WHATS NEWS ONE

Personal quote

2013-07-02T14:40:00.002-07:00

"I'm glad I scrubbed the bottom of the barrel. I learned I'm a survivor, that I make a meal out of nothing. That I am money smart. So the day that I do make more then enough. I will always have plenty. And then some." DCL 2013

Visit my Spoonflower Shop!

2013-03-18T15:50:00.001-07:00

Love to sew? Check out my lovely fabric designs! Make pillows, pillow cases, sheets anything your heart desires! Get started on your project today! These designs also come in wallpapaer and wall decals!

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http://www.spoonflower.com/profiles/handmade_dreams

Quote Of The Day

2012-11-15T08:23:00.003-08:00

In this world, you have to fight for what you want. Then you have to dream about it, make a move on it, then ATTAIN it.

Donna C. Ledesma

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Quote of the day

2012-08-28T12:51:00.001-07:00

I don't want to be defined by my disability, but by my perseverance. Donna C. Ledesma

Written by Donna C. Ledesma
Copyright © 2012
All rights reserved

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2012-08-27T20:06:00.002-07:00

See my store at Zazzle

2012-08-27T09:33:00.000-07:00

Bragging rights! I have had people from US, Russia, United Kingdom, Netherlands, Germany, China, France, Sweden, Canada, Ukraine, Austrailia, Slovenia, Latvia, Japan, Hungry, South Korea, Nepal, Philippines, Jordan, India, Poland, Malasia, Brazil and Iran read my work on line over 14,590 total and over 12,282 people who have viewed my videos. I may be small potatoes, but at least I'm doing something, teaching others, helping the disabled, and offering insightful information. Ok people. BIGGGGG HUUUGGGG from me to YOU all over the world! Thank you!

Donna C. Ledesma
Writer/Author

Is Buying A Home In Todays Market Still Attainable

2012-08-23T11:39:00.001-07:00

Most people will agree that the economy has been rough on everyone. However the economy is starting to improve in some areas of the United States. Today's mortgage rates are more affordable then in the 1980's. Rates are as low as 4.5%; whereas rates were in the high teens in the 1980's. Buying a home is more affordable today then it was a few years ago. The housing crash and low interest rates are making it easier to buy a home that would normally be out of range.

However, if your thinking about buying a home in the near future there are a few things to consider.

The pros and cons of renting verses buying.
If your buying for long term then you need to get your finances in order (Have you saved at least 20% of the cost of the home you are considering )
Renting and the hassles like noise, rules, restrictions and your landlord.
What state do you live in? (As housing markets differ from state to state)
Are you buying to invest? Lets say to revamp and resell the property. (Today this is not very prudent)

Is renting cheaper then buying?

This all depends on your current financial status. If your buying,do you have at least 20% of the cost of the new home to put down? Is the interest rate low? Are you in a stable position financially? And do you have stable employment? Are you planning on living in your current location for five years or more?

If so, then yes; your ready to buy a home. The payments that you place on the principle will in the long term become a savings in equity. Equity you can use if your in a financial crutch. Refinancing will be the way to go.

Buying to sell
If your planning on staying in your current location for less then five years because you purchased it to resell for a profit; it would be wiser and cheaper to rent. In other words, if you decided to buy a home and plan on moving out after renovating in a year or so, it would not be advisable in that selling a house is more tedious then before; as well as dealing with closing costs and Real estate agent fees.

Buying VS Renting In A Restricted Community

If your planning on obtaining a home in a restricted gated community; it is better to buy then to rent. You don't have to deal with a landlords as you own your own home. Owning a home has its benefits. You can do anything you want so long as you have the permits if necessary. Upgrading the interior would be rewarding. You wouldn't have to ask for permission to make these changes as well as owning a pet.

State You Reside In Is A Deciding Factor

If you live in the northwest like California, Pacific Northwest and New York, renting is cheaper then buying. Due to the fact the selling a house is complicated due to the high price range. This doesn't include the closing and Real Estate Agent fees.

Purchasing a home is also very expensive in these parts of the United States. Housing cost are expected to rise all over the U.S.. Because owning a home in New York and California is pricy; you may choose to rent rather then buy. Again this also depends on your current financial status.

