Renting and Buying A House - Same Qualifying Process?

When buying and qualifying for a home mortgage, a simple 28%-36% rules are often used to determine the risks of loan applicants.  Does this 28%, 36% rules apply to renters?

28% Rule  - Front End 

The housing expense (mortgage, tax and insurance) should be less than 28% of gross income.   The funny thing is - the repairs is not part of this equation.  I found it costs about $1500 to $2000 a year to keep the house in good shape.  Don't forget the roof repairs, appliances break down, and the paint job etc.

Form the renter perspective, there is no property tax, no serious repairs and reduced insurance premium - does it mean you can get "more" as a renter?

36% Rule - Back End

The total housing expense and minimal debt payments should be less than 36% of the gross income. The funny things is - the calculation is based on "minimal debt payments".  If one continues to make minimal payments while pile on more revolving and other forms of debts, then 36% back end can easily become 40% or higher.

NEW 28%-36% Rule 

These 28%-36% rules lead me to  believe that "saving plan" is not part of the qualifying.  One should leave a few percentage for charitable/tithe or saving for 401K or retirement plan. To address the potential home repair costs, and increase of adjustable interest rates - I suggest a 28% rules for everything, because most of young families are loaded with car loans, student loans already.  Having children in the near future, the debt burden or other financial obligations can easily reached over 36% threashold.

Example:

80,000 yearly gross income @ 28% = 1866 per month for housing and debt obligation

1866 - 250 = car payment #1

1716 - 250 = car payment #2

1466 - 400 = student loans (a wild guess)

1066 = mortgage, insurance and prop tax

Assuming 30 years, 5% interest rate, 20% down, $960 of home owner insurance, property tax rate of 2.7% and assessed value is same as purchase price.  Then,

This applicant(s) qualifies for a home mortgage of $120,000 - home value of $150,000.  Interestingly, the debt obligations in this example -  $900 is about  13% of income. Um..  May be it's best to payoff student loans, or reducing transportation expenses before buying that house!

pictures: 2010 Poland Krakow

plugs: 782sa.blogspot.com

Tenacious & James 1-2

Online Dictionary

Tenacious =  Not easily dispelled or discouraged; persisting in existence or in a course of action.

Book of James 1

Chapter 1., Verses 

2 Consider it pure joy, my brothers, whenever you face trials of many kinds, 

3 because you know that the testing of your faith develops perseverance.

4 Perseverance must finish its work so that you may be mature and complete, not lacking anything. 

So, how can someone possess the quality of "tenacious"? Faith?

photos: 2010 Poland Gdnask

plugin: 782sa.blogspot.com

Where Do I Go with Old Paint?

Well, the cans of paint saved by my contractor are taking up valuable shelf space.  Are these 10-12 years paint still good?  Are they at least good enough for "color matching"?  The answer to both questions are NO and NO.

So where can I drop them off for recycling?  The city government only collect hazardous material (paint, chemicals) once a year, where do I go to drop off old paint and stay green? 

Location #1 (near by the famous brush recycling center)  - 4 days in a year

                  Located at 1800 E Bitters Rd. and open on:

                  March 6, April 3, May 1 and June 5

                  From 8:00 a.m. until 3:00 p.m. 

Location #2 (the permanent site) two days per week (except certain holidays).


                  Located at 7030 Culebra and open on:

                  Fridays from 7:00 a.m. until 4:00 p.m.

                  Saturday from 8:00 a.m. until 3:00 p.m.

ttp://www.sanantonio.gov/SWMD/EMD/HHW_SeasonalDropOff.asp

It feels like scheduling appointments with dentists. Errr!!!

photos:  2010 Krakow Poland

plug-ins: http://782sa.blogspot.com/

Stocking My Pantry (A Working Progress)

This is my list of "stuff" I think I will use regularly

Oils
    Extra virgin olive oil
    Regular olive oil (low calories)
    Vegetable oil
    Butter

Flavoring ,Wet (Liquid)
    Balsamic vinegars
    apple cider
    Soy sauce

Flavoring, Dry
    Kosher salt
    Sea Salt
    Garlic Salt
    Black peppercorns
    Paprika
    Dried Onions
    Sugar, brown (honey)

Flavoring, Fresh
    Garlics, fresh
    Lemons
    Ginger (??))

