Christian Credit Counselors, Consumer, Credit, Credit Cards, Credit Counseling, Credit Score, Debit & Your Credit Score, Debt, Debt Consolidation, Debt Settlement, Goals, Holiday Tips, Home, Kids & Money, Money Management, Personal Goals, Uncategorized

Your Spending Habits and Your Holiday Spirit

The Average American’s Holiday Spending Habits

Already thinking about everything you have to do for the holiday season? Does the thought of holiday preparation stress you out? According to the National Retail Federation, it was estimated that the average American spent $77.52 on candy, costumes and decorations for Halloween in 2014. According to a CNBC report, the average American planned to spend $765 on Christmas for the holiday season as well. Is this how much you will spend this year? To avoid answering yes to this question, start planning ways to save money now.

Holiday Money Saving Tips

Shop with a Gratitude Attitude

The first, and possibly greatest, thing that you can do to save money this season is to adjust the way you THINK about the holidays. Rather than getting caught up in the commercials, products, and social pressures, concentrate on the things you already have in your life that you can use or recycle and the people you already have in your life to whom you can show love and appreciation. Concentrate more on the FEELING that you can give someone else rather than the MATERIALS you can give them. For Halloween, get creative and make your own costumes during a Family Craft Night. Change your spending habits by making it about the experience rather than shopping. Can’t afford to make or host a big dinner? Plan a family movie night, rent scary movies, and gorge on popcorn and pizza.

Make Random Acts of Kindness a Holiday Norm

Instead of buying gifts, clean the car or house for your spouse, make a collage of old photos for a friend or family member, call a distant friend or relative and leave a Christmas Carol voicemail to spread cheer over the phone, make a list of reasons why you love someone or appreciate someone, write a song or poem for them, and make decorations using household items such as a string of popcorn. Use this new mentality to set the tone for your entire family. For any other holiday necessities, you can financially prepare to save money by creating a budget and setting aside a small amount every week or paycheck. Just remember though, gratitude, love, and the right mentality can save you and your family A ton of money this holiday season, especially if you are all on the same page.

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    Activities, Budgeting, Car, Christian Credit Counselors, Consumer, Coupons, Credit, Credit Cards, Credit Counseling, Credit Score, Debit & Your Credit Score, Debt, Debt Consolidation, Economy, Finance, Gas, Gas, Holiday Tips, Kids & Money, Money Management, Repairs, Saving, Technology

    Fall Money Saving Tips

    Cutting Costs at Home

    There are many ways you can save money and have fun doing it this holiday season. Falling leaves and decomposing Jack-o-Lanterns are the perfect way to start a compost pile this fall. Starting now means you’ll be one step ahead when spring arrives.

    Make sure your roof is free of holes, destruction and critters; if it isn’t, repair the damage or shoo the animals away. Assess the gutters as well as the chimney. Nothing is worse than a cold, rainy winter inside the home without a fireplace. Repairing now helps ensure you don’t have any last minute problems during the winter.

    It’s also very important to weatherproof your home. Chances are, you’ll be using your heater this winter. Rather than lose all of that precious heat, weatherproof your windows, doors and anything else you can think of.

    Restock on winter essentials before they’re all snatched up. Coats, food, gloves and boots are some important winter items that disappear as it gets closer to December.

    Shopping on a Budget

    The holidays are almost upon us, and that means holiday shopping is close at hand. If you start shopping around in October and November, it will be a lot easier to pick up the perfect present than if you were to wait closer to Christmas time.

    So many fruits and vegetables come into season in the fall, so don’t forget to stock up. Not only will you get cheaper produce, but it will be nice and fresh. And as always, use coupons to save even more.

    Look out for fall and holiday deals and coupons. There’s something about the festive, fall season that puts stores in such a great mood. So many places are offering seasonal items for super cheap; it’d be a shame if you didn’t partake.

