07/14/202307/14/2023

Have You Named a Trusted Contact Person?

If you are not prepared to decide on a Power of Attorney for your investments, assigning a trusted contact for your investments may be a good option.

This month Marci Perreault, Certified Financial Planner, gives some context as to why this may make sense.

As always, Marci is available for consultation.

Enjoy your summer days!

Have you named a trusted contact person?

The Canadian Securities Administrators, an umbrella organization of provincial and territorial securities regulators, introduced a measure two years ago to help protect investors’ financial interests. Investors could give their advisor the name of a “trusted contact person.”

Meeting a need

An advisor can contact this individual if the advisor believes the investor may be losing their ability to make sound financial decisions or could be vulnerable to financial exploitation or fraud.

Much of the need for a trusted contact person is to protect investors at older ages when they may develop dementia or another cognitive impairment, but investors may also benefit from this help at a younger age. For example, someone who suffers a serious illness could be taken advantage of by a caregiver.

An advisor’s unique position

A wealth advisor may notice changes in an investor’s behaviour or signs of exploitation that could jeopardize their assets. Perhaps an investor is becoming confused about financial concepts they had understood before, or they’ve been making large, unexplained withdrawals.

An advisor could reach out to the trusted contact person to discuss their concerns. The contact person might offer helpful information to the advisor, have a discussion with the investor or take other steps to address the situation.

If you haven’t yet named a trusted contact person, consider naming a family member or close friend. Keep in mind, the Canadian Securities Administrators recommends that you choose a different person than your power of attorney or mandate representative, to provide an additional level of security.

in Financial Freedom Posted by Marci Perreault

07/07/202305/03/2024

Unwrapping Joy Snacks

Discover the transformative power of joy in this video blog! Explore the wonder of Spring and Summer, and uncover how these simple moments of joy can boost your mood. Join us on a journey to understanding how daily encounters and experiences can trigger happiness, boost our mood, and infuse our lives with positivity. From nature walks to the art of joy detection, learn to infuse each day with gladness — one joy snack at a time!

Click here to watch the video.

in Healthy Aging, Video Blogs Posted by The Good Life With Kat & Nat

06/30/202305/03/2024

Joy Snacks for Pleasure and Longevity

What lights you up about Spring and Summer? After feeling like we’ve been through three winters (LOL) Spring’s arrival helps us to feel lighter. I like to call it the season of hope because there’s so much possibility all around us: in blossoms on the trees and flowers poking out of the ground. It’s so easy to be impressed by Mother Nature when the earth is smiling this way.

I love walking the trail near our home year-round but especially at this time of year. I welcome the sound of a stream rushing, birds singing, the different shades of green; creatures moving through the woods. These are all what I call joy snacks: the small moments of gladness that remind us of all the good there is to appreciate in life. Perhaps you experience something similar on your walks or as you move through your day. I sure hope so.

I think of joy snacks as a valuable ingredient in the recipe for sustainable happiness and here’s why. It’s all about the good feelings we experience when we encounter someone or something that makes us feel joyful. Think babies smiling, someone complimenting you or someone holding a door open for you. These everyday encounters cause our brain to release neurotransmitters or feel-good chemicals into our nervous system. There’s dopamine, known as the feel-good hormone and serotonin, often called the happiness chemical. Easy breezy activities like showing appreciation or kindness, receiving a compliment graciously, going for a walk, or smiling at someone all invite more production of these feel-good hormones and help lift our mood.

“Smiling can trick your brain by elevating your mood, lowering your heart rate, and reducing your stress. The smile doesn’t have to be based on real emotion because faking it works as well.”
-Dr. Diana Samuel MD

Joy is a magical thing and sometimes it’s challenging to believe we deserve it. We’re so conditioned to think that life is difficult, and joy is frivolous. We must become intentional about joy and teach ourselves to be clever joy detectives, packing as much of it as we can into every day. Let’s talk about exercise as a joy snack instead of a chore. Exercise encourages us to focus on the present moment; the experience takes our mind away from thoughts that might make us feel fearful or stressed and the magical piece is that we always feel good after exercise. Instead of looking at exercise as a “got to do it thing,” why not think of it as a “get to do it thing” because you know there’s joy involved. This is especially true when we exercise outdoors in nature and share the experience with someone else.

