My Journals (15)
The AARP Foundation recently announced three winners from Michigan of the first annual Women’s Scholarship Program -- Audrey Hawkins of Detroit, Patricia Murphy of Kalamazoo and Amy Oxendale of St. Louis. The scholarship provides funds to women 40+ who are seeking new job skills, training and educational opportunities to support themselves and their families.
“AARP Foundation is delighted to offer hard-working women across the United States funds to help them access the educational resources that will enable them to be competitive in the workplace,” said State Director for AARP in Michigan Steve Gools. “AARP’s founder, educator Dr. Ethel Percy Andrus, would be pleased that 50 years after she started this organization, we are still dedicated to carrying out her lifelong-mission of creating new opportunities for individuals like these three women so that they will be more financially secure in the second half of life.”
While many individuals benefit from the work of the AARP Foundation, research shows that women are disproportionately at risk of having insufficient resources in the second half of their lives due to lower earning and different work patterns. The AARP Foundation announced the Women’s Scholarship Program in August of 2007 to help women 40+ overcome financial and employment barriers by allowing them to participate in education and training opportunities they could otherwise not afford.
In 2004, Hawkins’ world came apart – she broke away from her abusive husband, lost her job, and was in two car accidents that left her disabled. In the wake of these disasters Audrey found her calling – children with special needs. While recovering from her accident and was unemployed, she volunteered at the Ronald McDonald House – a residence for families of sick children. She met a child disfigured by disease, yet he had a wonderful personality and attitude. Her life focus immediately changed. Her ultimate goal is to establish a daycare center for children with special needs and she is working now to get the education necessary to do that.
“This scholarship means that I can go to school to get the training I need,” said Hawkins. “Thank you to the warm-hearted people who provided the scholarship. It is more than appreciated!”
As a divorced single woman, with no health insurance, Murphy has experienced both health and financial troubles. She has had both knees replaced and suffers from multiple sclerosis. She found she was unable to work, but her ex-husband left her and she had no support. She began work on her masters in clinical social work, as she wanted to “reach out to others.” She has finished her prerequisite courses, but has decided to switch to physical therapy where her “real calling” lies.
“I know what it is like – finding out I had multiple sclerosis was a wake up call,” said Murphy. “Both my grandmother and my father taught me to move forward in spite of obstacles. Without this scholarship I couldn’t have done this. Most scholarships are not given to older people. I feel proud and special. Your support means so much to me!”
Oxendale is currently self-employed as a cleaning lady, yard worker and “do whatever needs to be done” person for other people. She has also worked for employers, but left for self-employment so she could take care of her children and her ailing mother. She is working toward her medical coding diploma at Davenport University, which she hopes to earn in the spring of 2009. She plans to continue on and finish up her bachelor’s degree in health information management.
“I want to go further than coding,” Oxendale said. “Some day I want to be one of those people who puts us all on a better path. My Davenport University counselor suggested I apply for the AARP Foundation Women’s Scholarship. When I found out I had been awarded a scholarship I was so excited I called everyone I know to share the good news. I can’t thank the AARP Foundation enough – this is so wonderful!”
The AARP Foundation Women’s Scholarship Program was available to eligible individuals with moderate to lower incomes and limited financial resources. To be eligible for the scholarships, applicants were required to be:
- A female age 40 or over (as of October 31, 2007);
- Able to demonstrate financial need;
- Enrolled in an accredited post-secondary school or training program within 6 months of the scholarship award date.
Applicants submitted their application online. Winners were chosen by an independent selection committee established by the AARP Foundation on the basis of financial need, personal circumstances and achievements, educational goals, and the likely impact of the scholarship on their lives and their families and communities. Scholarship awards range from $500 to $5,000, depending on financial need and the cost of the education or training program. The scholarship program is made possible, in part, by generous donation from Bank of America. Ongoing financial support for the scholarship program is received from the AARP Foundation Women’s Leadership Circle, a network of volunteer leaders who support the AARP Foundation in achieving its mission
This year’s recipients include grandparents who are raising their grandchildren, Katrina survivors, military veterans, and women from other inspirational backgrounds. Of the winners, 40% are in their 40’s; 50% are in their 50’s and 10% are in their 60’s. Additionally, 66% are from diverse backgrounds.
