Home of the Hard Noise podcast with CJ McMahon and Sam Rilatt! News, views, bants, MOSH and MORE! #hardnoise
…
continue reading
BiggerPockets Daily takes the real estate investing wisdom contained in tens of thousands of BiggerPockets Blog articles and converts it into a convenient daily audio experience... because you can't have your face in a screen while you're out there living your busy life. Rental properties, house flipping, wholesaling... it's all here. And unlike other daily podcasts, the information is timeless – so you can learn on your timeline. Skip episodes, take a break, then binge and catch up. Or just ...
…
continue reading
1
1428 - Here’s Why Real Estate Investors Are Turning to ATMs For Diversification by CJ McMahon
17:31
17:31
Mais Tarde
Mais Tarde
Listas
Like
Curtido
17:31
If you’re looking to diversify your investment portfolio in 2024, investing in ATMs should definitely be on your radar. We all know that economic conditions for real estate investors have gotten tougher in the last few years. Tighter margins, smaller ROIs, and fewer investment opportunities are a reality. Not so in the ATM industry. ATMs are a rema…
…
continue reading
1
1431 - 12 Cities You’ll Regret You Didn’t Invest In 10 Years From Now by Jeff Vasishta
21:03
21:03
Mais Tarde
Mais Tarde
Listas
Like
Curtido
21:03
Trying to predict the next hot real estate market is like catching an eel with grease on your hands: The moment you think you’ve got a handle on the next hot spot, everyone else has the same idea. Inventory shrinks while prices shoot up, and what once looked good suddenly cools. However, if you’re prepared to be specific in your search, you can pin…
…
continue reading
1
1430 - Maximizing Your Rental Income: ## Tips From My House Hacking Experience by Noah Bacon
17:30
17:30
Mais Tarde
Mais Tarde
Listas
Like
Curtido
17:30
For first-time and aspiring house hackers, avoiding mistakes early in your investing career is crucial in speeding up your momentum when building your foundation. Right now, competition is high, and investors are finding themselves in markets where great deals are becoming rare. It could not be a more important time to sharpen your skills, round ou…
…
continue reading
1
1429 - Senator Warren’s New Bill Includes Estate Tax Hikes, Private Equity Crackdowns, and Incentives by Jeff Vasishta
13:27
13:27
Mais Tarde
Mais Tarde
Listas
Like
Curtido
13:27
With the housing crisis being one of the major issues Americans face today, politicians have recently offered various ideas on how to combat it, from President Biden’s rent hike cap to the latest bill from Massachusetts Senator Elizabeth Warren, who has proposed investing $500 billion in an attempt to make housing more affordable over the next deca…
…
continue reading
1
1427 - Airbnb’s Algorithm: How Often Should You Update Your Listing? By Liz Zack
8:23
8:23
Mais Tarde
Mais Tarde
Listas
Like
Curtido
8:23
When you’re competing for ranking on VRBO or Airbnb, playing by the rules of the algorithm is everything. Take too long to get back to a tenant question, and watch your placement slide. But how important is it to update your short-term rental’s headline? The truth is, the best intel we have is not directly from the listing sites. Just like with Goo…
…
continue reading
1
1426 - New York City’s Real Estate Brokerages Could to Be Destroyed By a New Law by Jeff Vasishta
15:30
15:30
Mais Tarde
Mais Tarde
Listas
Like
Curtido
15:30
The New York real estate industry is fuming. New legislation might force landlords to pay the hefty broker’s fees that tenants have traditionally paid to real estate companies. Should the law pass, many landlords might skip brokerages to preserve their cash flow. They won’t get much sympathy from tenants, though. With soaring New York rental prices…
…
continue reading
1
1425 - Is California’s ADU Law the Beginning of a New Era in Housing? By Lindsay Frankel
15:55
15:55
Mais Tarde
Mais Tarde
Listas
Like
Curtido
15:55
On June 11, the city of San Jose became the first municipality to update its zoning code in accordance withCalifornia Assembly Bill 1033, which went into effect at the beginning of the year. The law allows for local ordinances that permit homeowners to sell accessory dwelling units (ADUs) as condominiums, but cities must opt in. "Keep reading the a…
…
continue reading
1
1424 - How to Retain Tenants by Chris Bibey
11:45
11:45
Mais Tarde
Mais Tarde
Listas
Like
