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Posts Tagged ‘It’s’

Child Life Insurance: Why It’s Worth The Money

Life insurance can be quite a sensitive topic, but more so when it focuses on insuring the life of a child. It is unimaginable to lose a child; therefore most people find it is impossible to think about protecting their financial interests in the event of losing a child. Whether parents have the means to afford a funeral or not, most parents would simply not want to talk about this subject.

However, the unthinkable can happen to anyone. That’s not all; there are several other really sound reasons to purchase life insurance for a child. Let’s see what they are:

Why purchasing child life insurance is worth the money

  • Child life insurance is very affordable. You can choose between term and permanent life. Term policies can be very affordable, working out to just $10-$20 per year.
  • On the contrary, funeral expenses can be quite unaffordable, if you don’t have the means. A funeral today costs anywhere between $5,000 and $10,000.
  • If you don’t wish to buy a separate policy, you can opt for a child rider in your own life insurance policy.
  • There could be a hobby or trait that will make your child’s life uninsurable in later years. Since child’s policies can be converted into an adult policy later on without proving insurability, it is a great back-up plan to have.
  • Some health conditions like Type 1Diabetes, a congenital heart defect, cancer or epilepsy can make life insurance unaffordable. Having a child policy is a good way to lock in cheap premiums, and avoid having to prove insurability in adulthood if your child suffers from any of these.
  • A child’s death can be devastating to a parent. While no financial benefit can offset the pain, ease your mind, or make you feel better about losing a child, a child’s policy can help you in small ways:

– Most companies give parents a few weeks off when a child dies, but sometimes it may take a while for them to go back to work, and quite understandably. The death benefit could help you take a bit longer, without having to worry about finances.
– Sometimes a child is ill before dying, and when health care costs are quite prohibitive, or not covered by health insurance, the death benefit can come in handy to cover these costs.
– In instances when parents find it very difficult to accept the loss, the death benefit can also pay for professional grief counseling.
– Many parents when faced with the loss of a child use the death benefit establish memorials or charities to help other children in need.

Should you buy whole life or term life insurance on a child’s policy?

While we have seen through the above reasons that life insurance can really be worth the money, should you buy term life or whole life? That is a very personal decision, but to help you decide, here is some additional information:

Child Term Life Insurance

  • Term life insurance is very affordable, and even if it is temporary protection, it can be converted to an adult policy when the child grows up.
  • Parents who purchase term policies on children usually do so for the sake of life insurance viz., to provide them with a death benefit that can take away the worry of finances while they grieve their loss. Some people think this is outrageous, and think that the amount spent on premiums could instead be utilized in a safe investment vehicle. However, there is nothing wrong in insuring a child for the sake of pure insurance reasons.

Child Whole Life Insurance Policies

  • Whole life insurance is permanent life insurance, and will be with your child throughout his or her life. While whole life policies are more expensive than term life, purchasing whole life for a child is quite cheap, when compared to purchasing whole life for an adult.
  • Parents who purchase whole life typically do so not just for the death benefit, but also as an investment opportunity for the child that will benefit them later on in life. There is a school of thought that says that over the course of time this investment won’t be able to keep up with inflation, making the current payments useless. However, some death benefit is better than none at all. Remember, it will have done its job during the earlier years, especially when you keep the next point in mind.
  • Some parents are of the opinion that whole life policies can be encased if their children need money for college expenses. Some parents also intend to borrow against it, but this point is once again debatable, because when you borrow against whole life, you are charged an interest.

A child policy makes sense only if the parents’ lives are insured.

Buying a child life insurance policy is a very personal decision, but do not even consider buying a child life policy if you yourself are uninsured. The primary way to protect your child is by insuring yourself, because the chances of a child dying are quite slim when compared to chances of an adult dying. So, consider child life insurance only if you are insured yourself.

A child’s policy costs little, and it is a wise expense not just for the death benefit and the money to pay for an honorable burial. The ability to carry on the policy into adulthood is a great gift that any parent can give to their child.

About Author
About AccuQuote:
AccuQuote is a leader in providing term insurance quotes to people across the United States. In 1986 it began operating with a single goal: to make the process of buying term life insurance as easy as possible for its customers.