Pros and Cons of Home Ownership

Younger home Owners are struggling to stay afloat. Most of the struggling home owners are under the age of 40. These people bought their homes at the height of the housing market. Economist Stan Humphries states, "Negative equity is trapping young people in their homes, preventing them from selling. These homes are like the very starter homes potential first-time buyers are seeking. "

These home owners in this category have to invest in short sales; which entails getting banks to forgive the difference between the AMOUNT the home is SOLD for and the AMOUNT OWED on the loan. If the bank doesn't approve this, the sale can't go on. And even if the bank were to allow a short sale, the BORROWER will take a bad hit on their credit score. Few people are willing to take this risk.

Although today there's a great demand for starter homes, most people can't come up with the down payment. On a bright note, some families that moved back with their parents are starting to buy homes. That has increased by 50%. If your among these few, make sure that you have improved your credit score; and looked for mistakes that may be posted. Then take the necessary steps to rectify the problem. Some news reports state that this is an encouraging sign of stabilization in the housing market.

If your not ready to purchase a home, another pro is renting can give you a larger tax return then buying a home. The yearly payments on a home are larger then the payments you would be making if your were renting at the end of year. Home owners have to deal with yearly taxes due on the home. Conversely renters do not.

Indications of stabilization of the economy

Great factors of stabilization are that Americans are boosting their spending in retail business. There has been an increase on furniture and building materials. New homes are being built faster and foreclosures are down. We still have a ways to go but things are looking better. Also job growths are in the hundred thousand range and most consumers are no longer in a financial strain. Which indicates we are in a recovery process.

Home Depot Inc. reports that consumers are spending more to improve their homes. Such as:

paint,
bathroom accessories,
and kitchen installations.

In an article posted on MSNBC on August 14, 2012 - Chairman and CEO Frank Blank noted the strongest growth in the latest quarter came from markets that were hit hardest like California and Florida. Blake said,"These are encouraging signs of stabilization in the housing market."

In short if you are in a good financial place to purchase a home, and have saved for a large down payment; then your ready. Do it now before interest rates go up. If renting and not financially stable, are planning on moving in the next six months or so; it would be best to stay put. Your future is not bleak, it's just beginning.

Written by Donna C. Ledesma
Copyright © August 23, 2012
All rights reserved

References:
Free From Broke - A personal Finance Blog for Regular Folks
Http://freefrombroke.com/good-idea-buy-house-economy/
Http://www.nytimes.com/2011/05/11/business/economy/11leonhardt.html - David LeonHardt, May 10, 2011
Http://money.cnn.com/2012/08/23/real_estate/underwater-mortgage-borrowers/index.html - Les Christie @ CNNMoney, August 23, 2012
http://www.msnbc.msn.com/id/48657262/ns/business-us_business/t/home-depot-sees-signs-improving-housing-market/#.UDZCiaC8hKYBy%20Les%20Christie%20@CNNMoney%20August%2023,%202012:%205:17%20AM%20ET,
Associated Press, August 14, 2012
http://video.msnbc.msn.com/martin-bashir/48308040#4830804 - Martin Bashir, July 24th 2012
Http://abcnews.go.com/Business/video/jobs-claims-rise-housing-starts-fall-17019980 - Aaron Task analyzes the morning business headlines, Aug 16, 2012
Http://news.yahoo.com/video/business-15749628/housing-market-rebound-time-to-sell-or-buy-30247881.html - ABC News, Housing Market Rebound: Time to Sell or Buy, Aug 10, 2012

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Quote Of The Day

2012-07-14T18:58:00.004-07:00

Better to be known as man of nobility honesty and compassion then a lover of cruelty.

Donna C. Ledesma
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Money Saving Tip Of The Day - Energy

2012-07-06T12:59:00.001-07:00

Money Saving Tip Of The Day - Energy

There are a few ways to save on your electric bill this summer. One of the best ideas I have seen is to unplug all of your kitchen appliances at bedtime or when not in use. Your appliances are still using energy whether or not you are using them. Try plugging or electronic equipment to a six power outlet strip. At night or when your not using the electronics, simply press the off switch.

