Taking your time with due diligence

Taking your time with due diligence

Post author By Ben Reinberg
Post date May 12, 2024

Measure twice, cut once.

That’s a good motto for construction, and for investing.

For some, due diligence means box checking, and a desire to “close the deal”.

For Alliance, the goal is to confirm that it is a property worth acquiring and what the right price should be.

A good diligence requires you to gain a deep understanding of the context. I like to take my time with due diligence.

I make a point of personally visiting every single property, before Alliance buys it. I want to see it with my eyes. I want to walk the neighborhood and get a feel for the local community and infrastructure

I always ask to sit down face-to-face with the seller, tenants, selling agent, and other stakeholders.

It’s incredible what you can learn when you know the right questions to ask… and make the time to ask them in person.

Not everything important is on paper, and Alliance goes the extra mile to learn what we can.

Of course, it doesn’t matter how good a property is, or how thorough our diligence, if the price is wrong. The numbers absolutely must work, so we apply rigorous financial guardrails around the deals we will do.

Any real estate professional can run a decent financial analysis. Staying disciplined is much harder. At Alliance, we are willing to be creative, as when we started buying for cash up front. But we remain extremely careful about the preferred returns we promise investors, the cash buffers we’ll need to protect investments, leverage ratios, and our exit plans.

Over many years, Alliance has built a sterling reputation. We don’t over-leverage, don’t over promise, and don’t ask investors to bail us out with additional cash infusions. We look at every deal, apply only appropriate levels of creativity, and accept that sometimes, the numbers simply don’t work. Our willingness to walk away is why we deliver consistently excellent returns.

Wishful thinking has been the undoing of countless investors. With our rigorous diligence process and financial guard rails, Alliance won’t fall into that trap. Optimism is for gamblers. Top level investors focus on discipline.

Personal Development

Dominate or Disappear: Mastering the Winner’s Mentality in Business and Beyond

Post author By Baz Porter
Post date May 10, 2024

Welcome to the front lines of your revolution. This isn’t just another feel-good pep rally or a corner of the internet where platitudes are served like cheap diner coffee. This is about forging a path to victory in the trenches of business and the daily grind of life. Here, mediocrity is the enemy, and excellence is the goal. Buckle up as we dive deep into what it takes to mold a winner’s attitude—the kind that turns underdogs into champions and visionaries into legends.

Results: Your New Best Friend

Let’s talk straight—results are your scoreboard. The world doesn’t reward effort alone; it rewards completion, achievement, and success. Whether you’re launching a startup or climbing the corporate ladder, it’s not just the journey that counts—it’s where you end up. In the relentless pursuit of results, we adopt a no-excuses approach. Set monumental targets, then outdo them. Why aim to hit the mark when you can blow it out of the water? At R.A.M.S by Baz, we don’t just reach for the stars—we chart a course to new galaxies.

Attitude: The Game Changer

Now, let’s stir the pot a bit. Attitude isn’t just a small piece of the puzzle—it’s the corners, edges, and everything in between. It’s not about perpetual optimism but about formidable resilience. It’s your internal compass during the stormiest days. Cultivating a robust mindset isn’t soft—it’s strategic. Your mental stance determines your comeback rate from setbacks. When the tide turns against you, will you sink or strategize? A winner’s attitude means choosing to architect your fate, brick by psychological brick.

Mastery: Beyond Competence

In a world that applauds participation trophies, be the exception. Mastery isn’t about besting others but continuously outperforming your past self. It’s about embracing an insatiable quest for knowledge and refining your skills until they’re razor-sharp. In any field, from technology to leadership, mastery is about depth. We push for profound expertise in the R.A.M.S framework because surface-level understanding is for amateurs. Be the maestro of your craft; let excellence be your signature.

Systems: The Framework of Giants

Talent without structure is as effective as a one-winged plane. Systems are your blueprint for success—they convert sporadic victories into legacy achievements. They are your playbook for when chaos ensues. From systematic problem-solving to precise decision-making protocols, establishing robust frameworks ensures that your journey to the top is repeatable and scalable. In the grand scheme, it’s not merely what you do but how systematically you do it that distinguishes the victors from the vanquished.