Added: June 18, 2008
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AARP Michigan is proud to announce that Monique Reid, a student who graduated on May 4, 2008 with an architectural degree from Andrews University in Berrien Springs, MI, is the first place winner in the “House of Freedom” National Student Design Competition. In developing their submissions, students participating in the competition researched and responded to the unique aspects of designing a home that is usable by all people, regardless of age or ability. Reid was awarded $2,500 for her winning home design.
“I had so much fun designing this home!” Reid said. “For me, entering this competition was both a learning experience as well as a challenge. I wanted to learn more about universal design and challenge myself to create a home that would be appealing to all regardless of their age, height and/or their physical abilities so I could apply the principles in my future practice.”
AARP and the American Institute of Architecture Students (AIAS) sponsored this new student design competition for the first time during the 2007-08 academic year. The Ethel Percy Andrus “House of Freedom” design competition challenged students to learn about universal design while creating an attractive design for a single-family home that is safe, comfortable and accessible for people of all ages and abilities.
“As a Christian who has been entrusted to be a good steward of the earth’s resources, it is important that I design a home that is adaptable,” Reid said. “I have watched my aunts and grand-aunts struggle to get into their homes and their baths. It is necessary for me to design a home that they and others can comfortably use through their lifetime.”
Universal design is the design of products and environments that are usable by all people regardless of age or ability. It includes home design features and products that make a home safer and more comfortable for all residents, even when their needs and abilities change.
“I hope that more architecture schools teach the principles of universal design,” Reid said. “I find myself explaining what Universal Design is to may of my peers. Eventually I would like to see it become second nature to all architects, maybe even become a part of the building code.”
The competition is named after Freedom Home in Washington DC, a home created under the supervision of Ethel Percy Andrus, founder of AARP. In 1961, a full-scale model of Freedom Home, which adapted traditional architectural details to serve the needs of older residents, was built in Washington DC for the 1961 White House Conference on Aging. The architectural concept exemplified by Freedom Home would later come to be known as “universal design.” AARP and the AIAS presented the “House of Freedom” design competition to honor Dr. Ethel Percy Andrus’s vision and to celebrate AARP’s 50th Anniversary in 2008.
“Universal design allows everyone to have equal access without the need for special adaptations,” Debra Lindstrom-Hazel, Executive Council Volunteer for Livable Communities for AARP Michigan, said. “AARP is committed to helping to make more livable communities. The concept of livable communities includes accessible and affordable housing as well as transportation options that allow us to stay engaged in our community. We are very proud of Ms. Reid for winning this competition and congratulate her on this honor.”
The award-winning entries will be displayed at the 2008 AIA Convention and Design Exposition in Boston, May 15-17, 2008 and at AARP’s 50th Anniversary Life @ 50+ Member Event in Washington, DC, September 4-6, 2008. The winning projects will also be published in the Fall 2008 issue of Crit, Journal of the AIAS.
For more information and resources about universal design, visit http://www.aarp.org/families/home_design.
Added: June 18, 2008
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If you are in your sixties, and own your home, chances are you have heard about reverse mortgages. Reverse mortgages can be helpful to homeowners who want to stay in their homes but are having trouble keeping up with their mortgage payments, or who need additional funds to fix up their house or pay for services. But, there is a new twist on the sales pitches for reverse mortgages – seniors are being urged to take out a reverse mortgage to buy risky investments. This sales practice has recently cropped up in Michigan.
If you are 60 years of age or older, you can arrange for a loan called a reverse mortgage, or home equity conversion loan. These loans can be paid out in monthly installments or in a lump sum. The loan comes due when you vacate your home. Unlike traditional mortgages, whose loan balances get smaller, reverse mortgage debt gets bigger over time.
Self-described estate planners in Michigan are luring older people into “free lunch” seminars at which participants are encouraged to take out reverse mortgages on their homes and to use the proceeds from the reverse mortgages to purchase annuities. A formal complaint about these “free lunch” seminars has been made to Michigan Attorney General Mike Cox.
“My office will go after those who target seniors and threaten a lifetime of hard work and savings,” Cox said. “Michigan’s seniors have paid their dues; they shouldn’t have to worry about losing their life’s savings.”