    Lowering Travel Expenses

    If you’ll be flying at some point during fall, purchase tickets in the middle of the week. Most sales occur Tuesday through Thursday, so when planning a trip buy on the less busy days.

    Compare round-trip flights to one-way flights. Sometimes flying round-trip isn’t necessarily the best deal. If you can save more on two tickets, take that deal.

    Luggage and travel accessories are going on sale during this time of the year. If you’re in need of a new suitcase, now’s the time to buy one for that vacation coming up.

    Your Entertainment Costs

    Bike riding is a great way to let off steam in the cool air, while also getting where you want to go! Exercising and saving money never felt so good.

    Take a walk with the family. Play board games with your kids and significant other by the fireplace instead of sitting in front of the TV. Find new and fun ways to spend time with those you love. Parks are also a great place to go; they’re usually free and offer many great family-friendly amusements.

    Harvest festivals, farmers markets, and city events are a super fun and cheap way to get outside as well. Pumpkin patches offer a great time for you and your kids, and spending time together is always a beautiful fall activity.

    Do you want to know more about debt and how you can make smart financial decisions now that will help you secure a more prosperous financial future? Sign up for our newsletter for monthly money tips.

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      Debt Counseling
      Budgeting, Debt

      Baby Boomers, Debt Counseling, and Retirement

      When Baby Boomers Budget

      If you are a baby boomer in your 50 or 60s, you are likely wondering if you will ever experience retirement bliss. A growing number of boomers have massive credit card debt in addition to mortgage and student loan debt due. In some cases, boomers take out mortgage and student loan debt to help children and grandchildren. With debt counseling, you can find out how to balance your desire for a debt free life and continue to show your generous spirit by helping loved ones.

      According to a recent article by pressherald.com, financial advisers recommend baby boomers concentrate on their credit card debt before retiring. Retirees live on a fixed income, whether the money comes from Social Security benefits, dividends from investments, Roth IRA or employer-sponsored retirement accounts and pensions. If you have lived with credit card debt your entire working life, consider following a debt management plan so you can live free of credit card debt in retirement.

      Budgeting for Household Expenses

      Before you pay off your mortgage or pay it down, talk to a certified credit counselor. You could be better off devoting your money to a debt repayment plan. When you consolidate credit card debt, you often pay a lower interest rate. Still, mortgage rates have been extremely low in recent years. You will most likely come out ahead by allocating money for credit card debt before paying down a mortgage. With debt counseling, you learn to budget for housing whether you own or rent.

      According to research by the Consumer Financial Protection Bureau, the median senior citizen mortgage debt is up by 82 percent. If you are an average baby boomer, you could owe as much as $79,000 in mortgage debt. After you get out of credit card debt, you can think about strategies for paying off a mortgage early.

      Clearing away the Debt

      Experts say members of the Greatest Generation were much less likely to retire with debt. When it comes to credit card debt, set a goal to be debt free by the time you claim your Social Security benefits. If you can finish a Debt Management Plan by age 62, treat yourself to an early retirement.

      When you have credit card debt, it is difficult to pay for variable expenses in retirement such as travel, vacations and gifts. A credit counselor will help you figure out how long it will take to be completely debt free so you can tweak your retirement age. Don’t be afraid to delay retirement if it means entering your golden years with more gold in your pockets and less debt.

      At Christian Credit Counselors, we specialize in credit card debt. You can pay off your debt 80 percent faster with our approach to debt management. Our team helps you lower your interest rate and enjoy the benefits of debt consolidation through one easy monthly payment.

      Do you want to know more about debt and how you can make smart financial decisions now that will help you secure a more prosperous financial future? Sign up for our newsletter for monthly money tips.

