All Your Coupon Questions Answered Here

 



Coupons are a great for saving money and stretching your budget. You may only use them occasionally when going out at a favorite restaurants. Or perhaps you spend a few hours every week. Whatever your level of coupon use, you can step up to a new intensity of savings with the ideas you are about to read.

Be sure you don't purchase an item just buying something because you've got a coupon for it. It's very easy for people to actually spend more money shopping with coupons because they buy items they don't actually need. Just use coupons on items you had been really thinking about buying anyway to prevent investing unnecessary money.

Use all of the coupons that you have at your disposal. This method allows you to make more purchases of essentials while shopping.This is a great way to stockpile on things you use the most. If you're going to use 6 coupons on something you get weekly, use multiple coupons to stock up.

Shop at local stores that honor competitor's coupons to help maximize your shopping trips. If you find that your neighborhood store will accept the competitor coupons and perhaps even double them, you should reward that store with your business.

Always create a list when you go to the store with coupons. You can also write down the number of each thing you want.

Bring all of your coupons with you go to the stores even if you do not plan on using them.

Sign up for an online community that lists deals. There are many websites that offer coupons or where users post about deals.

They may have deals in place that you subscribe and order a certain number of Sunday papers each week.

Don't use up time collecting coupons. Looking through circulars and clipping those coupons can begin to seem like a full time job for you. Figure how much you are saving for each hour you work, and see if this time spent couponing is worthwhile.

"Like" your favorite companies on Facebook for more valuable coupons or offers. "Liking" a brand on Facebook can provide you eligible for certain deals and coupons. Companies are known to reward the most loyal and avid fans, so you don't want to miss out.

Do not rely on your coupons. Coupons come in many forms in technology. There are plenty of online sites that specialize in coupons.

Look for blogs or websites that has an online coupon collection. This saves you have clipped a ton of coupons and do not know how to use them.

You do not have to be shy when you use coupons. People are trying many methods for making their money last. You do not need to feel any shame when you're intelligent enough to save money to use for other things you need.

Shop regularly at stores that double coupons. This is really beneficial for expensive items that don't offer any high value coupons.

Don't use coupons on things you will never use. Don't buy something simply because it is discounted if you are unlikely to actually use it. A lot of people believe that using coupons. If you buy an unneeded item, then you have wasted your money.

You have dedication if you want to save money. Try clipping your coupons every day to make room for a while or you could do it during lunch. Work it into your existing schedule you can.

Learn to create your shopping list around any money saving coupons when it's going to save you have. This can help you the most amount of money.

Watch the cashier is scanning your coupons carefully.
You want to make sure that every last one of your coupons.

Couponing is a wonderful way to help those who are less fortunate.

Create a new email account to use it only for emails. Newsletters produced by manufacturers typically have coupons. If you use your regular email to sign up for these, your inbox may become cluttered. To keep your personal email account from getting bombarded, simply create a special email address just for those types of emails. Login once a week and look through the newsletters to discover whether there's anything useful.

Find coupons by focusing on the website for your favorite companies so you really enjoy. Consider the big name companies that offer many of the products you couldn't live without. You can find anywhere else if you give your email address. They know you are a valuable customer and will reward your brand loyalty with great deals.

Remember that there are coupons don't only have to be used with toiletry items other than groceries and toiletries. Many other types of retailers offer significant coupons. These can usually be found on manufacturer's websites sometimes. Look before every shopping trip to save the most money than usual.

Offer coupons to family and friends. You can provide them with valuable insight that might be happening if they have kids and they can save a ton of money.

Understand how much space bulk purchases. Although you may be thrilled to get that great coupon deal, if your storage space is not sufficient, you have wasted money. Perishable items with short lives of usefulness are a particular problem.

Tell your spouse to let you know about any coupons too. They may find something you overlooked that you some cash. The more people on the search for coupons the better.

Join the loyalty programs for stores and brands you go there a lot.These clubs may offer benefits and coupons only to their members that are not available to the general public.

As you can see from the advice above, there are many ways to save money with coupons. No matter how good you are at couponing, you will be a lot better if you take the tips in this article and use them. Review the concepts often to continuously regain your footing.

Real Investing Tips That Can Change Your Life

 


There are far too many people who jump into the real estate investment arena without learning how to go about it properly, though many fall short of success due to lack of knowledge. Continue reading to learn a few good pointers regarding real estate investment.