Child Life Insurance: Why It’s Worth The Money

Life insurance can be quite a sensitive topic, but more so when it focuses on insuring the life of a child. It is unimaginable to lose a child; therefore most people find it is impossible to think about protecting their financial interests in the event of losing a child. Whether parents have the means to afford a funeral or not, most parents would simply not want to talk about this subject.

However, the unthinkable can happen to anyone. That’s not all; there are several other really sound reasons to purchase life insurance for a child. Let’s see what they are:

Why purchasing child life insurance is worth the money

  • Child life insurance is very affordable. You can choose between term and permanent life. Term policies can be very affordable, working out to just $10-$20 per year.
  • On the contrary, funeral expenses can be quite unaffordable, if you don’t have the means. A funeral today costs anywhere between $5,000 and $10,000.
  • If you don’t wish to buy a separate policy, you can opt for a child rider in your own life insurance policy.
  • There could be a hobby or trait that will make your child’s life uninsurable in later years. Since child’s policies can be converted into an adult policy later on without proving insurability, it is a great back-up plan to have.
  • Some health conditions like Type 1Diabetes, a congenital heart defect, cancer or epilepsy can make life insurance unaffordable. Having a child policy is a good way to lock in cheap premiums, and avoid having to prove insurability in adulthood if your child suffers from any of these.
  • A child’s death can be devastating to a parent. While no financial benefit can offset the pain, ease your mind, or make you feel better about losing a child, a child’s policy can help you in small ways:

– Most companies give parents a few weeks off when a child dies, but sometimes it may take a while for them to go back to work, and quite understandably. The death benefit could help you take a bit longer, without having to worry about finances.
– Sometimes a child is ill before dying, and when health care costs are quite prohibitive, or not covered by health insurance, the death benefit can come in handy to cover these costs.
– In instances when parents find it very difficult to accept the loss, the death benefit can also pay for professional grief counseling.
– Many parents when faced with the loss of a child use the death benefit establish memorials or charities to help other children in need.

Should you buy whole life or term life insurance on a child’s policy?

While we have seen through the above reasons that life insurance can really be worth the money, should you buy term life or whole life? That is a very personal decision, but to help you decide, here is some additional information:

Child Term Life Insurance

  • Term life insurance is very affordable, and even if it is temporary protection, it can be converted to an adult policy when the child grows up.
  • Parents who purchase term policies on children usually do so for the sake of life insurance viz., to provide them with a death benefit that can take away the worry of finances while they grieve their loss. Some people think this is outrageous, and think that the amount spent on premiums could instead be utilized in a safe investment vehicle. However, there is nothing wrong in insuring a child for the sake of pure insurance reasons.

Child Whole Life Insurance Policies

  • Whole life insurance is permanent life insurance, and will be with your child throughout his or her life. While whole life policies are more expensive than term life, purchasing whole life for a child is quite cheap, when compared to purchasing whole life for an adult.
  • Parents who purchase whole life typically do so not just for the death benefit, but also as an investment opportunity for the child that will benefit them later on in life. There is a school of thought that says that over the course of time this investment won’t be able to keep up with inflation, making the current payments useless. However, some death benefit is better than none at all. Remember, it will have done its job during the earlier years, especially when you keep the next point in mind.
  • Some parents are of the opinion that whole life policies can be encased if their children need money for college expenses. Some parents also intend to borrow against it, but this point is once again debatable, because when you borrow against whole life, you are charged an interest.

A child policy makes sense only if the parents’ lives are insured.

Buying a child life insurance policy is a very personal decision, but do not even consider buying a child life policy if you yourself are uninsured. The primary way to protect your child is by insuring yourself, because the chances of a child dying are quite slim when compared to chances of an adult dying. So, consider child life insurance only if you are insured yourself.

A child’s policy costs little, and it is a wise expense not just for the death benefit and the money to pay for an honorable burial. The ability to carry on the policy into adulthood is a great gift that any parent can give to their child.

About Author
About AccuQuote:
AccuQuote is a leader in providing term insurance quotes to people across the United States. In 1986 it began operating with a single goal: to make the process of buying term life insurance as easy as possible for its customers.

A Cure For Premature Ejaculation? (it’s Not What You Think)

If you’re looking for a cure for premature ejaculation, this article will provide a helpful overview of where to start.

