24/7 Support number (15) 3358-5453

personal finance vocabulary crossword

Most revered index fund. Standarddeduction A qualified expense that the IRS allows you to subtract from your adjusted gross income, which further reduces your taxable income. Print copies for an entire class. STUDY. statement . This is a Finance vocabulary Crossword Puzzle and Word Search that is suitable for introducing key words to learners. Can be used for ESL, Workplace Training or general English. Fixed-rate mortgage Employer-sponsored retirement plans, such as pensions, in which the employer promises a specified retirement benefit based on a formula that may include an employee’s earnings history, length of employment and age. Bankruptcy An amount owed Debt, a sum of money that is borrowed and expected to be paid back with interest in a specified time frame Loan the amount charged, expressed as a percentage of principal, by a lender to a borrower for the use of assets Interest Rate the annual rate that is charged for borrowing Annual Percentage Rate a card that allows customers to access their funds immediately from their checking account Debit Card a card that can be used at a store, restaurant, online, etc. Match. A movement or Heat + Oxygen + Fuel. 19. AGI A person who is financially dependent on your income, typically a child or an adult relative you may support. Banking and Finance Vocabulary. Learn. 16. Credit History an analysis made by a lender about a consumer's riskiness as a borrower. Fees A current medium of exchange in the form of coins and banknotes; coins and banknotes collectively Money The fee charged by a lender to a borrower for the use of borrowed money, usually expressed as an annual percentage of the principal; the rate is dependent upon the time value of money, the credit risk of the borrower, and the inflation rate. 1.01-1.02. Incentives. There are 20 financial terms contained within the crossword. Test. The amount is transferred immediately. Take action. Gravity. Difficulty: Beginner. Debt Consolidation a law that protect consumers from being discriminated against due to race, sex, marital status, religion or age when obtaining credit. teller. Personal Finance Crossword. 3. how much you owe: 5. amounts that you've already committed to pay This crossword puzzle, “ Finance Vocabulary, ” was created using the Crossword Hobbyist puzzle maker APR. Spell. Terms in this set (63) 401(k) a savings plan for retirement. Terms in this set (29) checking. It offers the same financial services as a bank Credit Union Allow customers to get cash and conduct banking transactions ATM An account that allows you to deposit money and write checks on that account. 9 Act to reduce the international value of a currency . Amortization A type of mortgage in which the interest you pay on your outstanding balance rises and falls based on a specific benchmark. 1.01-1.02, are just a taste of our online study tools! 12. It is supplied as a pdf and a word document in case you want to edit the descriptions to suit your needs. $25.00. STUDY. a savings plan designed to help set aside funds for future college costs. Just listen to the recording below so that you can improve your own pronunciation.The video that is after the recording also has the vocabulary items being spoken at the same time as showing the flashcards. Our free online crosswords for the vocabulary list, Personal Finance - Chapter 7, are just a taste of our online study tools! PLAY. Grace Period Credit card issuers may offer low introductory annual percentage rates as special promotions. Terms in this set (28) Personal Finance. someone you owe money to; they give you credit. ESL Banking Vocabulary Exercises. The vocabulary presented above with definitions or on the flashcards has been spoken and recorded so that you can hear the correct pronunciation. $50.00. Size 20 questions. Personal Finance Crossword Puzzle. Capitalgains The process of buying or selling securities over time in order to maintain your desired asset allocation. by . Grade Personal Financial Literacy from The Pensive Sloth–social studies, math, . APY. Gravity. Credithistory A bank account equally shared by two or more people Jointaccount Charged by a credit card company each year for use of a credit card. An equity holding in a company. Add, edit, delete clues, and customize this puzzle. Verification of a company's accounts. Creditcards Any card that may be used repeatedly to borrow money or buy products and services on credit. Answers are included. a bank employee. Personal Finance Crossword Puzzle Bill Field 2020-11-16T02:20:12-08:00. Stock Market & Finance vocabulary games, Stock Market & Finance vocabulary puzzles - a free resource used in over 40,000 schools to enhance vocabulary mastery … maximum amount you can charge on a credit card. Description. This crossword puzzle features 21 important financial vocabulary terms about investing in stocks. A word search puzzle by PuzzleFast Instant Puzzle Maker (Puzzle 20141027890115) Annual Percentage Rate the recording of financial transactions and exchanges. Annualfee A three digit number that summarizes how well a person or business has handled debt and credit Creditscore The total cost of borrowing, including interest and fees, expressed in a dollar amount. Ages: 8+ Simple words to describe the core … GuaranteedInterest Insurance to help protect a mortgage lender in the event a borrower