Curtido
11:45
It’s one thing to attract a tenant to your rental property. It’s another thing entirely to retain them. Here, we provide guidance on how to retain tenants and the financial results of doing so. "Keep reading the article here: https://www.biggerpockets.com/blog/how-to-retain-tenants Become a member of the BiggerPockets community of real estate inves…
…
continue reading
1
1423 - The 4 Freedoms for the Perfect Life and How to Create Each by G. Brian Davis
12:49
12:49
Mais Tarde
Mais Tarde
Listas
Like
Curtido
12:49
Most people drift along life’s current. They work 9-5 jobs, live within 30 miles of where they grew up, and don’t change careers often, if ever. There’s nothing inherently wrong with any of that—if you’ve considered all your options and then intentionally chose that lifestyle. The problem, of course, is that most people living that lifestyle just f…
…
continue reading
1
1422 - How to Deal with Tenant Complaints by Ana Gotter
15:08
15:08
Mais Tarde
Mais Tarde
Listas
Like
Curtido
15:08
Landlords can expect two things to be true: The profit potential is exceptional, and tenants will have complaints. Homeownership comes with natural ups and downs, with the ongoing hassle of maintenance issues, frustrating neighbors, and even occasional financial hardship. As a landlord, you get to handle these issues as they arise for your tenants,…
…
continue reading
1
1421 - Why Successful Real Estate Investing Is All About Finding the Right Deal by Henry Washington
9:06
9:06
Mais Tarde
Mais Tarde
Listas
Like
Curtido
9:06
As you start to explore real estate investing, one of the first things you’ll hear about is the importance of finding deals. It’s a topic that dominates articles, BiggerPockets forum posts, YouTube videos, and conversations within the industry—and for good reason. Finding deals is the lifeblood of real estate investing. Here are four key reasons wh…
…
continue reading
1
1420 - Understanding Fair Housing Laws by Brandon Turner
21:02
21:02
Mais Tarde
Mais Tarde
Listas
Like
Curtido
21:02
The Fair Housing Act (FHA) ensures any person can buy or rent a house or apartment wherever they want regardless of their race, ethnicity, gender, religious preference, disability, family status, or national origin. In 2015, the United States added discrimination based on sexual orientation or gender identity to the list of protected classes. As a …
…
continue reading
1
1419 - Can a Landlord Break a Lease by Cyrus Vanover
17:09
17:09
Mais Tarde
Mais Tarde
Listas
Like
Curtido
17:09
Not all tenants work out the way we hope. Maybe a renter is habitually late paying rent, disruptive to other tenants, or engages in illegal activity. Whatever the reason, you may be wondering: “Can a landlord break a lease?” The short answer is—it depends. Before you break a lease agreement, make sure you have a valid reason and that you follow all…
…
continue reading
1
1418 - Rent Prices Are “Guaranteed” to Increase Over the Next Two Years—Here’s Why by Jeff Vasishta
14:52
14:52
Mais Tarde
Mais Tarde
Listas
Like
Curtido
14:52
For landlords feeling the pinch of high interest rates or would-be investors wondering how they can cash flow, there’s some good news: Rents will continue to rise. However, for rent-burdened tenants, the outlook is not so rosy. “We’re gonna build 600,000 apartments this year,” Barry Sternlicht, CEO of Starwood Capital, an investment firm specializi…
…
continue reading
1
1417 - 6 Property Tax Strategies for Long-Term Real Estate Holding by David Abraham
11:59
11:59
Mais Tarde
Mais Tarde
Listas
Like
Curtido
11:59
Real estate is typically an excellent choice for long-term investment. However, as with any investment, there are potential pitfalls to consider. One is ensuring you make adequate plans to handle the complex web of property tax regulations. The tips we’ll share here will help you make smarter decisions about your property tax strategies to maximize…
…
continue reading
1
1416 - How to Figure Out Repair, Rehab, and Renovation Costs on Any Project by Bruce Woodruff
12:24
12:24
Mais Tarde
Mais Tarde
Listas
Like
Curtido
12:24
The question is asked all the time: How can I estimate average rehab costs? Well, there is no average rehab cost because there is no average rehab. Some properties will need major structural modifications; others just a lipstick approach. Some may have a recently remodeled kitchen, and others may have a 1950s galley kitchen. But since this is such …