In early March 2008, the Financial Industry Regulatory Authority (FINRA) issued an investor alert urging homeowners over the age of 60 to carefully weigh their options before tapping into their home equity via a reverse mortgage to obtain additional income for their retirement years. The alert further reminds borrowers that reverse mortgages should generally be a last resort. Seniors do not often realize that these loans are expensive and that the fees and costs associated with them can actually be higher than an ordinary home loan. For example, most reverse mortgages tack on a $35 fee each time a check is mailed.
“If someone urges you to obtain a reverse mortgage to make an investment or purchase insurance, be very skeptical,” Steve Gools, AARP Michigan State Director, said. “Reverse mortgages can be a useful tool for certain older Americans who may otherwise face losing their homes. But, for anyone else, they are an expensive option that may prematurely deplete your home equity. I cannot think of one instance where a person should take out a loan to buy an investment. To add insult to injury, the annuity investments being touted are often unsuitable for older people too. Many of them have lock-out periods where you cannot get at your money without paying a steep penalty, even in an emergency.”
AARP urges those who are eligible to obtain reverse mortgages to carefully consider whether or not they are good candidates. Seek out a qualified financial planner or a second opinion. Make sure you know how much that loan will cost over time, including points, monthly fees, interest and closing costs. Do not ever do business with someone who is pressuring you or giving you a hard sell. Thoroughly check into their licensing and credentials before sitting down to talk.
For more information and resources about reverse mortgages, visit www.aarp.org/money/revmort or call the AARP Michigan office at (517) 267-8913.
Added: April 23, 2008
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AARP The Magazine, the definitive voice for 50+ Americans and the world’s largest-circulation magazine with more than 33 million readers, recently announced it would sponsor the 13th annual National Spelling Bee on June 14, 2008 at the Little America Hotel and Resort in Cheyenne, Wyoming. Up to 250 competitors age 50+ will have the chance to compete against spellers from across the country in this full-day event.
”The popularity of this event has continued to grow with our members and we are thrilled to be able to welcome more spellers than ever before to this year’s competition,” said Steve Slon, editor of AARP The Magazine.
In the AARP The Magazine-sponsored bee, the 50+ aged spellers are allowed to miss three words before being knocked out of the competition. The day begins with a written competition in the morning, narrowing the field to the top 15 who go on to compete in the oral spelling rounds. Contestants of AARP The Magazine’s National Spelling Bee pay their own way to participate and are competing for more than $1,000 in prizes. Additionally, the winner will be flown to New York City to appear on national television.
AARP The Magazine’s National Spelling Bee, formerly the AARP National Senior Spelling Bee, was founded in 1996 by a group of Cheyenne AARP members who wanted to challenge the 50+ community to keep their minds sharp as they age. Over the years, it has grown into a highly competitive and challenging event attracting adult spellers from all over the country and Canada. It is open to anyone age 50 or older, except previous winners, and is supported by NRTA: AARP’s Educator Community and the Staying Sharp program.
“It’s always an exciting event with an impressive display of knowledge and skill. The competition is fierce, but fun too,” said AARP Wyoming Director Rita Inoway. “It’s great to see so many people challenging their mental fitness, and we look forward to welcoming more spellers than ever before June 14 to the AARP Magazine National Spelling Bee in Cheyenne.”
HOW TO ENTER
Those interested in entering the 2008 competition can do so via http://www.aarp.org/SpellingBee. There is a $25 entry fee for participants and spellers must be at least 50 years old by June 14, 2008. Study tips are also available online. The event is open to the public and anyone interested in watching and cheering on the spellers is welcome to attend.
Additional information about AARP The Magazine’s National Spelling Bee, including the 2007 results and video coverage, is available online at http://www.aarp.org/SpellingBee.
Added: April 23, 2008
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As the warm weather travel season approaches, AARP has launched a new season of its in-classroom driver safety program. To ensure 50+ drivers stay safe behind the wheel this spring and summer, the course’s curriculum highlights the most user-friendly safety tips and reflects the most current driving information available.
Individuals who sign up for an AARP Driver Safety class between May 1 and June 15, 2008, can take advantage of the “Bring A Friend” promotion.
From May 1 through June 15, AARP members and a friend can attend the AARP Driver Safety Program classroom course together for just $10.00 – a 50 percent savings. Both attendees
will receive a certificate upon successful completion of the course. To receive this special offer, the AARP member must show their AARP membership card upon arrival on the first day of
the course.
will receive a certificate upon successful completion of the course. To receive this special offer, the AARP member must show their AARP membership card upon arrival on the first day of
the course.