Being able to control how long you last is one of the keys to being a great lover. As a result, it should come as no surprise that most men wish they could last longer in bed. A recent poll by the editors at Men’s Health revealed that nearly 75% of men would like to last longer.

However, there’s a segment of that group of men who consistently are unable to satisfy their lovers. This segment – which is estimated to be 20% to 40% of all men – are classified as having what’s known as premature ejaculation (also known as “PE”). For these men, sex is not a pleasure, something you look forward to all day. Instead, a man with premature ejaculation becomes so nervous about his inability to perform that he will often dread sex or even seek to avoid it, in order to avoid the disappointment or embarrassment that results from a poor performance.

If you are having trouble lasting longer in bed, you may be wondering, “Is there a cure for premature ejaculation?” Well, wonder no more. This article provides a definitive answer to this question.

First, it’s important to understand all of your options. There are many products on the market that claim to cure PE: sprays, creams, pills, and the like. Sprays (such as the popular Stud 100 spray) work by desensitizing the penis, which dulls sensations from sex and allows you to last longer because don’t get as aroused. Creams work in much the same way. Many men find that these products do help with the physical aspects of premature ejaculation, by dulling the sensations. However, rather than a cure, these products are more of a “cover up” – they simply mask the symptoms of premature ejaculation. Another down side is that many men find sprays and creams to be embarrassing, because you have to apply the product right at the moment of (or before) intimacy.

There are also various types of pills on the market: supplements, prescription pharmaceuticals, and over-the-counter drugs. There are many herbal supplements for sale that claim to cure premature ejaculation. However, because they are not FDA approved, these supplements haven’t gone through the rigorous testing process that normal drugs do. Therefore, the effectiveness (and the potential side effects) of these supplements are largely unknown. On the pharmaceutical side, some men have found serotonin-reuptake inhibitors (SSRIs) to help delay ejaculation, but these drugs have known negative side effects.

Taking pain relievers such as Tylenol or Advil prior to intercourse can help some men last longer, though there are harmful side effects with taking too many pain relievers as well (especially if you drink alcohol). The bottom line is this: if you have to continue taking the pills for the rest of your life, these pills aren’t really a “cure”- they’re merely a “cover-up,” just like sprays and creams.

If you’re seeking a cure, it’s important to understand that premature ejaculation is caused by a combination of deep mental as well as physical issues. As a result, a true premature ejaculation cure must directly address these mental and physical causes.

The most effective permanent cure doesn’t involve sprays, creams, or pills. It is a natural approach that consists of education and training to be able to withstand higher levels of stimulation without ejaculating. While this natural approach is not an immediate quick fix, most men do experience improvement within 24 to 72 hours. But more importantly, if you’re looking for a long-term cure, this type of natural education/training approach is the best way to permanently rid yourself of premature ejaculation.

If you’re looking for a cure for premature ejaculation, this article will provide a helpful overview of where to start.

Being able to control how long you last is one of the keys to being a great lover. As a result, it should come as no surprise that most men wish they could last longer in bed. A recent poll by the editors at Men’s Health revealed that nearly 75% of men would like to last longer.

However, there’s a segment of that group of men who consistently are unable to satisfy their lovers. This segment – which is estimated to be 20% to 40% of all men – are classified as having what’s known as premature ejaculation (also known as “PE”). For these men, sex is not a pleasure, something you look forward to all day. Instead, a man with premature ejaculation becomes so nervous about his inability to perform that he will often dread sex or even seek to avoid it, in order to avoid the disappointment or embarrassment that results from a poor performance.

If you are having trouble lasting longer in bed, you may be wondering, “Is there a cure for premature ejaculation?” Well, wonder no more. This article provides a definitive answer to this question.

First, it’s important to understand all of your options. There are many products on the market that claim to cure PE: sprays, creams, pills, and the like. Sprays (such as the popular Stud 100 spray) work by desensitizing the penis, which dulls sensations from sex and allows you to last longer because don’t get as aroused. Creams work in much the same way. Many men find that these products do help with the physical aspects of premature ejaculation, by dulling the sensations. However, rather than a cure, these products are more of a “cover up” – they simply mask the symptoms of premature ejaculation. Another down side is that many men find sprays and creams to be embarrassing, because you have to apply the product right at the moment of (or before) intimacy.