Get to know other people who invest in the real estate market. It is important that you get the advice of investors who are more experience. It can be helpful to have friends that know a lot about real estate. You can find a community of investors on the Internet. Join a few forums and make an effort to meet some of the users.


When you buy any investment property, make it a point to get a good and affordable handyman. If you don't, you will find all your positive cash flow eaten up by exorbitant repair expenses. A reliable handyman will also be available for any tenant emergency situations arise.


Don't get real estate that is in a less than desirable neighborhood. Be certain to understand the location where you're buying your property. Do all of your homework before you make a decision.A good deal on a nice house may mean that it's in a bad place. It might be difficult to sell and it may be easily vandalized.


Hire a reliable property manager who can screen tenants.Since their rent is paying the mortgage, you have to be sure that they are going to pay.


Don't allow your emergency reserve or cash fund. Investing in real estate means investing money that may be inaccessible for years. Make sure daily life does not get choked up from this.


It would be a mistake to wait around and have the market so you can get some hands-on experience.You may miss out on investment opportunities if you wait compared to those who are getting experienced.


You don't want to make sure that your real estate properties are as hassle-free as possible. Your time is valuable and you would not want to waste it.Avoid rentals in the college market, bad neighborhoods and vacation rentals. Try investing in properties that have a history of reputable and consistent tenancy.


Avoid spending a lot of time on a specific deal. Anything that requires too much of your time is not actually a "deal." It means that you are not have other deals on tap.


A great way to find out if an area is a good financial investment is by looking at the area. If your property is surrounded by vacant properties, chances are your property might be hard to rent.


Untrustworthy individuals could cause damage your property. Background checks don't prevent all issues, but they do help you encounter less issues.


You want to sound as though you know what you are getting into. If a seller can sense that you're a new person to this game, you are likely to be taken advantage of. You want to use the lingo to your lingo and your knowledge to your advantage. You will have the upper hand when negotiating if you sound more professional.


There is a lot of responsibility that goes into real estate market investments. Get yourself established in a community so you work on your savings account.This is how you will build a great way to get established in the business.


Learn how to negotiate so you want success in your real estate investing. You will save yourself thousands by being able to negotiate a property's asking price. Read books and take courses to learn how you can best barter with big boys.


Come up with a strategy for your real estate.Have a plan for your property before you buy it. Decide to flip, wholesale, buy and hold, or renovate the property. It makes it easier to choose an investment property if you understand what you're doing with it.


That involves setting an amount you want to invest, the risks that you are comfortable taking and be comfortable with the amount of time that it will take for your money to begin to produce a return. Don't get invested in things without clearly establishing this criteria being in place.


Know how long it will take for you can earn your money back. You can generally sell shares, bonds, and shares in the mutual funds you have at any time. Some investments, like partnerships, could be restrictive when trying to cash out.


Make a maximum investments in a 401K if your company. This is a really good way to save for you to save for retirement. If your contribution is matched by your employer, it is a great investment. Start out early to maximize returns for the entirety of your employment.


Understand how you can liquidate an investment before making it. This is crucial to decide how you make smart decisions about allocating your money between investments. For instance, with a CD that's simple, you should be aware of the penalties associated with not staying with the investment for the required time. Limited partnerships are another example because sometimes they don't let you cash out whenever you'd like.


Don't listen to all the talk out there. Advice flows freely from all directions.You should figure you exactly who those people are. A lot of just hyping up a certain perspective to try and make money. They want you to invest your funds. It's all in your responsibility to decide where to place your money.


It is important for you to diversify the money you are investing.This means that it would be a mistake to place all of your cash into just one stock or any other investment type. You will want to spread your money into different types of investments. This will protect you in the event one stock plummet.


Investing in real estate is all about making a lot of money, and now that you've gone over these guidelines, you should have some success. Keep studying the market, and you will see results. Good luck and we hope that you will be successful when it comes to investing in real estate.

Making Money by Cooking at Home

 



If you love cooking and want to earn extra income, cooking may be the ideal career for you. Food is an essential part of our lives and cooking is an art that is in high demand. While you don't need to be an expert chef, you can offer your cooking skills as a way to generate extra income. Below are some ways to make money by working from home. Listed below are a few of the most common ideas for creating a side business.

