LIST OF PRIVATE BANKERS: CONTACTS AND WEBSITES (HELPFUL INFO)

Private Bankers Helpful Information
(From the IQD Team)

Private Bankers: Contacts & Websites

Capital One Private Banking Group

The personal service you’ve earned.
With Capital One Private Banking Group, you’ll have a dedicated, experienced private banker who works hand-in-hand with your staff and our team of commercial banking specialists to create a customized solution that helps meet the financial objectives of your business. Our Private Banking Group will provide your company with the personal service that can help take your commercial banking – and business success – to a new level.

For more information, e-mail commercial@capitalonebank.com.

https://www.capitalone.com/bank/commercial/privatebanking/index.php


What is private banking?
Private banking is about much more than traditional banking services of deposits and loans. It’s about providing the personal one-to-one service that is essential after a certain level of wealth. It’s about finding creative solutions to complicated situations to help affluent individuals and their families manage their wealth today, and develop new sources of wealth for future generations.

From international tax and investment services to specialist advice for family offices, a private bank offers a comprehensive menu of sophisticated products and services that cater for the particular financial needs of a wealthy client.


Private banking with HSBC

At HSBC Private Bank, our approach is to take a complete view of your wealth. Your relationship manager will help you identify your wealth goals and develop personalised strategies to help you achieve them. We can help you:

Manage your wealth: Private banking is about building relationships. We believe in providing a service that is personal, and personalised. We begin by understanding your individual financial needs, and endeavour to find the best solutions to fit your inevitably unique situations

Develop and protect your wealth for the future: It is as important to manage your wealth today as it is to plan for tomorrow, and for the generations that follow you. With one of the largest trust businesses and a global network of investment services spanning six continents and all major markets, HSBC Private Bank strongly believes in securing the financial future of you and your family, and in finding new sources of wealth most appropriate to your needs and interests

Manage the impacts of wealth: Wealth can present unique lifestyle situations. Whether you are buying new homes, investing in art or even relocating overseas, a relationship with HSBC Private Bank opens up a range of specialist services to you and your family. Our teams of specialists offer expertise in areas including philanthropy, property investment, tax advisory and media.

Most importantly, we understand that your needs are different, as will be the solutions we offer. If you are looking for the services of a private bank, find out more about our services, or please contact us.

http://www.hsbcprivatebank.com/aboutus/what-is-private-banking.html




T D Bank Private Banking

For many of our clients, time is a precious asset. Dedicated to meeting the demands of business, and determined to enjoy the pleasures of family and friends, you look for all opportunities to make the most of every minute of every day. You look for a trusted advisor who can help you effectively manage your finances to free up more of your time.

Your financial goals and unique needs
If you need customized credit solutions or have other similar complex banking needs, then our higher level of service is for you. Your Private Banker plays a proactive role in helping you manage your finances, cultivate and preserve your assets, and transfer your wealth across generations. You’ll have the peace of mind of knowing that a skilled and knowledgeable professional is keeping a close eye on your financial well-being.

Your Private Banker will work with you to understand your unique personal, family, and business circumstances and bring together a team of experts within Private Client Services in the areas of banking, investment, trust and estate.

Comprehensive solutions
To implement your plan, Private Banking, through TD Bank, N.A. and its affiliates, offers a wide range of borrowing, investment and banking solutions that recognize that your business and personal finances are often interconnected, including:
Deposit services
Credit Management Services
Investment Services
Estate Planning Services

We can provide individually structured borrowing designed to manage and build your assets and enhance long-term liquidity and tax effectiveness. In addition, we can work with your lawyers, accountants and other advisors at your request.

http://www.tdbank.com/investments/private_client_services/private_banking.html


Citi Bank Private Banking

Combining World-Class Investing and Private Banking
We are one of the leading providers of investing, banking, lending and wealth advice to the world’s most successful individuals and families. We are an important
partner with technology and real estate entrepreneurs, law firms and attorneys, as well as the principals of venture-capital, private-equity and hedge-fund firms.
The leaders of industry, finance and culture come to us for the kind of comprehensive services they can only get from a truly global private bank with a broad base
of investing experience.

Exceptional Service
When a client joins us, he or she is assigned a Private Banker, who is dedicated to creating, managing and enhancing the client’s wealth. Each Private Banker is
supported by a robust team of specialists in a variety of disciplines:
Investing
Risk Management
Lending
Investment Banking
Trust
Philanthropy
Art
and more.