cannot make payments PMI illegal schemes pyramid schemes a period of economic decline Recession benefits and bonuses offered to customers to entice them to open a card Rewards insurance or investments offered by the government. Crossword puzzles are a great way to teach, learn, reinforce, and review all of the vocabulary terms students will need to know in a personal finance, money management, or economics course. What Are Your Rights as a Consumer? Flashcards. Personal Finance An obligation of repayment owed by one party (debtor/borrower) to a second party (creditor/lendor) Debt A fee paid by a borrower to the lender for the use of borrowed money Interest The granting of a loan and the creation of a debt; any form of deferred payment Credit A system by which goods and services are produced and distributed Economy A person or organization that buys/uses goods or services Consumer A debt evidenced by a "note," which specifies the principal amount, interest rate, and date of repayment Loan The knowledge and skillset necessary to be an informed consumer and manage finances effectively Financial Literacy Interest paid on interst previously earned Compound Interest An account that generates interest income on the available balance in the account Interest-Bearing The five steps to financial success Five Foundations The persistent increase in the cost of goods and services or the persistent decline in the purchasing power of money Inflation Saving money over time for a large purchase Sinking Fund A savings account that is set aside to be used only for emergency expenses Emergency Fund A rate which is either charged (on debt) or paid (on investment accounts) for the use of money Interest Rate, When you’re investing or saving, this is the interest that you earn on the amount you deposit, plus any interest you’ve accumulated over time. a detailed list of transactions made with a credit card. DOWNLOAD THE ANSWER SHEETS . Feel free to download and print the pdf, if it’s easier. Created by. Down; 1. how much you own: 2. goals achieved within a few years (college, vacation, home, etc.) lcsihs2016. Write. These crossword puzzles are a fun and engaging way to learn about personal finance. The bank pays interest in exchange for the use of the money in the account Savings Account Business done with a bank, including deposits, and withdrawals Transaction A bank employee who performs banking services for the public, such as cashing checks and accepting deposits Teller, person or organization that uses a product or service consumer form of deferred payment credit obligation of repayment owed by one party debt system which goods are produced and distributed economy to be an informed consumer; Financial... literacy fee paid by a borrower to the lender interest a debt evidenced by a “note” loan decisions made by an individual regarding their money personal finance anything owned by an individual assets earnings from work or investments income state of being obligated according to law liabilites delayed gratification discipline detailed proposal for doing or achieving something plan currency and coin that are legal tender by government money a written cash flow plan budget an insistent request made as if by right demand dividing money a person invests between several types of investments. Credit Score The time a borrower is allowed after a payment is due to make that payment without adding to the interest owed. Money which is lent. Match. Assets. Copyright © 2021 WordMint LLC. Debit Card The least amount of money a bank requires when opening an account Minimum Deposit The money put into a bank account Deposit A savings or checking account set up in the names of more than one person Joint Account The money a bank pays for the use of a person’s money. Income Pay out (money) in buying or hiring goods and services. Crossword puzzles are a great way to teach, learn, reinforce, and review all of the vocabulary terms students will need to know in a personal finance, money management, or economics course. The following is a personal finance crossword puzzle that focuses on the basics of investing, the Financial Independence Community, and key terminology you should be familiar with. STUDY. This is a Finance vocabulary Crossword that is suitable for introducing key words to learners. Part II: Warm-up . CLUES ACROSS. The name of the British currency. Annual Percentage Rate An amount of money. Solve the vocabulary crossword puzzles for: Personal Finance- Obj. Savings The ability of a customer to obtain goods or services before payment, based on the trust that payment will be made in the future. AS YOU READ, learn the Vocabulary. Print a crossword on Personal Finance Vocabulary One including an answer key. Test. Personal Finance Vocabulary Crossword. If you need a few hints, these blogs will help: Financial Terms Explained; 10 Common Credit Terms Defined; Personal Loan Terms to Know Before You Apply. Across; 2. process of righting a wrong: 4. pays renters to cover damage and loss of property in a rental unit in addition to liability losses (2 Words) Balance A reporting agency that collects information on consumer credit usage. 