According to recent data from the Federal Highway Administration, there are approximately
75 million licensed drivers age 50 and older in the U.S. This constitutes 38 percent of all
drivers on the nation’s roadways. According to the U.S. government figures, this
percentage is expected to increase significantly in the years ahead, increasing the need
for safe driving practices.
75 million licensed drivers age 50 and older in the U.S. This constitutes 38 percent of all
drivers on the nation’s roadways. According to the U.S. government figures, this
percentage is expected to increase significantly in the years ahead, increasing the need
for safe driving practices.
The driver safety course is designed to educate participants about how best to reduce traffic violations, crashes and chances for injuries; update drivers’ knowledge about relevant laws; and provide safe driving strategies to compensate for age-related changes that affect one’s driving ability. The eight-hour course, typically taught in two four-hour sessions, also stresses the importance of periodically monitoring one’s own and others’ driving skills and capabilities.
Among the useful information the course offers those preparing to take to the road:
- Important strategies for staying crash-free
- Challenges of city vs. rural driving
- Tips for highway driving and driving with trucks, buses and other large vehicles
- How to handle aggressive drivers
- Warning signs of unsafe driving habits.
“This course is a great way for drivers to refocus on safety as they get ready for the vacation season,” said LeRoy Fladseth, driver safety coordinator for AARP Michigan. “Each of us needs to take responsibility for keeping up our own driving skills and monitoring those of family members, whether young or old. The AARP Driver Safety course is a one-stop way to do that.”
To find a class in your area, call 1-866-227-7669.
AARP now also offers an online version of the Driver Safety course. For more information about the online Driver Safety course, please visit www.aarp.org/driver/online.
Added: April 23, 2008
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Views: 294 | Comments: 0 | Bookmarks: 0
As the warm weather travel season approaches, AARP has launched a new season of its in-classroom driver safety program. To ensure 50+ drivers stay safe behind the wheel this spring and summer, the course’s curriculum highlights the most user-friendly safety tips and reflects the most current driving information available.
Individuals who sign up for an AARP Driver Safety class between May 1 and June 15, 2008, can take advantage of the “Bring A Friend” promotion.
From May 1 through June 15, AARP members and a friend can attend the AARP Driver Safety Program classroom course together for just $10.00 – a 50 percent savings. Both attendees
will receive a certificate upon successful completion of the course. To receive this special offer, the AARP member must show their AARP membership card upon arrival on the first day of
the course.
will receive a certificate upon successful completion of the course. To receive this special offer, the AARP member must show their AARP membership card upon arrival on the first day of
the course.
According to recent data from the Federal Highway Administration, there are approximately
75 million licensed drivers age 50 and older in the U.S. This constitutes 38 percent of all
drivers on the nation’s roadways. According to the U.S. government figures, this
percentage is expected to increase significantly in the years ahead, increasing the need
for safe driving practices.
75 million licensed drivers age 50 and older in the U.S. This constitutes 38 percent of all
drivers on the nation’s roadways. According to the U.S. government figures, this
percentage is expected to increase significantly in the years ahead, increasing the need
for safe driving practices.
The driver safety course is designed to educate participants about how best to reduce traffic violations, crashes and chances for injuries; update drivers’ knowledge about relevant laws; and provide safe driving strategies to compensate for age-related changes that affect one’s driving ability. The eight-hour course, typically taught in two four-hour sessions, also stresses the importance of periodically monitoring one’s own and others’ driving skills and capabilities.
Among the useful information the course offers those preparing to take to the road:
- Important strategies for staying crash-free
- Challenges of city vs. rural driving
- Tips for highway driving and driving with trucks, buses and other large vehicles
- How to handle aggressive drivers
- Warning signs of unsafe driving habits.
“This course is a great way for drivers to refocus on safety as they get ready for the vacation season,” said LeRoy Fladseth, driver safety coordinator for AARP Michigan. “Each of us needs to take responsibility for keeping up our own driving skills and monitoring those of family members, whether young or old. The AARP Driver Safety course is a one-stop way to do that.”
To find a class in your area, call 1-866-227-7669.
AARP now also offers an online version of the Driver Safety course. For more information about the online Driver Safety course, please visit www.aarp.org/driver/online.
