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David Bach The Automatic Millionaire

David Bach, The Automatic Millionaire

Five Ways to Grow Your Income by 20 Percent

by David Bach

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Posted on Monday, February 26, 2007, 12:00AM

One of the things I like most about the new Yahoo! Finance format is the immediate feedback I get from readers. Just last month, my column "Five Ways to Save $2,500 in 20 Minutes" received enormous positive feedback.

I also received comments from concerned readers who basically said, "Your ideas won't work for me -- what else can I do to stop living from paycheck to paycheck?"

These readers certainly aren't alone. I completely understand that too many people today simply can't make ends meet with the salary they're earning. If that's the case, it's time to consider ways to grow your income.

Meet the Egglestons

Over the past year, I've had the honor and pleasure of appearing on The Oprah Winfrey Show as an expert money coach for her Debt Diet series. The mission of this life-changing program is to start a worldwide movement helping millions of people get out of debt and finally realize their goal of true financial freedom.

On the show, I coached an amazing couple -- Dan and Sally Eggleston. Dan and Sally are both elementary school teachers earning a combined income of $92,000, and live in Indiana, where they're raising three wonderful kids. When I first met them a year ago, they were $100,000 in debt and on the brink of bankruptcy.

Working together, we managed to find ways to cut back on about $500 of unnecessary expenses each month (using what I call the Double-Latte Factor). That was a great start. But due to the huge amount of debt Dan and Sally had accumulated, they had to do more.

In order to make measurable progress toward paying down all their debt, they not only needed to seriously cut back on their expenses, they also required a solid plan to grow their income by at least 10 percent over the year. The Egglestons didn't just succeed -- they crushed my goal by growing their income by over 20 percent!

Grow Your Income, Not Your Lifestyle

I'm going to coach you through the same steps I used for the Egglestons, but first I want to stress an important point that can make or break your success.

Please read closely: Earning more money won't make a bit of difference if you don't save it or apply it to paying off your debt. Many people fall into the trap of "the more you make, the more you spend." It's a vicious cycle that will keep you living from paycheck to paycheck regardless of how high your salary is. The bottom line is that you've got to grow your income, but not your lifestyle if you want to make financial progress.

Now for the five steps the Egglestons followed to grow their income:

1. Change your thinking by asking better questions.

Often, when we're struggling financially we ask the wrong questions. Asking negative questions like why you're always broke or can't get a raise can lead to negative answers. If you believe you can't make more money and consequently do nothing to change, you'll prove yourself right. If you think it's just too hard, it will be.

But if, instead, you empower yourself by asking, "What can I do to make more?" then you'll change your life. I asked Dan and Sally, "What can you do to earn more money" They focused on the answer, and together we went to work on their plan.

It took a lot of work (theirs, not mine): Dan picked up an additional coaching job and grew his summer lawn-care business, while Sally picked up summer school teaching jobs and started a mini-eBay business. It wasn't easy for them, but they did it.

2. Start a side business.

Starting your own side business for extra money doesn't have to be complicated, nor does it have to take a lot of money.

For instance, a few years ago Dan started his own lawn-care service in the summer months with just a lawnmower. He created some flyers, knocked on a few doors in the neighborhood, and soon enough he was in business. Sally taught herself how to open an eBay seller's account and in a matter of hours started selling used clothing online.

Depending on your interests and abilities, there are all sorts of things you can do to develop an additional income stream. You can perform a service (like painting houses or editing resumes), make something and market it (like cookies or jewelry), and buy something and resell it (think eBay or Amazon.com).

You can even turn a hobby into a side business -- if you cook you can cater, and if you sew you can do tailoring. Be creative and see what else you can come up with.

3. Raise your rates.

If you have a business or service you offer right now, raise your rates. It's the fastest way I know to earn more money, and it helped Dan immediately.

He'd been running his lawn-care business for five years, and not once in that time had he raised his fee. I coached him on how to go about increasing his rates without losing business.

He started out by writing a letter to his customers, letting them know how much he appreciated their business and loyalty over the years. He simply shared with them that in order to keep up with the rising cost of gasoline and other expenses, he would be raising his rates by 10 percent this year.

Dan not only retained all of his current customers, but got a few new referrals as well. The business ended up pulling in an additional $2,000 in profits compared to the previous year.

