Monthly Archives: December 2017

Start a Home Party Business #good #business #names

#home party businesses


Start a Home Party Business

November 17, 2006

It’s a party at your home–or better yet, at someone else’s. Customers socialize, and you make money. Need more convincing?

Home parties now account for roughly 29 percent of the nearly $30 billion in U.S. direct sales, and 13.6 million Americans bought or sold goods from home in 2004. Direct sellers are hawking everything from organic gardening supplies to wine. Some are even hosting virtual parties online. And the numbers are growing, according to Amy Robinson of the Direct Selling Association in Washington, DC. “The majority of companies coming into [the] DSA are party plan companies,” she says. “In a lot of cases, they are smaller, newer companies started by entrepreneurs from their basements.”

Andrew Shure (below) is one of them. Nationwide, he has 1,300 consultants selling Shure Pets pet products, and he predicts he’ll have 2,800 by the end of 2007. “The only requirement at Shure Pets is a passion for pets,” says Shure, 43, who launched the Chicago-based business in 2003 and projects sales of $1 million for 2006. Another example is Newburyport, Massachusetts-based Anna William, which lets customers design their own handbags. Kristen Lee, 29, launched the million-dollar company in 2003 with Keek Bielby, 57; Rani Chase, 36; and Erin Hornyak, 33–and already has 125 consultants nationwide.

Be sure to thoroughly research any company you’re considering, and make sure you love the products. As Robinson says, “It’s no fun to sell something you’re not interested in.”

Getting Started
Hanging out at a party and selling stuff might sound like easy money. But there’s more to it than that:

  • If you’re buying into one, scrutinize the initial fee. What’s included in the startup kit? Amy Robinson of the Direct Selling Association in Washington, DC, advises, “Make sure what you’re getting in return for your money is worth it.” Look for plenty of samples, training materials and other tools that will help you host a successful party.
  • Ask whether there’s a buyback policy. Companies that are members of the DSA must agree to buy back inventory from consultants within 12 months of the date of purchase, at a minimum of 90 percent of the original net cost. That way, “if you decide it’s not for you, you can recoup most of that money, and there’s minimal risk involved,” says Robinson.
  • Make sure there’s a real product being sold. And make sure it’s not something that will leave you with a garage full of widgets. If you suspect it’s a pyramid scheme–where your time and money is devoted to recruiting and earning money off a downline, and there’s no actual product being sold or the product is worthless–keep looking.
  • Don’t feel pressured. Shady operators might try to convince you to “get in on the ground floor with this new opportunity,” notes Robinson. “But a good opportunity will be there tomorrow. You need to take your time and think about it–make sure you’re completely comfortable with it.”
  • Remember, the party is never really over. Hosting a home party isn’t just about the party, as fun as that might sound. You need to be willing not only to make the initial sale, but also to follow up, to develop relationships, to be the kind of salesperson who could sell chocolate ice cream to a woman in white gloves–and call her a few weeks later to see if she’d like some more. “This is a relationship business,” says Robinson. “It’s about service after the sale.”

Types of Businesses and Forms of Business Organizations #business #applications

#types of business


A business is an organization that uses economic resources or inputs to provide goods or services to customers in exchange for money or other goods and services.

Business organizations come in different types and forms.

3 Types of Business

There are three major types of businesses:

1. Service Business

A service type of business provides intangible products (products with no physical form). Service type firms offer professional skills, expertise, advice, and other similar products.

Examples of service businesses are: schools, repair shops, hair salons, banks, accounting firms, and law firms.

2. Merchandising Business

This type of business buys products at wholesale price and sells the same at retail price. They are known as buy and sell businesses. They make profit by selling the products at prices higher than their purchase costs.

A merchandising business sells a product without changing its form. Examples are: grocery stores, convenience stores, distributors, and other resellers.

3. Manufacturing Business

Unlike a merchandising business, a manufacturing business buys products with the intention of using them as materials in making a new product. Thus, there is a transformation of the products purchased.

A manufacturing business combines raw materials, labor, and factory overhead in its production process. The manufactured goods will then be sold to customers.

Hybrid Business

Hybrid businesses are companies that may be classified in more than one type of business. A restaurant, for example, combines ingredients in making a fine meal (manufacturing), sells a cold bottle of wine (merchandising), and fills customer orders (service).