There are also various types of pills on the market: supplements, prescription pharmaceuticals, and over-the-counter drugs. There are many herbal supplements for sale that claim to cure premature ejaculation. However, because they are not FDA approved, these supplements haven’t gone through the rigorous testing process that normal drugs do. Therefore, the effectiveness (and the potential side effects) of these supplements are largely unknown. On the pharmaceutical side, some men have found serotonin-reuptake inhibitors (SSRIs) to help delay ejaculation, but these drugs have known negative side effects.

Taking pain relievers such as Tylenol or Advil prior to intercourse can help some men last longer, though there are harmful side effects with taking too many pain relievers as well (especially if you drink alcohol). The bottom line is this: if you have to continue taking the pills for the rest of your life, these pills aren’t really a “cure”- they’re merely a “cover-up,” just like sprays and creams.

If you’re seeking a cure, it’s important to understand that premature ejaculation is caused by a combination of deep mental as well as physical issues. As a result, a true premature ejaculation cure must directly address these mental and physical causes.

The most effective permanent cure doesn’t involve sprays, creams, or pills. It is a natural approach that consists of education and training to be able to withstand higher levels of stimulation without ejaculating. While this natural approach is not an immediate quick fix, most men do experience improvement within 24 to 72 hours. But more importantly, if you’re looking for a long-term cure, this type of natural education/training approach is the best way to permanently rid yourself of premature ejaculation.

About Author
Need a cure for premature ejaculation? FREE Video Reveals the #1 Secret to Lasting Longer in Bed! Go to ==> http://TheEnduranceReport.com

Fancy Nancy: Ooh La La! It’s Beauty Day

  • ISBN13: 9780061915253
  • Condition: New
  • Notes: BUY WITH CONFIDENCE, Over one million books sold! 98% Positive feedback. Compare our books, prices and service to the competition. 100% Satisfaction Guaranteed

Product Description
What better way to fancy Mom up for her birthday than to treat her to a super-deluxe beauty day created by Fancy Nancy herself? It’s a pampering paradise, and right in the backyard! With relaxing music, fragrant lotions, colorful nail polish, and foamy mousse, Nancy gives her mom a total makeover. She even treats her to sumptuous refreshments and special entertainment. But when the pampering suddenly goes too far, has Nancy ruined her mom’s big day? Complete with… More >>

Fancy Nancy: Ooh La La! It’s Beauty Day

Fancy Nancy: Ooh La La! It’s Beauty Day

  • ISBN13: 9780061915253
  • Condition: New
  • Notes: BUY WITH CONFIDENCE, Over one million books sold! 98% Positive feedback. Compare our books, prices and service to the competition. 100% Satisfaction Guaranteed

Product Description
What better way to fancy Mom up for her birthday than to treat her to a super-deluxe beauty day created by Fancy Nancy herself? It’s a pampering paradise, and right in the backyard! With relaxing music, fragrant lotions, colorful nail polish, and foamy mousse, Nancy gives her mom a total makeover. She even treats her to sumptuous refreshments and special entertainment. But when the pampering suddenly goes too far, has Nancy ruined her mom’s big day? Complete with… More >>

Fancy Nancy: Ooh La La! It’s Beauty Day

It’s Your Money! It’s Your Time!

With clearly understandable reasons, many people are afraid of buying glasses online. Some young people are afraid of how they would look in the new frames, and a lot of adults are still not used for any shopping online, especially when it comes to the health and eye care.

But it seems that with time, statistics are changing, and slowly more and more people learn to trust the right sites and dare to buy more products online. The reviews of costumers are more satisfied as they learn to believe in this system, which offer them better deals than any other store in the mall.

I think you can watch a great example on the following “News spot” which try to investigate this change.

http://www.thepittsburghchannel.com/video/21429934/index.html

I chose linking to this video since I believe that the best recommends comes from friends, family, or anyone who is a privet person and has no corporation incentives, and just comment from a privet experience. I believe it’s true to any product you thinking of buying, and it’s a new growing system of costumer safety that enabled thanks to the new open media.