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        Credit Counseling

        Credit Counseling for Millennials Who Want a Fresh Start

        When you are dealing with massive credit card debt in your 20s or early 30s, it is difficult to get a mortgage loan or a car loan. In some cases, lenders demand you pay a higher interest rate because of poor credit and too much consumer debt. By engaging in credit counseling, you take control of your financial future before it’s too late. According to a recent article by wgem.com, half of Millennials in their 20s decided to get a credit card after hearing a promotion or seeing an advertisement. The average debt for Millennials is $45,000, which is the amount some of their grandparents paid for a home. By consolidating debt, you pay off credit card debt and enjoy the hidden benefits.

        Qualifying to Buy a Home

        Some young people don’t realize their credit card debt prevents them from qualifying for a home in their desired price range. By receiving credit counseling, you learn the tricks and tips for improving your debt-to-income ratio. When you have less debt and higher income, you position yourself to afford a higher mortgage amount.

        Improving your Credit Score

        Certified and trained credit counselors also fill you in on the secrets for improving your credit score. Most colleges don’t offer personal finance classes. However, your personal credit counselor will answer questions about the pros and cons of carrying credit cards and strategies for boosting a credit score or avoiding bad marks on your credit history.

        Enjoying a Debt-Free Life

        One incredible strategy is the debt-free approach. While it is not for everyone, you can decide to live without credit cards or loans. Learning to use a budget, paying off credit card debt and saving or investing are just a few things you can do. People who enroll in a debt management plan satisfy the debt obligations they have to various credit card companies. A reputable Christian credit counseling agency will work with you so you pay a lower interest rate. Knowing your exact timeline for paying off all credit card debt gives you a sense of liberation and freedom.

        Other hidden benefits of the debt free life when you are young include more money to invest for retirement and money for your child’s college. When you no longer have a monthly debt management plan payment to make, you are able to allocate money for a 401(k) plan or Roth IRA. When you start saving young, you give your money time to multiply and grow. People who start saving young don’t have to save as much to retire with greater wealth compared to the late savers.

        Do you want to know more about debt and how you can make smart financial decisions now that will help you secure a more prosperous financial future? Sign up for our newsletter for monthly money tips.

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          Debt Counseling
          Debt

          Surviving the Holiday Spending Trap With Debt Counseling

          After the school season starts, many people start getting ready for the holidays. Following Labor Day, the major holidays that often run up debt for the average American include Halloween, Thanksgiving, Christmas and New Year’s. By receiving debt counseling in the fall, you gain valuable insights and information about how to pay off debt, budget, and set financial goals. You may decide to enroll in a debt management program so you can get a fresh start. A debt management plan is an agreement to pay back creditors, but typically with better terms. In most cases, you pay less money toward interest and pay off your debt much faster by consolidating the debt. To save money for the holiday season, consider consolidating old debt while resisting the temptation to take on any new debt. According to an article by marketwatch.com, one of the best way to tackle holiday credit card debt is to lower your interest rate. Talk to a credit counselor about how you can pay a lower interest rate by consolidating debt.

          Living below your Financial Means

          One of the lessons you learn with debt counseling is to live below your means. By having a budget, you know exactly what you owe to creditors, what you owe to the mortgage company or your landlord as well as how much you have for discretionary spending. Buying holiday gifts or costumes for Halloween and other parties is not a necessity. However, you can put aside money for gifts as long as you save some money for discretionary purchases. Living below your means does not mean you can’t spend money on others, but it’s about spending less than you earn.

          Figuring out how much your time is worth

          Another way to improve your financial situation is figuring out when you should do something yourself or when you should hire another person. If you can earn more money working at your career, it could make financial sense to pay someone else to clean your house, mow your lawn or cook for you. On other hand, you also have to think about your core values as well as hobbies. If you get exercise from mowing and love the outdoors, it’s more than a financial decision. When it comes to the holidays, save money by making your own costumes if it makes sense. If you earn a lot by working, consider hiring someone else to put up your holiday lights or deliver your Christmas tree.