The Winner’s Continuum

Here’s the raw truth: developing a winner’s attitude is not a checkbox on a to-do list. It’s a daily choice. It’s a commitment to never settle for second best. It’s a relentless pursuit of becoming a titan in your realm. It would help if you chose to be ruthless in your pursuit of greatness, steadfast in your growth, and unapologetic in your quest for superiority.

Ignore the critics who say it’s not all about winning. In the stark reality of business and life, it’s not just about showing up; it’s about owning the arena. It’s about imprinting your name in the annals of history. It’s about turning every challenge into a stepping-stone toward your throne.

Are you ready to exist, excel, compete, dominate, live, and reign? Welcome to the elite club of winners. It’s not just a journey; it’s a conquest.

Prepare to elevate your life and business with the R.A.M.S framework, where mediocrity dies and legends are born. This is where you transform into the powerhouse you were meant to be. Click Here To learn more about Baz and RAMS.

Welcome to victory.

Welcome to your extraordinary new reality.

Why Every Success Guru Is Wrong | The Brutal Reality of High Stakes Leadership

Post author By Baz Porter
Post date May 9, 2024

In a world brimming with self-help books, motivational seminars, and success coaching, an uncomfortable truth often gets swept under the luxurious Persian rug: most success gurus are dead wrong. Here’s why: they paint a picture of a world that’s linear, predictable, and neatly packaged, which is a stark contrast to the chaotic, unpredictable nature of high-stakes leadership.

The Myth of a Cookie-Cutter Path to Success

The first fallacy many success gurus promote is the notion of a one-size-fits-all path to triumph. Based on past winners ‘ blueprints, they peddle strategies and habits that supposedly guarantee success. However, high-stakes leadership—running a multinational corporation, spearheading a startup, or managing a crisis—requires a bespoke approach.

No two leadership scenarios are identical because no two markets, companies, or teams are identical. Real success is dynamic; it adapts, morphs, and responds to unique challenges and opportunities.

The Oversimplification of Complex Realities

Another glaring issue is the oversimplification of complex realities. Success gurus often reduce leadership to digestible bullet points and catchy phrases. Yet, the brutal reality of leadership, especially at high stakes, is that it’s messy.

It involves making tough decisions that don’t always have clear right answers, navigating corporate politics, managing conflicting interests, and sometimes, leading through personal pain and uncertainty. True leaders aren’t just following a script; they’re writing it in real time, under pressure.

The Danger of Overconfidence

Many gurus preach a gospel of unwavering self-confidence and bold decision-making. While confidence is crucial, an inflated sense of it can be dangerous in high-stakes environments. The best leaders balance confidence with critical self-awareness and humility. They understand their limitations and are cautious not to overextend their reach without sufficient support or information.

This balance prevents catastrophic errors from overconfidence, such as overinvesting in untested markets or launching products without adequate research.

The Illusion of Perpetual Positivity

Success advice often comes wrapped in the doctrine of relentless positivity. Yet, effective leadership acknowledges and confronts the negative, not just glossing over problems with a positive mindset.

High-stakes leadership requires dealing with crises, setbacks, and failures—often publicly. The capacity to handle these with grace, learn from them, and guide your team through the aftermath is more valuable than the ability to remain outwardly upbeat.

The Undervalued Importance of Adaptability and Resilience

Finally, most success gurus underplay the importance of adaptability and resilience, focusing instead on rigid adherence to specific success formulas. In contrast, high-stakes leadership demands a chameleon-like ability to adapt to changing circumstances and an almost Herculean resilience against setbacks.

The true measure of a leader is not how they perform when things go according to plan but how they handle unexpected challenges and bounce back from defeats.

Conclusion

So, next time you encounter a success guru selling a foolproof leadership formula, take it with a grain of salt. The brutal reality of high-stakes leadership is not about adhering to a predefined path but navigating the unpredictable, often treacherous waters of real-world challenges with insight, experience, and genuine human emotion.

Authentic leadership is crafted in the trenches of experience, shaped by personal growth, and honed through the relentless pursuit of self-improvement and adaptation.

Are you ready to ditch the outdated success scripts and lead with real guts?

Join the legion of true leaders who embrace the chaos and thrive. It’s time to redefine leadership on your terms.

Click here to discover the R.A.M.S. approach to mastering high-stakes leadership.

Transform your challenges into your triumphs—start your journey today!