In this specific case the TV show was just randomly choosing a subject of matter, and a person with eyeglasses to interview, and the companies mentioned had no idea that the article was even made. So it’s pretty objective and reliable, as I like my reviews to be.

Have any comments and tips on the matter? Please comment, and maybe help other feel different about shopping for eyeglasses online. So confused that her head with blow up from itself…



It’s Your Money! It’s Your Time!

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It’s Your Money! It’s Your Time!

Published by: Elinor Ayalon | Word Count: 267 | Comments: 0 | Article Views: 447


With clearly understandable reasons, many people are afraid of buying glasses online. Some young people are afraid of how they would look in the new frames, and a lot of adults are still not used for any shopping online, especially when it comes to the health and eye care.

But it seems that with time, statistics are changing, and slowly more and more people learn to trust the right sites and dare to buy more products online. The reviews of costumers are more satisfied as they learn to believe in this system, which offer them better deals than any other store in the mall.

I think you can watch a great example on the following “News spot” which try to investigate this change.

http://www.thepittsburghchannel.com/video/21429934/index.html

I chose linking to this video since I believe that the best recommends comes from friends, family, or anyone who is a privet person and has no corporation incentives, and just comment from a privet experience. I believe it’s true to any product you thinking of buying, and it’s a new growing system of costumer safety that enabled thanks to the new open media.

In this specific case the TV show was just randomly choosing a subject of matter, and a person with eyeglasses to interview, and the companies mentioned had no idea that the article was even made. So it’s pretty objective and reliable, as I like my reviews to be.

Have any comments and tips on the matter? Please comment, and maybe help other feel different about shopping for eyeglasses online. So confused that her head with blow up from itself…


Link It’s Your Money! It’s Your Time! to Your Website
http://www.sooperarticles.com/shopping-articles/s-your-money-s-your-time-21136.html

It’s Your Money! It’s Your Time! Article Keywords
Eyeglasses, Online Shopping, Eyebuydirect.com, Prescription Glasses, Health, Beauty, Fashion Glasses

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Elinor Ayalon has published 1 article. This article published on Nov 03rd 2009 07:17:14 PM

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It’s Your Money! It’s Your Time!

With clearly understandable reasons, many people are afraid of buying glasses online. Some young people are afraid of how they would look in the new frames, and a lot of adults are still not used for any shopping online, especially when it comes to the health and eye care.

But it seems that with time, statistics are changing, and slowly more and more people learn to trust the right sites and dare to buy more products online. The reviews of costumers are more satisfied as they learn to believe in this system, which offer them better deals than any other store in the mall.

I think you can watch a great example on the following “News spot” which try to investigate this change.

http://www.thepittsburghchannel.com/video/21429934/index.html

I chose linking to this video since I believe that the best recommends comes from friends, family, or anyone who is a privet person and has no corporation incentives, and just comment from a privet experience. I believe it’s true to any product you thinking of buying, and it’s a new growing system of costumer safety that enabled thanks to the new open media.

In this specific case the TV show was just randomly choosing a subject of matter, and a person with eyeglasses to interview, and the companies mentioned had no idea that the article was even made. So it’s pretty objective and reliable, as I like my reviews to be.

Have any comments and tips on the matter? Please comment, and maybe help other feel different about shopping for eyeglasses online. So confused that her head with blow up from itself…



It’s Your Money! It’s Your Time!

Article Categories
Subscribe to Latest Articles

Enter your email address:


Sooper Articles Mobile

It’s Your Money! It’s Your Time!

Published by: Elinor Ayalon | Word Count: 267 | Comments: 0 | Article Views: 446


With clearly understandable reasons, many people are afraid of buying glasses online. Some young people are afraid of how they would look in the new frames, and a lot of adults are still not used for any shopping online, especially when it comes to the health and eye care.

But it seems that with time, statistics are changing, and slowly more and more people learn to trust the right sites and dare to buy more products online. The reviews of costumers are more satisfied as they learn to believe in this system, which offer them better deals than any other store in the mall.

I think you can watch a great example on the following “News spot” which try to investigate this change.

http://www.thepittsburghchannel.com/video/21429934/index.html

I chose linking to this video since I believe that the best recommends comes from friends, family, or anyone who is a privet person and has no corporation incentives, and just comment from a privet experience. I believe it’s true to any product you thinking of buying, and it’s a new growing system of costumer safety that enabled thanks to the new open media.