“The joy we feel has little to do with the circumstances of our lives and everything to do with the focus of our lives.”
–Russel M Nelson

Our ability to experience joy is always there but it may very well be buried to protect ourselves from feeling hurt or disappointed. I understand that because before I became a joy detective, I felt the need to protect myself but not any longer. I’ve learned that joy helps to expand my perspective on life instead of living with a limited perspective, which happens when we’re focused on negative and fearful thoughts about ourselves and our life circumstances. So, joy is medicine that helps us lift our outlook on life to be more positive and optimistic.

In a recent chat with a woman at Welling, she confessed that meeting so many new people in the community made her feel uncomfortable because she couldn’t remember everyone’s name. I suggested she start greeting people by saying hello, friend. Her face lit up in recognition of the fact that folks in her new community really are her friends and it took the pressure off because now she doesn’t have to feel uncomfortable about remembering everybody’s name. That was a tasty joy snack.

There is so much benefit to being a joy detective. Not only do we experience something that feels good, but when we feel joy, we’re inspired to share it with others. We become more open minded and curious, our creativity expands, we spend less time focusing on what’s wrong because we’re looking for what’s going well. We’re more connected to other people, which improves our social fitness and when we’re joyful, we become more resilient, which sets us up for more positive experiences in the future both in our thoughts and the activities we choose to participate in.

I love to share joy snacks with other people, whether it’s having a meal with friends or surprising fellow walkers on the walking trail I mentioned earlier. I leave quarters on the posts of a little bridge that goes over a stream. I imagine someone seeing the money and feeling joyful, as they put it in their pocket, thinking about what joy they can create for themselves or imagining how they might pass the joy along to someone else. So, my challenge to you is to become a joy detective in your own life. Look for ways to pack as much gladness into your day as possible and when you can, offer a joy snack to someone else. You’ll make their day and light yourself up as well.

This Wellings blog by Kathie Donovan was exclusively written for Welllings Communities and appeared first on MyWellings.com.

in Healthy Aging Posted by Kathie Donovan

06/23/202306/23/2023

Simply Move & Stretch!

Incorporating a movement and stretching routine into your daily schedule can have many benefits. It can aid in injury prevention, increase flexibility, and leave you feeling energized to take on the day’s challenges. You can achieve these benefits by dedicating just a few minutes to stretching each morning. Try this 6-minute routine with Tracy Reid from Fitness Powers. It can be done anywhere and anytime to awaken your mind and body and get your blood flowing. Click here to watch the video.

in Health and Fitness, Video Blogs Posted by Fitness Powers

06/16/202305/03/2024

The Good Life: Belonging vs Fitting In

Join us today on The Good Life, with Kat & Nat, as we explore the journey from trying to fit in to finding where we truly belong. Drawing insights from the stories of media personality Paris Hilton and social researcher Dr. Brene Brown, we examine the struggle of fitting into societal molds versus embracing our authentic selves. Learn how belonging differs from mere acceptance, why it’s important to cultivate self-awareness, and discover practical steps to deepen your sense of belonging. This vlog is a guide to finding your place in a world that can often seem confusing and demanding. It’s time to be courageous, be kind, and most importantly, be you. Click here to watch the video.

in Healthy Aging, Video Blogs Posted by The Good Life With Kat & Nat

06/10/202305/03/2024

The Game of Fitting in Versus The Feeling of Belonging

Have you ever felt like you didn’t fit in? I know I did in school, in some workplaces even in some friend circles. As I was trying to fit in, I felt unsure because I didn’t listen to myself. I looked to others for cues on how to behave and what to say. I felt lost and I’m pretty sure I’m not alone. We are conditioned (I say conned) into believing that if we work hard to fit in, we will be rewarded by being accepted. We are social creatures, and we need to know that we matter to our tribe. We all want to feel accepted.

I like to remind people that we are all important and we matter but for some of us, it’s a stretch to really believe that because we’ve habitually modified our behaviour to try to fit in or we’ve put others needs before our own, so we don’t see how important we are; we don’t see that we matter. We need to recognize that belonging is different from fitting in. It takes courage and effort in the unlearning, to understand that being ourselves is the secret to belonging.