Accounting Capital Economics

Wealth Mastery: The Key to Financial Success

Post author By Kris Miller
Post date May 8, 2024

In a world where financial uncertainty looms large, understanding how money works isn’t just wise—it’s essential. You see, our education often teaches us how to earn money, but rarely does it equip us with the knowledge of what to do with it once we’ve earned it. We graduate, secure jobs, and start making money, but then what? Without the right financial know-how, we risk losing our hard-earned wealth to the unpredictability of markets and life’s uncertainties.

Get a FREE Financial Fitness Strategy Session with Kris Miller, LDA and Legacy Wealth Strategist. Sign up now For a FREE Financial Fitness Strategy Session with Kris Miller, LDA and Legacy Wealth Strategist

It’s a scenario many of us face. We entrust our savings to financial planners or investment firms, hoping for growth and security, only to discover that our money is being gambled away in the stock market or mutual funds. This lack of control over our financial future can lead to anxiety and fear, especially when retirement looms and the prospect of running out of money becomes more terrifying than death itself, as highlighted by a recent survey conducted by AARP.

The truth is, if we want to create wealth and financial growth that we will never outlive, we must take charge of our financial destinies. We cannot afford to ignore the importance of understanding how to preserve our principal, maximize our returns, and minimize our taxes—the fundamental pillars of financial security.

Imagine a life where your money is not just earning interest but doing so with depression-proof safety. This dream isn’t out of reach. By learning safe money strategies, such as how to protect your principal in a down market or avoid probate and long-term care costs, you can ensure that your wealth lasts as long as you do.

Let’s break it down. The first step is to preserve your principal. This means safeguarding the wealth you’ve already generated, ensuring that it remains intact and protected against market downturns or unexpected financial crises. It’s about securing your future by building a solid financial foundation.

Next comes maximizing your return. Your money should work for you, not against you. By making smart investment choices aligned with your risk tolerance and age, you can create income streams that will sustain you through retirement and beyond. This is the essence of financial growth—making your money grow steadily and predictably over time.

And let’s not forget minimizing your taxes. Every dollar saved in taxes is a dollar earned towards your financial goals. Understanding tax-efficient strategies can significantly enhance your wealth-building efforts, leaving you with more to invest in your future.

So, how do we achieve this financial nirvana? It starts with education and empowerment. Take the time to learn about money—where to invest, how to protect your assets, and what pitfalls to avoid. Seek out resources and programs that teach safe money strategies and empower you to take control of your financial destiny.

We often hear about the importance of creating wealth, but what does that really mean? It’s about securing your future, ensuring that you have the means to live comfortably and pursue your dreams without financial worry. It’s about building a legacy for your loved ones and leaving a lasting impact on the world.

In conclusion, understanding your money is not just a choice; it’s a necessity. It’s the key to creating wealth, achieving financial growth, and ensuring you have income you will never outlive. Take the initiative today to educate yourself, seek expert guidance, and implement strategies that will secure your financial future by going to The #1 Program For Safe Money Strategies. Your wealth is your life—protect it, nurture it, and watch it grow. The journey to financial empowerment begins with a single step—let that step be towards understanding your money.

Find me on linktr.ee/healthymoneyhappylife

Do you have questions? Email me at Kris@HealthyMoneyHappyLIfe.com

Phone (951) 926-4158

“Over-Deliver or Go Home: How to Make Your Business Stand Out in a Sea of Mediocrity”

Post author By Dennis Cummins
Post date May 8, 2024

“Over-Deliver or Go Home: How to Make Your Business Stand Out in a Sea of Mediocrity”

The key to creating a killer promotional presentation to grow your business isn’t just about delivering what’s expected—it’s about over-delivering.

Just like setting the stage for a presentation, setting clear expectations for your business growth strategies is crucial.

But here’s the surprising twist: over-delivering can take your success to the next level.

Here’s how it works:

1️- Set Expectations: Just as you would give a short summary of your presentation to prime your audience’s interest, clearly outline what your offer entails. This not only creates anticipation but also sets the stage for over-delivering.

DO NOT: under promise just so that you can you claim the you are over delivering when you give them the “Standard” stuff. That’s B.S. and everyone is wise to that.

DO: Promise something great and then give them that and something even greater!

2️- Deliver What You Promised: Trust is the cornerstone of any successful business relationship. Make sure you deliver exactly what you advertised in your pitch. This builds credibility and lays the foundation for future opportunities.