But at all times, each Private Banker acts as the client’s point of access to the vast resources of Citi—and what they can make possible. To see if we can
help you, find a Private Banker near you.

https://www.privatebank.citibank.com/our_firm.htm



J P Morgan Bank

More than 160 years helping the world’s wealthiest individuals and their families grow, manage and sustain their wealth
Manage more than $600 billion in client assets
Serve clients from 64 offices globally; employ 5,610 people worldwide
Our Approach

Seek to deliver positive risk-adjusted returns appropriate to our clients’ financial goals and risk tolerances
Provide an exceptional breadth and depth of wealth management solutions including investing, wealth structuring, capital advisory, philanthropy and banking
Leverage both J.P. Morgan-affiliated managers and third-party managers who are subject to rigorous ongoing due diligence
Communicate closely and regularly with clients to keep them constantly informed about the changing landscape
Compensate our advisors based on our clients’ performance; no one is paid on commission

http://www.jpmorgan.com/pages/jpmorgan/private_banking/tampa?gclid=CLq3mMqGtqgCFQbe4AodEirYCA




Wells Fargo Bank

Wealth Planning
At Wells Fargo Private Bank, our holistic approach to wealth planning starts with your relationship manager. You and your relationship manager will draw support from a team of highly experienced specialists.
Key elements of wealth planning at The Private Bank

Our wealth planning process focuses on developing a clear picture of your unique needs and goals, and leads to a personalized action plan that aligns solutions with those goals.

The wealth planning process begins with a core planning review that enables us to:

Identify your key goals and objectives, and the wealth management issues most important to you
Gather the information necessary to develop a net worth statement
Understand your tolerance for investment risk
Review your basic estate documents, including wills, powers of attorney, living trusts and beneficiary designations
Your dedicated wealth planning team

From this foundational understanding, your relationship manager will coordinate a team of local specialists tailored to your unique needs and goals.

For clients with comprehensive or complex wealth planning needs, we can provide consultation on various components of your wealth plan, including:

Retirement and cash flow planning
Company benefits and equity compensation analysis
Risk analysis and insurance planning
Investment planning and asset allocation
Education funding analysis
Estate services and gift planning
Charitable planning
Corporate executive planning services
Business advisory services

Our highly experienced professionals also provide specialized wealth planning services to clients who own a closely held business, or hold a senior executive position at a Fortune 1000 firm.

The wealth planning process often identifies several options for you to consider. Your relationship manager and planning specialist can help you decide which of the solutions and strategies are most appropriate for you. Then, your relationship manager will mobilize The Private Bank’s full resources to put your plan into action.

https://www.wellsfargo.com/theprivatebank/




Charter One Private Bank & Trust

We locally deliver thoughtful, comprehensive

Wealth Management Services through experienced professionals – one client at a time.

Receive the around-the-clock personal attention you deserve from your dedicated private client team.

We know you’re busy. We know your daily demands. We understand that there are only 24-hours in a day to achieve the things you need to do – and that your personal banking and investments needs are more complex.

Charter One Private Bank & Trust can help.

If you’re an individual or institution with $1.5 million investable assets or more, we are committed to providing you the very best service we have to offer.

Your dedicated Client Advisor will handle all of your unique banking and investment needs. We’ll also meet with you regularly to ensure that your current strategy meets your objectives while updating and adjusting your plan as needed.

No matter where you are — China, Brazil, Paris or your own backyard–we can deliver 24/7, one-on-one private wealth management solutions for you including:

Banking Services

You can benefit from highly personalized banking products featuring our best relationship rates. As a Private Bank and Trust customer, you will also have access to exclusive debit cards and checks and receive expedited processing on loans, mortgages and credit card requests.

Investment Management Services

When it comes to investing, we understand that you have unique priorities, needs and risk tolerance. Whether it’s setting up a loan or managing your portfolio, our wealth management services are tailored to you, and your goals.

Estate Planning

You’ve worked hard over your lifetime. You’ve successfully grown your wealth. It’s no surprise that you want to make sure your wealth gets to the right people or organizations. Estate Planning can help you ensure that your plans will be fulfilled through Wills, Tax Planning, Power of Attorney and more.

Personal Trusts

There may come a time when you may have to assign someone else to manage and protect your assets; and safeguard your financial privacy. A trust is the perfect instrument to delegate this responsibility.

