Bitcoin Forum
May 07, 2024, 12:18:16 AM *
News: Latest Bitcoin Core release: 27.0 [Torrent]
 
   Home   Help Search Login Register More  
Pages: « 1 2 3 4 5 6 7 8 9 10 [11] 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 »
  Print  
Author Topic: Best way to manage money?  (Read 61062 times)
diodio5
Hero Member
*****
Offline Offline

Activity: 490
Merit: 500



View Profile
April 21, 2016, 01:44:37 AM
 #201

Bitcoin can be one way as they offer plans around 2 year to 5 or 10 years of savings plans which you cant reverse,and if you do you will loose money instead getting more.
Yes bitcoin can be a solution for the investing money, but for manage money we need to manage costs, investments and incomes and have a plan for each of them.
yeah you should have a plan to manage money. it contains about managing money. including how much money will you invest. you should be able to formulate it so you have a picture of out of your money. certainly a lot of benefits that would be you get
Bitcoin addresses contain a checksum, so it is very unlikely that mistyping an address will cause you to lose money.
Advertised sites are not endorsed by the Bitcoin Forum. They may be unsafe, untrustworthy, or illegal in your jurisdiction.
1715041096
Hero Member
*
Offline Offline

Posts: 1715041096

View Profile Personal Message (Offline)

Ignore
1715041096
Reply with quote  #2

1715041096
Report to moderator
1715041096
Hero Member
*
Offline Offline

Posts: 1715041096

View Profile Personal Message (Offline)

Ignore
1715041096
Reply with quote  #2

1715041096
Report to moderator
znickelbackz
Sr. Member
****
Offline Offline

Activity: 406
Merit: 250


View Profile
April 21, 2016, 09:12:21 AM
 #202

i have got too little money to think about managing them, too little to even bother spend. my salary is low, i'm just too suck to get something better. money, i just leave them be.
Vaskiy
Legendary
*
Offline Offline

Activity: 2618
Merit: 1105


Tontogether | Save Smart & Win Big


View Profile
April 21, 2016, 09:35:14 AM
 #203

i have got too little money to think about managing them, too little to even bother spend. my salary is low, i'm just too suck to get something better. money, i just leave them be.
Whether you are getting high amount or low amount salary that is not at all a problem, but how you are managing money that is very important. You are getting little amount as salary, so first make a budget with your salary, then accordingly make the expenses, if so you can be happy.

expert4knowledge
Hero Member
*****
Offline Offline

Activity: 826
Merit: 1000


The All-in-One Cryptocurrency Exchange


View Profile
April 21, 2016, 08:16:58 PM
 #204

I think the best way to manage money is keep your money on bank account.
If you like to get passive income you can invest on bitcoin because it's a good investment right now.
But financial crisis proved that it is not the best way. For example in Cyprus many banks froze the invested money in them!

██████
███
███
███
███
███
███
███
███
███
███
███
███
                ▄███
              ▄███▌ █
             ▀▀▀██▄  █
           ▄███▄▄ ▀▀▀█
          █ █████▀▀▀▄▄
         ▄██ ███▄    █
        ▐███▀   ▀█   █
        ████     █   █
       ▄██▀▄█▄▄▄█▀   █
       ▀▄▄███▌      █
   ▄▄▄▀▀▀████       █
 ▄▀    ██ ██       █
▐▌     ██▌▐▌      ▀▄
█      ██ █         ▀▄
█      █▀▄▌          █
█   ▄▀█▄██           █
█ ▄▀      ▀▀▄▄▀▄     █
▀▀             █    █
               █  ▄▀
               ▀▄█
     ▀█████████████▄▄
  ▀ ▀▀▀███████████████▌
   ▀ ▀▀▀▀██▀▀▀▀▀▀██████         ▄███████▄      ▄▄███████▄    ▄███▄    ▄███▄ ▄███▄      ▄███▄
▀ ▀▀▀▀█████▄▄▄▄▄▄█████▌       ▄████▀▀▀████▄   ▐████▀▀█████   ▀████▄  ▄████▀ █████▄    ▄█████
    ▀▀███████████████▀       █████     ████▌          ████▌    ▀████████▀    █████▄  ▄█████▌
   ▀ ▀████████████████▀ ▀    ██████████████▌   ▄▄██████████     ▄██████▄      █████▄▄█████▌
     ██████      ██▀▀▀▀▀▀▀ ▀ █████▀▀▀▀▀▀▀▀    █████▀▀▀█████    ▄████████▄      ██████████▌
     ██████▄▄▄▄▄▄██████▄ ▄    ████▄▄   ▄▄█▄   ████▄  ▄█████  ▄█████▀▀█████▄     ████████▌
     █████████████████▀        ▀███████████   ▀████████████  ████▀    ▀████      ██████▌
     ██████████████▀▀             ▀▀▀▀▀▀▀       ▀▀▀▀▀▀ ▀▀▀    ▀▀        ▀▀        █████
                                                                                ▄█████
                                                                            ▄███████▀
                                                                            ▀████▀▀
███
███
███
███
███
███
███
███
███
███
███
███
██████
|█████████████████
███████████████████
█████████████████████
███████████████████████
███████████████████████
███████████████████████
███████████████████████
███████████████████████
███████████████████████
███████████████████████
███████████████████████
███████████████████████
███████████████████████
  WHITEPAPER 
  LIGHTPAPER...
|Instant Deposit
✓ 24/7 Support
Referral Program
KennyR
Hero Member
*****
Offline Offline