3️- Go Above and Beyond: Once you’ve delivered on your promises, it’s time to WOW your audience, customer, or prospect. You do that by surprising them with more than they expected. You might do that by including additional services, personalized insights, or unexpected bonuses. This not only leaves a lasting impression but fosters loyalty and is also just plain old good Karma.

The Secret Sauce: always ask permission to go above and beyond.

Present the extra value as a favor or gift, demonstrating your commitment to giving, and earning their appreciation in return.

Remember, it’s not just about meeting expectations—it’s about exceeding them at every turn. So, dare to over-deliver and watch your business soar to new heights!

#BusinessGrowth #Invitational Selling #SuccessStrategy #ProSpeakerAcademy

Accounting Capital Economics

Charting Your Path to Financial Prosperity: Crafting Your Wealth Blueprint

Post author By Kris Miller
Post date May 7, 2024

In the journey of life, few topics evoke as much energy and emotion as finances. It’s a realm where every decision, every investment of time or money, represents a step toward our dreams. Each one of us has embarked on this voyage with hope and desire, striving for breakthroughs that not only transform our own lives but can inspire and uplift others around us.

Create Wealth Blueprint

Let’s start by reshaping our relationship with money—the foundation of our financial well-being. My own journey with money began at birth, influenced by familial attitudes and societal norms. But over time, I realized that my financial destiny was not predetermined; it was a canvas waiting for my brushstrokes. I learned to view wealth as something independent of external factors, a manifestation of my inner beliefs and actions.

Creating wealth isn’t just about accumulating numbers in a bank account. It’s about defining what prosperity means to you. Visualize it clearly: financial health, freedom to support loved ones, or pursuing passions without constraints. Set specific, achievable goals with clear timelines. When we eliminate ambiguity, we engage with our aspirations at a deeper emotional level.

Financial Growth Opportunity

Opportunities abound around us if we stay attuned to them. Awareness is key. Stay open to new possibilities, whether in business ventures, investments, or personal growth. Stretch your mind to see beyond the obvious. When I challenged myself to think bigger, I not only met my goals but exceeded them. Invest in expanding your mindset—it’s the fuel for turning dreams into reality.

Create Income You Will Never Outlive

Financial security isn’t just about the present; it’s about building a legacy that lasts. Wealthy individuals think long-term, planning for milestones years ahead. Ask yourself: How do you envision life in 1, 3, 5, or even 10 years? Determine the lifestyle you desire and calculate the cost to sustain it. Bridge the gap between your current situation and your retirement dreams. Immerse yourself in the idea that wealth is within your reach.

Fostering Financial Expansion and Nurturing Wealth

Immerse yourself in the conversation of wealth creation. Surround yourself with knowledge—books, workshops, coaching. Invest in self-improvement. At some point, you must become your own champion. Seek opportunities for growth—whether through one-on-one coaching or transformative events that propel you toward your goals. Remember, every step should stretch you, leading to breakthroughs you once thought impossible.

Create Wealth: A Path to Abundance

As we navigate the path to financial freedom, let’s remember to leave no one behind. Share your journey with loved ones; empower them to embrace their financial destinies. Together, we can create a world where prosperity is not a privilege but a shared reality.

In conclusion, creating wealth is not merely about numbers; it’s about empowering ourselves to live life on our terms. By shifting our mindset, embracing opportunities, and committing to growth, we can create a legacy of abundance—one that transcends generations by going to The #1 Program For Safe Money Strategies. Let’s embark on this journey together, turning aspirations into achievements and dreams into enduring realities.

Find me on linktr.ee/healthymoneyhappylife

Do you have questions? Email me at Kris@HealthyMoneyHappyLIfe.com

Phone (951) 926-4158

Advice Growth Marketing

An exclusive interview with EDDIE WILSON, The “King of Exits” and Co-Founder of THE ASPIRE TOUR

Post author By Eli Marcus
Post date May 7, 2024

Eddie Wilson is a businessman who is known as the “King of Exits.” He has owned over 125 companies and exited over 120 of them successfully. His current private equity firm Collective Influence has significant holdings as well. Of those holdings, the Private Equity firm owns – Think Realty, American Association of Private Lenders, Apticode, FitCon, Tax Free Crypto, Because Coffee, The Power Room, Money Is…and about 10 other companies.