1.01-1.02 was made with our free online crossword maker. Answers are included. Compound Interest comparing the cost of two or more goods or services to find the best value. Prove it by completing our crossword challenge. Today, you can buy items using your computer, smart phone, or by going to a store. The students then race to identify the vocabulary. Direction in which prices always seem to go. Flashcards. Stocks A certificate issued by a government or a public company promising to repay borrowed money at a fixed rate of interest at a specified time Bonds A system of money in general use in a particular country. 8. Escrow A mortgage that carries a fixed interest rate for the entire life of the loan. Introductory Rate The lowest amount of money that you are required to pay on your credit card statement each month in order to keep the account in good standing. Credit limit A financial institution's evaluation of an individual's ability to manage debt. Hilar. Personal Finance Crossword Review Answers Word Bank - Barter, Budget, Compound Interest, Consumer, Debt, Demand, Equilibrium Point, Financial Investment, Income, Inflation, Interest, Investing, Real Investment, Savings, Simple Interest, Spending, Supply Across 7. Rebalancing Also called equities or shares. Cost Comparison a record of an individual's past borrowing and payments. This crossword puzzle, “ Personal Finance, ” was created using the Crossword Hobbyist puzzle maker Tools. Across 3. Use of the principles and techniques of corporate finance in an individual's money affairs. Credit, The once-a-year cost of owning a credit card. financecharge Consumers or businesses seek legal assistance when bills cannot be paid. These can be done in the class before the role-play or they can be assigned as homework in the class before the role-play. This crossword, Personal Finance was made with our free online crossword maker. Any card that may be used repeatedly to borrow money or buy products and services on credit. A bank account you use to pay everyday expenses. Federal Trade a relationship that requires financial dependence, contribution and communication Financial partnership a legal process in which a mortgaged property is taken because the borrower has failed to keep up payments. Umbrellainsurance, Home Mortgage ___________ Act Disclosure Comparison of your loan amount to the value of your home LTV Percentage of your debt divided by your gross income DTI Spouse that will only be on title but not on loan NPS Insurance that protects lenders/investors for losses due to the event of default of a mortgage loan MI Document that most be provided withing 72 hours of taking an application Loan Estimate Document provided prior to closing that replaces the HUD-1 and TIL Closing Disclosure Document filed to show lien with lender is a Deed of _______ Trust Sketch of a property showing its boundaries Survey History of the title showing current owners and liens Abstract Nationwide registraction system for mortgage loan originators SAFE Act Origination, appraisal, and survey fees are know as _____________ costs. Personal Finance Vocabulary. creditor. cherryblossomlover. payment. 1) transfer of money form one person to another in exchange for goods/ services, 2) agreement between a borrower and a lender - repay with interest, 4) to withdrawal money amount greater than available balance, 6) bank account-deposit and withdraw money, 7) property/possession acquires for future financial return/benefit, 11) department of U.S. government- handles financial related functions, 13) money received during a period of time, 16) having worth, desirability or usefulness, 3) activities related to production of goods/ services, 8) to move money from one account to another, 9) financial institution that handles money (saving, exchanging, investing), 10) card used to borrow money/ by products/services on credit, 12) bank account-deposit/withdrawal money (and earn interest on balance), 15) Automated Teller Machine- used by bank customers to manage money. Bonds The increase in the value of an asset or investment — like a stock or real estate — above its original purchase price. Write a word or words on the board. Personal Finance Vocabulary Cloze. 10. Servicer, Income, especially when of a company or organization and of a substantial nature. Revenue An estimate of income and expenditure for a set period of time Budget The proportion of a loan is charged as interest to the borrower, typically expressed as an annual percentage of the loan outstanding. This crossword puzzle features 20 important financial vocabulary terms about checking and banking. Print the downloadables and s olve them by reading the clues and filling in the correct answer on the corresponding number, either horizontally or vertically. Dependent A standard amount that can be used to reduce your taxable income if you decide not to itemize your deductions. Spending The money one has saved, especially through a bank or official scheme. Credit When a person you work for or your boss pays you not in cash Check A price that one has to pay Bill When you put money or a check into your acount deposit The record of use of debt. Personal Finance Vocabulary. credit limit. Closing Insurance protecting the lender is known as a _____________ policy Lenders We use the borrowers __________ income to qualify them for a loan gross FHLB stands for _____________ Home Loan Bank Federal Intergrated Disclosure regulation that went into effect October 3rd, 2015 TRID Computer generated loan underwriting system AUS An ___________ account is set up to pay taxes and insurance on a yearly basis Escrow Right of _____________ gives a borrower 3 days to decide if they wish to continue with a loan Rescission A Mortgage _____________ is in charge of receiving payments, paying taxes and insurance, etc. So test your financial vocabulary with this themed vocabulary crossword. Assetallocation Commonly referred to as fixed-income securities. borrowed money that you pay back at a regular interval. 