It's time give yourself a raise. If you think your customers wouldn't stand for it, consider Dan's experience. Right now, someone somewhere is raising the price he charges for his services. Why aren't you?

4. Get extra work -- at work.

As I mentioned before, Sally and Dan are both teachers. Sally asked her district about teaching summer school and landed a position that earned her an extra $4,200. Dan signed up to coach his school's baseball team and earned another $4,900.

You don't have to be a teacher to find opportunities like these. Ask about overtime or additional projects that you might be considered for. Can you increase your hours or work an extra shift? You won't know until you ask.

5. Get a raise.

Unfortunately, if you work for a union or government agency, this advice might not apply.

But for everyone else, nothing will increase your income faster than getting a raise. Dan recently completed his bachelor's degree, which earned him a whopping 30 percent increase. While you may not have earned a new degree, getting a raise can still be as simple as asking for one.

Start by preparing yourself for a meeting with your boss. Know exactly how much you want to ask for, and consider putting it in percentage terms. A humble request for a 5 percent raise starting in the next 90 days may be easier for your boss to handle than a demand for $2,500 more per year -- even if both amount to the same thing.

Have confidence in yourself. After all, you're a hard-working, dedicated employee, right? Consider that it will probably cost your employer more to replace you than it would to give you the raise you deserve.

Share Your Story

The Egglestons' story has a happy ending. They managed to grow their income by $19,000 in 12 months, and they've paid off $26,000 in credit card debt so far and are well on their way to becoming millionaires. Dan and Sally took a seemingly hopeless situation and turned it into a true success story -- and you can too.

I'd love to hear how you were able to increase your income. Post a comment and share your success. My goal is for this column to become a positive place for readers to learn from others and grow in the process.

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714 Comments

Showing comments 6-35 of 714<< PreviousNext >>
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  • Yahoo! Finance User - Friday, May 18, 2007, 12:29PM ET  Report Abuse

    • Overall: 4/5

    Before you judge them for getting into debt, realize that Dan JUST got his bachelor's degree (education costs money, and he made less before he got it) and realize that you don't know the whole story. I was laid off twice in 2 years, then temped for nearly 5 more (at roughly half what I made before each layoff) before finally finding another good job. During that time, my husband was also laid off and out of work for 3 months. My ex quit paying child support, and there was no money to hire a lawyer to pursue him. Before the layoffs, I had good credit and no debt, while my husband had fantastic credit and the majority of his debt was his student loan. With three kids to raise during this long decline, we're only now beginning to dig out of the debt we incurred just trying to get by. Finally, $92k isn't really all that much money, especially when you consider the tax implications of that income range. With three kids, they're probably ok, and if they own their home, they're even better. But with the same salary, when the kids turn 17 you lose the additional child tax credit. At that income level, college tuition tax credits are phased out. We are deeply in debt, and I've never had a pedicure in my life, we've never been Starbucks people, we don't eat out all the time, we don't wear expensive clothes and often shop in thrift stores, we don't have the latest computers and video games. Our cars are an economical Hyundai and a 10-year old Suburban. So the holier than thou commenters who think they know it all should re-think just how easily it might happen to them.

  • Yahoo! Finance User - Friday, May 18, 2007, 12:19PM ET  Report Abuse

    • Overall: 2/5

    How about some advice for people who are not living beyond there means and don't buy double lattes. I am getting tired of people saying for the cost of a latte of day you can...fill in the blank...are my husband and I the only people not drinking lattes??

  • Yahoo! Finance User - Friday, May 18, 2007, 12:10PM ET  Report Abuse

    • Overall: 1/5

    the article was okay. however there are a lot of things that people today can and cannot do to help themselves out of a situation. we have to take into account where the Egglestons' live in indiana and whether other people have the ability to financially do something similar to what they did. another point is that youre saying the Egglestons' are on their way to becoming millionaires; where is your justification of that. I fully understand that you cannot disclose all of their information but if you're going to be giving hope to others then falsifying the success that they have done thus far is not a way to do it. i would like to say congratulations to the Egglestons' and to thank Oprah for getting this topic out there because there are thousands and more who do not know how to combat their debt or rise above it.