Nonetheless, these companies may be classified according to their major business interest. In that case, restaurants are more of the service type they provide dining services .

Forms of Business Organization

These are the basic forms of business ownership:

1. Sole Proprietorship

A sole proprietorship is a business owned by only one person. It is easy to set-up and is the least costly among all forms of ownership.

The owner faces unlimited liability ; meaning, the creditors of the business may go after the personal assets of the owner if the business cannot pay them.

The sole proprietorship form is usually adopted by small business entities.

2. Partnership

A partnership is a business owned by two or more persons who contribute resources into the entity. The partners divide the profits of the business among themselves.

In general partnerships, all partners have unlimited liability. In limited partnerships, creditors cannot go after the personal assets of the limited partners.

3. Corporation

A corporation is a business organization that has a separate legal personality from its owners. Ownership in a stock corporation is represented by shares of stock .

The owners (stockholders) enjoy limited liability but have limited involvement in the company’s operations. The board of directors. an elected group from the stockholders, controls the activities of the corporation.

In addition to those basic forms of business ownership, these are some other types of organizations that are common today:

Limited Liability Company

Limited liability companies (LLCs) in the USA, are hybrid forms of business that have characteristics of both a corporation and a partnership. An LLC is not incorporated; hence, it is not considered a corporation.

Nonetheless, the owners enjoy limited liability like in a corporation. An LLC may elect to be taxed as a sole proprietorship, a partnership, or a corporation.


A cooperative is a business organization owned by a group of individuals and is operated for their mutual benefit. The persons making up the group are called members. Cooperatives may be incorporated or unincorporated.

Some examples of cooperatives are: water and electricity (utility) cooperatives, cooperative banking, credit unions, and housing cooperatives.

What is a business name? #side #business #ideas

#business name


What is a business name?

A business name is a name or title under which a person or entity conducts a business.

Watch our YouTube video about What is a business name and how to apply for one.

When should I register a business name?

You will need to register a business name if you carry on business within Australia and are not trading under your own name.

Exceptions to this include:

  • if you are operating as an individual and your operating name is the same as your first name and surname
  • if you are in a partnership and your operating name is the same as all the partners’ names, or
  • if you are an already registered Australian company and your operating name is the same as your company’s name.

The law does not allow any changes from the business holder’s name if you wish to rely on the above exemptions. For example, if your name is John Smith, and the name of your business is ‘John Smith Co’, you will need to register the business name ‘John Smith Co’.

If you are unsure about whether you need to register a business name, look through the examples in Regulatory Guide 235 .

What a business name registration does not provide

Registering a business name does not provide exclusive ownership of your business name. It also doesn’t prevent other people from being able to register and use similar names.

To gain exclusivity over a particular business name, you need to register it as a trade mark with IP Australia .

Related links

StudyFinance: Types of Business Organization #business #proposal #sample

#types of business


Types of Business Organization

It is important that the business owner seriously considers the different forms of business organization types such as sole proprietorship, partnership, and corporation. Which organizational form is most appropriate can be influenced by tax issues, legal issues, financial concerns, and personal concerns. For the purpose of this overview, basic information is presented to establish a general impression of business organization.

Sole Proprietorship

A Sole Proprietorship consists of one individual doing business. Sole Proprietorships are the most numerous form of business organization in the United States, however they account for little in the way of aggregate business receipts.

  • Ease of formation and dissolution. Establishing a sole proprietorship can be as simple as printing up business cards or hanging a sign announcing the business. Taking work as a contract carpenter or freelance photographer, for example, can establish a sole proprietorship. Likewise, a sole proprietorship is equally easy to dissolve.
  • Typically, there are low start-up costs and low operational overhead.
  • Ownership of all profits.
  • Sole Proprietorships are typically subject to fewer regulations.
  • No corporate income taxes. Any income realized by a sole proprietorship is declared on the owner s individual income tax return.
  • Unlimited liability. Owners who organize their business as a sole proprietorship are personally responsible for the obligations of the business, including actions of any employee representing the business.
  • Limited life. In most cases, if a business owner dies, the business dies as well.
  • It may be difficult for an individual to raise capital. It s common for funding to be in the form of personal savings or personal loans.