Charitable Planning

You’ve reaped the rewards of your hard work, and now you want to give back. We can help you explore many ways to donate to the causes that are important to you through charitable contributions, permanent legacies and foundations.

For more than 100 years, we’ve helped our clients preserve and grow wealth. As your trusted partner we will leverage our global resources to deliver local, sophisticated wealth management solutions to help you achieve your future dreams.

Ready to get started?

Learn more about our personalized wealth management services and how a Client Advisor from Charter One can handle all of your short and long-term banking and investing goals.

Call 1-888-411-8711

You can also visit a local branch, or we’ll contact you when you fill out the following quick and easy form:

Call 1-888-411-8711

Speak to a Client Advisor

http://www.charterone.com/personal-investing/private-banking.aspx


LINK

The IQD Team
www.theiqdteam.com



Private Banking: Articles of Interest
(From The IQD Team)

Bespoke banking: making the most of private banking

Lesley Parker
April 20, 2011

Emma Isaacs began using private banking services at about the time she sold her first business. Photo: Louise Kennerley

It’s said you need $50 million just to say hello to a private banker in Geneva or New York but Australia’s much younger private-banking services are rolling out the red carpet for customers with much less cash.

Here, if you have at least $1 million in “footings” – assets not including the family home that you can invest or borrow against – the big domestic banks and some of the specialist operators among the investment banks will be happy to at least have a chat about what they can do for you.

Private banking – where a dedicated banker caters to your financial and investment needs – is “an attractive and growing” market, says Jane Watts, who in December left Macquarie Bank to become the general manager of Westpac Private Bank.

As of 2010, there were 207,500 high-net-wealth individuals – defined as people with more than $1 million in investable assets – in Australia and the number has been growing at 8.5 per cent year-on-year since 2003, Watts says.

Money did the sums and in 2011 that would translate into a new millionaire every half hour.

That’s partly the result of the wave of postwar baby boomers reaching the stage of life – global financial crises permitting – where they’ve accumulated a lifetime’s wealth. They may be cashed up from selling a business ahead of retiring or they may have profited over the years from lofty property prices.

Of course, you don’t have to be a baby boomer to be “privately banked”, as it is termed.

Younger people are making money too, as small-business entrepreneurs, well-paid executives or as they start to inherit wealth.

There’s also a lot of new money in places such as Western Australia and Queensland, where the commodities boom has created millionaires (and a few billionaires, too).

WHAT IS PRIVATE BANKING?
There’s a bit of a debate about how you define private banking and in some ways that’s because private banking is supposed to be tailored to the individual. What it is depends on how much you have and what you want to do with it.

You won’t find a published list of specific services, products or discounts. Instead, private bankers talk about providing “bespoke”, “holistic” and “integrated” services.

In New York that can extend to walking the dog for an ultra-wealthy client, though that sort of “concierge” service isn’t common here.

In Australia, international operators such as Credit Suisse focus on wealth management, tapping into a history of private banking as a service for the leading families of Europe that goes back generations.

For the big four banks, comparatively recent entrants, it’s more about combining their banking capabilities with more-recent expertise in wealth management, wrapping that up with platinum-level personal service.

You might get preferred access to investment opportunities such as share floats or bond issues, help with insurance and estate planning, access to superannuation specialists and general financial advice. You might want fast loan approvals.

You’ll have a central point of contact – most likely with a “relationship manager” – plus a team of people around them that includes a financial adviser. In theory, your manager will always be available.

Adrian Hondros, the executive general manager of Commonwealth Private (which looks for $2.5 million in footings and an annual income of $250,000) says private banking is about three things: service, advice and opportunities.
It’s deeper and broader than the service you’ll receive from a lone financial planner and your relationship manager won’t be dealing with hundreds of customers as a bank branch manager might.

That said, a principal in PricewaterhouseCoopers’ wealth-management practice, Anthony James, says a number of financial planners in Australia offer similarly sophisticated services, dealing with only a small clientele of high-net-worth individuals. “They can’t be forgotten,” he says.

WHAT DOES IT COST?
Having come with at least $1 million in investable assets – perhaps $2 million, $10 million or even $50 million if you’ve knocked on the door of a “boutique” operator – you’re already a pretty lucrative client, so you may or may not have to pay a separate fee for the privilege of having a private banker.