Activity: 2282
Merit: 532


Sugars.zone | DatingFi - Earn for Posting


View Profile
April 22, 2016, 07:08:25 AM
 #205

i have got too little money to think about managing them, too little to even bother spend. my salary is low, i'm just too suck to get something better. money, i just leave them be.

That's not fair, in this scenario if you get a high pay too, if not managed in the right way automatically everything will be lost as it is happening with your little pay.

.SUGAR.
██   ██

██   ██

██   ██

██   ██

██   ██

██   ██
▄▄████████████████████▄▄
▄████████████████████████▄
███████▀▀▀██████▀▀▀███████
█████▀██████▀▀██████▀█████
██████████████████████████
██████████████████████████
█████████████████████▄████
██████████████████████████
████████▄████████▄████████
██████████████████████████
▀████████████████████████▀
▀▀████████████████████▀▀

██   ██

██   ██

██   ██

██   ██

██   ██

██   ██
███████████████████████████
███████████████████████████
██████               ██████
██████   ▄████▀      ██████
██████▄▄▄███▀   ▄█   ██████
██████████▀   ▄███   ██████
████████▀   ▄█████▄▄▄██████
██████▀   ▄███████▀▀▀██████
██████   ▀▀▀▀▀▀▀▀▀   ██████
██████               ██████
███████████████████████████
███████████████████████████
.
Backed By
ZetaChain

██   ██

██   ██

██   ██

██   ██

██   ██

██   ██

██   ██

██   ██

██   ██

██   ██

██   ██

██   ██
▄▄████████████████████▄▄
██████████████████████████
████████████████████████████
█████████████████▀▀  ███████
█████████████▀▀      ███████
█████████▀▀   ▄▄     ███████
█████▀▀    ▄█▀▀     ████████
█████████ █▀        ████████
█████████ █ ▄███▄   ████████
██████████████████▄▄████████
██████████████████████████
▀▀████████████████████▀▀
▄▄████████████████████▄▄
██████████████████████████
██████ ▄▀██████████  ███████
███████▄▀▄▀██████  █████████
█████████▄▀▄▀██  ███████████
███████████▄▀▄ █████████████
███████████  ▄▀▄▀███████████
█████████  ████▄▀▄▀█████████
███████  ████████▄▀ ████████
████████████████████████████
██████████████████████████
▀▀████████████████████▀▀
arwin100
Hero Member
*****
Offline Offline

Activity: 2730
Merit: 806


Jack of all trades 💯


View Profile WWW
April 22, 2016, 07:35:14 AM
 #206

I think the best way to manage money is keep your money on bank account.
If you like to get passive income you can invest on bitcoin because it's a good investment right now.
But financial crisis proved that it is not the best way. For example in Cyprus many banks froze the invested money in them!