The most daunting disadvantage of organizing as a sole proprietorship is the aspect of unlimited liability. An advantage of a sole proprietorship is filing taxes as an individual rather than paying corporate tax rates. Some hybrid forms of business organization may be employed to take advantage of limited liability and lower tax rates for those businesses that meet the requirements. These include S Corporations, and Limited Liability Companies (LLC s). Where S-Corps are a Federal Entity, LLC s are regulated by the various states. LLC s give the option for profits from the business to pass through to the owner s individual income tax return.


A Partnership consists of two or more individuals in business together. Partnerships may be as small as mom and pop type operations, or as large as some of the big legal or accounting firms that may have dozens of partners. There are different types of partnerships general partnership, limited partnership, and limited liability partnership the basic differences stemming around the degree of personal liability and management control.

  • Synergy. There is clear potential for the enhancement of value resulting from two or more individuals combining strengths.
  • Partnerships are relatively easy to form, however, considerable thought should be put into developing a partnership agreement at the point of formation.
  • Partnerships may be subject to fewer regulations than corporations.
  • There is stronger potential of access to greater amounts of capital.
  • No corporate income taxes. Partnerships declare income by filing a partnership income tax return. Yet the partnership pays no taxes when this partnership tax return is filed. Rather, the individual partners declare their pro-rata share of the net income of the partnership on their individual income tax returns and pay taxes at the individual income tax rate.
  • Unlimited liability. General partners are individually responsible for the obligations of the business, creating personal risk.
  • Limited life. A partnership may end upon the withdrawal or death of a partner.
  • There is a real possibility of disputes or conflicts between partners which could lead to dissolving the partnership. This scenario enforces the need of a partnership agreement.

As pointed out, unlimited liability exists for partnerships just as for sole proprietorships. One way to alleviate this risk is through Limited Liability Partnerships (LLP s). As with LLC s, LLP s may offer some tax advantages while providing some risk protection for owners.


Corporations are probably the dominant form of business organization in the United States. Although fewer in number, corporations account for the lion s share of aggregate business receipts in the U.S. economy. A corporation is a legal entity doing business, and is distinct from the individuals within the entity. Public corporations are owned by shareholders who elect a board of directors to oversee primary responsibilities. Along with standard, for-profit corporations, there are charitable, not-for-profit corporations.

  • Unlimited commercial life. The corporation is an entity of its own and does not dissolve when ownership changes.
  • Greater flexibility in raising capital through the sale of stock.
  • Ease of transferring ownership by selling stock.
  • Limited liability. This limited liability is probably the biggest advantage to organizing as a corporation. Individual owners in corporations have limits on their personal liability. Even if a corporation is sued for billions of dollars, individual shareholder s liability is generally limited to the value of their own stock in the corporation.
  • Regulatory restrictions. Corporations are typically more closely monitored by governmental agencies, including federal, state, and local. Complying with regulations can be costly.
  • Higher organizational and operational costs. Corporations have to file articles of incorporation with the appropriate state authorities. These legal and clerical expenses, along with other recurring operational expenses, can contribute to budgetary challenges.
  • Double taxation. The possibility of double taxation arises when companies declare and pay taxes on the net income of the corporation, which they pay through their corporate income tax returns. If the corporation also pays out dividends to individual shareholders, those shareholders must declare that dividend income as personal income and pay taxes at the individual income tax rates. Thus, the possibility of double taxation.

This overview was developed by Dr. Sharon Garrison.
No adaptation of its content is permitted without permission.

Business planning #stock #market #update

#business planning


Business planning

Effective business planning can be the key to your success. A business plan can help you secure finance, prioritise your efforts and evaluate opportunities.

It may initially seem like a lot of work; however a well prepared business plan can save you time and money in the long run.

What should a business plan include?

There are no rules about what your plan should cover or the level of detail. In general plans need to include information regarding:

  • business profile
  • vision, mission and goals
  • market research
  • operational strategy
  • products and/or services
  • marketing plan
  • financial strategy

Before starting your business plan

You may want to consider the following key questions to help determine if you are ready to start writing your business plan.

  • Have you thoroughly refined your business idea so you have a good understanding of how your business will operate?
  • Have you researched your business concept to determine if there is a need for it in the marketplace?
  • Have you completed a feasibility study to determine expected level of success?
  • Do you have the money required to start and grow the business?
  • Are you prepared to invest significant time into the business to get it up and running?

How often should I review my business plan?