“Fitting in is about assessing a situation and becoming who you need to be to be accepted. Belonging, on the other hand, doesn’t require us to change who we are; it requires us to be who we are.”– Dr. Brene Brown PhD

I just finished reading media personality Paris Hilton’s memoir. When I saw the book, my first thought was that she’s too young, followed by she’s so privileged, why would anyone want to read about her experience? I was curious; I bought the book and I’m so glad I did. The great-granddaughter of Conrad Hilton, founder of Hilton Hotels has a reputation as a privileged wild child with a very rebellious spirit……that’s all I knew about her until I read the book. Her parents Kathy and Richard wanted Paris to fit in when her behaviour was taking her off the path, they had in mind for her as a Hilton. They tried everything they could to protect her but nothing stuck. Finally, they had her kidnapped in the middle of the night by two thugs, who transported her to a wilderness school for troubled kids, in the middle of nowhere California. She ran away, was captured, and was sent to another even more remote and wild so-called school.

It was all her parents could think of doing, to keep her safe and while it was done with good intentions, nobody caught that Paris had ADHD (attention deficit hyperactivity disorder). Her brain operates differently; she was not meant to fit in. She received the diagnosis around age 20; with treatment, the pieces fell together, and Paris soared. Her mind is hyper creative, she’s accomplished a lot and thanks to the humiliation she experienced at the wilderness camps for troubled kids, the paparazzi following her every move doesn’t scare her. In fact, Paris knows how to cooperate and make the relationship with the media work for everyone’s benefit. She belongs in the spotlight and the world accepts her there. Paris, just like all of us, was not meant to fit in; she was meant to be her true self. When we’re authentically ourselves, we’re not looking to fit it, we’re finding where we belong.

“If we have no peace, it is because we have forgotten that we belong to each other.”-Mother Teresa

Dr. Brene Brown PhD, an American professor, author, and researcher has spent decades studying courage, vulnerability, shame, and empathy. She talks about the contrast between belonging and acceptance. Acceptance relies on others recognizing us, which is unpredictable at best, whereas belonging comes from within ourselves, as we get to know who we really are. In the process of getting to know ourselves, we learn about our strengths and our gifts; we develop confidence. Trying to fit in makes us feel unstable because it’s dependent on other people’s approval, while belonging feels solid.

If you want to deepen your sense of belonging instead of struggling to fit in, here are a few suggestions to try.

-Experiment with new things. When we step outside of what we consider our normal habits we always learn something, whether it’s discovering a new hobby or it’s that what we’re trying is not for us. If there’s something you’ve always wanted to do, start somewhere by researching or taking a class on the subject. We are never too old to learn, to dream, to experiment and to grow.

-Ask yourself what makes you feel connected to others. Is it your love of books or movies, your interest in history, food, flowers, or music? Look for groups in person or on-line to explore, learn and connect with like-minded folks.

-Be courageous. Say hello to your neighbours. Meet new people. Start conversations by asking people about themselves and really listening to what they have to say. You might be surprised by how much we have in common. We’re all human beings going through this life adventure with its high peaks and deep valleys.

-Be kind. We need to learn to be kind toward ourselves first because we’re human and life is challenging. When we learn to treat ourselves with kindness, it becomes easier to treat other people with kindness and graciously receive kindness when it’s offered to us. Our acts of kindness may seem innocent, but kindness is the perfect expression of belonging. It implies that we have enough within ourselves and can happily share with others to elevate their day.

In her book The Gifts of Imperfection, Dr. Brene Brown teaches us that the greatest barrier to belonging is fitting in. She reminds us that while there are over seven million people on planet earth, there is only one you and you belong just as you are. You have experiences and knowledge that are yours alone; no one else on earth can be you. It’s the most beautiful reminder that you are important, and you matter whether it’s your home life, your work life, or your friend circle. Once you understand this truth, you’ll never need to fit in again.

This Wellings blog by Kathie Donovan was exclusively written for Wellings Communities and appeared first on MyWellings.com.

in Healthy Aging Posted by Kathie Donovan

06/02/202306/02/2023

Spring Clean Your Beneficiary Choices

Keeping your beneficiaries list up to date and current is important for many reasons.

This month KenMar Partner Marci Perreault shares some reasoning as to why this is an important step in planning and updating your Will if your circumstances change.

If you need any guidance or further explanation, please give Marci a call.