          Spending time and not money with family

          If you are having trouble balancing your budget, avoid hosting holiday parties or buying a lot of gifts for others. Taking holiday trips also tends to run up credit cards. On the other hand, if you consolidate your debt prior to the holidays, you will have a firm grasp on how much money you have leftover in your monthly budget after paying on your debt management plan.

          Do you want to know more about debt and how you can make smart financial decisions now that will help you secure a more prosperous financial future? Sign up for our newsletter for monthly money tips.

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            Christian Credit Counselors, College Debt, Consumer, Credit, Credit Cards, Credit Counseling, Debit & Your Credit Score, Debt, Debt Consolidation, Economy, Finance, Money Management, Student Loans

            Student Loan Info You Need to Know

            Learning Student Loans: Understand and Prepare for the Cost of Your Education

            Looking for more information about student loans, their features, and repayment options? Christian Credit Counselors, a nonprofit 501 (c)(3) with a mission to provide free financial education to individuals and families both locally and nationwide, is now offering a free, online webinar entitled Learning Student Loans: Understand and Prepare for the Cost of Your Education. Christian Credit Counselors is committed not just to helping people get out of debt, but providing them with free resources and education to STAY out of debt and live a life of financial freedom.

            The Learning Student Loans webinar is designed to give you an overview of the types and features of student loans so that you can make the best, most informed decision on your journey to obtain the education you need for your career and life. The webinar will discuss free financial aid options, loan types, repayment plans, loan consolidation, forbearance, deferment, loan forgiveness, what to do if your loan is in default, and useful resources that will help you stay in control of your loan and payments. Whether you already have a student loan or you are thinking about getting one in the near or distant future, this webinar will help inform you of your loan and repayment options so that you are best prepared to pay back your loan successfully.

            Click on the video below to view the webinar.

             

            Click here to download the free handout:

            When you are done with the webinar video you can also take a quick survey by using the button below:

            If you have questions or would like more information, email education@christiancreditcounselors.org or call 1-800-557-1985 ext. 131.

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              Debt Consolidation
              Debt Consolidation

              Benefits of Debt Consolidation and Bumps of Bankruptcy

              If you have more credit card debt than you can handle, there are different avenues to take to resolve the burden. Some people turn to debt settlement scams because they aren’t aware of the negative consequences. Other people believe bankruptcy could be the solution. Before paying an attorney thousands of dollars to handle a bankruptcy case, save yourself the embarrassment and money by receiving debt counseling. A certified credit counselor will help you understand the key benefits of debt consolidation. Sometimes it is helpful to examine all of the options. If you have a lot of debt, you already know how stressful it is to function day-to-day knowing your credit cards could be declined. By choosing debt consolidation, you leave open a lot of doors for your financial future. According to an article by theglobaldispatch.com, there are distinct advantages to signing up for a debt management plan through a reputable credit counseling agency.

              A single Monthly Payment

              Most people who feel overwhelmed by credit card debt have more than one credit cards. When you sign up for a debt management plan, you only make one payment each month to satisfy your creditors. You no longer have to worry about misplacing bills or keeping up with the various due dates.

              Less Financial stress

              Juggling several different credit card bills is a source of stress for the average American. With a debt management plan, you can automate your monthly payment so you know you’ll pay the bill on time each month. If you have your paycheck automatically deposited into your checking account, it’s another way to simplify your finances.

              Lower Interest Rates

              Another major advantage of debt consolidation is the fact that you’ll likely pay a lower interest rate. If you are the typical person, you likely have credit cards with double-digit interest rates. Your credit counselor will talk to your creditors to negotiate a lower interest rate across the board. When your counselor helps you achieve a lower interest rate, it saves you hundreds or possibly thousands of dollars depending on your total amount owed.

              No collection calls

              Once you get on board with a plan, your credit card companies will no longer bother you with collection calls. If you do receive a collection call, just give them the information about your debt management plan.

              A better credit score

              With bankruptcy, your credit score takes a major hit. In some cases, lenders will not approve you for a home loan or car for several years. When you take a debt consolidation approach, your credit score starts to go up instead of down. It’s a smart way to repair a damaged credit score.