…
continue reading
1
1415 - Investing In an Uncertain Housing Market by Dave Meyer
13:01
13:01
Mais Tarde
Mais Tarde
Listas
Like
Curtido
13:01
I think we can all agree that the economic outlook is uncertain. You can pick almost any economic indicator (inflation, labor market, real GDP, etc.), and find conflicting and confusing signals. As investors, this can be daunting. How can we make wise investing decisions when the economic climate is so murky? Here are four tips on how you can conti…
…
continue reading
1
1414 - The Rental Market for Single-Family Homes Is Set to Soar by Jeff Vasishta
15:58
15:58
Mais Tarde
Mais Tarde
Listas
Like
Curtido
15:58
Morgan Stanley real estate analyst Laurel Durkay appeared on CNBC recently to deliver the financial behemoth’s latest housing outlook. It was great news for property owners and a call to action for potential buyers sitting on the fence, waiting for rates to fall. Such is the shortage of inventory; in the next decade, 2 million homes will need to be…
…
continue reading
1
1413 - The Move-in Checklist for Landlords by Chris Bibey
13:29
13:29
Mais Tarde
Mais Tarde
Listas
Like
Curtido
13:29
You put a lot of time, money, and effort into finding the right tenant. From writing a rental property listing to showing the property, the process can require a lot from you. But that’s OK. The end result is well worth it. With a tenant lined up and a move-in date scheduled, it’s time to take the next step: prepping the property. This move-in chec…
…
continue reading
1
1412 - What to Do When a Tenant Violates the Lease by Cyrus Vanover
17:47
17:47
Mais Tarde
Mais Tarde
Listas
Like
Curtido
17:47
A lease is a binding legal contract that includes protections for both the landlord and tenant. Just as you are required to uphold your end of the agreement as the landlord, tenants also have certain obligations they are required to uphold. You have discretion in determining what to do when a tenant violates the lease. It doesn’t always have to lea…
…
continue reading
1
1411 - Corruption Scandal Shows How Some Housing Nonprofits Misused Tax Dollars to Obstruct Affordable Development by Lindsay Frankel
19:55
19:55
Mais Tarde
Mais Tarde
Listas
Like
Curtido
19:55
HomeRise, a nonprofit housing developer that has received more than $200 million in grants and loans from the city of San Francisco, declares on its website that its mission is “to help people experiencing homelessness secure housing and become self-sufficient.” However, in April, an independent audit revealed questionable spending of the organizat…
…
continue reading
1
1410 - Freddie Mac’s CFO Just Resigned, Will Freddie Change Direction? By Jeff Vasishta
12:06
12:06
Mais Tarde
Mais Tarde
Listas
Like
Curtido
12:06
As of June 28, Freddie Mac CFO Christian Lown will resign from the government-sponsored enterprise (GSE) mortgage provider to join CoStar, the behemoth real estate listing and data and analytics company valued at around $30 billion. Usually, when someone leaves a government job for the private sector, there’s a tacit understanding that the new posi…
…
continue reading
1
1409 - Top 5 Alternative Investments for Real Estate Investors in 2024 by CJ McMahon
16:33
16:33
Mais Tarde
Mais Tarde
Listas
Like
Curtido
16:33
Maybe you’re looking to diversify your investment portfolio, or maybe you’ve done your research into real estate investing and just realized you don’t have the time and energy required. Real estate investing is almost nevertruly passive, and it is not immune to problems like reduced cash flow during between-tenant periods. Whether you are a seasone…
…
continue reading
1
1408 - The Real Impact of 0% Down Mortgages and How an Investor Could Use One…or Not by G. Brian Davis
12:40
12:40
Mais Tarde
Mais Tarde
Listas
Like
Curtido
12:40
Raise your hand if you got burned by real estate in 2008. You can’t see it, but I’m raising my hands, feet, and even the hairs on my neck. United Wholesale Mortgage (UWM) recently made news by launching a 0%-down mortgage program. And it reminds many real estate analysts of the subprime mortgage frenzy that helped fuel the market collapse back in 2…
…
continue reading
1
1407 - 4 Crucial Tips for First-Time Investment Property Buyers by Eric Fernwood
14:33
14:33
Mais Tarde
Mais Tarde
Listas
Like
Curtido
14:33