If you have the knack for cooking and want to earn money, you can offer your skills in a variety of ways. You can self-publish a cookbook on Amazon, or create a YouTube channel where you can share your knowledge with viewers. If you are talented at cooking, you can include segments about special ingredients and tips. You can even make a video tutorial on how to prepare a meal for a family. If you're a good comedian, you can draw in repeat visitors.

If you're a good cook, you can sell meals at restaurants. You can even start your own business selling your cooking. You can sell the meals you cook to people around your area. Most advertisements for homemade meals can be made in a home kitchen. You'll also need plenty of equipment for the business, including pots and pans, pots, and pans. In addition, you'll need a refrigerator and oven, as these are important to cooking.

Another way to sell your cooking services is to create a cookbook. You can do this on a tight budget by publishing it yourself. You can also offer digital or physical books through a few different companies. You can also host live shows on YouTube to teach your customers how to cook. You can monetize your channel by displaying ads or affiliate links on your video. If you're a good speaker, you'll be able to attract sponsors and gain income from cooking at home.

If you have a passion
for cooking, you can use your skills to earn money by sharing your cooking expertise with others. You can even make money by hosting virtual cooking classes on Instagram Live. You can also share your cooking expertise through a YouTube channel. You can monetize your channel by selling your recipes and videos. You'll earn by selling ads and promoting your content. For this, you'll need to have a home kitchen with a refrigerator and an oven.

You can make money by cooking at home and selling food to customers. If you're good at cooking, you could even sell your recipes on sites like Instagram and Patreon. In addition to these opportunities, you could also offer your cooking services as a food stylist. There are no set rules for this, but there are several ways to make money by doing this. Aside from catering, you can sell canned goods and create recipes that are inspired by popular cookbooks.

You could also provide cooking classes to others. If you're a good cook, you could also become a nutrition consultant. If you're good at cooking and can offer nutritional advice, you can monetize your skills and make extra money by cooking at home. Besides, you can also give nutrition advice to others, which is an important skill for a healthy life. If you're good at cooking, you can sell your recipes at local markets and at online marketplaces.

Whether you're looking for a side business or an online platform, you can make money by cooking at home. As a chef, you can prepare dishes that cater to various tastes, and sell them to people. In addition, you can also write recipes that feature unique ingredients. The more food you create, the more money you'll make. In addition to being a chef, you can also sell your delicious creations to local businesses.

By providing cooking services to others
, you can make money from home. If you're a good cook and a great cook, you can earn from home by cooking for other people. As a chef, you can charge a fee for each recipe that you create and sell. You can also make a lot of money if you can sell your recipes and share them. However, you have to be prepared to answer the questions that your customers might ask.

There are many ways to make money fast. Listed below are a few examples of quick and easy methods. First, try coin counting. The process of turning loose change into cash takes just a few minutes. You can find a machine to count coins at your local grocery store or bank. Next, turn change into bills using a specialized calculator. You can earn anywhere from $0.01 to $1 per minute. Once you master the process, you can sell your services for a profit.

Using your talents to sell items online. There are many online services that will help you sell your items. For example, you can use Paribus, which is a free bot that can help you get your money back. Parking your car in a costly city can be highly valuable. You can also turn your parking space into cash by charging a small fee for every hour that you park in it. You can earn real cash in a short period of time.

Performing or writing online is another way to make money quickly. Many websites will pay you for your services, and you can earn anywhere from $14 to $50 per hour. If you have a passion for writing, consider offering your skills to help people move. Most people tip the movers, but you can make some extra money by selling your stuff on your own. These ways to make money quickly can add up to a substantial amount of extra cash.

Yard sales are another easy way to make money fast. This is a great way to sell items you no longer use. Selling items on Craigslist is a great way to sell a large amount of things in a short period of time. In addition to selling on Craigslist, you can also sell your stuff on yard sales or garage sales. You'll have to advertise the sale on social media, but you can make a nice profit within a week.

OneSpace pays for various tasks. Once you've signed up, you'll receive payment through PayPal once the company approves your application. The company works with thousands of companies and has an A+ rating with the Better Business Bureau. It's a great way to make money quickly and easily. It's also a great way to make money with no experience. You can make good money doing this. There are also many other ways to earn money by selling used items.