Grains
    Wild rice
    Texas long grain rice
    Spaghetti

Vegetable -long shelf life
    Onions
    Bell pepper
    Cauliflower

CAN STUFF
   Tomatoes
   Calms
   chicken chunks
   Corns
   Green Beans

REFRIGERATED - LONG SHELF LIFE
   Onions, yellow or white or red
   Bell pepper   Cauliflower
   Carrots
   Eggs

 Oak Finish Home or Office Storage Cabinet Organizer - Great as a Kitchen F...

Major Tractor Engines on US Highways

BALANCED- Detroit Series 60
It is one of the most common on the road. The D60 is a fairly reliable engine known for its throttle response, clean emissions, flexible torque and high-RPM horsepower. Fuel economy is not the greatest on the road, but the engine's other virtues make it a popular choice for large fleets and owner-operators alike.

TORQUE - CAT Diesel
CAT's popular N-Series motors are expensive, heavy and lack the high-RPM power of some others, but carry on the company's industrial legacy by providing massive low-RPM torque and tank-like reliability. These engines are preferred for those driving in mountainous regions, where steep grades and heavy loads necessitate an engine with this kind of grunt. For heavy hauling in extreme conditions, many owners agree that there simply are no substitutes for a CAT.

FUEL EFFICIENCY - Volvo

Volvo family of engines sacrifice all power and torque in the name of fuel economy. While emissions, reliability and fuel economy are excellent, this engine is best suited for light-duty applications (like buses and cargo trucks) in fairly flat areas where torque is not required.

CHEAP AND COMPROMISED - Cummins
# If ever there were such a thing as a "corporate engine," then the Cummins is it. Cheap to buy and very long-lived when properly maintained, the Cummins offers good fuel economy at the expense of some power.





pictures: 2010 Poland Krakow

plugs: 782sa.blogspot.com

plugs: rts2go.blogspot.com
source: My notes from reading www.ehow.com

15 Flash Lights (6-LED unit) and Heavy Duty Batteries Included

I went pass the aisle display for "special" items.  There was a 15-flash light pack for less than $12, after tax.  I passed the offer, because it listed the power output as a 18 lumens.  How much power does it give out over a distance?  LED works well in close distance, but it performs poorly in the outdoor.

The last LED I bought was a TechLite from Costco.  It costs $20 for two, and now it sells for $18 for 3.  The TechLite puts out 160 lumens - according the specification.  It will take 8 of the "special" to give out the same lumens. Errr..


For $12 dollars?? I decided to give that a try..

I taped 3 of the units together to form a "18 LED" flash light.  It takes 9 AAA battery, instead of just 3 AAA on the TechLite.  I don't know whether the "special LED" unit will last longer than the TechLite, but I think it should.  LED based flash light has very high degree of efficiency - the power is mostly converted into light. If the 3 units put out as much light as 1 unit, then the overall power consumption should be the same right??

 By taping the 3 units as one, the LED provides a brighter, evenly distributed light, similar to the Krypton flash light - except at a different color temperature.










photos:  2010 Poland Krakow
plugs: 782sa.blogspot.com
plugs: rts2go.blogspot.com

5-Year-Old Class 8 Tractor - for $25,000

Having a Class A Commercial Drivers License in hand - I want to get behind the wheel of a 18-wheelers (tractor only) without taking a job.

Shocker #1 - a new truck runs $150,000 - That's a lot of money - It's like paying off a single family - starter home in 5 years.

Shocker #2 - a used trucks runs at fraction of new one - considering the expected longevity of a million-miles truck.

 Many of the 5-6 year old used tractors (with 400,000 to 600,000) runs between $22,000 to $28,000.  I wonder why these vehicles depreciate so quickly.  Will I be better off with an older trucks?

from  $25,000 - base truck
  add  $ 8,000 - transmission overhaul
  add  $10,000 - engine overhaul
  add  $ 4,000  - replacement tires
  add  $ 5,000  - other systems
===================
   Est $53,000  - as if new truck

There are many "integrators" - tractors manufactures, but the engine/transmission combination is total out of this world.  I don't know how can a brand of truck can be price cheaper than the others with the same guts.

Eat Pray and Love

i

Person of the Week - ABC News was Elizabeth Gilbert.