  • Yahoo! Finance User - Friday, May 18, 2007, 11:53AM ET  Report Abuse

    • Overall: 1/5

    I realize people make mistakes, but this couple made 92K a year! How on earth do they get themselves into such a situation unless there were medical bills involved? My husband and I made 50K last year and beyond the regular bills (house payment, electric, gas, ect.) had $18,000 in medical bills due to a serious illness. We managed to pay that almost completely off, while not racking up credit card debt and still paying extra toward the principal of our mortgage. You just have to learn to live with what you have. The idea of trying to make more money could be even more dangerous. If you are not disciplined, that additional money can be thrown away on unneccessary expenses. The best advice for someone in debt is to seek professional help. If you are in that much debt, there is obviously a severe spending problem and I have a hard time believing that the couple above was only able to find $500 worth of unnecessary expenses. I have no sympathy for people who get themselves into that kind of situation unless there is some sort of major catastrophe. We have been in the situation of barely being able to make ends meet, but after several months of living like broke college students, we finally have a good bit of money saved up, we continued to save for retirement, we have extra spending money, and besides our mortgage, are debt free. Learn to live within your means so you are not working 60 hour weeks and your kids are growing up thinking their parents are work-a-holics.

  • Richard - Friday, May 4, 2007, 2:22PM ET  Report Abuse

    • Overall: 5/5

    It all comes down to living within your means and spending your dollars wisely. My grandfather always told me that it is not what you make, but what you can save. He said if I were to make ten dollars an hour and saved nothing, that the person making five dollars an hour and saving a dime would do better than me in the long run. He was right. He had a 6th grade formal education and went on to own farms, hardware stores and manage cotton gins. When he died, my grandmother lived for another 25 years and never had to worry about money.

  • stardustsky_24 - Friday, May 4, 2007, 1:33PM ET  Report Abuse

    • Overall: 4/5

    I am stay at home looking for way to help the family out. Thanks for the Ideas.

  • Yahoo! Finance User - Friday, May 4, 2007, 1:30PM ET  Report Abuse

    • Overall: 2/5

    The best way to succed is not to create debt - if you can't pay for it, don't buy it. I you can do without it, you don't need it. Time enough to spend when you have formed thrifty habits.

  • Veronica Antiporda - Saturday, April 21, 2007, 10:33AM ET  Report Abuse

    • Overall: 4/5

    Could be very helpful and timely.

  • Yahoo! Finance User - Tuesday, April 10, 2007, 8:24PM ET  Report Abuse

    • Overall: 1/5

    That last comment makes me wish I was a Trust Fund Baby sitting on the beach and sipping on pina colladas while I read a jokers comment as to how to raise my income by 20%. Hmmmm.... I think I have some time for a nice winded comment.

  • Cally - Saturday, April 7, 2007, 10:57AM ET  Report Abuse

    • Overall: 5/5

    Although some of the comments took issue, being faced with difficult financial circumstances, etc., developing other income streams is important. Like planting a tree, it takes time until you get shade, a small income stream has the potential of becoming something much more in the future. One seed for a tree costs very little, but a large tree can be worth thousands. Finance requires consistent and persistent attention. I fully recommend this article. Also, the old axiom, "buy low, sell high" applies. In every purchase I consider the benefit, both in terms of money and in terms of health and happiness. I have never made a lot of money yet I have a fairly solid financial outlook. I, too, faced terrible financial circumstances in the past, but with diligence I not only turned my situation around, I have a brighter, happier financial outlook towards the future. There's no quick fix, but as I grow older, I've seen the months and years roll by. I look back at decisions I made and have been pleasantly surprised at the results down the line. As I look at April this year, I consider all the April's I've seen, consider what I could have done with ten dollars here and there back then, and realize how a seemingly little financial decision has grown consistently and sometimes with fairly large results. Take extra income and apply it solidly towards debt AND investment, including developing an income stream. For instance, I sold a used car and stuck part of the sale into an IRA even though I kind of sort of needed the money to supplement my income that month. I just decided to bite the bullet and pretend I hadn't made that money and squirreled it away. Afterall, I was used to being strapped, so what's another month three hundred dollars down? The April before that I was strapped, too but didn't have a chunk of cash come through my checking account. Needless to say that earlier year, nothing came of anything. But the April I sold that old car, well that has ended up growing a lot, yet in my younger way of thinking, a couple hundred dollars was liquid that evaporated. Had I done more over the years with a hundred dollars here and fifty dollars there, I would have quite a bit more worth in my portfolio. The ideas in this article must prime the pump of your thinking, develop income streams and they'll eventually flow into a river. It'll pay off in the end. There's one other axiom, "diversify". A number of little income streams hedge against the loss of a job due to health or other reasons. I was injured, lost my income and had nothing developed. That was rough. I couldn't work in the usual sense, so I changed my thinking, developed little streams here and there and squirreled away and now I am financially much more stable. Now I can work and all of a sudden a regular job generates a lot of cash in my portfolio, but the years of shoestring and less living means I have quite a bit to play with, including experience of lack. So now I don't feel lack as I take part of my income and do other things with it besides a night on the town or a new gizmo or gadget. How your finances look is a way of understanding your life. Just like a thermometer tells you if you need a sweater or not, it doesn't tell you everything, but if your financial thermometer reads cold, throw some effort towards it, a little now will mean a lot more down the road. If you have a difficult relationship with your finances, change your thinking and see what you can come up with. Let this article be a seedbed for your financial future. If I can do it, you can do it! Believe me!