If you have a car that you no longer use, consider working as a driver for Postmates. You don't have to worry about a job. This kind of work is very flexible and allows you to work whenever you want. Unlike the other types of jobs, Postmates is a free delivery service that pays you via PayPal. There are no commitments or fees, and you'll earn real money without putting in any work.

For some people, doing the same tasks that they already do can help them earn money. For example, selling old technology is a great way to make money. If you're into selling things, you can sell them to others. Then you can sell the items to earn cash. This is a great way to make money fast. In the same vein, you can also sell your own old electronics. These are also easy ways to make money.

Getting paid to do odd jobs is another way to make money fast. People in need of extra cash may need someone to do simple tasks. In these cases, the person can simply sell their old items. Likewise, people are too busy to do these tasks can hire someone else to do the task for them. As for the second one, you can offer your services for free. You can even sell your old items. There are many ways to make money online.

The best way to make money fast is to take online surveys. There are many websites that will pay you to fill out surveys. If you have a good credit score, you can get paid to take surveys for different companies. It is easy to make money by answering surveys. There are many ways to earn money online. You can even sell gift cards on eBay or sell them on Facebook marketplaces. Lastly, you can sell your old items.

Need A Payday Loan? Read These Tips First!




Getting a payday advance loan should not be taken lightly. If you haven't already done it, you need to do some homework. This will help you know what you are getting yourself into. Read on if you wish to learn more information about these types of loans.

If you have to get a payday loan, understand that this is essentially your next paycheck. Not understanding this before you take out a payday loan can be detrimental to your future funds.

Don't go to a number of payday lending services in the same day.

The standard time to pay back a payday loan is about two weeks.If you can't pay it back within that time, then you should contact the lender as soon as possible.A lender may offer the option to roll over that will let you get an extention but it might cost you.

Ask bluntly about any all fees you'll be charged. Some people may discover that their fees are higher than expected after they've already signed for the loan.Avoid this situation by reading the fine print and asking questions if you are unclear.

Keep in mind that payday loan will have to be repaid very soon. You need to make sure you will have enough money to pay the entire loan in two weeks or less. The only exceptions are if payday is less then a week after you take out the loan. Then it will become your due the payday after that.

A lot of these companies prey on people that cannot pay them back.They intentionally target poor borrowers that have the greatest chance of not paying on time.

Keep your eyes out for businesses that roll over their finance fee to the next pay cycle. This will cost you because you will be paying off the actual principle. It is not uncommon for borrowers to end up paying multiple times the loan amount.

Do not be surprised if a payday lender requests your bank information. A lot of people don't go through with getting the loan because they are wary about giving out their bank account number.The reason payday loans is that the company auto-debits the money once you get your next paycheck.

Keep in mind that payday loans ought to be used only be applied for in extreme crisis or emergency. These loans can trap you in a downward cycle that is very difficult to escape. You can find yourself unable to pay back your loan.

Don't dodge payday lenders if you find yourself unable to pay the loan back. If you are unable to repay your payday loan as agreed, try to get an extension.

Don't let a lender talk you to borrow more cash than you need. These lending companies can offer more because they know they will make more back in the process. Borrow the amount you need and that's all you should get.

This can save you a ton of money in the long run.

You will probably need to have some phone numbers on hand to apply for payday loans. They will want your phone number, cell and the number to your work. Most payday lenders will also want you to give them some references.

Understand that the mean APR on payday loan is 651.79%. This might be different in another state but payday loans generally have a very high.You just might have to find it in the fine print.

If you happen to be self-employed,
consider a personal loan before a payday loan. This is due to the fact that payday loans generally aren't granted to self-employed people. Payday loan lenders will have a regular paycheck coming to repay the loan.

If you cannot come up with the entire amount this way, get less.

Make sure to check out all of your other loan sources before opting for a payday loans. Think about asking family, think about going to a bank for help. Payday loans tend to be expensive, so only use them as a last resort.

Check out the BBB for information on the most reliable payday loan company. The BBB website will allow you to go over any kind of complaint that have had multiple complaints.

Prior to accepting any payday loan, really think about whether the money you are borrowing is for a real emergency. Payday loans charge high interest rates and should only during times of real financial distress. You shouldn't take out a payday loan if you are irresponsible with your finances.

You should not rely on payday loans every time you need money. It is okay to use this resource occasionally, but doing it more than once can become dangerous.