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                Debt Consolidation
                Debt Consolidation

                Debt Consolidation to Recover from Summer Overspending

                A lot of people go on summer vacations to the beach, visit theme parks or dine out more frequently during the warmer months. Overspending in the summer often leads to massive credit card debt. When getting a second job or cutting back on day-to-day spending doesn’t put a dent in what you owe, consider debt consolidation. According to an article by hngn.com, it’s common for people to splurge in the summer. A survey by Experian shows a lot of Americans run up credit card debt in the summer. If you don’t tackle your debt as soon as possible, you could end up in a worse predicament during the holidays. By getting on a debt management plan before the holidays roll around, you will already have a financial survival plan in place. Part of consolidating your debt is receiving general credit counseling so you budget and plan for vacations, gifts and summer camps.

                Hold off on using Credit Cards

                When you consolidate debt, you hold off on using credit cards until you pay off your debt. A trained credit counselor will help you deal with your creditors. In many cases, your creditors will drop any late charges and penalties as part of the debt management plan. With credit counseling advice, you will have no problem living without credit cards. Since you know what the payoff date is for your debt management plan, you can plan better for the future.

                Budget for Different Scenarios

                Your budget while on a debt management plan is not exactly the same as your budget after you pay off your credit card debt. With the plan, you make one monthly debt repayment. Most people take the same amount for their monthly debt management bill and automatically move it into an emergency savings or retirement saving fund. Once you learn to live on less than your full paycheck, you don’t miss the money. Some experts believe the key to success is automation. Set it up so your debt management plan payment gets deducted automatically each month. Once you can afford it, set up an automatic contribution to a 401(k) or other retirement plan.

                Plan for next summer

                Even if you went too far with spending this year, you don’t need to repeat the spending cycle every year. Break the pattern by going on a “stay-vacation” next year in which you check out the local sites and attractions for less money. Visit relatives who will provide complimentary accommodations or let you stay in their home. You can also plan ahead for next summer by finding deals for airline tickets and other deals. Another option is to vacation during the off-season.

                By consolidating your debt and adopting good financial habits in fall, you prevent an even greater problem of relying on credit cards to get through the holiday gift-giving season. Although spending for the holidays is fine, it is best to plan and save.

                Do you want to know more about debt and how you can make smart financial decisions now that will help you secure a more prosperous financial future? Sign up for our newsletter for monthly money tips.

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                  Credit Counseling
                  Credit Counseling

                  Credit Counseling: A Strategic Guide for Paying Off Debt

                  If you are thinking about receiving credit counseling to deal with a debt burden that’s too heavy for you to carry, consider working with trained counselors who know how to help you change. According to an article by forbes.com, there are steps you can take so you aren’t enslaved to debt. When you deal with a reputable Christian credit counseling agency, you know any actions you take aligned with your core values and beliefs. For many Christians, it is important to pay what they owe. Debt consolidation lets you pay what you owe so you don’t have past obligations holding you back from your future. The U.S. Federal Reserve reports that most Americans carry about $15,000 worth of credit card debt. Living paycheck-to-paycheck has a negative impact on your psychological well-being, career, physical health and relationships. It is exhausting to owe money you can pay back to creditors. However, you can follow a step-by-step plan to a debt-free life.

                  Face the Financial Facts

                  One way to motivate yourself and make a change is by facing the facts and dealing with your financial reality. If you don’t choose 100 percent transparency with a spouse or relative, get real with yourself. You will likely feel comfortable laying out all of your debt as you engage in credit counseling with a trained and non-judgmental counselor.

                  List all of your Bills

                  In addition to facing the facts of how much money you owe in terms of credit card debt, you also need to know about your monthly financial obligations. List all of the fixed expenses such as rent or mortgage, utilities, phone, cable and insurance. Make a list of all your flexible living expenses including food. As part of credit counseling, you use the information to formulate a realistic budget and debt management plan.