Marci Perreault, FLMI, CHS, CFP
Certified Financial Planner
KenMar Financial Services
Assante Financial Management Ltd.
Suite 300, 68 Chamberlain Ave
Ottawa ON K1S 1V9
Phone 613-231-7700 EXT 223
FAX 613-231-7744

Mutual Funds provided through Assante Financial Management Ltd.

Spring Clean Your Beneficiary Choices

Say that the holder of a Registered Retirement Savings Plan (RRSP) names their spouse as the beneficiary. Later, the couple divorces. The RRSP holder removes their ex-spouse from their will. However, with all the activity surrounding the divorce, they neglect to change the RRSP beneficiary designation from their ex-spouse to their child.

If the RRSP holder passes away before converting the plan to a Registered Retirement Income Fund (RRIF), the RRSP assets could go to the ex-spouse. It gets worse. The tax liability on the RRSP assets, equal to about half their value, must be paid by the estate, leaving even less for the child.

This scenario shows the need to ensure your beneficiary designations are all up to date.

Keep a beneficiary record

To begin, it’s helpful to keep an online or paper record of beneficiaries that you specified in your will and designated for all relevant financial vehicles. These may include an RRSP, RRIF, Tax-Free Savings Account (TFSA), Registered Education Savings Plan (RESP), life insurance policy or segregated fund.

Note that for registered plans, the beneficiary can be designated on the registered plan documentation in provinces other than Quebec. Residents of Quebec name their legatee (beneficiary) for each registered account in their will, not on the account form—with one exception. A legatee can be named on the form when the investment is an eligible insurance product, such as a segregated fund.

When to make a change

The most common reason to add or change a beneficiary is when you or someone in your family has a significant change in their life. Events or situations could be marriage, divorce, birth or adoption of a child, or the passing of a loved one. For example, someone remarries and names their new spouse as the beneficiary of their RRSP. Or an individual has a new grandchild and updates their will to add the grandchild as a beneficiary, also establishing a trust. Ideally, you update your beneficiary designations when the event arises. However, reviewing your choices from time to time allows you to catch any changes you may have overlooked.

Also, changes in your or a beneficiary’s financial situation or updates to your estate plan can call for a beneficiary review. Maybe a parent designated both children as beneficiaries of a vacation property, but recently one child moved out of the province—so there’s a decision to make. Or perhaps a retiree has a permanent life insurance policy no longer needed to protect the family, so they change the beneficiary from their spouse to a charity.

Changes to beneficiaries may be needed for a variety of reasons, including ones that are unique to your situation. Be sure to keep a record of your beneficiaries, and don’t wait too long before conducting a review.

in Financial Freedom Posted by Marci Perreault

05/27/202305/03/2024

How to Be There for Someone Going Through a Rough Time

We’ve all found ourselves in a situation where the wheels come off unexpectedly for someone we care about. What do we do? What can we say? Because there’s no handbook on the subject, sometimes we feel so awkward, we do nothing. It’s in our nature to want comfort from others and to comfort people we care about when things go sideways. Let’s try to cut through the awkwardness so we can feel empowered to take meaningful action and be supportive.

“Promise me you’ll always remember that you’re braver than you believe, stronger than you seem, and smarter than you think.” -A.A. Milne

Connection and community are key elements of what I call sustainable happiness. We are made to be social, and we want to feel like we still belong when we are going through something. We need to understand that when someone is going through something tough, it is about them and not about us. When we focus on our discomfort around their situation and do nothing, that’s when we are making it about us. Understanding that distinction allows us to put our concerns aside so we can say and do things that express the compassion and empathy we feel for the person going through a rough time.

Oprah Winfrey taught me that we can’t take anything off anyone else’s journey. The lessons in someone else’s experience aren’t meant for us, they’re meant for the person going through it. What we can do is walk beside them to soothe, support, validate and hold space. It’s important that we read the situation carefully, to know how we can offer the best support.

If the person is comfortable talking, let them talk and ask questions that allow them to share without you having to inject your opinions or advice. Listening may very well be one of the greatest gifts we can offer another person. Let them know you’re listening by giving them physical cues like nodding your head or asking them to tell you more. Place your hand on their arm if it feels appropriate, to reinforce that you’re there for them. Repeat back to them what you heard them say to show them you are listening. As uncomfortable as it may be, resist the temptation to give advice, just be a good listener. That’s enough of a gift.