He is also known for creating an operating system that manages the growth of his companies systematically allowing him the greatest odds for success. His operating system is known as the Empire Operating System. With all of his success in his 40s he has turned his efforts to humanitarian non-profit activities with his foundation Impact Others.

In this episode, you will learn:

-Exactly what an Exit Strategy means and why you absolutely have to have one when you start a business

-How Eddie become so proficient in exit strategies to earn him the title of the King of Exits

-How to grow and scale your business without working 7 days

-Advice for new entrepreneurs. What are the musts they should do and what are the common pitfalls they should look to avoid?

-How do you find the best employees and what traits do you look for when hiring?

–The Aspire Tour – How these new tours are taking the country by storm. Inspire your growth Financially, Professionally, Personally. May 17 in Miami from 7 til 7pm. Mr. Wonderful Kevin O’Leary, Marcus Lemonis from The Profit TV Show, Alex Rodriguez, Gary V and others. July 20 at Madison Square Garden in New York City.

Strategy

ROI or Bust: The Hard Truth Behind Executive Coaching

Post author By Baz Porter
Post date May 7, 2024

In a world where every financial advisor screams “diversify your investments!” from the rooftops, I’m here to throw you a curveball: What if the most lucrative investment you’ve been overlooking is your own leadership potential? Yes, I’m talking about diving headfirst into the realm of strategic executive coaching—a journey that isn’t just a line item on your expense report but a significant multiplier on your end-of-year balance sheets. Let’s debunk some myths and get straight to the point about maximizing ROI through strategic executive coaching services.

The Great ROI Misconception

Here’s a spicy take that might ruffle a few Armani suits: most leaders believe ROI from executive coaching is as elusive as a straightforward answer from a politician. They’re wrong. As a seasoned high-performance coach, I’ve witnessed firsthand the transformational effects of effective coaching on executives. It’s not about holding hands and singing “Kumbaya” around the corporate bonfire. It’s about strategic growth, mastering your mindset, and achieving results that reflect on both the balance sheet and company culture.

Why Traditional ROI Calculations Don’t Do Justice

Calculating ROI from executive coaching isn’t straightforward. It’s like trying to measure the speed of light with a wooden ruler. Traditional metrics fail to capture the profound impacts on a leader’s strategic thinking, decision-making speed, and error reduction. Through the RAMS framework—Results, Attitude, Mastery, and Systems—we don’t just aim for incremental gains; we go for exponential growth. Think of it as upgrading from a bicycle to a Ferrari on the autobahn of your career trajectory.

The RAMS Method: A Secret Weapon

Let’s cut through the buzzwords and jargon. The RAMS method isn’t just another coaching system. It’s a rebellion against the status quo of executive burnout and mediocre results. Here’s the real kicker: Leaders who embrace RAMS often find their ‘Eureka!’ moments not in the boardroom, but in breaking down their own psychological barriers.

Results: We measure our success by your success. The bottom line grows, not through mere chance but through precise, actionable strategies.
Attitude: Your mindset dictates your trajectory. We transform doubt into confidence, turning executives into corporate alchemists who transmute challenges into opportunities.
Mastery: True leaders are perpetual students. Our approach ensures that you’re not just at the top of your game; you’re redefining the game itself.
Systems: Efficiency isn’t about doing more in less time but doing the right things flawlessly. Our systems ensure that your leadership operates like a well-oiled machine, under any pressure.

Who’s Afraid of a Little Controversy?

Here’s where I might step on a few toes. Many traditionalists argue that the cost of executive coaching outweighs its benefits. They cling to antiquated practices like barnacles to a ship’s hull, slowing down the very progress they wish to achieve. In the modern hyper-competitive business environment, can you afford not to leverage every advantage?

ROI Isn’t Just a Number—It’s Your Legacy

Think of the greatest leaders in history; their ROI wasn’t just in their financial earnings but in the legacies they left behind. When you invest in strategic executive coaching, you’re not just improving your quarterly earnings—you’re crafting a legacy of wisdom, courage, and innovation.

Why This Matters to You

If you’re sitting there, adjusting your tie and skeptically eyeing this article, here’s my challenge to you: What if, one year from now, you could look back on today as the day you chose to radically alter your personal and professional destiny? Maximizing ROI through strategic executive coaching isn’t just about fattening your wallet; it’s about becoming the leader you were meant to be.