Over the past 16 years, I’ve worked with nearly 200 first-time investors. From my experience, until they go through our training, most are completely focused on ROI and cash flow. Here are some key points new investors must keep in mind: You’re not buying real estate—you’re buying a lifelong income stream. Vacancy costs can be a killer, so estimati…
…
continue reading
1
1406 - The Government Has Taken a Permanent Intellectual Vacation by Andreas Mueller
13:46
13:46
Mais Tarde
Mais Tarde
Listas
Like
Curtido
13:46
Last week, the federal government announced plans to block medical debt from credit reports, which are used to evaluate a borrower’s financial fitness for large-ticket items, specifically mortgages and car loans. This would make it easier for folks to acquire more debt and not be “judged” for it. All things being equal, it’s not a good idea. Let’s …
…
continue reading
1
1405 - “Housing Cartel” Investigated by the DOJ Puts Landlords on Alert by Jeff Vasishta
15:13
15:13
Mais Tarde
Mais Tarde
Listas
Like
Curtido
15:13
A housing cartel? No, not in a lawless narco-state, but in major American cities, where corporate landlords have been accused of conspiring with Texas-based real estate software company RealPage to drive up rents. Most recently, Atlanta-based Cortland Management, one of America’s largest landlords, was served a warrant by the FBI concerning an ongo…
…
continue reading
1
1404 - First Time Landlord Tips by Cyrus Vanover
18:06
18:06
Mais Tarde
Mais Tarde
Listas
Like
Curtido
18:06
Buying your first rental property is an exciting time. You’re taking an important step that could transform your financial future. But before you invest in a property, it’s a good idea to make sure you are prepared to help you avoid costly mistakes and to maximize your chances of success. Before You Start Renting There are some things you must take…
…
continue reading
1
1403 - Amazon Puts $1.4 Billion More Into Its Housing Fund, But Critics Call It a PR Play by Anna Cottrell
16:26
16:26
Mais Tarde
Mais Tarde
Listas
Like
Curtido
16:26
On June 11, Amazon announced that it would be contributing another $1.4 billion to its Housing Equity Fund.Amazon created the fund back in 2021, initially giving $2.2 billion “with a commitment to create or preserve 20,000 affordable homes in the Puget Sound, National Capital, and Nashville regions—three communities that Amazon calls home,” accordi…
…
continue reading
1
1402 - The Move-out Checklist for Landlords by Chris Bibey
11:38
11:38
Mais Tarde
Mais Tarde
Listas
Like
Curtido
11:38
Just as there is a move-in checklist for landlords, there’s also a move-out checklist to guide you when the time comes. Taking the right steps now will make it easier to market your property and ensure a seamless transition to a new tenant in the future. Communicate to the Tenant Their Responsibilities It’s your responsibility to communicate to the…
…
continue reading
1
1401 - These 11 Markets Used to Be America’s Hot Spots. Now They’ve Gone Cold by Jeff Vasishta
12:52
12:52
Mais Tarde
Mais Tarde
Listas
Like
Curtido
12:52
Are you a new college graduate (or a concerned parent) wondering if it is possible to buy a house? Spoiler alert: It is absolutely possible! It may be easier for someone further along in life, with a more established financial situation, but that does not mean you have no chance of qualifying for your first mortgage right out of college. There are …
…
continue reading
1
1400 - Homebuying Reality Check: College Graduates Can Still Succeed by Noah Bacon
19:09
19:09
Mais Tarde
Mais Tarde
Listas
Like
Curtido
19:09
Are you a new college graduate (or a concerned parent) wondering if it is possible to buy a house? Spoiler alert: It is absolutely possible! It may be easier for someone further along in life, with a more established financial situation, but that does not mean you have no chance of qualifying for your first mortgage right out of college. There are …
…
continue reading
1
1399 - Yes, Earning Financial Independence Has Downsides by Whitney Hutten
12:25
12:25
Mais Tarde
Mais Tarde
Listas
Like
Curtido
12:25
The pursuit of financial independence (FI) is a journey that promises freedom, security, and the ability to live life on your own terms. However, this path isn’t always straightforward—nor without pitfalls. It’s tempting to focus solely on financial freedom, but obsessing over it can have unexpected downsides that affect your overall happiness and …
…
continue reading
1
1398 - Real Estate Investing Has Tremendous Tax Benefits—If You Know What You’re Looking For by Thomas Castelli
