Search found 756 matches

Return to advanced search

Re: Another UK Based Newbie Requesting Portfolio Advice

... Tax Rate : 20% (But may tip over to the 40% tax bracket when I complete my Self assessment Tax return next January) If into the 40% band, maybe consider additional pension contributions to gain tax relief at that rate. AVCs into your current employer scheme might be an option, but experience ha...
by TedSwippet
Mon Jan 12, 2015 7:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Another UK Based Newbie Requesting Portfolio Advice
Replies: 2
Views: 459

Re: Expat Abroad, Euro & PFIC

Assuming you don't want to renounce your US citizenship, you may well be in something of a bind if you try to invest anywhere in low-cost funds or ETFs. The US PFIC rules convert all your returns, both dividend and capital gain, into 'income' that is taxed annually and at the highest rate possible -...
by TedSwippet
Thu Jan 08, 2015 9:07 am
 
Forum: Investing - Theory, News & General
Topic: Expat Abroad, Euro & PFIC
Replies: 1
Views: 355

Re: Investing from abroad (London, UK)

1. How can I start to invest from London? Is it any different than if I was in the US? Which ones are the biggest differences? The main ideas still hold -- diversify, rebalance, stay the course, and so on. The details will differ considerably though, but it's hard to pick on any one area since ther...
by TedSwippet
Tue Jan 06, 2015 6:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing from abroad (London, UK)
Replies: 7
Views: 873

Re: Holding both Euros and US Dollars

What Valuethinker said. In addition... ... if you are a US citizen, green card holder, or other US 'taxable person' then you will want to be very careful not to hold any non-US domiciled ETFs. That would include anything from Vanguard UK or iShares EU. This might cause unfortunate conflicts with you...
by TedSwippet
Mon Jan 05, 2015 8:51 am
 
Forum: Investing - Theory, News & General
Topic: Holding both Euros and US Dollars
Replies: 2
Views: 354

Re: A Russian invests using Schwab

US estate tax kicks in at just $60k for non-resident aliens. That is less than 1/100 of the exemption available to US citizens. You will want to be sure not to exceed that level of holding combined in US domiciled ETFs or funds. A US domiciled ETF or fund counts as a 'security of a US company' even...
by TedSwippet
Tue Dec 30, 2014 6:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: A Russian invests using Schwab
Replies: 4
Views: 835

Re: NON-US Investor: Ireland ETFs to minimize US withholding

... In practice this means that the ETF domicile for US secutiites (ie, a SP500 etf for example) would be tax-neutral for the EU investor? For some EU countries, yes; for others, no -- depends on local 'foreign tax credit' availability, as much as anything else. The larger worry is the US estate ta...
by TedSwippet
Wed Dec 24, 2014 7:27 am
 
Forum: Investing - Help with Personal Investments
Topic: NON-US Investor: Ireland ETFs to minimize US withholding tax
Replies: 49
Views: 4875

Re: NON-US Investor: Ireland ETFs to minimize US withholding

If you are an european investor, simply forget Vanguard, it is simply not worth it. iShares and Deutsch Bank have lots of ETFs that reinvest the profits directly for you, without any kind of tax burden, unlike Vanguard Thanks to increasingly nightmarish US regulation and tax laws, many non-US inves...
by TedSwippet
Sun Dec 21, 2014 5:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: NON-US Investor: Ireland ETFs to minimize US withholding tax
Replies: 49
Views: 4875

Re: British Expat in US - portfolio help please!

...I'd assumed that if I head home, sure the money is stuck in the US, but once I retire I can draw it tax free in the US if I'm no longer a US person, or if I am then I pay tax in the US, but then my UK tax bill is correspondingly reduced. Other than the associated bureaucracy, what's the catch? T...
by TedSwippet
Tue Nov 18, 2014 4:00 am
 
Forum: Investing - Help with Personal Investments
Topic: British Expat in US - portfolio help please!
Replies: 5
Views: 886

Re: British Expat in US - portfolio help please!

