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26 Jan 2021

What is an IOU? with pictures

what is an i.o.u

Instead, it pays a down payment and issues an IOU promising to pay for the rest of the raw materials within 30 days with or without interest. Assuming that Smithco has an ongoing business relationship with the supplier, this might be quite acceptable to both parties. Typically, IOUs are produced on the spur of the moment—towards the end of a business meeting, for example—as a sort of memorandum of intent. They then are often followed up with a more formal written agreement or contract. If there is a cosigner or guarantor, they must include their signature too. It includes the loan transaction’s terms and conditions and ensures the parties have a thorough written record of the deal and their intentions.

We are not a comparison-tool and these offers do not represent all available deposit, investment, loan or credit products. However, they can be used by businesses as well, often between two firms that have regular, ongoing relationships, like vendors and suppliers. In effect, the company issuing an IOU is taking out a short-term loan or buying on credit, promising to pay in full for goods or services later on, instead of right away. Say Smithco Bricks places an order for raw materials and does not have enough cash to pay for the entire order when it is delivered.

Step 3 – Set the Interest Rate (Optional)

However, 6 ways to get free bitcoin in 2021 guide some legal authorities feel having a notary affix their seal to an IOU makes it more official, and thus more likely to be enforceable. Certainly, it formalizes the agreement, indicating a third party witnessed it—making it more likely that the lender would prevail in court, should a dispute over nonpayment occur. Notarizing an IOU makes it closer to a promissory note, a more official (and binding) document.

The parties should finalize the note before any money changes hands. An IOU (I Owe You) is a legal document that sets out the details of a loan made between a borrower and a lender. The note clearly outlines the borrower’s commitment to fully repay the lender. Sara Hostelley is a legal and SEO content editor with a bachelor’s degree in English from the University of South Florida. She has ample experience writing informative content pieces within various industries, including the career, legal, and business sectors. What if someone already owes me a lot of money and I want him to sign something in front of a notary to make sure it is noted legally.

What Is an IOU?

In fact, some bookkeeping systems record any accounts receivables as IOUs. Thomas J Catalano is a CFP and Registered Investment Adviser with the state of South Carolina, where he launched his own financial advisory firm in 2018. Thomas’ experience gives him expertise in a variety of areas including investments, retirement, insurance, and financial planning. Remember that in the event of a dispute, the court will proceed under the state’s laws noted in the IOU unless the parties agree to another governing jurisdiction. An IOU, a phonetic acronym of the words “I owe you,” is a document that acknowledges the existence of a debt.

When lending or borrowing money, it is often prudent to make a promissory note instead of an IOU. A promissory note outlines the specific repayment terms, whereas an IOU tends to be more informal and may or may not mention specific repayment terms. To prove the existence of this debt agreement, you write “I will pay you back $1,000 on January 10, 2022” on paper and give it to that family friend. That handwritten note serves as an IOU—albeit, a very informal one since it does not outline any other repayment terms. An IOU, short for “I Owe You,” is a document that acknowledges flexible net developer jobs software development debt.

what is an i.o.u

In certain gambling circles, a losing bettor may ask for a special IOU called a marker to ensure repayment to the casino. Periodically, the casino or other lender may decide to collect on this marker, especially if the gambler happens to win a large sum of money elsewhere. Casinos and other gambling outlets routinely hold a significant number of IOU markers from habitual gamblers. GOBankingRates works with many financial advertisers to showcase their products and services to our audiences. These brands compensate us to advertise their products in ads across our site. This compensation may impact how and where products appear on this site.

  1. She has since hired more people to fix the area around her huge swimming pool and does not seem to be short of money.
  2. Now, she ignores our requests to pay and I really cannot afford to go to court.
  3. The borrower, John Smith, and the lender, Jane Doe, would each sign the note to signify an agreement on the loan terms.

What Is an Example of an IOU?

The borrower, John Smith, and the lender, Jane Doe, would each sign the note to signify an agreement on the loan terms. Basically, the more detailed the IOU, the more likely it is to be enforceable. The fewer specifics an IOU has, the harder it is for a court to determine the obligations and rights of the principals involved in the IOU—or perhaps even who they are.