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Our Economy Today In The US

2012-07-06T12:40:00.000-07:00

The state of our economy is on the minds of many Americans. What is the overall picture of our economy? Are things looking up? While it may seem that the economy is getting better the real picture is that we are at a standstill. The next six months will tell us more about the state of our country and if we will be able to obtain jobs.

According to economist Jan Hatzius(Chief Economist), Global Investment Research, Golden Sachs - the economy is still very slow in growth in the second half of this year. Some economist attribute the slow growth to warmer winter weather which boosted construction in January and February. And Stuart Hoffman, Chief Economist of PNC Service Group states, falling gasoline prices should boost consumer spending. Here is a quote from John Silva, Chief Economist,

"It's hard for an employer to hire somebody when you don't know what the tax rates are going to be in six months. There's just too much uncertainty,"

While unemployment still remains at 8.2%; employers have added 80,000 jobs. While the government has cut over 7,000 jobs. The number of Americans out of work for at least six months or more remains high at 42% or 5.4 million people out of work. Some of these people have chosen to opt out of the job seeking market because of disappointment. This number could actually be higher. The unemployment rate actually rose in June to 14.9% unemployed in the US.

The following is a list of percentages, both pros and cons:

Pros

Professional and Business sectors gained with 47,000 hired
Education and Health added 2, 000
Leisure and Hospitality added 13,000
Manufacturers added 11,000
Construction added 2,000
Localities added 4,000
Works with high school degree had 8.4% (An increase of half for people with bachelors)

Economist expect to see at least 95,000 jobs added this year.

Cons

Government cut over 7,000
State cut 1,000 jobs
5.4 Million people remain out of work (some dropped out of the job market and not reflected here)
Retailers cut 5,400 jobs
Workers with bachelors degrees have a 4.1% unemployment rate (A decrease then those without a bachelors)

The economy still needs 125,000 jobs per month to rise above the recession and maintain the population growth. According to a CNN news report the US has not seen this much unemployment since World War II.

Averages among groups is:

Hispanics rate at 11% unemployed
African Americans rate at 14% unemployed
With Teenagers leading at 23% unemployed (lowest since 1948)

The longer a person stays unemployed, the harder it will be to come back into the job market.

Prospective Jobs

Temps rose to 25,000 hired
500,000 new Manufacturing jobs
84,000 jobs have been created
Pace of economic growth is 2% (not enough to improve economy)

The next questions is, what can we do to increase our chances of getting gainful employment. The following are a few tips to help you seek work.

Job Training - Some of you may have to consider a new career choice. Look for jobs in demand and get the appropriate training. Such as:

Healthcare
Nursing
Occupational Therapy
Police Officer
Computer Services (Computer Systems Analyst)
Nurse Practitioner
Social Services
Truck Driver

Government Grants - for school
Paid Internships
Create an online business (low overhead, little to no inventory)
Work for a Temp agency
Consider getting a certification as a CNA or Commercial Driver

Overall the economy seems to be waning a bit, but not enough to get us over this hump. We have to be diligent in our search for employment. For those who can create jobs; the sooner you do the better for the economy.

Written by Donna C. Ledesma,

Writer

References:

WWW. Golden Sachs.com - Jan Hatzius, Chief Economist, Global Investment Research
http://www.goldmansachs.com/our-thinking/topics/global-economic-outlook/jan-hatzius/index.html?cid=PS_01_20_06_00_00_00_01

WWW.usatoday.com - Paul Davison

http://www.usatoday.com/money/economy/employment/story/2012-07-05/employment-report-june/56056454/1

CNN News - Annalyn Censky
http://money.cnn.com/2012/07/05/news/economy/jobs-report-unemployment/index.htm
http://www.freeenterprise.com/top-jobs-currently-in-demand/
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2012-05-19T23:31:00.001-07:00

I write to supplement my income. If you like what I have written and are interested in donating, please click on the donate button. All donations are received through PayPal which is a safe way to donate.