If the person isn’t comfortable talking or talking with you, be respectful, don’t take it personally, rather find something you can do for them. Perhaps send a note, an email, a text, or a phone call to remind the person that you’re thinking of them. Just because someone isn’t comfortable talking don’t stay away; take some kind of action. Investigate how you can help by asking friends and family what that person might need. Preparing food can be helpful if you learn what they like or what food restrictions they might have and remember that flowers are always a beautiful symbol of hope.

“We’re here for a reason. I believe a bit of the reason is to throw little torches out to lead people through the dark.” – Whoopi Goldberg

Remember that being there for someone is about helping them get through it, not forcing them to get over it. Grief has no specific expiry date, and we need to feel whatever it is we’re feeling when we’re grieving a job loss, a relationship or friendship ending or a death. When we’re trying to comfort someone, we want to ensure that we don’t get into toxic positivity by reminding the person how lucky they are. Let them feel all their feelings without judgment. Down the road, perhaps you can help them reframe their situation so they can move forward but in the middle of a storm we really need a safe place to hold on to. People going through a rough time need us to be grounded in strength; not in the soup with them.

“Sometimes it’s okay if the only thing you did today was breathe.” -Yumi Sakugawa

Life can be messy and while it’s uncomfortable, that’s part of the adventure. Resist the temptation to say to someone going through a rough time “let me know if I can do anything for you.” It’s really an empty offer because while it sounds like you want to do something to help, you’re placing the responsibility on the person going through it; chances are they won’t ask. Instead say, “I’m sorry about whatever happened because you are”. It’s genuine and meaningful for the person. Then take some initiative and offer something specific or circle back at another time with a more tangible offer of help.

It’s important to remember that friends are meant to comfort and not necessarily provide counseling. Should you find yourself in a situation that is beyond your scope, help connect the person you care for with some professional help.

What we really want to do for someone going through a challenging experience is to let them know that they are part of a community, that they’re important and they matter regardless of what’s happening in their life. Simply validating someone’s feelings when they’re sad or overwhelmed lets them know that it’s okay to feel whatever they’re feeling and reminds them that they are accepted as they are.

This Wellings blog by Kathie Donovan was exclusively written for Wellings Communities and appeared first on MyWellings.com.

in Healthy Aging Posted by Kathie Donovan

05/21/202305/27/2023

Discovering Culinary Delights with Chef Robert Mills at Wellings

Hello everyone! Welcome to the World of Wellings. In today’s video blog, we’re going to step into the world of unique culinary experiences. What a beautiful day it is and we’re beyond fortunate to be here today with the mastermind behind the food and hospitality services at Wellings, Chef Robert Mills.

Today’s discussion will focus on the powerful combination of superfoods and nutrition, and the ways we’ve elevated food profiles to new heights – all thanks to our brilliant team and your guidance.

One of the fascinating aspects of our community is its ability to adapt to the unique local area, tailoring the food choices based on community input. We are also eager to hear about the partnerships with local farms which allow us to deliver the freshest food to our members.

The Wellings model is far from being a cookie-cutter approach. With no set dinner times, no set placements, and a variety of offerings tailored to each community, the member experience is consistently vibrant and ever-evolving. From healthy superfood offerings to indulgent comfort food like our popular pizzas, we ensure our members enjoy their meals in every sense of the word.

As we look forward to the future of food offerings at Wellings, communication is key. Our teams will continue to collaborate on developing balanced and tasteful dishes while keeping a keen eye on food trends and feedback.

We can’t wait to embark on this year’s video series journey with Chef Robert Mills. We’ll discuss superfoods, money-saving tips for meal preparations, and much more. So stay tuned, and don’t hesitate to drop any questions you might have. Let’s discover the culinary delights at Wellings together! Click here to watch the video.

in Food and Recipes, Video Blogs Posted by Chef Robert Mills

05/12/202312/15/2023

The Optimal Hobby Guide: 50 Engaging Hobbies

Now is a fantastic opportunity to embrace those interests that you’ve always wanted to pursue. Whether you’re looking to discover fresh hobbies or rekindle past passions, this ultimate list of 50 hobbies is a perfect place to start:

Gardening: A wonderful hobby that is both relaxing and rewarding. It’s a great way to spend time outdoors, grow your own fruits and vegetables, or cultivate beautiful flowers.
Bird Watching: All you need is a good pair of binoculars and a bird guide to start appreciating the diverse avian life around you.
Painting: Whether it’s watercolors, oils, or acrylics, painting can be a relaxing and creative outlet. Many community centers offer classes for beginners.
Photography: With the advent of digital cameras and smartphones, photography has never been more accessible. It’s a great way to capture memories and the beauty around you.
Yoga: Yoga is excellent for both the mind and body. It helps with flexibility, balance, and mental clarity.
Cooking or Baking: Exploring new recipes or baking sweet treats can be a fun and delicious pastime. Plus, you get to enjoy the fruits of your labor!
Writing: From journaling to memoir writing, to poetry, writing is a wonderful way to express yourself.
Knitting or Crocheting: These crafts are not only enjoyable but also result in warm, beautiful projects that can be gifted or used at home.
Learning a New Language: With apps and online courses, learning a new language is more accessible than ever.
Volunteering: Giving back to the community is a fulfilling way to spend your time, meet new people, and make a difference.
Reading: From novels to biographies to historical books, reading is a timeless hobby.
Pottery: Shaping clay can be therapeutic and also allows you to create functional art pieces.
Hiking: A great way to enjoy nature and stay active. Always remember to pick trails that match your fitness level.
Genealogy: With online resources, tracing your family history has become much easier.
Fishing: This calming hobby can also help you connect with nature and enjoy the outdoors.
Astronomy: Stargazing can be a peaceful and fascinating hobby. All you need is a telescope and clear night skies.
Chess: This classic game is great for keeping the mind sharp.
Dancing: From ballroom to line dancing, dancing is a fun way to stay active.
Swimming: Swimming is a low-impact exercise that’s easy on the joints and good for the heart.
Traveling: Exploring new places, whether near or far, can be exciting and enlightening.
Book Clubs: Join a local or online book club to engage with others who share your love for reading.
Cycling: A great way to stay fit and explore your local area.
Quilting: This traditional craft is excellent for creating beautiful, practical pieces.
Tai Chi: This ancient Chinese martial art is a gentle way to stay active and decrease stress.
Learning to Play a Musical Instrument: Always wanted to play piano or guitar? Now is your chance!
Origami: This Japanese paper-folding art is meditative and results in beautiful creations.
Puzzle Solving: Crosswords, Sudoku, or jigsaw puzzles can keep your mind sharp.
Scrapbooking: A creative way to preserve and share your favorite memories.
Blogging: Share your experiences, stories or expertise online through your own blog.
Wine Tasting: Learn about different wines and develop your palette.
Meditation: A practice that can enhance relaxation and mindfulness.
Model Building: Whether cars, planes or trains, model building is a rewarding pastime.
Magic Tricks: Impress your friends and family by mastering a few magic tricks.
Calligraphy: Learn the art of beautiful handwriting.
Bonsai: Cultivating these miniature trees can be a rewarding and meditative hobby.
Bridge/Card Games: A fun way to socialize and keep your mind active.
Antiquing: The thrill of the hunt can be fun, and you might find some treasures.
Home Brewing: Brew your own beer or make your own wine at home.
Philately (Stamp Collecting): A great way to learn about different countries and their history.
Geocaching: A real-world, outdoor treasure hunting game using GPS-enabled devices.
Sculpting: A creative outlet that can be done with a variety of materials.
Jewelry Making: Design and create your own unique pieces.
Flower Arranging: This creative hobby is perfect for those who appreciate the beauty of flowers. Learn the art of creating stunning bouquets and centerpieces, which can be used to beautify your own home or be given as thoughtful, handmade gifts.
Bowling: Join a league or play just for fun.
Pickleball: A racket sport that combines elements of tennis, badminton, and table tennis.
Podcasting: Share your thoughts, experiences, or stories with the world.
Candle Making: A fun craft that results in a lovely, usable product.
Digital Art: Use software to create stunning pieces of art.
Golfing: Enjoy the outdoors while playing a leisurely game of golf.
Exploring History: Visit museums, read history books, or watch documentaries to learn more about past events and eras.

Remember, the best hobby is one that brings you joy and enriches your life. Whether you want to stay active, keep your mind sharp, express your creativity, or connect with others, there’s a hobby out there for you. So why not explore something new today? The possibilities are endless!

Happy hobby hunting!

in Carefreedom Living® Posted by My Wellings

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