Yeah even banks cannot be tell to be safe in terms on saving money as past issue happens in phils there are some banks file bankcruptsy to their bank and the money of the people freeze and all of them takes many months to get back of their money others are get only half of their money saves. But all i can say its better to save it in high names and very strong bank because it has insurance and can get profit little annually. But to save money disciple yourself first and left your  bad habits on spending money.

rektDude
Sr. Member
****
Offline Offline

Activity: 364
Merit: 250


View Profile
April 22, 2016, 10:33:34 AM
 #207

To manage your money, you have to be smart and not greedy because if you are greedy than you will lose a lot of money and that cant be good for you, and you will become poor.
So if you are making an investment than you have to also save some money so you will have always more money later.
Doms
Hero Member
*****
Offline Offline

Activity: 714
Merit: 500


View Profile
April 22, 2016, 11:14:38 AM
 #208

There are lots of simple ways to manage money. Here are some of the things I do:

1. Income - Savings = Expenses
I always set aside more than 20% of my income and put it in our company's savings and loan association. That way, I get to save and earn yearly dividends, that yield more that normal banks would.

2. Do not put all your eggs in one basket
Simply put, look for different places to save / invest your money. You can put it in real estate, stocks, bonds, mutual funds, time deposits. Have some investments that have different levels of risk/reward ratio

3. Have an emergency fund
The general rule for emergency fund is 3-6 months worth of your monthly income. This will serve as your buffer during times when (knock on wood) something terrible happens, like losing your job.

Those are the three basic things that come to my mind right away.
harizen
Legendary
*
Offline Offline

Activity: 3122
Merit: 1398


For support ➡️ help.bc.game


View Profile
April 22, 2016, 12:08:45 PM
 #209


Yeah even banks cannot be tell to be safe in terms on saving money as past issue happens in phils there are some banks file bankcruptsy to their bank and the money of the people freeze and all of them takes many months to get back of their money others are get only half of their money saves. But all i can say its better to save it in high names and very strong bank because it has insurance and can get profit little annually. But to save money disciple yourself first and left your  bad habits on spending money.

What PH bank are you referring to? Is that really a bank or investment company?

█████████████████████████
████▐██▄█████████████████
████▐██████▄▄▄███████████
████▐████▄█████▄▄████████
████▐█████▀▀▀▀▀███▄██████
████▐███▀████████████████
████▐█████████▄█████▌████
████▐██▌█████▀██████▌████
████▐██████████▀████▌████
█████▀███▄█████▄███▀█████
███████▀█████████▀███████
██████████▀███▀██████████
█████████████████████████
.
BC.GAME
▄▄░░░▄▀▀▄████████
▄▄▄
██████████████
█████░░▄▄▄▄████████
▄▄▄▄▄▄▄▄▄██▄██████▄▄▄▄████
▄███▄█▄▄██████████▄████▄████
███████████████████████████▀███
▀████▄██▄██▄░░░░▄████████████
▀▀▀█████▄▄▄███████████▀██
███████████████████▀██
███████████████████▄██
▄███████████████████▄██
█████████████████████▀██
██████████████████████▄
.
..CASINO....SPORTS....LOTTERY..
█░░░░░░█░░░░░░█
▀███▀░░▀███▀░░▀███▀
▀░▀░░░░▀░▀░░░░▀░▀
░░░░░░░░░░░░
▀██████████
░░░░░███░░░░
░░█░░░███▄█░░░
░░██▌░░███░▀░░██▌
░█░██░░███░░░█░██
░█▀▀▀█▌░███░░█▀▀▀█▌
▄█▄░░░██▄███▄█▄░░▄██▄
▄███▄
░░░░▀██▄▀


▄▄████▄▄
▄███▀▀███▄
██████████
▀███▄░▄██▀
▄▄████▄▄░▀█▀▄██▀▄▄████▄▄
▄███▀▀▀████▄▄██▀▄███▀▀███▄
███████▄▄▀▀████▄▄▀▀███████
▀███▄▄███▀░░░▀▀████▄▄▄███▀
▀▀████▀▀████████▀▀████▀▀
betohell
Sr. Member
****
Offline Offline

Activity: 476
Merit: 250



View Profile
April 22, 2016, 12:51:12 PM
 #210

To manage your money, you have to be smart and not greedy because if you are greedy than you will lose a lot of money and that cant be good for you, and you will become poor.
So if you are making an investment than you have to also save some money so you will have always more money later.
I thought the greedy will be the same with waste and if you always do wastage. the maximum salary your money will always exhausted because you're acting very wasteful. so avoid it