I’m not sure whether I’ll stay here long-term, or maybe move back to the UK in 3 – 5 years. This is your largest block to planning. If you're going to stay the rest of your life in the US then saving into a 401k will turn out in retrospect to have been the right thing. Not so much if you leave, tho...
by TedSwippet
Sun Nov 16, 2014 5:47 am
 
Forum: Investing - Help with Personal Investments
Topic: British Expat in US - portfolio help please!
Replies: 5
Views: 886

Re: Non-US citizen with US Brokers: Estate Tax risk?

Further down the road - I'd be better to switch out of some of the US Dom. ETFs and move them to Ireland equivalents, as those won't count towards part of the $60K figure, even if they're holding US assets - as example rather than holding VOO, holding VUSA/VUSD instead? I know in the case of VOO, V...
by TedSwippet
Sun Nov 16, 2014 5:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Non-US citizen with US Brokers: Estate Tax risk?
Replies: 41
Views: 4982

Re: Non-US citizen with Interactive Brokers: Estate Tax risk

Just to clarify: do you consider my IB account with its exclusively non-US-domiciled ETFs to be a US asset? I would like your opinion on the following bold excerpt: ... Cash deposits with U.S. brokers, money market accounts with U.S. mutual funds and cash in U.S. safe deposit boxes are U.S. situs p...
by TedSwippet
Fri Nov 14, 2014 5:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Non-US citizen with US Brokers: Estate Tax risk?
Replies: 41
Views: 4982

Re: Non-US citizen with Interactive Brokers: Estate Tax risk

Wow, lots of misinformation and confusion in this thread. To answer OP's initial question, no. You are neither a US citizen nor US resident, so a bona fide 'non-resident alien'. As long as you avoid holding US stocks, US bonds, US domiciled ETFs (really just another type of US stock) and other 'US s...
by TedSwippet
Fri Nov 14, 2014 4:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Non-US citizen with US Brokers: Estate Tax risk?
Replies: 41
Views: 4982

Re: Investing in the Netherlands

...The Netherlands has a tax treaty with the US so you can get back the 15% withholding tax (VT and VTI/VXUS). The US/Netherlands tax treaty reduces US tax liability on dividends from 30% to 15%, and you claim this treatment with W-8BEN. But the 15% taken by the US under the treaty is generally not...
by TedSwippet
Sun Nov 09, 2014 11:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing in the Netherlands
Replies: 9
Views: 1089

Re: Investment plan for non-US person

Looks excellent to me, not least from the perspective of avoiding US tax traps. If there is anything wrong with this I can't see it either.
by TedSwippet
Sun Nov 02, 2014 4:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Investment plan for non-US person
Replies: 13
Views: 1409

Re: US Resident, UK citizen, UK Pension funds and bank

Welcome to the forum. Because of your US residency, it is unlikely that you will find any of the 'normal' UK brokers or platforms that will want to work with you. Non-US brokers have been skittish about US regulations -- practically every UK and EU based fund has small print that prevents "US t...
by TedSwippet
Sat Nov 01, 2014 4:27 am
 
Forum: Investing - Help with Personal Investments
Topic: US Resident, UK citizen, UK Pension funds and bank
Replies: 2
Views: 352

Re: Help with global ETfs from New Zealand

Tonen wrote:...I'm not sure if the 60k applies. Australia has a tax treaty that avoids this, and maybe NZ has one as well.

http://www.irs.gov/Businesses/Small-Businesses-&-Self-Employed/Estate-&-Gift-Tax-Treaties-International

NZ is not listed.
by TedSwippet
Mon Oct 27, 2014 3:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with global ETfs from New Zealand
Replies: 21
Views: 1933

Re: New to Investing, Based in Hong Kong

...am I right therefore in assuming if I open a brokerage account with IB here in Hong Kong and trade in the DB ETFs (domiciled in Luxembourg) that I will not be liable to pay a US dividend tax at all? To be pedantic, the ETF itself will internally(*) pay 15% US dividend tax on your behalf (only on...
by TedSwippet
Wed Oct 22, 2014 6:22 am
 