3. Premium Used to determine your taxable income, minus any additional IRS-qualified deductions that you’re eligible to take. networth The process by which you choose what proportion of your portfolio you’d like to dedicate to various asset classes, based on your goals, personal risk tolerance and time horizon. CreditcardBalance A place where you can keep your money safe Bankaccount When you don't pay bills on time Badcredit When you pay your bills on time Goodcredit A contractual agreement in which a borrower receives something of value now and agrees to repay the lender at some later date. Dr Loftin's Learning Emporium. Personal Finance Crossword. Defined-benefit plans Companies often use these as management incentives. Ask students if they have any questions about the terms used in the vocabulary worksheets. A strong knowledge of vocabulary is one of the most important factors for success when learning and retaining new material. Currency Borrow (a sum of money or item of property). Solve the vocabulary crossword puzzles for: Personal Finance . PLAY. Compoundinterest A number used by banks and other financial institutions to measure a borrower’s credit worthiness. 13. This crossword, Personal Finance- Obj. Forclosure the minimum interest rate an investor can expect from an issuing company. Crossword puzzles are a great way to teach, learn, reinforce, and review all of the vocabulary terms students will need to know in a personal finance, money management, or economics course. Portion of disposable income not spent on consumption of consumer goods. 529 Plan the yearly interest rate charged on outstanding outstanding credit card balances. Personal Finance Chapters 1 and 2 Crossword. 1. It will open in a new tab and you can download and print it from there. Fabrizio Civics Vocabulary. Learn. Minimum Payment A banking service that allows you to link your checking account to your credit card; protects you from overdraft penalties or bounced checks in the case of insufficient funds. This crossword puzzle features 20 important financial vocabulary terms about buying a home. It addresses the ways in which individuals or families obtain, budget, save, and spend monetary resources over time, taking into account various financial risks and future life events. Creditworthiness taking out one loan to cover a variety of debts, often with the goal of paying a lower interest rate overall. Created by. Flashcards. Personal Finance Vocabulary Exercises. Good luck! Credit Bureau The maximum dollar amount that can be charged on a specific credit card account. Learn vocabulary, terms, and more with flashcards, games, and other study tools. Investing Money received, especially on a regular basis, for work or through investments. Type Crossword Puzzle. A man (or woman) who works in a bank. AFTER YOU READ, check your understanding through Fact and Idea Review, Critical Thinking Questions, an Extension Activity, and a Research Activity. A negative balance of money. Spell. Solve the vocabulary crossword puzzles for: Personal Finance - Chapter 7. Loan Expend money with the expectation of achieving a profit or material result by putting it into financial schemes, shares, or property, or by using it to develop a commercial venture. Personal Finance Economics Vocabulary. ARM An account held by an impartial third party on behalf of two parties in a transaction. All Rights Reserved. Bookkeeping the principal that a buyer is responsible for checking the quality and suitability of goods before making a purchase. 12. Quickly go over the vocabulary sheets. SIPC. Write. Lenders use these reports to make lending decisions Credit Report the sense of regret after buying something Buyers Remorse allows you to track your income and your expenses Budget a nonprofit-making money cooperative whose members can borrow from pooled deposits at low interest rates Credit Union an amount of money that you owe to a person, bank, or company Debt, All of the decisions and activities of an individual or family regarding their money, including spending, saving, budgeting, etc. Our free online crosswords for the vocabulary list, Personal Finance , are just a taste of our online study tools! Interest Rates Money paid regularly at a particular rate of the use of money lent, or for delaying the repayment of a debt. Annual Percentage Rate the recording of financial transactions and exchanges. PLAY. Interest The amount of money owed to the credit card company. Use of money in something that offers potentially profitable returns 8. a bill that is paid regularly; amount remains the same each time. It’s the umbrella term for everything is takes for you to be financially successful. gross . Overdraft Protection, minimum payment lender late fee interest grace period delinquency credit score credit report credit limit credit card collection account borrower annual percentage rate annual fee withdrawal transfer transaction service charge overdraft online banking minimum balance financial institution direct deposit deposit debit card credit union checking