TastyChillySauce00
Legendary
*
Offline Offline

Activity: 2982
Merit: 1028


Leading Crypto Sports Betting & Casino Platform


View Profile
April 22, 2016, 12:58:59 PM
 #211

To manage your money, you have to be smart and not greedy because if you are greedy than you will lose a lot of money and that cant be good for you, and you will become poor.
So if you are making an investment than you have to also save some money so you will have always more money later.
I thought the greedy will be the same with waste and if you always do wastage. the maximum salary your money will always exhausted because you're acting very wasteful. so avoid it
more salary more consumtive,compare tier 1 country and tier 3 country,even tier3 countries's peoples still can fulfill their needs even their salary just 20% of average tier 1 countries's worker,so if i think deeply, there's no different in their daily needs even have so much different in their salary

..Stake.com..   ▄████████████████████████████████████▄
   ██ ▄▄▄▄▄▄▄▄▄▄            ▄▄▄▄▄▄▄▄▄▄ ██  ▄████▄
   ██ ▀▀▀▀▀▀▀▀▀▀ ██████████ ▀▀▀▀▀▀▀▀▀▀ ██  ██████
   ██ ██████████ ██      ██ ██████████ ██   ▀██▀
   ██ ██      ██ ██████  ██ ██      ██ ██    ██
   ██ ██████  ██ █████  ███ ██████  ██ ████▄ ██
   ██ █████  ███ ████  ████ █████  ███ ████████
   ██ ████  ████ ██████████ ████  ████ ████▀
   ██ ██████████ ▄▄▄▄▄▄▄▄▄▄ ██████████ ██
   ██            ▀▀▀▀▀▀▀▀▀▀            ██ 
   ▀█████████▀ ▄████████████▄ ▀█████████▀
  ▄▄▄▄▄▄▄▄▄▄▄▄███  ██  ██  ███▄▄▄▄▄▄▄▄▄▄▄▄
 ██████████████████████████████████████████
▄▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▄
█  ▄▀▄             █▀▀█▀▄▄
█  █▀█             █  ▐  ▐▌
█       ▄██▄       █  ▌  █
█     ▄██████▄     █  ▌ ▐▌
█    ██████████    █ ▐  █
█   ▐██████████▌   █ ▐ ▐▌
█    ▀▀██████▀▀    █ ▌ █
█     ▄▄▄██▄▄▄     █ ▌▐▌
█                  █▐ █
█                  █▐▐▌
█                  █▐█
▀▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▀█
▄▄█████████▄▄
▄██▀▀▀▀█████▀▀▀▀██▄
▄█▀       ▐█▌       ▀█▄
██         ▐█▌         ██
████▄     ▄█████▄     ▄████
████████▄███████████▄████████
███▀    █████████████    ▀███
██       ███████████       ██
▀█▄       █████████       ▄█▀
▀█▄    ▄██▀▀▀▀▀▀▀██▄  ▄▄▄█▀
▀███████         ███████▀
▀█████▄       ▄█████▀
▀▀▀███▄▄▄███▀▀▀
..PLAY NOW..
BitcoinBlackjack
Full Member
***
Offline Offline

Activity: 182
Merit: 250


View Profile
April 22, 2016, 08:54:06 PM
 #212

Take a personal finance class! It will teach you a lot about money, saving, spending, investing, etc...
blackmachinegun
Hero Member
*****
Offline Offline

Activity: 532
Merit: 500


View Profile
April 23, 2016, 08:16:25 AM
 #213

i have got too little money to think about managing them, too little to even bother spend. my salary is low, i'm just too suck to get something better. money, i just leave them be.
I think even if you only have a small salary or money is small. you still have to have manage money. so that your money is small it can be collected and you know bit by bit if you save regularly then you will save a lot of money
manage money is important
Cyaren
Sr. Member
****
Offline Offline

Activity: 294
Merit: 250



View Profile
April 23, 2016, 08:20:56 AM
 #214

For me it's about getting out of fiat as soon as I receive my paycheck. The fiat debt bubble is ridiculous and can/will pop any second from now.