What were you feeling? Were you relieved to have taken care of? Or was it all about feeling good that you obtained some quick cash? If you find yourself getting a buzz every time you take out a payday loan, then you are likely addicted and need help.

You have to be considered an adult age in order to obtain a payday loan. This means you must be at least eighteen or older in the US. Only an adult can sign loan agreements. This is the case for both online and in-person payday loan store or apply online.

Don't rush into a payday loan without first calmly considering your options first. The process of getting this type of loan is quick; once you get your application approved, living you little time for second thoughts; following the approval of your application the loan usually be in your hands (along with the debt and the interest costs) within one working day.

Always check the reputation and ratings for companies that provide payday loan. Many payday loan companies are actually out to scam borrowers. You need to avoid them at all costs.

A payday loan is something that you should think about. If you don't feel like you know enough, make sure to do some more research. Use the information you just read to help you make the best decision for yourself.

Personal Money Management - A Simple Guide For Getting On Track

Personal money management refers to the ability to set and achieve personal financial objectives. It is important to know where you are today in relation to your goals for the future. There are many areas of our lives that we can improve upon and even change. One important area is how we manage our personal finances.





People who are successful with personal money management understand that it is not about where you are now, but where you want to be. You have to have clarity as to what you want to do, why you want to do it, and how you are going to get there. This will enable you to set achievable, realistic goals and work towards achieving them. Once you have made a plan you must stick to it! Sticking to your personal money management plan will ensure that it will be effective.


Many people go about their personal money management in different ways. Some use checkbooks; others pay bills online using a credit card, and still others use the ATM at the grocery store. Although the best method remains one that is convenient and comfortable, each person has to find what works best for them. The following are some tips for achieving personal money management.


The first step in personal money management is setting and achieving goals. Many people begin by obtaining a personal budget template or checkbook. This is the place you will keep track of all of your expenses and income. Once you have done this, you can begin to set goals for personal money management. Write down all of your income and expenses on paper and be sure to include all of your daily purchases including gas and groceries.


Another important tool to use in personal money management is to set and reach financial goals. To do this, you must determine what is the total amount of money you need to achieve for the next year. Then, write down how much money you plan to spend on things such as food, clothing, entertainment, traveling, and other things. Be sure to include all of your debts as well as savings and investments.


Finally, you must learn to save for emergencies. You can achieve personal money management by creating a savings goal and putting away money each month. If you are going to purchase a new vehicle, you might set aside money each month that will cover the cost. It is very important that you never put all of your savings into one thing because it is easy to do and you will quickly run out of money if you do. Put the money into a savings account where it earns interest.


By following these steps, you can enjoy great success with personal money management. It will allow you to make sure that you and your family live a comfortable lifestyle. Also, if an emergency ever arises, you will be prepared. You will be able to pay for any unexpected expenses with cash or a credit card.


Although there are many different sources of financial advice, personal money management should not be overlooked. It is the most effective method for controlling your finances and living a life that is financially secure. If you find yourself overwhelmed with debt, this could be the perfect solution for you. Remember to set realistic goals for your personal money management plan so you know exactly what is going on with your money on a daily basis.


The first step to personal money management is to write out a long-term goal for your financial security. It should be something that will be with you for a long time so you do not get discouraged when the hard times come back. Your long-term goal will help keep you motivated and remember your goal.


Another step to money management is to create a weekly goal for your cash flow. This should be realistic enough that you can actually pay for the things you need each week. It is also important to set up a monthly goal that has a timeline. This will help you stay on target. When you set money management goals, you are setting rules and boundaries for your personal finances.


Lastly, you should have a short term goal for personal money management. This goal should be as close to your personal spending cap as possible. This will help you control your spending in order to keep your family happy. It will also help you to have some disposable income. Having a goal in place when you are struggling with money is very important. Once you have written down your personal money plan, you are ready to take action.

LIMB LOSS AWARENESS MONTH

 

Limb Loss Awareness Month

Raising Awareness of limb Loss

Limb loss affects so many people every day in Indianapolis. According to the latest census, approximately 1.25 million people in Indiapolis suffer from limb loss or disability. limb loss or disability is defined as functions that are severely hindered by the loss of limbs or parts of the body such as the cervical spine in the case of women or the upper limbs in men. There are several causes of limb loss or disability. HIV/AIDS is a prime cause of body waste management problems in HIV patients.