Thank you,
Donna C. Ledesma

Traveling

2012-05-14T12:27:00.001-07:00

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Tips On Making Money In Todays Economy

2012-05-07T10:10:00.000-07:00

There are many ways to make money, even in today's economy. Here are a few tips to help you get on your feet.

1. Become assertive and creative. Go to your Micheal's, Hobby Lobby or any craft store and start a small business. You don't necessarily need lots of money. You can start off by buying wood work, jewelry, dolls, ect... Use your imagination and create something. Make hair bands, candles, hair clips, pottery and jewelry. Consider wholesale companies for your supplies. You can utilize the web to help you sell your new ideas.

2. You can grow your own food. All need is to go to your local Dollar store, or any store that you know sells seeds and plant products for a small price. Start by buying baby plants and nurture them. You can save up to $500.00 per year by growing your own food. Or you can choose to sell the items you grow to your neighbors family and friends.

I've seen people that have orange trees, apricot trees and grapefruit trees in their yard. They just let the fruit rot. When then can donate it to neighbors, family and friends. Or then can sell it and have some sort of income.

3. You can try building and working on your own ideas. Test the market or your product on E-Bay. See if you can get good response. Give one away to a friend and pass the word along about the new creative idea. Then sign on to Seemic and join the social media to promote your products. Build a successful business by offering new ideas.

4. Some people have special animals they raise to breed. However, if you cannot afford to care for your pet right now. This is not a good idea for you. Your pets are your family and we have to maintain their health as well as ours. If you are like so many others that have one too many pets. Try giving them to a neighbor or elderly person who could use the comfort of a pet such as: a cat or a dog. Currently there is an over population of cats and dogs so we need to take responsibility and have our pets neutered or spayed.

5. If your a stay at home individual who is unable to find work or disabled. Trying blogging and posting affiliate links. This is great way to make extra money and the best part is that it's free to join. In order to become a successful blogger, you must be dedicated and passionate about what you write. Try to include product names or experiences you may have had with companies like Walmart ect...

Linkshare is one of the companies I'm currently working with as a publisher. It's very easy to join. No sign up fees. Once you've sign on just apply to companies such as Walmart and if your blog or website meets their criteria you'll be excepted. Then all you do is copy past the link HTML and post it within your blog or website.

6. There are plenty of legitimate companies that offer work from home positions. Most of the time the work is data entry, insurance, billing, and making reservations. Here is a small list of a few companies I know that offer this type of work. Make sure to go to the official website and look for the Vericheck sign or Better Business logo.

Humana - File insurance claims from your home.
Marriott - Offer positions making reservations from home.
DARS - If your disabled and are having difficulty find work this is a great place to start. The Disability And Rehabilitation Service will help you find work. Call your local Social Security office for more information.

Remember for this type of work, you must have a dedicated phone line, computer, and faxing capabilities. If you don't have a fax machine there are plenty of websites that allow you to fax for free such as, Faxzero.com - http://faxzero.com/

Read the article on , "7 ways to make money on line." This is good for anyone looking for legitimate work on line. Read before you begin your journey. http://reviewopedia.com/workathome/7-ways-to-make-money-online/

I hope this information was helpful to you. If you have a comment please post it here or if you know of other great companies that offer work at home positions post it below. Please only legitimate companies as I will screen the post for accuracy. No MLM. No pyramids.

Written by Donna C. Ledesma
copyright © 2012
All rights reserved

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Money Saving Tip Of The Day

2012-05-05T12:33:00.000-07:00

Save money by buying bulk frozen vegetables and storing them in small freezer bags. The great thing about this is, your vegetables will last longer since your cooking smaller portions and taste just as sweet as the day you purchased them.

Written by Donna C. Ledesma

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Parents Who Chastise Kids On Social Networks

2012-05-01T16:54:00.001-07:00

There is an increasing phenomenon on social websites to publicly humiliate, embarrass, harass and even discipline our children. More and more people are publicly posting derogatory comments about friends, family members and now their own kids. This may be a bit extreme even though we know that more people communicate via the world wide web on social networks. What ever happened to picking up the phone and calling the person in question? Or just stting down and having a nice conversation. What happened to private matters? Now it's posted every where for everyone to see?