The Bottom Line

If you’re ready to stop playing small and start thinking like the titan you are, then it’s time to talk about RAMS. Let’s not just chase the market — let’s set the pace. Ready to become a legend in your own right? Let’s chat.

If I could solve a high-stakes problem for you.

Would that be worth 15 minutes of your time?

Thank you for taking the time to read this article on cultivating a growth mindset among top executives. The insights and strategies shared here have inspired you to embrace the transformative power of growth and resilience in your leadership journey.

Are you ready to take your leadership to the next level and unleash the full potential of your organization? I can help you solve your most pressing, high-stakes problems in just 15 minutes.

To reserve your spot and gain access to exclusive resources and support, book a 15-minute call with me today. I look forward to helping you transform your leadership and achieve your boldest vision for success.

Live with Purpose & Inspire with Leagcy

Health and Wellness Parenting Personal Development

Empower Your Child with Mindfulness: 5 Techniques to Try Today

Post author By Katherine Sellery
Post date May 6, 2024

Have you ever wondered about mindfulness? It’s a simple yet powerful practice that involves focusing your attention on the present moment while acknowledging and accepting your thoughts, feelings, and bodily sensations in a calm manner. In times of uncertainty, like the ones we’re facing now, mindfulness can be a valuable tool to help you stay calm and centered.

The benefits of mindfulness are remarkable, ranging from reducing stress to enhancing mood and emotional regulation. And guess what? These benefits aren’t just for adults – children can experience them too. You might be thinking, “How do you teach kids mindfulness? Is that even possible?” Well, it certainly is, and it can even be enjoyable!

Despite not facing the same stresses as adults, children often struggle to connect with their emotions amidst their busy schedules and digital distractions. Mindfulness can help them tune in to their feelings and better understand them. Research shows that practicing mindfulness with children can improve their focus, reduce stress and anxiety, and promote positive behaviors. Plus, it’s a fantastic way for you to bond with your child and find moments of tranquility together – something we all need right now. So, how can I practice mindfulness with my child?

Here are 5 Easy Mindfulness Techniques For Your Kids:

1. Breathing Exercise

Meditation involves sitting down and focusing on your breath, a challenge for restless children. Combat this by creating a calming atmosphere with colorful pillows and soft music. Encourage them to imagine pleasant scents, like flowers or cake, as they inhale deeply and pretend to blow out candles or dandelion clocks. Start with short sessions and gradually increase the duration to enhance their awareness of their rising and falling tummy.

2. Notice 5 Things Around You

Consciously observing the world can ground you in the present, especially during moments of stress or overwhelm. Turn this into a game for your kids. Sit down and invite them to join you in the “notice five things” game. Call out five things you see around you and encourage them to do the same. This activity brings them back to the present moment and becomes more effective with regular practice.

3. Embrace All Feelings

Children inevitably experience tantrums, and mindfulness can help them accept their emotions without judgment. As a parent, it’s crucial to set an example by acknowledging your reactions and taking deep breaths yourself. Avoid trying to engage them in meditative breathing during their outbursts; instead, wait until they’ve calmed down. Then discuss their feelings and unmet needs, practicing breathing exercises together to explore solutions for future situations.

4. Drop Anchor

Stand together with your child and guide them to feel grounded by pressing down through their feet, connecting with the earth’s gravity. Encourage them to tune into different parts of their body, starting with their head and working down. This exercise fosters a sense of stability and presence in the moment, helping them feel more grounded and aware of their surroundings.

5. Silence Game

This classic mindfulness practice encourages children to be as quiet and still as possible, not only with their voices but also with their bodies. Begin with short sessions, aiming for a minute of silence. When the game ends, softly ask your children what they noticed during the quiet, encouraging them to maintain that calm, peaceful feeling throughout their day’s activities.

In conclusion, these playful mindfulness activities offer a unique opportunity for you and your child to connect and develop valuable coping skills. By incorporating mindfulness into your daily routine, you will not think about how to decrease stress and improve your mood but you can create a calmer and more peaceful environment for both of you.

Remember, mindfulness isn’t about having expectations or living in the future – it’s about embracing the present moment. Start exploring these techniques with your child today and watch as they cultivate greater happiness and inner peace, benefiting both of you.

Health and Wellness Parenting Personal Development