I think budget is important too, and so is building a good investment portfolio with plenty of money in it. For me safety and store of value is the most important. High returns aren't that important to me.
KennyR
Hero Member
*****
Offline Offline

Activity: 2282
Merit: 532


Sugars.zone | DatingFi - Earn for Posting


View Profile
April 23, 2016, 01:17:28 PM
 #215

I think the best way to manage money is keep your money on bank account.
If you like to get passive income you can invest on bitcoin because it's a good investment right now.

A lot of people using cards and speding money that hold on bank accounts. I really think that best way to manage money is the power of will, looks so stupid but people without power of will can't manage money.

Yes using cards help more in managing our earned money. Recently few of our campaign has launched bitcoin cards with limited access which also helps in managing money and bitcoins.

.SUGAR.
██   ██

██   ██

██   ██

██   ██

██   ██

██   ██
▄▄████████████████████▄▄
▄████████████████████████▄
███████▀▀▀██████▀▀▀███████
█████▀██████▀▀██████▀█████
██████████████████████████
██████████████████████████
█████████████████████▄████
██████████████████████████
████████▄████████▄████████
██████████████████████████
▀████████████████████████▀
▀▀████████████████████▀▀

██   ██

██   ██

██   ██

██   ██

██   ██

██   ██
███████████████████████████
███████████████████████████
██████               ██████
██████   ▄████▀      ██████
██████▄▄▄███▀   ▄█   ██████
██████████▀   ▄███   ██████
████████▀   ▄█████▄▄▄██████
██████▀   ▄███████▀▀▀██████
██████   ▀▀▀▀▀▀▀▀▀   ██████
██████               ██████
███████████████████████████
███████████████████████████
.
Backed By
ZetaChain

██   ██

██   ██

██   ██

██   ██

██   ██

██   ██

██   ██

██   ██

██   ██

██   ██

██   ██

██   ██
▄▄████████████████████▄▄
██████████████████████████
████████████████████████████
█████████████████▀▀  ███████
█████████████▀▀      ███████
█████████▀▀   ▄▄     ███████
█████▀▀    ▄█▀▀     ████████
█████████ █▀        ████████
█████████ █ ▄███▄   ████████
██████████████████▄▄████████
██████████████████████████
▀▀████████████████████▀▀
▄▄████████████████████▄▄
██████████████████████████
██████ ▄▀██████████  ███████
███████▄▀▄▀██████  █████████
█████████▄▀▄▀██  ███████████
███████████▄▀▄ █████████████
███████████  ▄▀▄▀███████████
█████████  ████▄▀▄▀█████████
███████  ████████▄▀ ████████
████████████████████████████
██████████████████████████
▀▀████████████████████▀▀
Xenophoto
Hero Member
*****
Offline Offline

Activity: 826
Merit: 502


View Profile
April 23, 2016, 04:23:04 PM
 #216

This might be a stupid thing for some people to do but for me the best way to manage your money is find a girlfriend. And by girlfriend I mean like a girlfriend who's a keeper (check here if your GF is a keeper). Like a lady who wouldn't mind managing your expenses as a couple and wouldn't take a money secretly out from your pocket.

Some people might disagree with me but you know deep inside that you need someone to manage your life with. You can't manage your life forever alone. Roll Eyes

Vaskiy
Legendary
*
Offline Offline

Activity: 2618
Merit: 1105


Tontogether | Save Smart & Win Big


View Profile
April 23, 2016, 05:50:42 PM
 #217

i have got too little money to think about managing them, too little to even bother spend. my salary is low, i'm just too suck to get something better. money, i just leave them be.
I think even if you only have a small salary or money is small. you still have to have manage money. so that your money is small it can be collected and you know bit by bit if you save regularly then you will save a lot of money
manage money is important


Yeah if you can save money from your little salary by making a budget, you will be good in managing money when your salary increases too, else you will spend all your money if you fail to make budget.