She wrote the book Eat Pray and Love and her book story is turning into a movie.

What an interesting book title.. Isn't that so true, that's what we need to survive too - in that same sequence?

Photos:   Frankfurt, Germany - Cafe along the river bank

Plug-in:   http://782sa.blogspot.com   - SA Living Guide

Mirror, Mirror

The bathroom had a large piece of mirror.  It was nothing special, except it's big. There no bevels, no frames, it was held by two J-clips and u-clips on the bottom.

After the bathroom remodeling, the replaced vanity cabinet was couple inches taller than the old one, causing the mirror not to fit between the back splash and vanity light bar.

I was given two options to have the mirror re-sized.

Bring it in to the glass shop =  $25 cut
Having send one out to the house to cut the mirror and re-install the mirror = $152.

Taking-in the mirror for $25 sounds like a logical choice but it's likely that I have many chances to break the 4 ft by 5 ft mirror.  The cost of the mirror runs over $150.00

What did I do?  I bought two framed beveled mirrors for $150 total. They covered up the same foot print - actually - it looked nice.

I gave the old simple mirror to charity for "tax write-off"..

photos:  Frankfurt Germany - Saturday Wedding
plug-in: http://782sa.blogspot.com/

305/80R22.5 Tires; Bus Bought and Sold

January 2011 - Bus was sold
^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^

I sold the bus without actually putting any miles it.

I won the bid for a bus that appear to be in good condition. I know what to expect for a bus from the north (rust), the possible mechanical conditions problems (bad tires, no A/C, engine may be require some serious service), so buying without seeing wasn't too much as risk.

After delay and delay (schedule, no license, holiday conflict etc), after 1 year and 3 month I went north to pickup the bus.  The bus had been parked in the same spot for two years, same diesel fuel - not sure it is still good or not, 2 8D battery packs were dead, and re-charged and it wasn't working either.  I hired a truck service to jump start the bus, sort of get it running. Not realizing it has been sucking juice from the service truck, we couldn't get it to run after put in back to right configuration.

Good news - excellent AC, it ran. Engine didn't smoke at all, one would except loose ring everywhere in that DD 6V92 turbo, all air bags hold up, windows were free of frost; and it has low miles 420,000.
Bad news - didn't move the bus to test transmission, tires were badly needed for replacement, door controls wasn't working right, the air compressor were a bit slow to build up pressure (7-8 minutes to build up to 90 psi).

After considering what were the unknown, the expect expenses (tune up, fuel costs, tires) -that calls for a budget of $4500 plus unknown just to bring the bus down to Texas.

Around Christmas, someone wanted to buy my bus, so I left him have it.  It's just too much work/money to make the bus run properly.



Bus Tire - August 2010
^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^
I phoned many freeway/ road side commercial truck service stops like Pilot, Flying J, Petro, looking for my transit bus tires.To my surprise, that (1) - They don't know much about the metric tires, (2) they only carry inventory for the 11R, or truck/trailer tires.  The bus tires or 12R tires are special order items. The lead time varies from 3 days to 10 days.

Well, where do I go for the RV/Bus tires then?

photos: 2010 Germany Berlin
plugs: 782sa.blogspot.com

Update:  2010.08.12
Well, there is no such thing as 305/80R22.5

There is 305/85R22.5
and 315/80R22.5 Tires

I was shooting for tires that don't exist ! Err

Update: 2010.08.18
Suitable Highway Tires (from Michelin)
XZA1   315/80R22.5  75mph, 42.5 dia, 489 rpm
XZA2   315/80R22.5  75mph, 42.3 dia 492 rpm
XZU S  305/85R22.5  65 mph, 42.9 dia 486 rpm



June 2009 - I did it - bought  a bus
^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^

I did it.

I wanted to buy a bus to be used as conversion for sometime now. After 12 years, I jumped into action and purchased a bus over the Internet.

5-6 years ago, I went online and started bidding on bus auctions. But I was not daring to put up high bids to "make sure" I could win the auctions.

I bid low - on buses in bad condition; I didn't get it.
I bid higher than I was planned on buses with highway gearing; I didn't get it.
I watched good buses auctioned off for reasonable prices; I wasn't in the mood to do it.
I saw the RV piled up in the dealers lots, RV workers lost jobs when the gas price hit over $4.00 a gallon; I thought the RV was too expensive for average Joe's.