Forum: Investing - Help with Personal Investments
Topic: New to Investing, Based in Hong Kong
Replies: 55
Views: 3518

Re: New to Investing, Based in Hong Kong

... is my tax assessment in the previous post (comparing a US domiciled one to a Luxembourg domiciled all world ETF, based on $100k investment and average 2% dividend yield) correct? Probably close enough. The non-US components of the dividend might get different levels of withholding from their ow...
by TedSwippet
Tue Oct 21, 2014 3:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to Investing, Based in Hong Kong
Replies: 55
Views: 3518

Re: New to Investing, Based in Hong Kong

I think the db x-trackers we have looked at are considered HK-domiciled, not Luxembourg. No, they are domiciled in Luxembourg . I think it is where it is listed that matters? Again, no. ETFs are very often listed on the exchanges of multiple countries but domiciled only in one (and sometimes domici...
by TedSwippet
Tue Oct 21, 2014 3:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to Investing, Based in Hong Kong
Replies: 55
Views: 3518

Re: New to Investing, Based in Hong Kong

...Seems it doesn't really matter where you hold the account. Any investment in US companies will result in the withholding tax on dividends. I guess it is no big deal, and just part of the cost of diversifying into US companies. Not entirely. If a resident of HK holds a US domiciled ETF then they ...
by TedSwippet
Tue Oct 21, 2014 9:10 am
 
Forum: Investing - Help with Personal Investments
Topic: New to Investing, Based in Hong Kong
Replies: 55
Views: 3518

Re: At my age is it ever to late to invest?( UK)

It's hard to find a personal pension provider charging you less than 1.0%. I use one of the big insurance companies and pay 0.8% (because I have more than £50k in the account). You may have to hunt around a little, but it's not that hard to find good value personal pensions. All of the following ch...
by TedSwippet
Sat Oct 18, 2014 10:24 am
 
Forum: Investing - Help with Personal Investments
Topic: At my age is it ever to late to invest?( UK)
Replies: 13
Views: 1328

Re: Estonian citizen - 401K worth it?

If you stay in the US and retire there, then opening a 401k will have been the right decision. If you move out, it quite probably won't. I have an old 401k that is 'trapped' in the US now that I no longer work or live there. So far it has only provided a modicum of hassle, such as a W-8BEN requireme...
by TedSwippet
Fri Oct 17, 2014 7:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Estonian citizen - 401K worth it?
Replies: 8
Views: 668

Re: New to Investing, Based in Hong Kong

Have you looked at Vanguard UK ETFs? For example VUSD.LN, an S&P500 tracker, 0.07% TER, physical replication, and not US domiciled so no undesirable US tax entanglements.
by TedSwippet
Fri Oct 17, 2014 5:19 am
 
Forum: Investing - Help with Personal Investments
Topic: New to Investing, Based in Hong Kong
Replies: 55
Views: 3518

Re: New to Investing, Based in Hong Kong

Just a quick note... the DB X-tracker ETFs mentioned above use 'synthetic replication' to track the indices. You might be okay with that, but it is useful to be aware of the fact. In Europe, DB has been slowly increasing its range of physical ETFs.
by TedSwippet
Wed Oct 15, 2014 5:13 am
 
Forum: Investing - Help with Personal Investments
Topic: New to Investing, Based in Hong Kong
Replies: 55
Views: 3518

Re: Help a newcomer to investing [UK]

If I were a UK person dealing with GBP instead of USD I'd choose this simple port: 60% VWRL + 40% VGOV. Both are UK/Ireland Vanguard ETFs. This certainly has much to recommend it, and ETFs dodge the ugly 'platform fees' that have sprouted on platforms since RDR. If one can dodge or mitigate these f...
by TedSwippet
Mon Oct 13, 2014 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help a newcomer to investing [UK]
Replies: 9
Views: 854

