Intelligent, polite,creative and beautiful

A husband and father of 3. 1 daughter and 2 cats. The writer focuses on finance, debt management, and collections. Sometimes write about family matters and psychology.

Profesor de química. Amante del mundo y su naturaleza. Aficionado del deporte en general y del.cuidado físico. Cantante de música romántica

a baker

Blogging. Life experiences, travel, food, and random stuff. Still learning how to live on the Cryptoverse. Wax: ng5s2.wam

Books and Skies are the thing that I love! . . Lagi't lagi, para sa bayan.

A Coffee lover and a Farm Girl, writing anything under the sun.