How much is too much?

Recently, a woman was seen on MSNBC Live Stream talking about her very public post on Facebook. She basically was having trouble with her teenager. The teenager was apparently talking back to her mother in front of her friends. Her mother told her that she needed to stop. If she didn't, then the repercussion would be severe.

The teen didn't listen to her mother and so, her mother decided to post this photo of the teen with a red and white (X) over her mouth. Mom Indicated that the young girl was having trouble being respectful. The mother wanted her daughter to feel the embarrassment of being ridiculed in public.

From the mothers point of view, she stated that she only meant for the post to be seen by family and a few friends. There was a reporter on her Facebook page she befriended. The reporter liked what she did and wanted to write a story about it. Unfortunately for mom, this proved to be unwise. She received numerous hate responses as well as some good. Now she's in the public eye trying to explain her actions.

Then there is the most popular story of a man who shot his 15 yr old daughters laptop over a remark she made public on a social network. Hum. This video went viral and was seen by everyone and anyone on YouTube as well as the media.

The father stood by his actions. He stated that he was disciplined publicly as a child and felt it was appropriate. Really? I think not. From what I've seen and read, this man is obviously making money from the Youtube video as well as being paid for public interviews. Taking a shotgun to resolve the issue at hand is a bit excessive. He also received over 10,000 to 20,000 negative responses.

And then there is fatheric who gagged is child. This topic isn't so popular but horrendous. A 21 year old father gagged and bound his child and posted her picture on Facebook. Her hands and feet were bound with ductape. I personally viewed the photo and found it to be cruel and horrible. The child looked like a hostage! Who could do such a terrible thing to their child? This little girl was 22 months old. That was just down right abusive. And thankfully this father was arrested for aggravated domestic battery and charged with a felony. His bond was set at $100,000.

Now lets examine the word, "Chastisement". The definition of this word means to inflict corporal punishment. Hum. What? Is this the army? Are our children in jail? Did they commit a terrible crime?

Well, if your like most people you will agree that this particular form of punishment is extreme. Experts agree that there are other things we can do to discipline our children. They say we should talk to our teenagers about the issue at hand. Perhaps, even ask our teen what happened that they felt it was necessary to do what they did?

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There are plenty of websites that have information on how to deal with a troubled teen. Counseling is still a very good option. Your child should be able to talk to you about whats on their mind without an argument or fear of punishment. Take time to stop, take a breath and truly listen to what your child is saying. You may learn something new and unexpected

Furthermore, no child should ever have to fear their parent. Because that is what we are instilling in our children when we go to such extremes. In the end, we only have ourselves to blame. We have stop becoming the bullies our children fear. Or the nightmare the haunts the our children for life. There are always consequences to our actions. Not only do we hold our children accountable with public humiliation, but we also be seen with public scrutiny and chastisment.

For helpful tips go to:
Nine Things You Shouldn't say to your child.
Http://www.cnn.com/2011/LIVING/07/12/dont.say.to.child.p/index.html

Verbal Methods of Discipline.
Http://www.parentsconnect.com/parenting-your-kids/toddler/behavior/toddler-discipline/Verbal_Discipline.html

References:
http://www.fidosysop.org/3956/03/another-tommy-jordan-matt-lauer-chapter-interview-on-today/
http://www.parentcentral.ca/parent/newsfeatures/article/1129297--angry-dad-reprimands-daughter-on-youtube-then-shoots-her-laptop
http://www.yourblackworld.com/2011/12/23/man-who-boundgagged-daughter-on-facebook-is-devastated-after-arrest/

Written by Donna C. Ledesma
Copyright © 2012
All rights reserved

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Quote Of The Day

2012-05-01T05:13:00.001-07:00

Women go through so much these days. I like to see woman being treated with respect and not as a sexual object. Naturally, we are all sexual. But to degrade ourselves or allow others to do so is only attributing to some of the problems we are experiencing today. I know that some photos posted are in good taste. Not overly revealing. Which can be a form of art. I just don't agree with negative music or ads about women. We were all someone's little girl once upon a time.