Re: Help a newcomer to investing [UK]

The UK investing wiki page needs a bit of an update. A lot of fund TERs have changed (reduced, which ordinarily would be good news, but in many cases the reductions have been more than negated by new 'platform' fees), and several new funds and ETFs are now available. Refreshing the page is on my tod...
by TedSwippet
Mon Oct 13, 2014 8:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Help a newcomer to investing [UK]
Replies: 9
Views: 854

Re: UK Expat living in US looking for suitable broker/countr

...Most ETFs in the UK should be Dublin registered (eg the ishares ones are). Whether that gives you US tax problems I don't know, ... It will. Huge ones, with the capacity to consume 100% of the gains. As a 'US person for tax purposes', you have to avoid anything that is not US based. The US lays ...
by TedSwippet
Wed Oct 08, 2014 6:18 am
 
Forum: Investing - Help with Personal Investments
Topic: UK Expat living in US looking for suitable broker/country
Replies: 5
Views: 618

Re: Best broker for a European

My bad, I tried to sign up for IB again and there is an option to choose N/A in part II. IB it is, assuming my application is accepted. Thanks for the confirmation :-) By the way, sorry if my previous reply came off as a bit curt. I was in a hurry when I wrote it. On reviewing I can see how one mig...
by TedSwippet
Mon Oct 06, 2014 2:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best broker for a European
Replies: 5
Views: 480

Re: Best broker for a European

... I'm not a tax resident of a country that has a tax treaty with USA and so cannot fill out the W-8BEN and cannot open an IB account. Huh? Part I of the W-8BEN identifies you as not a US citizen no matter where you live. Part II is where you claim treaty benefits, if eligible . If you're in a non...
by TedSwippet
Mon Oct 06, 2014 9:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Best broker for a European
Replies: 5
Views: 480

Re: Help for Irish investors

VHYL is listed on three exchanges, one of which is Euronext and listed in EUR. If TD offers trading on Euronext -- and it seems like it does -- maybe you can buy direct in EUR?
by TedSwippet
Sun Oct 05, 2014 4:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Help for Irish investors
Replies: 9
Views: 973

Re: Domicile of funds and tax leakage.

... my understanding is that a UK investor who has filed a W8BEN will be taxed 15% withholding tax against a US ETF's dividend income. For a higher rate taxpayer some of that might be offset against additional UK taxation. For a Ireland ETF that holds US holdings the same 15% withholding tax is pai...
by TedSwippet
Fri Sep 26, 2014 3:37 pm
 
Forum: Investing - Theory, News & General
Topic: Domicile of funds and tax leakage.
Replies: 17
Views: 1597

Re: Domicile of funds and tax leakage.

So the government won't tax anybody that's not a US based investor in these examples? I'm not a tax resident anywhere (no need to go into that on this thread) so I assume once I can invest in a fund that is domiciled in Ireland, I won't be taxed by the Irish government Ireland does have a 20% divid...
by TedSwippet
Fri Sep 26, 2014 8:22 am
 
Forum: Investing - Theory, News & General
Topic: Domicile of funds and tax leakage.
Replies: 17
Views: 1597

Re: Advice for non-US citizen wanting to invest like a Bogle

... my understanding is that if a USA brokers such as Interactive Brokers offers me an ETF full of USA companies but domiciled in Ireland, I am not subject to the estate tax but am subject to DWT of 15-30% depending on my tax treaty with the USA? No. The ETF internally pays the 15% US/Ireland treat...
by TedSwippet
Fri Sep 26, 2014 3:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice for non-US citizen wanting to invest like a Boglehead
Replies: 17
Views: 1761

Re: Domicile of funds and tax leakage.