Business planning is an ongoing activity; review plans regularly and update whenever your circumstances change.

Writing a business plan

You can download our business plan template and guide to assist you to complete your plan.

More information

  • To learn more about writing a business plan attend our workshop, The 12 Step Business Plan .
  • Download the free business planning app developed by the Australian Government, MyBizPlan .

Local SEO and Business Listings – WordPress Plugins #loans #for #business

#business listings


The Local SEO and Business Listings WordPress Plugin allows you to optimize your local business website through a step by step Local SEO Guide, a host of search engine optimization tools proven to increase Google – Bing – Yahoo local search rankings, a business listings scan tool, as well as, available functionality to create, correct and aggregate your local business listings on over 50 of the top Business Listings websites like Yelp,, Bing Places for Business and many more.

SEO expertise is NOT required to utilize this Plugin and optimize your website for Local Search. With the Step by Step Local SEO Guide we will walk you through the process.

Core Plugin Functionality

  1. Local SEO Road Maps
  2. Keyword Research Tool
  3. Competitor Keyword Spy Tool
  4. Suggested Content Submission Websites
  5. Proprietary Keyword Effectiveness Index – Judge how easy it will be to rank for specific keywords and how effective those keywords will be for your business.
  6. Business Listing Scan – Scan your business listings to see where you have missing listings or incorrect listings across the web.
  7. Local SEO Videos and Tutorials Updated Regularly – Get the latest information about optimizing your business for local search and tutorials on how to best utilize your Local SEO Tools.

Additional Available Local SEO Tools

  1. Competitor Analysis
  2. Web Analytics
  3. Search Metrics
  4. Social Engagement
  5. Web Buzz Monitoring
  6. Website Content Submission Tools
  7. Backlink Quality Check
  8. Competitor Backlink Spy
  9. Landing Page Optimization Tools
  10. Website SEO Audit
  11. Sitemap Generator
  12. Internal Link Audit and Optimization. and much, much more.

There are literally to many tools and features to list.

Local Business Listings

With one click you can run a Local Business Listings Report to see where you have missing or incorrect citations (business listings) across all the major local business aggregation websites like Yelp,, Facebook, Bing Local, Google My Business and more.

Additional Available Local Listings Functionality

This plugin also has the additional available functionality to allow you to seamlessly create or correct all business listing errors found in the business listing scan. You will also have additional monitoring and local listing updating features which will enable you to post to all your local listings at once with fresh information and content like announcements, coupons, deals, special events and more.

This Plugin gives you everything you need to out rank and crush your competitors in local search.

Small Business Advice – Consulting Services #business #to #business

#small business consulting


Small Business Consulting Services To Help Achieve Your Dreams

Strategic and Detailed

Loss of sleep and stress are common amongst small business owners. You have plenty on your mind. But, it doesn’t have to be this way. You don’t have to go at it alone. Padgett’s small business consulting services reduce the stress of running your business.

Rest easy with the backing of small business advice, guidance, tax services and support on a regular basis. When you have a question, you know where to turn.

CFO – Consultative Financial Outsourcing

Small businesses have limited resources, requiring employees to wear many hats. Do you have the utmost confidence in your financial decisions? What if you could lean on CFO-level support?

With deep knowledge of your small business, Padgett is empowered to give you all of the support you need – providing strategic and creative counsel on running and growing your business, just like an in-house CFO would do. This small business consulting service enables you to:

  • Stay ahead of the curve
  • Be proactive, not reactive
  • Recieve strategic guidance on how to improve your business
  • Speak with us in person on a monthly basis to review your financials and more
  • Call or email Padgett when you need us most – at no additional cost

Financials And Reporting

Get the personal time and attention you need to benefit from accurate financials and reporting. Padgett will even come to your place of business to collect any necessary records and return with your completed reports. With tools that save you time on record keeping and administration, you’re sure to shorten your day and feel confident that:

  • Records are organized and complete
  • Your business is government compliant
  • All filing deadlines are met
  • Employees are paid on time. and deductions are calculated accurately and remitted
  • Your results are available in a consistent, timely and concise manner

Small Business Consulting Services And Strategic Support

You need to consult with a trusted advisor regularly on all facets of your small business in order to work toward reaching your goals. Even small business owners deal with complex issues from time to time. Padgett takes the time to answer your questions – no matter how complex – and be strategic about helping you achieve your business dreams.