Commonwealth Private and Westpac Private Bank ($1 million minimum and $400,000 in earnings) don’t charge a specific private-banking fee, for instance, while ANZ Private Bank ($1 million threshold) levies $1200 a year and NAB Private Wealth (also $1 million) $750.

But the comparison isn’t a straightforward one, as you will still need to consider the other fees that will be charged.

You’ll pay for financial advice, just as you would elsewhere, for instance.
The private banks of the big four charge a straight fee, while other operators extract a percentage of the funds you have under management.

If you have $5 million under management, a 1 percentage point cut comes to $50,000 a year.

Bear in mind that the banks levying a specific fee may waive other charges. ANZ’s private-banking fee, for instance, covers credit card and account fees and access to online broker E*Trade.

Ultimately, it’s not about discounts – if you have enough money you’ll get those anyway, inside or outside a private bank – but about the level of service.

A sceptic might wonder whether private-banking services are just another way to extract fees by pushing products and services but Watts says high-net-worth individuals are pretty savvy and “they wouldn’t tolerate product flogging”.

WHO DOES IT SUIT?
Having $1 million burning a hole in your pocket doesn’t automatically mean private banking is for you.

The managing director of ANZ Private Bank, Catherine McDowell, refers to private bankers as being ”servants” to people with complicated lives and complex financial needs. At ANZ, if you don’t want such a close or deep relationship, there’s a separate service for affluent clients – outside the private bank – that focuses more on the transaction side of banking.

The people it does suit are those who don’t have the confidence or expertise to manage their money on their own and those who may be financially capable but ”time-poor” – medical specialists are a big segment, for instance.

Some people may have complicated needs, such as how to divide their business wealth when the time comes to pass it on, or set up a philanthropic trust.

A principal analyst with the banking industry researcher East & Partners, Paul Dowling, says the value you’ll get out of private banking depends on whether you’re ultra-high-net-worth or just plain wealthy, as well as on how ”active” you are: ”The more transactions you’re involved with, the richer you are to the bank.”
At $1 million in assets you may be getting only a ”veneer” of private banking, he says.

THE RIGHT MATCH
Private banking is such a personal relationship that industry observers say shopping around isn’t so much about price – everything’s negotiable in the world of private banking – but about finding the right match.

Alan Shields of the Private Banking Council suggests sitting down with the person who may become your relationship manager to see if your ideas and personalities click.

The executive general manager of NAB Private Wealth, Angela Mentis, says a lot of work goes into matching the sophistication and needs of a potential client with the skills and ”emotional intelligence” of the prospective relationship manager.
”That first meeting is very important,” she says.

Awards and customer-satisfaction surveys may also provide clues. In Euromoney’s Private Banking Survey for 2011, Credit Suisse was named best private banking service in Australia overall, followed by Commonwealth and NAB, then Westpac and Macquarie. Commonwealth Private took many subsidiary awards. Credit Suisse was also the worldwide winner.

In the 2011 Private Banking Council awards, Commonwealth Private won the $1 million to $10 million client category, ANZ Private the $10 million to $30 million category and Macquarie the $30 million-plus category.

The principal of researcher CoreData, Andrew Inwood, says the customers of Westpac and Commonwealth Private are the most satisfied in its surveys but even then they only score 6 out of 10. ”No one’s ripping it up,” he says.

Hey, big spenders
It’s said that investor sentiment among the rich is a “lead indicator” – where they go now others will follow in six months’ time. So where are Australia’s wealthiest people putting their money?

Well, until late last year, they still had a big wad of it in cash after heading for safety during the global financial crisis. One survey of high-net-worth individuals (HNWIs) found that, as of last year, half still thought cash the best place to be, up from just 12 per cent before the global financial crisis.

However, researchers are saying that they are seeing signs that HNWIs are prepared to head back into the sharemarket.

CoreData says its Investor Sentiment survey for the March quarter found that, overall, respondents expected the economy to slow in the June quarter and business conditions to deteriorate.

HNWIs in the survey, though, predicted the opposite. “Could the tides finally be turning?” the researcher asks.

Investment Trends has also seen a move back to shares. Its survey late last year of 2000 wealthy individuals found that during the course of 2010, the proportion of assets held in residential investment property shrank from 25 per cent to 21 per cent, with that move mirrored by a rise in direct share investments from 28 per cent to 32 per cent.