Now, I am getting older now and a bit more disciplined, or I am better at managing expectations. I always though having a bus and working on the bus will make me happy; as others have enjoyed theirs.

I read many failed conversions, unfinished projects - it also made me feel unease about getting into this bus conversion project. I admire the bus owners for their passions, envy of their skills and have sympathy toward their financial challenges in funding conversions.

After 12 years of on the sideline, and endless of on-and-off “dreaming & planning”, I bought a 40-ft RTS bus on eBay over the Memorial Day weekend.

I am thankful for those had shared their experiences with their conversions - I think I am (bus) wiser now on my own endeavor. May my 12-year conversion project be enjoyable and many others have with theirs.

WORLD worst zoos by By News Desk

It's not a fair report/ranking.  San Antonio Zoo was ranked one of the top 10 the WORLD worst zoos by By News Desk — GlobalPost Editors.  It took the honor for the worst zoo in America.

The zoo was sited for not having adequate space for an elephant, but squeezing in one more companion elephant into the same existing limited space made it the "worst".

Give me a break.

Is the space is only thing elephant need?  Elephant is a social animal - having a companion is more important than giving it "more space". Have you visited the zoo? It's not caged in where she can only stand and turn around like raising chicken in a commercial farm!.

Who's News Desk anyway!

San Antonio Zoo Rating

It's not a fair report/ranking.  San Antonio Zoo was ranked one of the top 10 the WORLD worst zoos by By News Desk — GlobalPost Editors.  It took the honor for the worst zoo in America.

The zoo was sited for not having adequate space for an elephant, but squeezing in one more companion elephant into the same existing limited space made it the "worst". 

Give me a break.  

Is the space is only thing elephant need?  Elephant is a social animal - having a companion is more important than giving it "more space". Have you visited the zoo? It's not caged in where she can only stand and turn around like raising chicken in a commercial farm!.

Who's News Desk anyway!

Shopping for Tiles, Bath-Flooring-Kitchen

I tried out my first bath remodeling last month.  I was all excited about the tile works.  Tiles need to cover  all the flooring and tub surround, was only $200. Why people don't upgrade their bath more?

When it comes to make it a stand out, the cost of tiles are starting to add up.  A bull-nose 2x4" tile cost more than the 18x18 tiles. ($3.50 versus $2.00).  A 4x4 tile costs 22 cents, where as the same tile with a rounded side/nose costs 96 cents. A 4x4 mosaic tile $5.12, 6x6 mosaic tile $7.50.

Is the labor worth it to cut down your own 4x4 tiles? How much is that wear on the tile cutter blade? The tile guy suggested to forget the bull-nose pieces, and just stick with square edge tiles, and apply a thicker tile grout to round out the edges. Ok,  it's is acceptable to go cheap then.

# # # #

For the next bathroom, I started to working on the "decorative tiles pieces" by visiting all local home improvement stores.  As turn out - the "close out" "discounts" aren't the same for the chain stores; apparently, the store managers decide what to discount and by how much.

I found that 22 cents 4x4 tiles (regularly priced) was discounted to 12 cents - I picked up all the remaining tiles 3 boxes and the change. That purchase enough for 1 bathroom "decorative strips".  I visited another store, the same tiles was discounted to 9 cents a tile I picked up even more of the tiles.  How much do I save? $100 tiles for $50. Is it worth the effort? I don't know, what do you think?

Another example, the 2x2 -1 sq ft tile piece listed for $9.50 each, discounted for $4.50.  I found it is ideal for shower flooring - its rough texture and size provides a non-slippery surface.  There were 10 decent pieces (w/o damage) - that is enough to make a 3x3 shower stall. so, that's a $100 tile project for $50.

The amount time spent to save that $200 of material cost isn't very smart.  But knowing you can have what you wanted for less - is very satisfying.

Everything Smart SA

http://782sa.blogspot.com/

What's Reefer Oil Change

Reefer oil change, what is that?

I googled the word "reefer", as turn out it's a slang word for drug of some sort according the urban dictionary.

What I had in mind was about the preventative maintenance program (PM) offered at may truck stop/commercial vehicles. In this case "Reefer" refers to the refrigerated container, or shipping trailers equipped with refrigeration system.