15:57
15:57
Mais Tarde
Mais Tarde
Listas
Like
Curtido
15:57
As we all know, one of the main advantages of investing in real estate is the tax benefits. Many of the investors who I meet for the first time are broadly aware of depreciation, expenses incurred through renovations, and operating costs. However, many don’t know about the steps they need to take to maximize their deductions or about costly mistake…
…
continue reading
1
1397 - How I’m Able to Find Success in Real Estate Even Without Securing Great Deals by Eric Fernwood
10:19
10:19
Mais Tarde
Mais Tarde
Listas
Like
Curtido
10:19
Success in real estate does not require securing “great deals.” It requires great fundamentals: location, a reliable tenant segment, and properties that attract those tenants. A Personal Case Study Let me share my own experience. In 2016, my partner and I bought a three-bedroom, two-bathroom, one-story townhome. We paid the asking price of $180,000…
…
continue reading
1
1396 - Inflation Hedges: Top 5 Investments for a Rock-Solid Portfolio by Todd Parriott
15:05
15:05
Mais Tarde
Mais Tarde
Listas
Like
Curtido
15:05
The good news is that the inflation rate is on the decline. The bad news is that it still exceeds the Federal Reserve’s target rate of 2%. As a result, the Federal Reserve announced last week that it will maintain the current interest rate of 5.25% to 5.5%. In a statement, the central bank noted: “Economic activity has continued to expand at a soli…
…
continue reading
1
1395 - How to Spot a Fake Guru: 6 Signs It Could Be a Scam by Noah Bacon
14:46
14:46
Mais Tarde
Mais Tarde
Listas
Like
Curtido
14:46
Guru programs are notoriously difficult to assess in terms of quality or outcome for their students. Some students rave about their gurus, while some complain about how they got ripped off by a fake guru. There are a few patterns that raise yellow and/or red flags that I want to call out that are concerning and should make you skeptical when decidi…
…
continue reading
1
1394 - A Revised Affordable Housing Law In Florida Takes Opportunities Away From Developers by Jeff Vasishta
14:21
14:21
Mais Tarde
Mais Tarde
Listas
Like
Curtido
14:21
Since first being introduced in 2023, Florida’s Live Local Act—the $711 million package offering developers tax breaks and bypassing local zoning restrictions to create more affordable and workforce housing—has been a lightning rod for controversy. Local municipalities and residents argued that the increased height of buildings would ruin the chara…
…
continue reading
1
1393 - Airbnb Bans Only Make Tourism More Expensive. Just Ask New York by Lindsay Frankel
15:43
15:43
Mais Tarde
Mais Tarde
Listas
Like
Curtido
15:43
A lot has changed since New York City began strictly enforcing Local Law 18, which effectively banned short-term rentals in the city. But it’s unclear whether improved housing affordability, the goal of the crackdown, is one of those changes. An Airbnb analysis released in January found no evidence that the new rules had impacted rent prices or ren…
…
continue reading
1
1392 - What Are Current DSCR Loan Rates? Key Market Movers and How to Track Rates by Robin Simon
23:30
23:30
Mais Tarde
Mais Tarde
Listas
Like
Curtido
23:30
After a decade of relative stability in mortgage rates, the last few years have seen unprecedented volatility and changes in mortgage rates. Interest rates are often a key concern for real estate investors, as mortgages are often the difference between a cash-flowing deal and a dud. Since spring 2022, when the Federal Reserve embarked on its latest…
…
continue reading
1
1391.1 - BiggerPockets Real Estate 2.0 - A New Era of the Podcast
1:01
1:01
Mais Tarde
Mais Tarde
Listas
Like
Curtido
1:01
The BiggerPockets Real Estate Podcast is about to hit a huge milestone—our 1,000th episode! Real estate has changed quite a bit since we started this podcast, so we’re making some changes, too. We’re bringing on new guests and new formats while focusing on investing tactics and strategies that work in TODAY’s housing market. Oh, and did we mention …
…
continue reading
1
1391 - High-End Homes Hit Peak Prices as Luxury Investors Scramble for Better Deals by Moriah Costa
10:04
10:04
Mais Tarde
Mais Tarde
Listas
Like
Curtido
10:04
