything they don’t have to. They try to make it hard and create hurdles in hopes you’ll give up. When you are persistent and make things difficult for them, they’re more likely to give in.” — Amber F.
13. “Explain the issue. Even though they work for an insurance company it doesn’t mean they have a medical degree. I had to explain that my ‘high’ dose of [my medication] was not for depression but neuropathy. Once they understood that they were much quicker to help me find a solution.” — Lizz R.
14. “Make sure you don’t hold back on telling: How sick you are/how bad you need the treatment/medicine. Even if you find it difficult to admit how much you are struggling, it’s important. If you’re too ‘brave’ they will think you don’t need it. Unfortunately it’s a thin line between telling how you really feel and people thinking you’re exaggerating and thinking it’s all in your head…” — Lenthe S.
15. “Before you file any appeals (if you get to that point) if they deny coverage, you may have the option to have your doctor call to speak directly with doctors at the insurance agency to make a plea for you. This is a step that they don’t make well-known/they claim that the doctor should know about and if you file an appeal, they’ll say it’s too late for that step to be done.” — Beth P.
16. “As frustrating as it is at times, I try to be as polite and kind as possible at all times while dealing with my insurance company (especially on the phone). I seem to have people who are more willing to answer my questions and work with me rather than when I am frustrated and showing it in my voice.” — Ashley P.
17. “Patience. Most of the time it’s not the person you are talking to’s fault that the insurance company has ridiculous policies. They are overworked, too.” — Alison H.
18. “Get everything on paper! If someone tells you something over the phone, you request that information be mailed or emailed to you. Keep records, don’t let them change the story.” — Ansel T.
19. “[Some] doctors have a ‘pay out of pocket’ price for some procedures at severely discounted prices because the time and effort of having billing, nurses, medical technicians and doctors to sort through it costs more in man hours than a short cut out of pocket. I’ve had a $1050 in office thing bartered to $150 because I’m a regular patient and the doctors know how much it helps.” — Katrina O.
20. “Ask for help from social workers at your doctor’s office. They have tricks up their sleeve and can pull a lot of strings to get things done through your insurance or if insurance still refuses they have connections with outside resources to help get you what you need. Wish I would have known these people existed sooner!” — Barbie V.
21. “Send important papers certified with a receipt if at all possible. That way when they claim they never got them (looking at you, Prudential) you have proof they were received and the rep or caseworker will have to go look for them.” — Bethany M.
Author Credit - https://bit.ly/2BgWQC3
Thanks For Reading and Tell Us Your Feedback in Comment section.

No comments:

Post a Comment