Quoted by Donna C. Ledesma

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Money Saving Tip Of The Day

2012-04-29T20:47:00.004-07:00

"Wood Raised Square Garden Bed Planter"

Try growing your vegetables in a cheap pot from a dollar store. Purchase the larger ones and the soil. You will have less problems with bugs eating your harvest and you save money by growing your own vegetables. Seeds range from .79 cents to 1.00 dollar.

Not only will you save money, but you will also lower your blood pressure. A peaceful alternative to large gardens.

Written by Donna C. Ledesma

My Computer Does Not Have Any Sound

2012-04-25T18:36:00.000-07:00

Recently I was unfortunate enough to experience just such a problem. One day my system started to go wacky. My mouse would work off and on. Then my sound would come and go. I was have trouble with video chatting. So as most people do, I ran a virus scan.

This proved to be very useful. I found that I had a deep root kit virus imbedded in my computer. I even tried using the Norton Security check. Same thing. Deep root kit virus among other bugs. Then the next logical conclusion I came to was to reboot a clean copy of my computer software. This is the software that came with your computer.

This resolved the problem for a time. So I researched again. I found Driver, Utility and Application Installation Order Guide for Dell Computers. That address is: http://support.dell.com

I found you can check your computer drivers by clicking on :

1) My computer,
2) Then right click and select properties.
3) If you find anything in yellow, then you can reinstall the driver by clicking on the yellow sign.
4) Or using the utilities software.

Use the Resource CD that came with your computer. (Dell Resource CD - Drivers and Utilities)

Option 1

1) Simply insert the CD into your computer.

2) Click next

3) When it boots, you'll see all of the drivers currently installed on your computer are checked.

4) Select drivers at the top of the page.

5) Select Audio Drivers

6) Reinstall Realteck ALC888Audio (any that are checked off)

7) Select extract. The zipped file will open and reinstall. (Follow the prompts)

8) Reinstall the Intel Chipset software installation (any that are checked off)

9) Select extract. The zipped file will open and reinstall. (Follow the prompts)

Then restart your computer.

Option 2

For more information go to: http://support.dell.com

If option one or two doesn't work, then:

1) Cut off the power supply to your computer.

2) Unplug everything.

3) Open your computer by using a phillips screwdriver.

4) Slide the panels off both sides of the computer.

5) Take a blowdryer - Set it on cool. (Don't use heat - as this could damage your computer)

6) Blow all the dust bunnies away from your computer.

7) Use a cotton swab to gently clean the fans and or any other areas you see dust accumulated.

8) Slide the panels back on and place the screws in.

9) Plug all of your cables into the ports.

10) Plug your computer back into the outlet and restart.

WARNING - Some websites advocate removing the battery to get the sound back on. But in reviewing the innards of my computer. I found that this option should be your last resort and only if you have copied the bios information about your system. Because some say that the system bios could be lost forever and you'll have a dead computer. Or nothing will happen and the system will automatically reboot the original manufacturers settings. Not only that, but the battery is hard to remove. It's placed in such a way that it seems it's not meant to be removed.

Believe it or not dust accumulation is the root of many problems with your computer. So it would be wise to see if you have dust on the outside of your computer. If you do, then the inside is pretty bad too.

I hope this helps. Please feel free to comment or ask questions.

Written by Donna C. Ledesma
April 25, 2012

The following code is only elegible for use on the US site -

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Welcome!

2012-04-24T21:22:00.000-07:00

Welcome to Whats News One. This blog contains articles of interest concerning today's world events. Some topics will be controversial in nature. Other topics will be about the Do and Don't (s) of computer problems, work, general information and any other related topic.

I welcome anyone to post a remark about the subject in question. I'd like to start a forum for the general public. Responses are always interesting and you can learn from the thoughts of others. My only request is that you keep your comments on a professional level. No fowl language or off color remarks. All of the post will be monitored.

I welcome any article submissions. Send your articles to handmadedreams44@gmail.com for review. If your article is posted, you will receive a notice in the mail as well as a link. I hope you enjoy this page!

Sincerely

Donna C. Ledesma

Writer/Author

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