When asked about their ideal asset allocation, high-net-wealth investors said on average that 40 per cent of their wealth should be in direct shares, says the chief operating officer of Investment Trends, Tim Cobb. “We tend to think wealthier investors are more savvy,” he says. ”The big question is whether their decision to switch from property will be followed by mum-and-dad investors.”

Hands-on help with property portfolios
It was about the time she sold her first business that Emma Isaacs (pictured) started using private banking services.

”I was looking for a much more hands-on and close relationship with a banker,” says Isaacs, now chief executive of Business Chicks, a national membership network for women in business.

”It was very much about personal investment services. I have a reasonable-size property portfolio. I like to move very quickly and my banker needs to move quickly to have deals approved. It’s been really good to have someone right there for you. They look after both your business and personal needs, everything from mortgages through to credit cards, high-interest accounts and lines of credit.”
But it hasn’t been all plain sailing. Isaacs says her first private banking relationship wasn’t entirely successful as it didn’t deliver on promised networking opportunities, nor did she experience the level of service where, say, a loan could be approved on a Saturday night. That was despite her first bank charging an annual fee for private banking.

Her current bank doesn’t charge a service fee and Isaacs has found it more interested in her investment goals and her business.

She feels her first experience was a result of just not getting the right person. ”If you feel like you’re only one of 2000 clients, then you may as well just go to the local branch and form a relationship with the manager there,” she says.

Is private banking just another chance to push bank products?
Isaacs says her bankers have suggested things over the years ”but they haven’t been pushed by any measure – they’ll certainly bring them up but I know it’s up to me”.

High-flyer relies on private banker
An author and speaker on business etiquette, Patsy Rowe (pictured), says she’s happy to concentrate on what she does best and leave the finances to her private banker.

“I’m time-poor; I work six days a week, usually,” says Rowe, whose speaking commitments take her around Australia and overseas.

“They’ve been able to project-manage my finances on my behalf. They’ve taken the burden off my shoulders so I can concentrate on doing the things I like doing and the things I’m good at.”

Rowe says her private banker and financial planner will drive an hour from their office in Brisbane to her home in Sanctuary Cove to discuss her affairs. Banker Elizabeth Fox, of Westpac Private Bank, also accompanies Rowe to investment seminars, whether they’re hosted by Westpac or not.

In addition, the bank has provided introductions to other clients who might want a speaker on business etiquette. “That’s gold,” Rowe says of the networking.
“I can’t overemphasise the depth of the relationship. They want an enduring relationship with you. They’re not in it for the quick sell of a product.”

Key points
You’ll need at least $1 million in assets outside the family home to access private banking.
Private banking provides close-contact, personalised banking and wealth management.
It’s not necessarily about discounts; if you have enough money, you get those anyway.
It suits people who need their hand held or who are time-poor.
It’s said that those who are less wealthy may only be getting a ”veneer” of private banking.

http://www.smh.com.au/money/investing/bespoke-banking-making-the-most-of-private-banking-20110419-1dlz8.html#ixzz1KTfEBbd4




* New super rich need private and investment banking

* Private banking becoming more elite

* Growing trend of investment bankers moving to wealth

By Chris Vellacott Wed Apr 20, 2011 9:36am EDT

LONDON, April 20 (Reuters) – Banks are sending some of their best talent to work in private banking as clients get richer and demand more, siphoning off recruits from a traditionally higher paying and racy career in capital markets.

Many banks reporting first-quarter earnings in coming weeks are prioritising expansion in wealth management because its stable deposit base offsets more volatile business lines like trading or investment banking.

But banks are also eyeing an emerging client group, namely the international oligarchy of families that have amassed vast wealth through control of global companies.

While these clients will want personal services for the super rich like premium credit cards or mortgages on superyachts, as owners of huge business empires they are also heavy users of investment banking.

Where once private banking was seen as a genteel arm of the industry, dealing in inherited wealth, it now needs higher calibre staff with investment banking expertise, bankers say.

“One of the results of the boom in emerging markets and commodities has been a huge rise in the number of owner-occupied firms that have become global businesses,” Des Byrne, managing director at Barclays Wealth’s (BARC.L) UK and Ireland arm, said.

“That’s given rise to this “ultra” need that many of the banks are targeting … — the application of investment banking style products and services to individuals, to human beings as opposed to the board or management teams of companies,” he said.