With a consistent, accurate and complete set of records, as well as our Reality Check database, we compare your business results to the industry standards developed from our thousands of clients and identify any areas of improvement.

What Is Business Networking, Anyway? #loan #for #small #business

#business networking


What Is Business Networking, Anyway?

Founder and Chief Visionary Officer of BNI

Business networking is leveraging your business and personal connections to bring you a regular supply of new business. The concept sounds simple, doesn t it? Don t let that fool you, though. Because it involves relationship building, it can be a deceptively complex process.

Think about it. How many people do you know? How many of these people truly understand what you do? How many of these folks have directed prospects to you as referrals? And how many of those referrals have actually turned into business?

Business networking is much more than showing up at networking functions, shaking a
lot of hands and collecting a bunch of cards.

For example, imagine two people attending an event, sizing it up and drawing an imaginary line down the middle. They separate, each taking half the room. At the end of the event, they meet again to see who s collected the most business cards.

Have you met these people? Sure you have. We all have. What did they accomplish? They collected a lot of cards that will end up on a shelf, in a drawer, in the trash, or–worse yet–scanned into a computer so they can spam everyone they just met. Why? What does a business card represent? It s a piece of paper, with ink and images on it. No relationship has been formed. This networking strategy, by itself, isn t an effective use of time, money or energy.

Some people get frustrated with networking because they seem to be making as much progress as a rear-wheel-drive truck on an icy hill: one foot forward, 10 feet back–getting nowhere fast.

Networking for business growth must be strategic and focused. Not everyone you meet can help move your business forward–but everything you do can be driven by the intention to grow your business. You have total control over whom you meet, where you meet them and how you develop and leverage relationships for mutual benefit. You have total control over whether you enter into the unique 29 percent of the population that is separated by six degrees (read The 29% Solution to learn more), whether you stay there, or whether you never get there at all.

Networking your business means you have to be proactive. The core of networking is doing something specific each week that is focused on networking for business growth. Make a plan, focus and be consistent. When you understand exactly what business networking is and step up to the challenge, you ll find avenues of opportunity that you may have otherwise never discovered, and you will be making an invaluable investment in the steady growth of your business.

Copyright 2016 Entrepreneur Media, Inc. All rights reserved.

Business Banking Definition #business #loans #bad #credit

#business banking


Business Banking

What is ‘Business Banking’

Business banking is a company’s financial dealings with an institution that provides business loans, credit, savings and checking accounts specifically for companies and not for individuals. Business banking is also known as commercial banking and occurs when a bank, or division of a bank, only deals with businesses. A bank that deals mainly with individuals is generally called a retail bank, while a bank that deals with capital markets is known as an investment bank.

BREAKING DOWN ‘Business Banking’

In the past, investment banks and retail/commercial banks had to be separate entities under the Glass-Steagall Act, but changes to the law made it so a single bank can deal with business banking, retail banking and investment banking. The Glass-Steagall Act is also known as the Banking Act of 1933, and was introduced to manage speculation. Parts of the act were repealed in 1999, making it no longer illegal for an investment bank to also engage in business/commercial and retail banking.

Services Offered by Business Banks

Business banks provide a wide range of services to companies of all sizes. In addition to business checking and savings accounts, business banks offer a range of financing options and cash management solutions.

Bank Financing: Bank financing is a primary source of capital for business expansion, acquisitions and equipment purchases, or simply to meet growing operating expenses. Depending on a business’ needs, business banks can offer fixed term loans, short and long term, as well as lines of credit and asset-based loans. Banks are also a main source of equipment financing, either through fixed loans or equipment leasing. Some banks specialize in lending in certain industries, such as agriculture, construction and commercial real estate.

Cash Management: Also referred to as treasury management, cash management services help businesses achieve greater efficiency in managing the cash coming into the business, or receivables; cash going out of the business, or payables; and cash on hand, or liquidity. Utilizing the latest digital technology, business banks set up specific processes for businesses that help them streamline their cash management, resulting in lower costs and more cash on hand.

Banks provide businesses with access to Automated Clearing House (ACH) and electronic payment processing for accelerating the transfer of money in and out of the business. They also allow for the automatic movement of money from idle checking accounts into interest-bearing savings accounts, so surplus cash is put to work while the business checking account has just what it needs for the day’s payments. Businesses have access to a customized online platform that links their cash management processes to their checking and savings account for a real-time view of their cash in action.