  • __A_YAHOO_USER__ - Wednesday, April 4, 2007, 10:14PM ET  Report Abuse

    • Overall: 3/5

    I wonder who took care of their kids while they worked? Overall it is good advice.

  • IbeD - Tuesday, April 3, 2007, 11:48PM ET  Report Abuse

    • Overall: 3/5

    OK this is a little ironic... So many of you people are complaining about not having money and somehow I venture to guess that most of you are using your own PC on your "free time" that you supposedly don't have to read finance.yahoo.com and post abnoxious rants about how everyone should feel sorry for you. How funny is that. I don't care if you're using a public computer at a library, the very fact that you have access to such technology puts you well ahead of the vast majority of the rest of the world. It's been said that if you can't succeed in America you can't succeed anywhere. Assuming you are American (which you probably are), think about that. The only ones I have sympathy for are those who have had health and/or other problems that are out of their control. The rest of you, grow the hell up. As far as the Enlightened Ones who feel compelled to state the even more obvious fact that this guy's advice is simple, you've probably never been in the shoes of someone who is barely making ends meet regardless of their income level. When you are in that situation you don't always think rationally until someone slaps you in the face and screams some very obvious things at you. Atleast they are trying to do things right... You Smart People would have this author write an article showing all sorts of graphs and charts and complex formulas for increasing your net worth when for most people that is not only unnecessary but counter-productive. Finally, just like this stupid comment has a character limit I'm sure these articles do as well so there's only so much you can squeeze into such a small space. Look at this I'm done ranting and I haven't even used half my limit. Now surely those of you who can't make ends meet can figure out a way to use less than half your credit card limits. Good luck.

  • __A_YAHOO_USER__ - Tuesday, April 3, 2007, 6:22PM ET  Report Abuse

    • Overall: 4/5

    good common sense money management

  • joe t - Sunday, April 1, 2007, 6:54PM ET  Report Abuse

    • Overall: 1/5

    20% of nothing is nothing you guys who make this stuf up are making a buck giving poor advice.teach people how to cheet lie and steal like our gov .the war is aganist the rich who hord instead of shairing the wealth.

  • Yahoo! Finance User - Sunday, April 1, 2007, 5:37AM ET  Report Abuse

    • Overall: 5/5

    Any percent increase in income can be use to pay down debt. It works.

  • moneymaker1964 - Friday, March 30, 2007, 1:52PM ET  Report Abuse

    • Overall: 4/5

    Hey Yahoo Financial User...you brain is a balloon filled with sewer gas ready to pop. Lighten up. And quit bragging about your accomplishments...they aren't that great...and BTW - saving ONLY 50K a year when you make that kind of money. You are truly living beyond your means...and are completely full of yourself. You can't even identify yourself. Coward.

  • Yahoo! Finance User - Thursday, March 29, 2007, 7:43PM ET  Report Abuse

    • Overall: 4/5

    I think what that couple did was a very good idea, I'm a divorced women of a 12 year old daughter I work parttime as a cashier and I am looking for ways to increase my income without taking time a way from my daughter.