                  Lower your Interest Rate

                  When you sign up for a debt management plan, you end up with allies who go to bat to lower your interest rates on credit cards. The reason debt consolidation works so well for thousands of people is because you can pay off your credit card debt a lot faster with a lower interest rate.

                  Choose a Payment Method

                  You can choose different methods for paying off debt. The advantage of debt consolidation is you benefit from the psychological and emotional satisfaction of getting out of debt 80 percent faster than other methods. Also, you feel good knowing your fulfilled your promise to pay back what you owed. If you declared personal bankruptcy or chose debt settlement methods instead of credit counseling, you would likely feel like a failure or person lacking integrity.

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                    Christian Credit Counselors
                    Christian Credit Counselors

                    Debt Free Living

                    One of the most important steps in Christian Credit Counseling is developing a plan for getting and staying out of debt. Obviously, your current income isn’t enough to support your lifestyle. You’ve borrowed money to make up the difference, but paying it back has become a big problem. The first step to getting out of debt is cutting your current expenses and making paying creditors a priority. Once you’re used to living on a more restricted budget, you might be surprised by how many things you can live without.

                    Step One: Look for Expensive “Extras”

                    There are plenty of bills that many people take for granted that might not be absolutely necessary. For example, do you have an expensive cable bill each month? How often are you really using your cable package? If the bulk of your television watching is mindless, “I don’t really care what’s on, but I want to watch something,” you can get Netflix or Amazon Prime for a much lower monthly cost than paying for cable every month. What about your cell phone bill? Do you and your kids really need those expensive smart phones with all the bells and whistles? Consider reducing your data package to a minimum amount and only using your apps or browsing the internet when you’re connected to WiFi. You’ll be surprised by how many locations make it available to their customers! Then, there’s your gym membership. If you don’t go to the gym several times a week, you’re probably better off working out at home. Look to see when your contract is up or if you can reduce to a lower-cost membership.

                    Step Two: Reduce Your Bills

                    Look for ways to conserve water and electricity in your home. Try contacting your utility companies and asking them about ways to reduce your bill. Some places will be willing to offer you a better plan, especially if you have multiple providers in your area.

                    Next, take a hard look at your food budget. Food is definitely a necessity, not a luxury, but you may be surprised by some ways that you’re spending far more than necessary on food. Eating out is the obvious example: if you eat out two or three times a week, you’re draining your food budget fast. The biggest food budget buster, however, might already be in your fridge: waste. Take a hard look at what is actually being consumed in your home. Are you throwing out more fruit than your kids actually eat? Do you have great plans for all those fresh vegetables, but find yourself tossing them out at the end of the month uneaten? Cutting back your food budget in this area is simple: don’t buy what your family won’t actually consume. Set your hopes for healthier eating aside and focus on a more realistic view of your family’s consumption.

                    Step Three: “Need” vs “Want”

                    Your daughter grew three inches over the summer. She needs new clothes for school. She wants all the name brand clothes that the kids at school are currently wearing. Your son needs a new pair of shoes because his are tattered. He wants the expensive ones with all the bells and whistles. It’s easy to identify the difference in your kids, but it might be harder to identify it in yourself. You need new work clothes, but that doesn’t mean that you have to shop at the most expensive store in town. Checking out sales and discount stores might take a little longer, but it will be a lot easier on your wallet in the long run. You need to take care of expensive car repairs in order to keep your vehicle running, but you might be able to wait on some cosmetic issues or some concerns that don’t actually affect the vehicle’s ability to get you from one place to another. Make it a habit to avoid giving in to wants until you have taken the time to save up for them and carefully consider what you really need out of your purchase. In the end, your choice might surprise you.

                    Do you want to know more about debt and how you can make smart financial decisions now that will help you secure a more prosperous financial future? Sign up for our newsletter for monthly money tips.

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