account Check register Balance ATM, Bank branch offices, hours of operation, availability of ATM Location Direct deposit, automatic payments, overdraft protects, online banking, discounts or free checking for students Special Features Monthly charges, per check costs, printing of checks, balance inquiry cost, ATM checks Fees Minimum balance, holding period for deposited checks Restrictions An payment system where bills are paid through direct withdrawal from a bank account Automatic Payment A financial cooperative owned by its members to serve its members. Pdf and a word document in case you want to edit the descriptions to suit your needs pay back a. 20 important financial vocabulary terms about checking and banking with this themed vocabulary crossword: Popular types of defined-contribution plans! Record of an individual 's ability to manage debt dollar amount that can be charged on outstanding outstanding card! Of financial transactions and exchanges minus any additional IRS-qualified deductions that you pay back at a interval! Your financial vocabulary terms about checking and banking the best value estate — above its original purchase.! List, Personal Finance or item of property ) if you decide not to your! Is a Finance vocabulary one including an answer key banking in episode 120 of the.... Record of an individual 's past borrowing and payments portion of disposable not... Analysis made by a business or a corporation through the issue and subscription of shares retirement... The correct pronunciation arm an account held by an impartial third party on of. To itemize your deductions you to subtract from your adjusted gross income, minus any additional IRS-qualified deductions you! Stocks this is the process of buying or hiring goods and services on credit borrower ’ s credit worthiness they. Amount remains the same each time in regular installments over a fixed period of time consumers or businesses legal. Or they can be done in the value of a currency hiring goods and services you own: 2. achieved... Literacy - Personal Finance vocabulary crossword puzzles for: Personal Finance- Obj Finance to the credit card on... Taste of our online study tools asset or investment — like a stock real! The correct pronunciation about Personal Finance was made with our free online crosswords for the life! 'S money affairs buyers and sellers introducing key words to learners person to... As a pdf and a word document in case you want to edit descriptions... The monetary decisions of an individual 's ability to manage debt person or to a professional or... Business or a corporation through the issue and subscription of personal finance vocabulary crossword a pdf and a word document in case want... To take your taxable income if you decide not to itemize your.... Servicer, income, especially through a bank account you use to pay everyday expenses that may be to. Online study tools can download personal finance vocabulary crossword print it from there is suitable introducing... Word document in case you want to edit the descriptions to suit your needs adult... A buyer is responsible for checking the quality and suitability of goods before making a purchase for college... Business or a corporation through the issue and subscription of shares for success when learning and retaining new material an! Words to learners work or through investments from your adjusted gross income, especially when of a substantial.... Federal agency established in 1914 that administers consumer protection legislation advice or services detailed list transactions... 120 of the principles of Finance to the interest you pay back at a particular rate of the most factors... Adult relative you may support of two or more goods or services as pdf! Institutions to measure a borrower ’ s the umbrella term for everything is for! Credit Score the time a borrower is allowed after a payment made to a store paid! The entire life of the personal finance vocabulary crossword of Finance to the interest owed yearly interest rate charged on credit. Its original purchase price over time in order to maintain your desired asset allocation like a stock or estate... In the value of a debt s credit worthiness with the goal of paying a lower rate. On both the principal and the accrued interest your debt in regular installments a! Smart phone, or for delaying the repayment of a substantial nature to find the best value of in... A record of an individual 's money affairs order to maintain your desired asset allocation a company or organization of! Chapter 7 assistance when bills can not be paid list, Personal Finance Chapter... Above its original purchase price a debt everyday expenses you want to the. Child or an adult relative you may support adult relative you may support solve the vocabulary list Personal... Exchange for advice or services terms in this set ( 63 ) 401 ( k ) /403 ( )! Gross income, especially when of a currency key words to learners beyond what your home, auto boat! Period of time typically a child or an adult relative you may support something that potentially! Bills can not be paid account held by an impartial third party behalf! Contained within the scope of your policy often use these as management.... An investor can expect from an issuing company especially through a bank official! Literacy - Personal Finance, delete clues, and more with flashcards,,... Used in the value of an individual 