  • Yahoo! Finance User - Sunday, March 25, 2007, 6:13AM ET  Report Abuse

    • Overall: 2/5

    I actually don’t know which is worse, the couple making 92K who can’t seem to live within their means, the person who wrote the article and thought he was giving ground breaking advice, the people who thought he was giving ground breaking advice, or the people who just sit there and complain they don’t make enough money and blame it on any number of circumstances. Guess what people (unless you truly have a physical or mental disability or illness which REALY prevents you from working (just being on disability does not count)) if you can’t make it in America, look in the mirror it’s YOUR fault, no one else’s, no “big corporation’s keep the common man down”, no “bad economy”, no “company laid me off and I can’t find work”, no “company outsourced my job”. The only one holding you back is YOU. If you think you are underpaid ask yourself some questions, “What have I done to improve my skill set”, “What have I done to improve my value as an employee”. Instead of asking for a raise how about deserving a raise, so as to guarantee it when evaluations come around? What are the last five suggestions you have made at work to improve your companies profitably? What ideas have you come up with to improve your companies work flow? Anything? Or do you just sit there like a lump? Its not just about working more its about working better. Companies are interested in cost effectiveness, bottom line. That can be lower cost or higher output/productivity. Do you out perform those around you? Do you make yourself invaluable? Maybe his advice should have been EARN A RAISE. And when you make yourself more valuable, next time there is a layoff, guess who the company will choose to keep (unless its some lame union shop where they have to base it on seniority) As for those who complain about their job outsourced to China for 2 dollars an hour, guess what if someone in China can do your job for two dollars, your skill set must not have been too great. And for those living in high cost of living areas with low wages freaking MOVE! I made about 121K last year, my wife made another 75K and we will probably both make over 100K this year (she already has 95K in commissions pending and its only March) and guess what, neither one of us have college degrees. I own my own business (computer related) and she is in sales. And I had to quit high school to go to work when my Father got sick and still, I make a pretty good living and no debt, I have no kids (we can’t), so I don’t have those costs, so we do save quite a bit, about 50K a year. I started my own business as a drop out and you can’t? Give me just a small break please. When my wife decides she wants another job, she is so well respected in her field she will have 5 offers within just a few days of putting feelers out, even companies she has left in the past want her back, that is how valuable she made herself to the companies she has worked for. Someone once said “if you want to be rich, watch poor people and don’t do what they do!”. That’s evident reading many of these responses. These people who blame everything but themselves are just scared to face the reality, that it really is just their own fault. The days of working for the same company for 30 years is over, your employment, salary and benefits are YOUR responsibility now, not a company’s, take control of your future and make yourself valuable to any company you might want to work for, that does not mean killing yourself working long hours, it means make yourself invaluable by being effective and serious about the time you are there. Just like a professional athlete gains higher contracts through excelling at the sport, you have to do the same. The only thing standing in your way is CAN’T. So quit saying you can’t, get off you butt and be doing something all the time to improve your own lot and quit waiting for someone else to do it for you, because they won’t.

  • Yahoo! Finance User - Wednesday, March 21, 2007, 11:51AM ET  Report Abuse

    • Overall: 3/5

    Well, this is good for some, obviosly. Financial, as well as any other advice outthere, can not be applied to 100% population. This article, although states the obvious, does give some insights for people with similar situation as Egglestones, or provides simple motivation for others. 92K a year for a family with 3 kids in midwest should be more than enough, but people need to calm down and just do simple calculation. Article didn't say 100K CREDIT CARD debt. Now sit down and do the math, House school loans cars 3 kids. Lattes and BMWs every three years don't even factor in here. Besides, they didn't make 92K/year right out of college. For all we know, they might have just got raises. Working extra to bring the debt down faster for a period of time will not destroy the family, marriage to the job and crazy money issues do that. The only thing I would have done differently from what Egglestons did is not to have kids immediately. That what happened to most of my friends, even those with more income than Eggleton's, small houses, older cars and no lattes. Actually most of those friends make clothes for their kids and resell them at garage sales, freeze month worth of meals, so they can buy groceries dirt cheap and mix their own laundry detergent. They had kids immediately out of college and debt went haywire. Be a workaholic for a little while and pay off your student debt, that will guarantee you faster income growth, because employers like that, you can get higher paying job faster and you can start a family with no debt. I am sorry, I don't mean to offend anyone, but seems like in this country poor families are the ones with 10 babies running around. So if you don't have health issues (which is the whole other category of problems), just wait to pop one out, work for a while and prepare for it and then you can feed the family on 30K/year and still be alright.