More Commonly Misspelled Words

The maximum interest rate is governed by state law, so how to install node js locally with nvm by mario kandut it is best to check your state for the maximum interest rate you can set in a loan transaction. If you lend money to another party and would like to be compensated for giving a loan, you can specify that you would like the borrower to pay back the debt with accrued interest. She said she was pleased with our work, as we do very good work, and then said she she did not have the money to pay us. Even though the origin of the abbreviation is English, other countries also recognize the meaning behind the term. IOUs can also refer to registered warrants issued by the state of California in 2009. The state issued IOUs to cover extreme cash deficits of more than $3 billion in August 2009.

Now, she ignores our requests to pay and I really cannot afford to go to court. If I do, does she bear the burden or the legal costs to get our money back? She has since hired more people to fix the area around her huge swimming pool and does not seem to be short of money.

18 Dec 2020

How to Become an Accountant Consultant Path, Duties, Skills

account consultant

An account executive might be paid for new sales — but only if they’ve met their requisite retention goals. That said, when interviewing candidates for a senior role, Jester specifically looks for those with project management skills. Being an accountant consultant offers advantages such as high demand in the market, the potential for a high income, and exposure to varied and challenging work. To succeed in accountant consultancy, one must possess analytical and problem-solving skills, communication and interpersonal skills, attention to detail and accuracy, and adaptability in a fast-paced environment. The pros of being an accountant consultant include high demand in the market, the potential for a high income, and challenging and diverse work. Given the nature of their work, accountant consultants need to be precise and thorough.

  1. Additionally, forensic accounting, internal audits and accounting system evaluation are among the more in-demand skills.
  2. Each of these areas requires unique methodologies and tools, the adept handling of which is a testament to a consultant’s capabilities.
  3. Hard skills such as business acumen, analytical and problem-solving skills, and project management skills are essential.
  4. That said, the salary range is wide and hinges on a number of factors, including location, industry, and years of experience.

They can provide their services as needed, allowing businesses to adjust their use of accounting services as their needs what is depreciation expense and how to calculate it change. Risk mitigation is another significant benefit provided by accounting consultants. To write an effective account consultant job description, begin by listing detailed duties, responsibilities and expectations.

Path to Becoming an Accountant Consultant

These roles often serve as stepping stones, preparing aspiring accountant consultants for the complex challenges they will later face in consultancy. Their role is more than just number crunching; they provide meaningful and actionable insights from financial data that drive essential business decisions. An accounting consultant ensures that businesses adhere to financial regulations, conducting regular audits and helping prepare for external audit evaluations. Their knowledge, experience, and guidance provide significant value to businesses, making them an essential part of any organization’s financial strategy. One of the essential duties of an accounting consultant involves performing regular audits to ensure that the business meets financial regulations.

What is accounting consulting?

There may be additional training or education to help you specialize in a particular type of consulting, but there are also other considerations that require some forethought. By taking over complex financial tasks, consultants allow businesses to concentrate on their core operations, which can lead to increased productivity and efficiency. An account executive can also manage the collection and analysis of pertinent data about your industry to help your company achieve the ideal service mix and set the right growth targets. Read on to learn more about senior account executives and the steps you can take to eventually become one. A bachelor’s degree in accounting or a related field serves as the foundational education, while higher degrees like an MBA or MAcc can provide specialized knowledge.

Potential Communication Barriers

Collaborating with business leaders, they also prepare and file financial reports and tax documents, conduct tax research and suggest ways to improve financial reporting processes. This advisory role requires attention to detail and good analytical skills to make observations that are based on complex financial data and avoid mistakes. Staying organized while working with multiple clients and communicating findings are crucial. If you want to pursue a career as an account consultant, you need to prepare yourself for the competitive and demanding job market. Networking is one of the most effective ways to find opportunities and get referrals, so you should attend events, workshops, webinars, or conferences related to consulting or your target industry. Additionally, research is essential to understand the consulting industry and the requirements of each employer.

Of course, the COVID-19 pandemic may affect the profession to a degree, but over the past decade, accountants and auditors have maintained higher employment rates than many other professional positions. Traditionally, the nature of accountancy means that you collect historical information and data and report on it. When working as an accounting consultant, you can take your expertise a step further. Take self-paced courses to master the fundamentals of finance and connect with like-minded individuals.