If you can take the time to understand it, this presentation is helpful in understanding how the ETF's domicile, the location of the underlying investments, and the location of the investor all interact. Particularly useful are the diagrams on slides 13 and 14 that show a few scenarios. Slide 14 sho...
by TedSwippet
Thu Sep 25, 2014 5:09 pm
 
Forum: Investing - Theory, News & General
Topic: Domicile of funds and tax leakage.
Replies: 17
Views: 1597

Re: US based brokerages and Estate Tax declaration for non

Before you set foot in the US -- literally, because even a 'house hunting' visit early in the year in which you relocate can trigger the start of US residency for tax purposes -- you want to be very clear on what stocks you own and how you own them. For example, non-US domiciled ETFs such as VWRL, a...
by TedSwippet
Mon Sep 22, 2014 5:48 am
 
Forum: Investing - Help with Personal Investments
Topic: US based brokerages and Estate Tax declaration for non-US
Replies: 2
Views: 254

Re: financial institution lowest exchange fees (GBP/USD)?

HiFX, Moneycorp, and Xetrade are all good bets. These are reputable specialist forex dealers that should beat bank rates on more or less any amount. No connection to any of them. My wife uses HiFX and is happy with them, I used Moneycorp in the past and was happy with them, and I've heard many good ...
by TedSwippet
Mon Sep 22, 2014 5:31 am
 
Forum: Investing - Help with Personal Investments
Topic: financial institution lowest exchange fees (GBP/USD)?
Replies: 6
Views: 439

Re: [from Euro country, use USD to invest in US index funds?

The simple value approach makes sense to me, I was just concerned that there might be some other currency convertion processes during the funds operations that i wasn't aware of. There is if you buy a 'currency hedged' fund. If you avoid those, though, your long term returns measured in EUR will eq...
by TedSwippet
Thu Sep 18, 2014 5:00 am
 
Forum: Investing - Help with Personal Investments
Topic: [from Euro country, use USD to invest in US index funds?]
Replies: 19
Views: 1393

Re: Advice for non-US citizen wanting to invest like a Bogle

I don't see a problem when you buy US-based ETF's within a Dutch broker account . Their is a tax treaty between The Netherlands and the US so the Estate tax doesn't apply. http://www.irs.gov/instructions/i706na/ch01.html#d0e224 Estate tax treaties are slippery. In particular the US/Netherlands one ...
by TedSwippet
Thu Sep 18, 2014 3:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice for non-US citizen wanting to invest like a Boglehead
Replies: 17
Views: 1761

Re: Advice for non-US citizen wanting to invest like a Bogle

Anyway, I'm not a tax expert, but I believe your American wife is eligible for the marital deduction which means assets from you to her under about $5 million are excluded from the estate tax. Yes. This only applies if the OP pre-deceases his wife and leaves her his entire estate, though. If she di...
by TedSwippet
Thu Sep 18, 2014 2:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice for non-US citizen wanting to invest like a Boglehead
Replies: 17
Views: 1761

Re: Is USD the best currency to choose for index fund invest

It doesn't matter what currency you invested in originally, only what currency you want to spend; if your expenses are in dollars, the dollar value of your investment determines its value. If the euro is worth $1.60, the same investment is worth $1600 or EUR 1000. If you invested in dollars and wan...
by TedSwippet
Wed Sep 17, 2014 6:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: [from Euro country, use USD to invest in US index funds?]
Replies: 19
Views: 1393

Re: [from Euro country, use USD to invest in US index funds?

It's very difficult to get a straight answer. However, that an Ireland / UK domiciled equity ETF pays its dividends in GBP makes sense. VWRD and VT are essentially the same Total World Stock ETF with the same dividend yield. VWRD pays the dividends in GBP and VT pays its in USD. I hope you're right...
by TedSwippet
Tue Sep 16, 2014 5:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: [from Euro country, use USD to invest in US index funds?]
Replies: 19
Views: 1393

Re: [from Euro country, use USD to invest in US index funds?