Added: April 23, 2008
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Views: 293 | Comments: 0 | Bookmarks: 0
AARP Teams With Michigan Business, Labor and Legislative Leaders to Spur Action on Health Care & Long-Term Financial Security
Diverse Groups Join National Debate on Critical Domestic Issues
America’s largest advocacy organization with 38 million members – including 1.6 million Michiganders – announced on Monday, February 11, 2008 their national, grassroots effort is beginning in Michigan as part of the November 2008 presidential election.
AARP and leaders of the state’s business and labor communities joined together at the Michigan State capitol to launch “Divided We Fail.” The diverse “Divided We Fail” alliance will work together in Michigan over the next nine months leading up to the presidential election on November 4, 2008, to urge action from elected leaders on the issues of health and long-term financial security.
“Together, we represent more than 50 million Americans and their families,” Eric Schneidewind, AARP Michigan State President, said. “We are standing united – here in Michigan and across the country – to demand action, answers and an end to gridlock.”
In Michigan, Divided We Fail supporters include AARP, Arab Community Center for Economic and Social Services (ACCESS), Association of Community Organizations for Reform Now (ACORN), Area Agencies on Aging Association of Michigan, Detroit Wayne County Health Authority, General Motors, Michigan Association of United Ways, Michigan Citizen Action, Michigan Disability Rights Coalition, Michigan Nurses Association, Michigan League of Human Services, Michigan State Medical Society, Michigan Universal Health Care Access Network (MichUHCAN), PHI, Service Employees International Union (SEIU), Southern Christian Leadership Conference (SCLC), United Way for Southeast Michigan and United Way of Monroe County, and several Southeast Michigan churches, faith and grassroots organizations. Additional organizations are expected to join the effort in the coming weeks. These organizations will collaborate to use their combined institutional reach to amplify the message that attaining health and long-term financial security is vital for all Americans, and that these issues must be included in the national election debate.
“The number of people without health insurance grows every year and more than half of all workers do not have any retirement income other than Social Security,” Phil Thompson, president of the SEIU Michigan State Council, said. “The time is long overdue for America to address these problems. It doesn’t matter if you are a senior citizen, a business owner or a worker, all Americans need financial security and quality health care they can afford. The SEIU is proud to join Divided We Fail in Michigan because we too believe it is critical that we demand action and answers from elected officials to ensure affordable health care and financial security for all.”
In addition to banding together with diverse organizations, the Michigan Divided We Fail effort will encompass additional coalition building to expand the network of organizations involved. This coalition building includes: a series of local town hall meetings across the state; member engagement and volunteer mobilization; newspaper, television and radio advertising; plus online activities to engage the public, business and elected officials in the debate, and encourage leaders to offer solutions.
“Speaking for all Michigan physicians who care for seniors, and who are concerned about future generations, we need our elected leaders to call together all stakeholders in health care, business, industry, labor, hospitals, insurers, health professions, academia, consumer groups, and law and make a serious commitment to action,” AppaRao Mukkamala, MD, a Flint radiologist and president of the 16,000 member Michigan State Medical Society, said. “No more hand-wringing, no more inertia.”
“While we may not all agree on the solutions, we all agree that the problems must be addressed now if we are able to continue the American dream and way of life,” Charlie Owens, state director for the National Federation of Independent Business in Michigan, said.
“General Motors supports the Divided We Fail effort to find bipartisan solutions to ensure affordable, quality health care and long-term financial security,” Bruce E. Bradley, Director of Health Care Strategy and Public Policy for General Motors, said. “DWF affords an opportunity to encourage our nation’s leaders and policy makers to address the root causes of our health care cost, quality and safety problems. There is a strong need to address the many issues facing our health care system, including providing appropriate, safe, coordinated care and fixing an ineffective financial structure.”
Divided We Fail, the most ambitious effort in AARP’s 50-year history, is designed to engage the American people, elected officials and the business community to find broad-based, bi-partisan solutions to the most compelling domestic issues facing the nation – health care and the long-term financial security of Americans.
More information about these efforts can be found at the Divided We Fail Web site, www.dividedwefail.org and on the Michigan AARP Web site at www.aarp.org/mi.
Added: February 13, 2008
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Each day, thousands of older adults and college students are targeted by the credit card industry in . The offers are sent in the mail or are available everywhere you turn around campus. Very soon, the collection calls come all hours of the day. The stress and worry over being maxed out takes a devastating toll. Learn about the exploding problems related to the predatory practices of the credit card industry and how older adults and college students are being harmed.