Бесплатные шаблоны сайтов #start #a #business

#free business website


Выберите шаблон для вашего сайта

Хорошо подходит для

Car, motorcycle and automotive specialists.


Attract customers to your garage with this vintage website template, perfect for car, motorcycle and automotive specialists. With parallax scrolling and a slick gallery, this template is ready-to-go. Simply click edit to customize the text and images and create a website that reflects the tone of your garage. Start editing today to build your online presence.

Цена: Бесплатно
Хорошо подходит для

рекламных агентств, брендинга, маркетинга и т. п.


Лаконичный и стильный дизайн этого бесплатного шаблона для сайта выделяется своей простотой. Это удобная возможность профессионально представить свои услуги и привлечь внимание клиентов с использованием минимума деталей и одного яркого цветного элемента. Воспользуйтесь этим, чтобы сделать акцент на своих проектах. Вы можете настроить все по-своему: стили и цвета, тексты и шрифты, меню, контактную форму, иконки соцсетей.

Реклама и маркетинг

  • Цена: Бесплатно
    Хорошо подходит для

    ресторанов, баров, кафе.


    Создайте сайт для вашего ресторана на основе этого свежего и стильного шаблона. Здесь вы найдете встроенное меню, которое сможете легко и быстро отредактировать. Добавьте любую необходимую информацию и настройте все элементы по вашему вкусу, просто кликая мышкой. Удобный и красивый сайт поможет привлечь еще больше клиентов в ваш ресторан, просто начните редактировать!

    Цена: Бесплатно
    Хорошо подходит для

    адвокатов, юристов, нотариусов, консультантов, фирм, контор.


    Создайте сайт для своей фирмы на основе этого привлекательного шаблона. Он идеально подходит для деловых сайтов, где важно выгодно представить подробную информацию, чтобы внушить доверие и заинтересовать клиентов в сотрудничестве. Начните редактировать шаблон: просто загрузите фотографии ваших коллег, добавьте сведения о направлениях и опыте вашей работы, настройте цвета, шрифты и контактную информацию, чтобы с вами было легко связаться.

    Цена: Бесплатно
    Хорошо подходит для

    диетологов, специалистов по здоровому питанию, консультантов, коучей.


    Представьте ваши услуги в этом удобном и стильном шаблоне сайта. Предлагайте посетителям назначать встречи онлайн и управляйте заказами в универсальном приложении Wix Bookings. Опишите каждую услугу, чтобы посетителям захотелось встретиться с вами, добавьте информацию о бизнесе и привлекательные фотографии, предложите удобный календарь для записи на встречу и отправляйте клиентам автоматические письма-уведомления с подробной информацией. Просто начните редактировать шаблон и создайте сайт, который выведет ваш бизнес на новый уровень.

    Цена: Бесплатно
    Хорошо подходит для

    портфлио фотографов, профессилналов и любителей фотографии.


    Покажите ваши работы с помощью этого бесплатного шаблона сайта. Привлеките внимание с первой же страницы с помощью красивой галереи на весь экран. Просто начните редактировать и создайте ваш отличный сайт уже сегодня.

    Цена: Бесплатно
    Хорошо подходит для

    музыкантов, групп, исполнителей, певцов.


    Делитесь вашей музыкой со всем миром благодаря этому стильному шаблону сайта. С ним вы получите все необходимые инструменты для продвижения вашего творчества в сети. Просто загрузите треки в приложение Wix Music, уже встроенное в шаблон, дайте возможность посетителям слушать, скачивать и делиться ими в соцсетях. Продавайте музыку на сайте без комиссии и отдавайте альбомы на дистрибуцию в более чем 120 интернет-магазинов. Создайте ваш потрясающий сайт уже сегодня.

    Цена: Бесплатно
    Хорошо подходит для

    строительных и ремонтных компаний, архитекторов, инженеров, фирм и агентств.


    Используйте этот бесплатный шаблон для сайта, посвященного строительству. Разместите важную информацию для клиентов на полосках-блоках с эффектом параллакс. Видеофон, удобная навигация, красивый дизайн — шаблон отлично подходит для создания профессионального впечатления и привлечения клиентов.

    Цена: Бесплатно
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