betohell
Sr. Member
****
Offline Offline

Activity: 476
Merit: 250



View Profile
April 24, 2016, 11:58:30 AM
 #218

To manage your money, you have to be smart and not greedy because if you are greedy than you will lose a lot of money and that cant be good for you, and you will become poor.
So if you are making an investment than you have to also save some money so you will have always more money later.
I thought the greedy will be the same with waste and if you always do wastage. the maximum salary your money will always exhausted because you're acting very wasteful. so avoid it
more salary more consumtive,compare tier 1 country and tier 3 country,even tier3 countries's peoples still can fulfill their needs even their salary just 20% of average tier 1 countries's worker,so if i think deeply, there's no different in their daily needs even have so much different in their salary
you should be able to regulate the cost of daily necessities do not get their daily needs is greater than the cost or the earnings on that day. of course that happens you're going bankrupt

el kaka22
Legendary
*
Offline Offline

Activity: 3514
Merit: 1162


www.Crypto.Games: Multiple coins, multiple games


View Profile
April 24, 2016, 08:35:30 PM
 #219

i have got too little money to think about managing them, too little to even bother spend. my salary is low, i'm just too suck to get something better. money, i just leave them be.
I think even if you only have a small salary or money is small. you still have to have manage money. so that your money is small it can be collected and you know bit by bit if you save regularly then you will save a lot of money
manage money is important


Yeah if you can save money from your little salary by making a budget, you will be good in managing money when your salary increases too, else you will spend all your money if you fail to make budget.
In my opinion, having little money is actually the hardest situation to manage money because you have many things to pay, while so few to spend. In this situation is where your decision-making is highly tested as you will be deciding which among your needs is top priority.

█████████████████████████
███████▄▄▀▀███▀▀▄▄███████
████████▄███▄████████
█████▄▄█▀▀███▀▀█▄▄█████
████▀▀██▀██████▀██▀▀████
████▄█████████████▄████
███████▀███████▀███████
████▀█████████████▀████
████▄▄██▄████▄██▄▄████
█████▀▀███▀▄████▀▀█████
████████▀███▀████████
███████▀▀▄▄███▄▄▀▀███████
█████████████████████████
.
 CRYPTOGAMES 
.
 Catch the winning spirit! 
█▄░▀███▌░▄
███▄░▀█░▐██▄
▀▀▀▀▀░░░▀▀▀▀▀
████▌░▐█████▀
████░░█████
███▌░▐███▀
███░░███
██▌░▐█▀
PROGRESSIVE
      JACKPOT      
██░░▄▄
▀▀░░████▄
▄▄▄▄██▀░░▄▄
░░░▀▀█░░▀██▄
███▄░░▀▄░█▀▀
█████░░█░░▄▄█
█████░░██████
█████░░█░░▀▀█
LOW HOUSE
         EDGE         
██▄
███░░░░░░░▄▄
█▀░░░░░░░████
█▄░░░░░░░░█▀
██▄░░░░░░▄█
███▄▄░░▄██▌
██████████
█████████▌
PREMIUM VIP
 MEMBERSHIP 
DICE   ROULETTE   BLACKJACK   KENO   MINESWEEPER   VIDEO POKER   PLINKO   SLOT   LOTTERY
Bitcoinbro
Sr. Member
****
Offline Offline

Activity: 420
Merit: 250



View Profile
April 24, 2016, 09:47:19 PM
 #220

i have got too little money to think about managing them, too little to even bother spend. my salary is low, i'm just too suck to get something better. money, i just leave them be.
I think even if you only have a small salary or money is small. you still have to have manage money. so that your money is small it can be collected and you know bit by bit if you save regularly then you will save a lot of money
manage money is important


Yeah if you can save money from your little salary by making a budget, you will be good in managing money when your salary increases too, else you will spend all your money if you fail to make budget.
In my opinion, having little money is actually the hardest situation to manage money because you have many things to pay, while so few to spend. In this situation is where your decision-making is highly tested as you will be deciding which among your needs is top priority.

Sure when you don't have enough money things are hard. You can't consume nor can you safe.
But first think you need to do is to manage your cash flow by putting it in excel. Then try to get another job to earn more money.
Pages: « 1 2 3 4 5 6 7 8 9 10 [11] 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 »
  Print  
 
Jump to:  

Powered by MySQL Powered by PHP Powered by SMF 1.1.19 | SMF © 2006-2009, Simple Machines Valid XHTML 1.0! Valid CSS!