LOM Bermuda told me that VWRD and IUAG are denominated in USD but since they're Ireland/UK ETFs the dividends are paid in GBP. Murky indeed. This seems... odd, and they might be wrong. Vanguard UK's 2014 dividend schedule clearly shows VWRD's dividend currency as USD. IUAG looks a little less obvio...
by TedSwippet
Tue Sep 16, 2014 4:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: [from Euro country, use USD to invest in US index funds?]
Replies: 19
Views: 1393

Re: Is USD the best currency to choose for index fund invest

https://www.interactivebrokers.com/en/index.php?f=tax&p=nonUS states All non-US persons and entities are required to complete IRS Form W-8 to certify your country of tax residence and to establish whether you qualify for a reduced rate of withholding when opening an account There is no mention ...
by TedSwippet
Sat Sep 13, 2014 6:56 am
 
Forum: Investing - Help with Personal Investments
Topic: [from Euro country, use USD to invest in US index funds?]
Replies: 19
Views: 1393

Re: Is USD the best currency to choose for index fund invest

It looks like you have access to funds on the London Stock Exchange (so you can get VWRL I think), but that interactive brokers requires a W-8 and you'd still have to pay tax on dividends. Eh? Interactive Brokers withholds US taxes on dividends from US stocks . VWRL, VUSA and other Vanguard UK ETFS...
by TedSwippet
Sat Sep 13, 2014 3:36 am
 
Forum: Investing - Help with Personal Investments
Topic: [from Euro country, use USD to invest in US index funds?]
Replies: 19
Views: 1393

Re: Non-USA persons: We need a non-USA broker

Why will Schwab not sell you these investments? Because they do not meet US regulatory requirements. Caveat emptor. OP is neither a US person nor a US resident. Why would meeting US regulatory requirements matter? VUSD and SUAG are both UCITS ETFs and regulated in Europe. US tax laws make them the ...
by TedSwippet
Sat Sep 06, 2014 11:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Non-USA persons: We need a non-USA broker
Replies: 11
Views: 914

Re: Investing in US from New Zealand

Does the fact that the girl is a dual citizen as opposed to being either a NZ or US citizen matter? No. The US's archaic system of citizenship-based taxation is such that as far as the US is concerned, her US citizenship takes precedence over any others she might have. Also, for him, US inheritance...
by TedSwippet
Fri Aug 15, 2014 11:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing in US from New Zealand
Replies: 21
Views: 1518

Re: Investing in US from New Zealand

There could also be tax issues? Yes. He should avoid investing in US-domiciled funds or ETFs and possible exposure to US estate taxes , because NZ has no no estate tax treaty with the US. Conversely, she should only invest in US-domiciled funds or ETFs thanks to PFIC rules and the US's archaic poli...
by TedSwippet
Wed Aug 13, 2014 12:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in US from New Zealand
Replies: 21
Views: 1518

Re: Vanguard ETF's if I live in Sweden, good or bad?

I dont understand if this (the estate tax) matters at all if you dont invest in estates/reits? And just invest in Vangurads total stock market/international market ETFs? The US has no inheritance tax, but makes up for this with its 'estate tax', levied on the total value of everything a dead person...
by TedSwippet
Mon Aug 11, 2014 11:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard ETF's if I live in Sweden, good or bad?
Replies: 16
Views: 1501

Re: Estate Tax- Non resident- Advice Requested

... in USA using brokerage account... jointly with my wife... and maintain a 120K total balance in US account to avoid future estate tax issues. Still too much. From wikipedia : All property held jointly with a surviving noncitizen spouse is considered to belong entirely to the gross estate of the ...
by TedSwippet
Sun Aug 10, 2014 5:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estate Tax- Non resident- Advice Requested
Replies: 19
Views: 1666

Re: Vanguard ETF's if I live in Sweden, good or bad?

Look at the bold part. It sounds to me that I should be safe regarding US estate tax? No. The treaty prevented both Sweden and the US taxing anything you held in the US. Now that both the Swedish estate tax and the treaty is gone the result is that only the US will tax it. In other words, the US cl...
by TedSwippet
Sun Aug 10, 2014 6:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard ETF's if I live in Sweden, good or bad?
Replies: 16
Views: 1501
Next

Return to advanced search