UNF is now recognizing limb loss and limb differences Awareness Month (LSAM) and, in celebration, the Indianaposlis Rehabilitation Hospital is celebrating its twenty-fiftyth anniversary of the first successful limb loss surgery done on a patient here. llam is being celebrated in April and was begun by the amputee coalition a decade ago. The primary goal of this month of April is to emphasize the significance of using prosthetic limbs, as well as to provide support to organizations working to improve the lives of those who are living with a handicap. Organizations helping those with disabilities should be considered in the limber concept as part of the "human gear" needed for the development of amputees.


Limb Loss Awareness Month


The first organization working on the behalf of those with physical limitations is Artesia University, founded by Dr. B. S. Kumar. Artesia University is located in North Carolina. Its main mission is to train and educate artisans in the United States in drawing and painting. Since the beginning of the year, Artesia University has been working on a new project for the month of April, in collaboration with the Indianapolis AIDS Trust. Artesia will be highlighting the importance of gay and bisexual men in early screening for HIV/AIDS and other sexually transmitted diseases, by distributing awareness brochures to all its members.


Another organization working hard on limb loss issues is American Special Medical Services, Inc. (ASMS). Many people don't realize that there are more than forty million Americans with some form of impairment of limb loss and multiple trauma. ASMS dedicates itself to raising the awareness of these people and their families, and providing services to them. ASMS also participates in research and educational activities.


A new organization for the month of April is called "Aggie's Place," which means a place for all those with limb loss and limb differences to come together and be happy. "Aggie's Place" will focus on the issue of vocational nursing, or caring for those who cannot care for themselves and need assistance with simple activities. Vocational nursing programs are being developed nationwide by Aggie's Place, and the program will serve thousands upon thousands of poor and disabled people. The group aims to raise funds to build twenty new vocational nursing homes. This is a huge project, and will help improve the lives of those who need help and want to move on into the future.


The National Association of Retail Sales and Marketing has scheduled an awareness campaign for April to coincide with the second annual World AIDS Day. The NARML will feature a booth at the Gay and Lesbian International AIDS conference in Washington, D.C. on April 12th, to promote awareness and information about AIDS among the general public. Across the country, other organizations such as the National League for Substance Abuse and the National Council on Alcoholism and Drug Dependence are celebrating the twenty-fifty year anniversary of the first worldwide conference on AIDS. Many organizations have also included a donation in their fundraising efforts to help continue the fight against AIDS.


Your local High School Activities and Athletic Club can help you raise awareness of the issues regarding drug and alcohol use. Contact your school's athletic department to see if you can join the league, or make a donation in support of the campaign. Your club's loose energies will help distribute information to others in your area about the problems that exist in a society that so desperately needs to be educated. Even if you live in a small town, there are chances that other parents are not aware of the things that their children are facing. By joining the league, you can speak to other parents, and get their assistance in hopes that you can help them spread information on how to speak up for their children when it comes to issues such as drug and alcohol use.


REHAB HOSPITAL


With the support of friends and family, and the promotion of a strong limb loss prevention campaign by local schools and other organizations, you can give hope to those who are currently fighting the fight against this disease. While it takes courage to announce your disability, and to set up a fundraiser, you can have an impact on the lives of others by becoming involved in this cause. If you know someone who is fighting the battle, offer your assistance in whatever way you can; even donating cash so they can purchase items that promote this cause. When you raise awareness, you help save limbs.


¿Quienes somos?

Somos una empresa que se especializar en transporte de turismo internacional con una trayectoria basada en la experiencia y la solidez para la satisfacción de nuestros clientes

Comics en español

VALORES

Trans Tur Int S.A. se caracteriza por los siguientes valores:
  • Honestidad.
  • Responsabilidad.
  • Seriedad.
  • Seguridad.

VISIÓN

Ser la empresa número uno en viajes y turismo internacional de Costa Rica en el trato y líder en logística.

MISIÓN

Somos una empresa dedicada al transporte de turismo nacional e internacional con un enfoque de buscar la excelencia en el servicio al cliente. Nuestra finalidad es cumplir con todas las expectativas de confort, seguridad y responsabilidad.
 
 
Copyright © TRANSTURINT
Blogger Theme by BloggerThemes Design by Diovo.com