Home prices are rising across the country, but luxury home prices are skyrocketing. According to data from Redfin, luxury home prices rose twice as fast as non-luxury homes in the first quarter of 2024. But even as prices jumped, sales are still rising, even as prices for non-luxury homes have declined. The median-priced luxury home sold for a reco…
…
continue reading
1
1390 - A New California Law Just Increased Regulations On Home Flippers by Jeff Vasishta
14:24
14:24
Mais Tarde
Mais Tarde
Listas
Like
Curtido
14:24
You’ve probably heard of the term “lipstick on a pig.” In house-flipping parlance, it means doing basic cosmetic upgrades that camouflage the underlying issues beneath the paint and Sheetrock. California house flippers will have to put their makeup away and bring out the heavy machinery because a new law—Assembly Bill 968 (AB-968), effective July 1…
…
continue reading
1
1389 - 5 Ways to Find Off-Market Real Estate Deals Like a Pro by Brian Tepfer
13:36
13:36
Mais Tarde
Mais Tarde
Listas
Like
Curtido
13:36
For any real estate investor, understanding current market conditions is crucial. Right now, most investors are finding themselves in an environment where great investment deals are more scarce while competition is high. In practice, this means that as a real estate investor, you will miss out on many deals on properties advertised on the open mark…
…
continue reading
1
1388 - 9 Surprisingly Hot Markets Where Investors Can Still Find Affordable Short-Term Rental Properties by Jeff Vasishta
13:33
13:33
Mais Tarde
Mais Tarde
Listas
Like
Curtido
13:33
Now is a great time to be in the vacation rental business. According to short-term rental data and analytics website AirDNA, travelers are spending big on luxury vacation rentals—the more unique, the better. Recent occupancy rates for well-furnished homes increased from 49.1% to 55.9% between 2019 and 2023, with the overall STR market generating a …
…
continue reading
1
1387 - My 1031 Exchange Property Is Listed. Here's How I'm Managing the Clock by Liz Zack
10:13
10:13
Mais Tarde
Mais Tarde
Listas
Like
Curtido
10:13
We identified a seemingly great target property in Sherman, Texas, which is about an hour north of Dallas in the high-growth path-of-progress area along Interstate 75 on the way up to Oklahoma. There were two structures in the deal, including 13 apartments—a mix of studios, one-, and two-bedrooms. We did the underwriting, looked at the full financi…
…
continue reading
1
1386 - Can You Invest In Passive Real Estate Investments as a Non-Accredited Investor? By G. Brian Davis
14:00
14:00
Mais Tarde
Mais Tarde
Listas
Like
Curtido
14:00
Want to invest in real estate but don’t want the headaches of landlords, financing, renovations, renters, permits, inspectors, direct mail campaigns, and all the other hassles that come with a real estate investing side hustle? Me too. I’ve owned dozens of single-family rental properties, but today, I only invest in real estate passively. Passive r…
…
continue reading
1
1385 - 4 Tips for Managing Long-Distance Turnkey Rentals Without Cutting Corners by Zach Lemaster
15:24
15:24
Mais Tarde
Mais Tarde
Listas
Like
Curtido
15:24
Turnkey property investing can be a great option when you are just starting out on your real estate investing journey or when you want to cast a wider net with your investments beyond your local area. When done right, turnkey investment can be a part of a long-term real estate portfolio-building strategy. However, with turnkey investing, the same t…
…
continue reading
1
1384 - The Impact of Lower Mortgage Rates Is Already Being Felt in These Five Markets by Moriah Costa
10:33
10:33
Mais Tarde
Mais Tarde
Listas
Like
Curtido
10:33
Mortgage payments are decreasing, which has some house hunters returning to the real estate market. According to the latest data from Redfin, for the four weeks ended Dec. 31, 2023, the median mortgage payment was down 14% compared to October’s all-time high. Meanwhile, the weekly average rate in early January 2024 was at 6.66% for a 30-year fixed-…
…
continue reading
1
1383 - Low Risk Real Estate Investing by Chris Bibey
13:04
13:04
Mais Tarde
Mais Tarde
Listas
Like
Curtido
13:04
As a real estate investor, you must always remember one thing: every type of investing strategy involves risk. With that in mind, it’s good practice to learn more about low-risk real estate investing strategies. You may come to find that these provide the perfect balance of risk and profit potential. Learn more about your ad choices. Visit megaphon…
…
continue reading