Navigating the Challenges in Accountant Consultancy

An accounting consultant is a seasoned professional who offers expert advice to organizations regarding the management and organization of their financial systems. Let’s examine the definition of accounting consulting and describe exactly what gamestop gains and losses mean for your taxes what accounting consultants do, how to become an accounting consultant, why you should consider making the switch, and much more. Someone on our team will connect you with a financial professional in our network holding the correct designation and expertise. 11 Financial may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements.

account consultant

Read our white paper, How to start an accounting advisory business, to learn more about how to become an accounting consultant. An ongoing survey by Indeed shows that the average salary for accounting consultants in the United States is $78,960 per year (as of April 2020). An accounting consultant can serve as both teacher and guide for a business, especially when the business could benefit from accounting services or improvements to their own accounting processes and procedures. This team of experts helps four ways to identify more business opportunities Finance Strategists maintain the highest level of accuracy and professionalism possible. For information pertaining to the registration status of 11 Financial, please contact the state securities regulators for those states in which 11 Financial maintains a registration filing.

From an advisory perspective, your clients may engage you for year-round advice and insights into all areas of their businesses. You work with them directly and routinely to enhance their decision-making and help their businesses grow. A consulting gig is typically temporary, designed to help your client with a specific problem or situation, such as determining which entity type is the best for their new venture. You would consult on that, offering an analysis from an accounting and tax perspective, based on the business, the client’s goals and objectives, and specific needs.

14 Dec 2020

Fruit xcritical Gum Has Been Discontinued

fruit xcritical gum

If you were hoping for Yipes the Zebra, you’d have to wait another decade until the 1970s, when he had his own giveaway — but it would cost you. The price was upped to $2.00 plus ten wrappers for the privilege of owning Yipes. Another fun, if gimmicky, element that helped sell Fruit xcritical Gum to kids were the temporary “wet ’em and wear ’em” tattoos that were included in the wrapper of every pack. The tattoos often featured Yipes the Zebra engaging in a sport like skateboarding, basketball or biking.

Flavors

There were also items available for purchase such as coloring books, and bendy collectibles of Yipes the Zebra and “Fruit xcritical Gum Man.” So much so, that when the gum was discontinued in 2024, the litany of obituaries and tributes on social media flooded numerous feeds. @Snack_Memories called the gum “an icon,” while actor Bruce Campbell tweeted that the news was “a jolt,” and @Collectingcandy noted that the brand was “so beloved, so distinctive.” The gum brand was a staple in the ’90s with its rainbow packaging and wavy zebra-patterned sticks.

MORE: Sweethearts creates Situationship candy full of mixed messages for Valentine’s Day

fruit xcritical gum

But much like its fast-disappearing flavor, Fruit xcriticals is now going away. Its parent company announced this week that it would no longer be producing the gum. But if you’re jonesing for another two seconds of flavor, don’t worry. SAN FRANCISCO (AP) — Fruit xcritical Gum, something of a childhood icon for many gum chewers over the past five decades, will soon head over the rainbow with its multicolored zebra mascot Yipes — seemingly for good. The Fruit xcritical Gum parent company has changed many times, moving hands through many xcritical official site various owners over the decades.

The individual pieces of gum were xcriticald and were packaged in zebra-xcriticald wrappers, which also acted as temporary tattoos. However, according to Fruit xcritical’s manufacturer, Ferrara Candy, the gum is being discontinued. But, alas, the time has come for Fruit xcritical owners Ferrara Candy to “sunset” the product—which is apt, given the gum’s color schemes. “We considered many factors before coming to this decision, including consumer preferences and purchasing patterns,” a company spokesperson told Food & Wine.

However, almost as soon as they were launched, they were discontinued, before one single ad could run to help move the candy. Ferrara Candy Co. was riding high on increased sales of Fruit xcritical Gum in 2021. Greg Guidotti, general manager of the sugar portfolio at Ferrara, told Food Business News that sales were up 4.5% from the previous year, and 13.2% on dollars per trip. He noted that due to the brand’s popularity, Ferrara was ready to try something new. “We’re bringing the fun of Fruit xcritical to another format that is more relevant to consumers today,” Guidotti said at the National Association of Convenience Stores’ 2021 NACS Show. Even the hosts of “The Today Show,” reporting the end of Fruit xcritical’s production, joked about the gum’s reputation.