Elder Law of Michigan’s Consumer Fraud Prevention Project and the Legal Hotline for Michigan Seniors, in partnership with the Consumer Law Section of the State Bar of Michigan, Ingham County TRIAD, and the law firm of Foster, Swift are sponsoring the film Maxed Out: Hard Times, Easy Credit and the Era of Predatory Lenders at the East Lansing Film Festival. Join us on ’s south side.
A panel, consisting of experts in consumer law and financial abuse of the elderly will hold a discussion immediately following the film, which will include AARP Michigan’s Anita Salustro, Associate State Director. The panel will discuss legal and consumer protections that many people don’t know about. The film appeals to a wide audience, and is a must see for lawyers and law students. Learn more about the Fair Debt Collection Act—a topic only lightly covered in law school.
Tickets will be available at the door or can be purchased ahead of time by calling (517) 372-5959. Tickets are $10 or $8 for seniors, or you can attend the film with the Film Festival Pass.
Maxed Out is a 2007 independent documentary film that examines and exposes countless abuses of the credit card and financial industry. This provocative film takes you on a 90 minute journey deep inside the American ‘debt-style,’ where everything seems okay… as long as the minimum payment arrives on time. Drawing on stories from across the country, filmmaker James Scurlock etches a bleak view of the state of personal debt while taking aim at the predatory strategies of lenders, the entrepreneurial enthusiasm of collection agencies and the cozy relationships between government officials and major financial institutions.
Plan on seeing this remarkable film—you can’t afford to miss it!
Added: February 11, 2008
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AARP's commitment to volunteer service can be traced back to the life and vision of our founder, Dr. Ethel Percy Andrus. Each year, AARP honors the legacy of Dr. Andrus with the AARP Andrus Award for Community Service, our most prestigious and visible volunteer award.
The 2007 Andrus Award for Community Service recognized 53 unique individuals, one, (sometimes two) from each state, the District of Columbia, Puerto Rico and the U.S. Virgin Islands, who have demonstrated the power to make it better in their communities in ways that are consistent with AARP's mission, vision and commitment to volunteer service, and that inspire others to volunteer.
Like Dr. Andrus, these winners have a desire to bring ideas and dreams to life. Their work and achievements have a positive impact on the lives of many.
Use this form to nominate your candidate for the 2008 AARP Andrus Award for Community Service - http://assets.aarp.org/www.aarp.org_/articles/aboutaarp/AA2008NominationForm.pdf
Read about the 2007 winners at http://www.aarp.org/about_aarp/community_service/andrus_award_winners.html
Added: January 23, 2008
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The Michigan League for Human Services is pleased to announce the publication of the 2008 edition of Money Back in Michigan, an outreach effort that promotes awareness of various federal and state tax credits and deductions available to low- and moderate-income households.
This packet is designed to assist organizations that serve low-income individuals and families by providing timely information about credits for which they may qualify. It includes flyers that can be distributed or displayed in local offices, libraries, community centers and retail businesses.
The publication can be found at http://www.milhs.org/Media/EDocs?EITC07ForFiling2008withCvrLtr.pdf
The tax credits explained in this packet make a difference in the well-being of the thousands of Michigan workers who rely on income from low-wage jobs to support their families, have experienced economic dislocation, or have been feeling mounting pressure from rising housing, utility, fuel and health care costs. The tax credits bring money back into their households, either by reducing the taxes they owe or by providing a refund to the family. The credits are available both to individuals who file income tax returns and those who are exempt from filing, and some credits can be claimed after the normal income tax filing deadline.
The Michigan Statewide Earned Income Tax Credit Coalition, which is now convened and staffed by the Michigan League for Human Services, has a useful Web site (www.MichiganEIC.org) that we believe you will find very useful. This Web site has information about local outreach coalitions and Volunteer Income Tax Assistance (VITA) sites. It also provides access to the Michigan Poverty Law Program's I-CAN!E-File, a free Web-based e-filing system for taxpayers with household income under $50,000.
Money Back in Michigan can be downloaded from http://www.MiLHS.org and is also available by calling the League at (517) 487-5436.
Added: January 23, 2008
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Views: 518 | Comments: 0 | Bookmarks: 0