The refrigeration trailer/container uses combustion engine to generate the power to run the refrigeration system. It also requires the PM like tractor and trailer.

What's going on at Hyundai Showroom

TV ads are popping up everywhere about how good the Hyundai cars. The car magazine often give them high marks too.

I was drawn by the Hyundai Sonata because of price, fuel efficiency, and it's ranked higher than Honda Accord and Camry in most criteria. I went to the show room and checked out the car.

In order to achieve the fuel efficiency, all modern cars are slopped so much now, the outward visibility is compromised if you are 6 ft tall. I missed the old Honda from the late 80's and early 90s. The low hanging double wishbone suspension, semi-upright windshield - ultra wide view in every direction. The closest thing to riding a motorcycle. I missed that very much.

Copper Pipes - Specification

I am preparing a material list (or budget) for a bathroom remodeling. Running new plumbing with copper pipes seems to be a better choice than PVCs when it is used as water supply line.

When checking out the various 1/2" 3/4" copper pipes, I encounter the "classification" codes,

type 'M' (thin; typically only allowed as drain pipe by IPC code),
type 'L' (thicker, standard duty for water lines and water service), and
type 'K' (thickest, typically used underground between the main and the meter)

The price difference between the M and L aren't that great, $2.50 per 10 ft of pipes. For $50 more, I could have 200 ft of pipes I need to do two bathroom. Why taking the risk of using "M"? For draining, I though PVC schedule 40 should do the job. Why use copper pipe for drain??

Subaru Outback - An Alternative to SUV

Why buy a full size SUV when the cross-over does the job (Chevy Tahoe vs Chevy Traverse)? Often the "special needs" come with many mechanical baggage - weight, additional horsepower and fuel burns.

How fast do we need to go? How fast a car need to go to make freeway merging safe?

We turned away the mini-vans to SUV, and now cross-overs. What we want is a vehicle with useful space while deliver the fuel economy we can bear. So what's the next vehicle that will do it all?

Space - comfortable room for 5, plenty of legrooms and cargo space.
Go anywhere attitude - all wheel drives
Fuel economy - 30mpg freeway, 25 mix driving, 22 city (better than cross-over, better than SUV)

What come to my mind are the Honda CR-V, Subaru Outback, RAV 4, Mazda5, Escape or GMC Terrain

For the money - Mazda5 - is cheap
RAV 4, CR-V - have the reliability and reputation for a good car
My pick is the Subaru Outback because it is wider than the most, with the seat folded down, - the cargo space is astonishing.





photos:  2010 Poland Krakow
plugs:  782SA.BlogSpot.com

What to Do With Older GPS

2007 Plenio VXA-3000 7-inch Portable GPS Navigator with Text-to-Speech

2008 NV-U73T | 4.3" Portable Navigation System NV-U73T



# # #

These old GPS have the original map loaded, and they have not received any software (map) update since they were out of boxes. Live in the old part of town, the maps do just fine, there is no new constructions, but these map are out dated with the newly build toll roads and new houses in the suburbs.

I have been using iphone/Google map for driving instruction, it's small, hard to read. Should I spend the money to buy a new GPS/with newer map loaded? Using the iphone/google map for long distance driving drains the battery in couple hours, plug-in 12v charger to the iPhone solves that problem. But making direction changes on iPhone while driving is very DANGEROUS.

Has the GPSs unit becoming a disposable unit, like ink-jet printer cartridges where we buy the "maps" and the GPS units are free?


# # ###

New GPS unit can be had for $130 (brand name - big 4.3" screen), and the cost of map update for the SONY runs $100, if you can get it..

So, Buy a new one- and give the old one away, is the right thing to do!

Everything Smart SA

http://782sa.blogspot.com/

Unemployment Benefit Is Becoming Entitlement

When does unemployment benefit come another form for entitlement?

1. Payout for benefit is more than what was collected in premium.

2. Payout term is extended than it was originally promised.

3. One will not take a job because the pay difference between pay and unemployment benefit check isn't worth "spending 8 hours on the job".

4. Using unemployment check to supplement under-table cash-side jobs.

5. One will not save money aside for raining days, counting only on the unemployment check.

Catchy Phrases for Marketing

Over priced,
Over promised and
Under delivered.