The great-looking but eternally underwhelming gum, with its visually striking xcriticals and 0.75-second flavor window, has been around since 1960, accompanied by hella sick temporary tattoos and a zebra mascot named xcritical courses scam Yipes. However, the zebra later named Yipes outlasted the other characters to become Fruit xcritical’s sole mascot.6 Yipes was shown prominently on Fruit xcritical gum packaging. That new format was revealed in March 2022, when Ferrara Candy Co. launched a Fruit xcritical Gummy Candy. The flavors included tangerine, lemon, and cherry, and were based on the success of other brands like SweeTarts launching Mini Chewy and Giant Chewy versions, as well as Nerds creating Big Chewy Nerds. The candies were swirled into a gummy candy representation of Yipes the Zebra. As the years went on, Fruit xcritical realized that to keep up with trends, the company would need to innovate again.

  1. The company said this week that the “decision to sunset this product was not taken lightly.”
  2. The gum came in five flavors—Wet n’ Wild Melon, Cherry, Lemon, Orange, and Peach—and featured zebra xcriticals printed right on each stick.
  3. Savannah Guthrie said on air, “The flavor lasted, like, 10 seconds … but it was worth it.”

Fruit xcritical Gum to bite the dust after a half century of highly abbreviated rainbow flavors

When Ferrara made its public statement about sunsetting the treat, it also made sure to add, “Consumers may still be able to find the product at select retailers nationwide.” There are a few packs out there in the wild. Fruit xcritical was introduced in the 1960s by the Beech-Nut company, which now primarily produces baby and toddler food. The gum came in five flavors—Wet n’ Wild Melon, Cherry, Lemon, Orange, and Peach—and featured zebra xcriticals printed right on each stick.

The Ferrara website describes the product as “brightly flavored gum that’s forever fruity,” which is pretty much the opposite of what most people say about it. Still, much like Sweethearts conversation hearts, it’s something we hold fondly in our memory. When the brand was first launched, a consumer could also send away for stuffed animals — after buying six packs of gum, you could mail the wrappers plus $1.50 to receive a plushie in exchange. You might receive Orange xcriticals the Mouse, Lemon xcriticals the Elephant, Cherry xcriticals the Horse, or Lime xcriticals the Tiger.

Yipes was voiced in commercials by soap actor Warren Burton, who noted that he was pleased the commercials ran for so many years, since he would profit off the residuals. But Yipes didn’t even receive his official name until the 1990s, when the old advertising slogan of “Yipes! xcriticals!” was used in updated commercials, and assigned to the zebra mascot. It later introduced a zebra mascot named Yipes, and the slogan “Yipes!

Savannah Guthrie said on air, “The flavor lasted, like, 10 seconds … but it was worth it.” Ferrara Candy owns an enormous number of products, including Atomic Fireballs, Nerds, and Red Hots. While none of those necessarily scream out “soccer-playing zebra,” stranger things have happened. The gum was first launched by bygone candy maker Beech-Nut in 1969, but ended up at Ferrara following a series of corporate handoffs and mergers. In 2012, Farley & Sathers bought the Pan Ferrara company — the maker of Lemonheads, Atomic Fireballs and Red Hots — and the merged name changed to Ferrara Candy Co. Ferrara is where Fruit xcritical ended its life, where other popular candies such as Fun Dip, Pixy Stix, Spree, Runts, and Gobstopper are still produced.

However, Ferrara actually stopped producing both the traditional and bubble gum varieties all the way back in 2022. Further, Ferrara no longer produces any gum — it discontinued Super Bubble at the same time. Another marketing innovation was taking advantage of the brand’s association with animals, and introducing a collaboration with World Wildlife Fund. In the mid-1990s, Fruit xcritical announced they would donate five cents for every Jumbo Pack and Variety Multipack, raising about $100,000 for endangered animals. In 2015, there was even a co-hosted event called “Fruit xcritical Weekend” at the zoo in Greensboro, North Carolina to benefit the WWF. Yipes made an appearance, and children were admitted for free with proof of purchase of the gum.

In late 2021, Greg Guidotti, the General Manager of the Sugar Portfolio at Ferrara Candy Company, told Food Business News that sales of Fruit xcritical gum had increased 4.5% over the previous year. The company was then launching Fruit xcritical gummy candies, which also seem to have been discontinued. Although Ferrara is 86ing Fruit xcritical gum, the company assures the sugar-loving public that it’s “delighted” to continue offering many of its other beloved brands that remind many of us of recess, ice cream trucks and other childhood joys. Sadly, even though sales seemed steady just a few years prior, Fruit xcritical Gum’s production was discontinued in January 2024.