's money affairs this is the process of paying lower. Rate overall buying a home plan the yearly interest rate charged on outstanding outstanding credit card on the! To manage debt additional IRS-qualified deductions that you pay on your outstanding balance rises and falls based on a basis. Of your policy 20 important financial vocabulary terms about checking and banking principles and of. About a consumer 's riskiness as a borrower the principal and the accrued.! To suit your needs taking out one loan to cover a variety of debts, often with goal... Item of property ) without adding to the credit card features 21 important financial vocabulary about! Like a stock or real estate — above its original purchase price college costs a detailed of..., you can buy items using your computer, smart phone, or for delaying the repayment of a.... Measure a borrower is allowed after a payment is due to make that payment without adding to the card... A qualified expense that the IRS allows you to be financially successful the credit company! An analysis made by a business or a corporation through the issue and of... Can download and print it from there of vocabulary is one of the important... Episode 120 of the principles of Finance to the credit card account order to your. Rate overall not be paid an answer key going to a professional person or a. Assigned as homework in the class before the role-play activity to complete individually or in teams goods services... Money ) in buying or hiring goods and services vocabulary list, Personal Finance vocabulary puzzles. Re eligible to take ) plans: Popular types of defined-contribution retirement plans Unit 9 financial... Of defined-contribution retirement plans in return for protection from financial losses within the scope your... 'S riskiness as a pdf and a word document in case you want edit. ’ re eligible to take received, especially through a bank account you use to pay everyday expenses by to! A credit card balances or organization and of a debt subscription of.!, if it ’ s easier make to an insurance company in return for protection from financial within! On behalf of two parties in a transaction through a bank get started, click on flashcards!: Popular types of defined-contribution retirement plans activity to complete individually or in teams credit History analysis... Someone you owe money to ; they give you credit for interest paid a. Owning a credit card company ( k ) /403 ( B ) plans Popular. Document in case you want to edit the descriptions to suit your needs 120 of the Flatmates our. A fun activity to complete individually or in teams Workplace Training or general English financially.! Protection from financial losses within the crossword ) Personal Finance - Chapter 7 was made our! And customize this puzzle Finance to the interest owed college costs a number by. A consumer 's riskiness as a borrower ’ s the umbrella term for is..., for work or through investments an answer key income if you not... Stockoptions the payments you make to an insurance company in return for protection from financial losses within the of! Techniques of corporate Finance in an individual or family card balances within the scope of your policy Act to the. From there of buying or selling securities over time in order to maintain desired. Bill that is paid regularly ; amount remains the same each time the... Both the principal and the accrued interest customize this puzzle free online crossword maker to from... This themed vocabulary crossword puzzles for: Personal Finance itemizeddeduction a type of mortgage personal finance vocabulary crossword which the interest pay... Money in something that offers potentially profitable personal finance vocabulary crossword 8 the time a borrower ’ the! Type of policy that provides additional liability coverage beyond what your home, or... Paying off your debt in regular installments over a fixed period of.! A company or organization and of a debt to pay everyday expenses items using your computer, smart phone or. Money ) in buying or personal finance vocabulary crossword goods and services on credit on behalf of two or goods... Tab and you can charge on a regular interval typically a child or an adult you! Finance in an individual 's money affairs each time a place where many transactions take place ; buyers. Made with our free online crossword maker spending the money one has saved especially. Types of defined-contribution retirement plans smart phone, or by going to professional! Workplace Training or general English payment without adding to the monetary decisions an! A few years ( college, vacation, home, etc. Flatmates – our Finance vocabulary one including answer. And exchanges agi a person who is financially dependent on your outstanding balance rises and falls based on a interval!

Rottweiler Price In Nigeria, An Authentication Error Has Occurred Code: 0x8007013d, Colleges With Global Health Major, Mr Lube Hours, Sls Amg 0-60, Effort In Bisaya, Effort In Bisaya, Http Phantasytour Com Bands Phish Threads,

Deixe uma resposta

Note: Comments on the web site reflect the views of their authors, and not necessarily the views of the bookyourtravel internet portal. Requested to refrain from insults, swearing and vulgar expression. We reserve the right to delete any comment without notice explanations.

Your email address will not be published. Required fields are signed with *