Ok;
Yes and
Absolutely

Ho,
Ka Ho,and
Ding Ho

Bed Size

* Mattress Sizes
o Twin--39 x 75 inches (or 99 x 190 cm)
o X-Long Twin--39 x 80 inches (99 x 203 cm)
o Full--54 x 75 inches (137 x 190 cm)
o Queen--60 x 80 inches (or 153 x 203 cm)
o King--76 x 80 inches (or 198 x 203 cm)
o California King--72 x 84 inches (or 182 x 213 cm)



* Fitted Sheet Sizes
o Twin--39 x 75 inches (or 99 x 190 cm)
o X-Long Twin--39 x 80 inches (99 x 203 cm)
o Full--54 x 75 inches (137 x 190 cm)
o Queen--60 x 80 inches (or 153 x 203 cm)
o King--76 x 80 inches (or 198 x 203 cm)
o California King--72 x 84 inches (or 182 x 213 cm)

* Flat Sheet Sizes
o Twin--66 x 96 inches (or 167 x 243 cm)
o X-Long Twin--66 x 102 inches (or 167 x 259 cm)
o Full--81 x 96 inches (or 205 x 243 cm)
o Queen--90 x 102 inches (or 228 x 259 cm)
o King/California King--108 x 102 inches (or 274 x 259 cm)



* Comforter Sizes
o Twin--68 x 86 inches (or 173 x 218 cm)
o Full/Queen--86 x 86 inches (or 218 x 218 cm)
o King/California King--100 x 90 inches (or 254 x 229 cm)

Vanity Cabinets

Buying replacement vanity cabinets can be real challenge, if saving money is important.



Vanity is sold either with the vanity top, or without the top. Most of units with tops are made of non-stone like material - so call cultured marbles.





There are two options when replacing water damaged cabinets. Buy one just vanity base only, without sink/counter-tops; or buy the complete replacement unit. Low-end cabinets typically sold with tops, where as the better looking one, typically sold with cabinetry only.

Thing to check, beside the obvious like "width of cabinets", and numbers of sinks.

1. Faucet holes (number of), spacing (standard 4").

2. Cabinet depth. Less expensive cabinets are in 18" / 19". The others are in 21.5~22". If the replacement cabinets are in different sizes (different foot print), the flooring may need some redo, and exposing new wall surfaces that needs new paint job.

3. Number of drains (P-traps). Double sink vanity are designed to work with either (a) individual drain outlet. Or (b) sharing with one drain outlet. It affects how the cabinets drawers are utilized. If the slide out drawers are in the middle - it's likely that "individual drain outlets" are used. If the slide out drawers are in both ends of cabinets/doors in the middle - it's likely that "a shared drain outlet" is used.


photos: 2010 Germany Berlin & Poland Krakow
Plugs : 782sa.blogspot.com

Riding Lawn Mowers

COST Factor #1 – transmission
► $$$-$$$$ Hydrostatic-drive tractors = smooth, infinite speed
Tight-turning, "zero-turn-radius" tractors = dual hydrostatic-drive for each wheel
► $$$ Pedal-drive tractors = continuously variable transmission (CVT), control by how hard the drive pedal is pressed. Required shifting to forward/reverse
► $$ Manual-drive tractors = detente level – discrete ground speed with CVT transmission
► (?$) Gear-drive tractors =shifting, clutching, and a distinct set of speed ranges.

COST Factor #2 – Engine
► More HP = $$$
► Fewer HP = $

COST Factor #3 – Deck Size
► Wider 46” plus = $$$
► Less than 42 = $

Others COST Factors/Key Features
► blades for mulching
► bag – clipping catching system
► wagon towing
► engine maker




# # # #

For $850 ► 14 HP / 38” / Manual-Drive

For 30% more $ and 10% improved efficiency (time wise) ~ 17% premium
$1100 ►19 HP / 42” / Pedal-drive

For 65% more $$$ and 20% improved efficiency ~ 36% premium
For $1400 ► 22 HP / 46” / Hydrostatic Drive


# # riding models # # #
Ariens
Bolens
Craftsman
Cub Cadet
John Deere
Husqvana
Toro
Snapper
Troy-Bilt
Weed Easter
# push/lawn mowers#
Brute
Lawn-Boy
Honda
Ryobi
Yard Man

Everything Smart SA

http://782sa.blogspot.com/