Prominent examples of people associated with dominant global companies include Mexican telecoms billionaire Carlos Slim, steel tycoon Lakshmi Mittal or Russian magnates like Oleg Deripaska.

Reflecting this blend of private and corporate banking, British bank Coutts has set up a division aimed at turning corporate shipping clients of its parent Royal Bank of Scotland (RBS.L), many of which are owned by Greek families, into private bank customers. [IDLDE6B50NW]

Citi’s (C.N) private banking arm reshaped itself after the financial crisis to sit within the group’s institutional business, focusing on clients rich enough to own big companies needing regular access to global capital markets.

Recruiters and bankers say the entry requirements for private banking are far higher than they were a decade ago.

And a once unimaginable phenomenon — investment bankers opting to become private bankers — is gathering pace.

The top ranks of many international private banks are already well populated by people who cut their teeth in investment banking.

Byrne joined Barclays’ private banking arm in 2008 from Barclays Capital. His boss Thomas Kalaris, chief executive of Barclays Wealth also came from an investment banking background.

Other notable examples include Rory Tapner, head of RBS’s wealth management arm and a one time joint global head of investment banking at UBS (UBSN.VX).

Stephen Russell, chief of staff at UBS’s wealth management arm in the UK, says the few private banking jobs on offer in his business are routinely inundated with applicants.

“In the context of this year, we’ve made eight hires and interviewed about 140 people … The challenge for us is getting a fit with what we and our clients expect from people and what exists in the market,” he said.

Investment banking remains potentially more lucrative, paying up to 40 percent more in total compensation according to Sophie De Ferranti, head of private wealth management at ValensGoldberg, a headhunter based in London.

But private banking pay is less volatile, Byrne says, and attracts many former capital markets staff looking for an escape from the increasingly technical and narrowly focused word of investment banking.

“It’s not an easy option, It’s a different lifestyle,” he said.

(Editing by Sinead Cruise and Mark Potter)

(For the Funds Hub blog: blogs.reuters.com/hedgehub) (For Global Investing: here)

http://www.reuters.com/article/2011/04/20/private-banks-idUSLDE7330VQ20110420

LINK


Private Bankers: Questions to Ask

Below are questions that may be helpful as a starting point when interviewing
potential professionals whose services you may wish to engage such as Private Bankers,
general legal counsel, tax attorneys, CPA’s, investment bankers, financial planners, or
any expert whose advice upon which you would ever base important decisions.

1. How long have you been in practice?
2. Is this what you do exclusively?
3. Ask for client references. (They may not feel comfortable to give individual
names as references, but more often will provide companies for which they
perform services)
4. Let them know an approximate range of wealth for which you are getting their
advice, and ask if that is a range with which they are either experienced or is that
the range of their typical client?
5. Ask if you followed their advice and if there would be a regulatory, tax, or
legal problem, would they be there for you during the audits, meetings, or
legal proceedings until the situation is resolved?
6. Ask if their services/work or they themselves are insured, guaranteed, or
bonded, and up to what limits?
7. Ask if they have had personal experience defending or arbitrating for clients
in the field they are in
8. In those situations did they prevail, or were they able to successfully
represent or defend their clients?
9. Ask for their education, certificates, licenses, and/or certifications they
have achieved or have earned.
10. Ask them for any professional memberships or associations in which they may
be a member in good standing.
11. Ask them if they offer any incentives, perks, etc for their clients.
Also, please make sure you check out their standing with state bar associations
or licensing bureaus. Check out the FINANCIAL tab at www.theiqdteam.com for
additional information on checking the background of professionals.

So glad you posted this for all of you to use....

I was just going to post it....

Thanks and enjoy...
The IQD Team

Interesting when I went to WF The Private Bank said sign on :( when I did it put me back on Reg Bank page & would not let me go onto Private Bank lol
:study: I will personally see to it Soon; Hopiam ie I Hope Soon lol :bball: :flower:
[[color=darkred]b][i] Jesus Takes Great Delight in You and So Do We!!! [color]
[(i)][color=indigo]signed Blessed & Highly Favored
[color=indigo] :flower: :flower: :flower:

Thanks for the superb post, dinardiva

dinarling77 wrote:Thanks for the superb post, dinardiva

remember to copy this and print because might as well be prepared ..I have already got 2-3 banks on my mind.

Blessings to everyone in our world as we want to bless each and every one of us and the living creatures in it.