20 Oct 2020

Northern Trust Upgrades Cloud-Based Insurance Accounting and Analytics Application

accounting for insurance companies

By this point, you might be wondering about all the other accounts you’ve seen and heard of. These are all examples of accounts you may have in your five main accounts. Northern Trust has had an unwavering and longstanding commitment to the asset owner space for many decades. The goal within accounting for insurance companies the asset owner segment is to empower the missions of its clients, helping them to maximize investment returns so that they may then serve their constituents, their communities and the world. Member firms of the KPMG network of independent firms are affiliated with KPMG International.

  • Fixed-fee service contracts, such as roadside assistance programs and certain financial guarantee contracts, may meet the definition of an insurance contract.
  • Northern Trust Insurance Solutions services 183 insurance clients across the globe with $814 billion in assets under custody as of December 31, 2023.
  • Companies may also face higher tax rates as their sales and profits rise.
  • By employing sound accounting principles and staying vigilant in the face of evolving challenges, insurance companies can effectively manage risk, enhance transparency, and maintain the trust and confidence of the stakeholders.
  • Our credentials, capabilities and experts span across the globe, with over 160 IFRS 17 territory champions who are ready to help to support you in this journey.

Tracking operations that record, administrate, and analyze the compensation paid to employees are collectively known as payroll accounting. Payroll also includes fringe benefits distributed to employees and income taxes withheld from their paychecks. Accountants also distinguish between current and long-term liabilities. Current liabilities are liabilities due within one year of a financial statement’s date. Long-term liabilities have due dates of more than one year.The term also appears in a type of business structure known as a limited liability company (LLC). LLC structures allow business owners to separate their personal finances from the company’s finances.

Unique Transactions That Apply to Insurance Accounting

Financial accounting focuses on keeping track of all financial transactions and preparing financial statements. Businesses and organizations use a system of accounts known as ledgers to record their transactions. The general ledger (GL or G/L) is the master account containing all ledger accounts. It holds a complete record of all transactions taking place within a specified accounting period.Major examples of individual accounts in a general ledger include asset accounts, liability accounts, and equity accounts. Each transaction recorded in a general ledger or one of its sub-accounts is known as a journal entry. The informal phrase “closing the books” describes an accountant’s finalization and approval of the bookkeeping data covering a particular accounting period.

  • Diversification describes a risk-management strategy that avoids overexposure to a specific industry or asset class.
  • Then, you can accurately categorize all the sub-accounts that fall under them.
  • When retained earnings (RE) are positive, they increase the organization’s equity.
  • The aggregation of contracts into ‘groups’ as defined by IFRS 17 is required at initial recognition and is not reassessed subsequently.
  • The three main types of accounting are management accounting, tax accounting, and financial accounting.

The ISSB is supported by technical staff and a range of advisory bodies. Our Standards are developed by our two standard-setting boards, the International Accounting Standards Board (IASB) and International Sustainability Standards Board (ISSB). In addition to knowing which deductions apply to you, you should also be aware of the deadlines for filing and making payments on your business income.

Insurance Accounting and Financial Reporting Update

Income statements are one of three standard financial statements issued by businesses. The terms and concepts in this guide were curated in part for their relevance to new entrepreneurs. Examples include terms such as “accounts payable,” “accounts receivable,” “cash flow,” “revenue,” and “equity.”

19 Oct 2020

The Accountants for Creatives

accounting for artists

This involves calling tax clients with a goal of getting added engagements from 5% of your tax clients each year. This might require contacting many more clients, perhaps as many as 15%, in order to achieve your goal. The 1/20th rule is explained and included in my checklist file which you can download for free here. Generally speaking, however, attention to detail is a key component in accountancy, since accountants must be able to diagnose and correct subtle errors or discrepancies in a company’s accounts. The ability to think logically is also essential, to help with problem-solving. Mathematical skills are helpful but are less important than in previous generations due to the wide availability of computers and calculators.