In this specific case the TV show was just randomly choosing a subject of matter, and a person with eyeglasses to interview, and the companies mentioned had no idea that the article was even made. So it’s pretty objective and reliable, as I like my reviews to be.

Have any comments and tips on the matter? Please comment, and maybe help other feel different about shopping for eyeglasses online. So confused that her head with blow up from itself…


Link It’s Your Money! It’s Your Time! to Your Website
http://www.sooperarticles.com/shopping-articles/s-your-money-s-your-time-21136.html

It’s Your Money! It’s Your Time! Article Keywords
Eyeglasses, Online Shopping, Eyebuydirect.com, Prescription Glasses, Health, Beauty, Fashion Glasses

Rate this Article

  • Currently 0.00/5
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Elinor Ayalon has published 1 article. This article published on Nov 03rd 2009 07:17:14 PM

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It’s Your Money! It’s Your Time!

With clearly understandable reasons, many people are afraid of buying glasses online. Some young people are afraid of how they would look in the new frames, and a lot of adults are still not used for any shopping online, especially when it comes to the health and eye care.

But it seems that with time, statistics are changing, and slowly more and more people learn to trust the right sites and dare to buy more products online. The reviews of costumers are more satisfied as they learn to believe in this system, which offer them better deals than any other store in the mall.

I think you can watch a great example on the following “News spot” which try to investigate this change.

http://www.thepittsburghchannel.com/video/21429934/index.html

I chose linking to this video since I believe that the best recommends comes from friends, family, or anyone who is a privet person and has no corporation incentives, and just comment from a privet experience. I believe it’s true to any product you thinking of buying, and it’s a new growing system of costumer safety that enabled thanks to the new open media.

In this specific case the TV show was just randomly choosing a subject of matter, and a person with eyeglasses to interview, and the companies mentioned had no idea that the article was even made. So it’s pretty objective and reliable, as I like my reviews to be.

Have any comments and tips on the matter? Please comment, and maybe help other feel different about shopping for eyeglasses online. So confused that her head with blow up from itself…



It’s Your Money! It’s Your Time!

Article Categories
Subscribe to Latest Articles

Enter your email address:


Sooper Articles Mobile

It’s Your Money! It’s Your Time!

Published by: Elinor Ayalon | Word Count: 267 | Comments: 0 | Article Views: 426


With clearly understandable reasons, many people are afraid of buying glasses online. Some young people are afraid of how they would look in the new frames, and a lot of adults are still not used for any shopping online, especially when it comes to the health and eye care.

But it seems that with time, statistics are changing, and slowly more and more people learn to trust the right sites and dare to buy more products online. The reviews of costumers are more satisfied as they learn to believe in this system, which offer them better deals than any other store in the mall.

I think you can watch a great example on the following “News spot” which try to investigate this change.

http://www.thepittsburghchannel.com/video/21429934/index.html

I chose linking to this video since I believe that the best recommends comes from friends, family, or anyone who is a privet person and has no corporation incentives, and just comment from a privet experience. I believe it’s true to any product you thinking of buying, and it’s a new growing system of costumer safety that enabled thanks to the new open media.

In this specific case the TV show was just randomly choosing a subject of matter, and a person with eyeglasses to interview, and the companies mentioned had no idea that the article was even made. So it’s pretty objective and reliable, as I like my reviews to be.

Have any comments and tips on the matter? Please comment, and maybe help other feel different about shopping for eyeglasses online. So confused that her head with blow up from itself…


Link It’s Your Money! It’s Your Time! to Your Website
http://www.sooperarticles.com/shopping-articles/s-your-money-s-your-time-21136.html

It’s Your Money! It’s Your Time! Article Keywords
Eyeglasses, Online Shopping, Eyebuydirect.com, Prescription Glasses, Health, Beauty, Fashion Glasses

Rate this Article

  • Currently 0.00/5
  • 1
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  • 3
  • 4
  • 5

Not Rated Yet

Elinor Ayalon has published 1 article. This article published on Nov 03rd 2009 07:17:14 PM

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