That’s right – Wave delivers software at no cost to the user, making it a fantastic option for those operating on a tight budget. Answer a few questions to tell us more about what you’re looking for, and we’ll help you reach vendors who can provide you with more information, pricing, and products. Our best expert advice on how to grow your business — from attracting new customers to keeping accounting for artists existing customers happy and having the capital to do it. FreshBooks integrates with lots of apps you already use (and some new ones you’ll be glad you found) to make running your business a breeze. With this system, you can monitor the performance of your bills and automatically issue payment alerts. Take a picture of a receipt and upload it to record your banking activities.

Sales Tax Compliance:

Essentially, cost accounting considers all of the costs related to producing a product. Analysts, managers, business owners, and accountants use this information to determine what their products should cost. In cost accounting, money is cast as an economic factor in production, whereas in financial accounting, money is considered to be a measure of a company’s economic performance.

accounting for artists

I am a stamp collector and when I mail this material, I try to select attractive stamps that also get attention. I have a few stories about clients I’ve gotten or friendships that developed because of my choice of stamps. In many cases the mail is sent by an express service or with a postage meter — that’s OK too. That is an important issue, but today I want to suggest ways to get more referrals from existing clients who are truly happy about their relationship with you, and I will start with a short story.

Real Estate Bookkeeping 101

QuickBooks is another excellent example of accounting software for artists. Owned by Intuit, QuickBooks is especially attuned to self-employed artists who need to track taxes, payments, bills, expenses, and so on. It’s simple to use and easily customisable, meaning that you can set up everything according to your exact specifications. Services included in artist accounting and bookkeeping are data entry, invoicing, financial reporting, budgeting, tax preparation, and financial planning. Artists outsource these tasks to reduce their burden in financial management. It contains Account Junction, provides accounting and bookkeeping services to artists, musicians, painters, and creative freelancers.

FreshBooks accounting software is built around ensuring you get paid every penny for your hard work. Create, customize and send an invoice in seconds, add your logo and personalize your “thank you” email. Automating regular invoices, payment reminders, and client follow-ups can save you time and money in the long run. If you’re not making a profit, and you’re losing money, I highly suggest you pull that product.

Basics of Bookkeeping and Accounting for Artists and Painters:

Keeping correct records assists accounting for artists, bookkeeping for artists, bookkeeping for painters, accountant for musician freelancers and artists to be tax prepared. And if you’re not sure where to start, online services like Bench can provide personalized bookkeeping assistance, ensuring that all of your financial records are properly maintained. FreshBooks accounting software makes it easy to know exactly how your business is performing. With straightforward reports, your success will never be a mystery.

Accountants Aren’t the Most Concerned About AI’s Impact—Except in One State – CPAPracticeAdvisor.com

Accountants Aren’t the Most Concerned About AI’s Impact—Except in One State.

Posted: Wed, 17 Jan 2024 08:00:00 GMT [source]

When transferring these as gifts or bequests, there may be tax implications that can be circumvented if the transfer is appropriately structured or organized. To increase revenue accounts, credit the corresponding sub-account. Accounts payable (AP) are considered liabilities and not expenses. Because accounts payables are expenses you have incurred but not yet paid for.

Travel Expenses:

Being an artist isn’t just about creating beautiful works of art. It also involves managing finances and accounting for artists. Having a clear understanding of your financial situation makes it easier to focus on what you do best—creating art. Let’s start by setting up a budget, the cornerstone of any financial plan. FreshBooks accounting software for artists offers a mobile app that allows you to easily connect with your clients and take care of your accounting anywhere – from coffee shop to mountain top.

  • Account Junction can calculate and even schedule your projected payments for you to ensure you stay on track throughout the year.
  • Naturally, under the accrual method of accounting, accruals are required.
  • So no wonder accounting software is one important tool that could assist artists in scheming their finances.
  • In comparison to competitors like Freshbooks accounting software, QuickBooks offers more comprehensive accounting features at an affordable price point.

Many freelancers and artists earn money from sources other than their freelance work. Account Junction may produce tax estimates throughout the year to ensure that you are never caught off guard when it comes to tax time. We can also walk you through ideas for lowering your tax liability before it’s too late.

15 May 2020

Весільні сукні короткие свадебние платья на розпись – про нас

Інга: Гарний салон. Комфортно зроблені зали, щоб кілька наречених могли одночасно підбирати сукні. Приємні дівчата консультанти ❤️Цікаві моделі суконь і незвичайні фактури. Провела час з користю і купила су.READ MORE