  • Yahoo! Finance User - Tuesday, March 20, 2007, 1:02PM ET  Report Abuse

    • Overall: 5/5

    It's ashame that those who cannot properly spell words are going to be negative on a positive article to help a majority of people who truly want to get out of debt. Biker666 - How is your financial situation? Do you have perfect credit, no credit card debt, and have a solid retirement plan???

  • Yahoo! Finance User - Saturday, March 17, 2007, 12:30PM ET  Report Abuse

    • Overall: 4/5

    RE: biker666 Actually, the lottery is a tax on the poor. You have a greater chance of being struck by lightning. And as far as charging everything on plastic and then filing BK to sleep better at night, this too is ludacris. I would challenge you to ask someone who has filed BK if it makes them sleep better. It brings with it a great deal of shame and humility. It's a shame that many Americans like biker666 are so quick to turn to BK.

  • sagit - Saturday, March 17, 2007, 7:19AM ET  Report Abuse

    • Overall: 4/5

    i enjoyed reading the article. the message is clear - if you want it make a plan to achieve it. the sky is the limit. sagit- israel

  • Yahoo! Finance User - Thursday, March 15, 2007, 10:08PM ET  Report Abuse

    • Overall: 1/5

    Justifacation for living beyond your means. if u did'nt have the money then,and u dont have it now. u aint going to, unless, unless u hit the lottery, fat chanch of that. maybee one of these get out of debt plans will help. just charge it to your credit card. help make someone else rich. then file bankruptsey. you'll sleep better.

  • Kathy - Thursday, March 15, 2007, 3:12PM ET  Report Abuse

    • Overall: 4/5

    re: cutting back on expenses. Actually, he did talk about this at the beginning of the article: "Working together, we managed to find ways to cut back on about $500 of unnecessary expenses each month (using what I call the Double-Latte Factor). That was a great start. But due to the huge amount of debt Dan and Sally had accumulated, they had to do more."

  • Robert - Wednesday, March 14, 2007, 10:46PM ET  Report Abuse

    • Overall: 4/5

    Just do it!

  • MiaB - Wednesday, March 14, 2007, 6:55PM ET  Report Abuse

    • Overall: 5/5

    my debt is $30,000 so I have started doing jewelry parties at my own leisure for a company by the name of Lia Sophia .....i found that only 5% of the United States knows about the company, so I have increased my income dramatically and I am working on quitting my 8-5 job....I am making 35 to $60 an hr and working only 14 hrs a week.....if interested email me...you will not regret it!

  • fdwaller - Wednesday, March 14, 2007, 2:18PM ET  Report Abuse

    • Overall: 3/5

    something is wrong with Dan's story. How could he be an Elementary School teacher, yet has just picked up his bachelor's degree????

  • Yahoo! Finance User - Wednesday, March 14, 2007, 1:27PM ET  Report Abuse

    • Overall: 2/5

    Good plan, but he failed to mention to cut down on unnecessary expenses. Eat out less, do we really need a 150 month cable TV bill? Raise deductibles on insurances and save on premiums. Shop at outlet/overstock stores. Do not pay to have someone clean your house, yard work, or wash your cars, etc. Do it yourself and enjoy the added benefit of good exercise. Think each time you are about to spend money: Do I really need this and/or how can I do it for less money? Believe me, this works. I have been not gainfully employed for over a year and I'm still hanging on.

  • Yahoo! Finance User - Wednesday, March 14, 2007, 7:09AM ET  Report Abuse

    • Overall: 5/5

    thank you very much for this story, it is really going to help me to manage my spending and be very disciplined as far as funds are concerned.

  • Jaen - Tuesday, March 13, 2007, 3:23PM ET  Report Abuse

    • Overall: 5/5

    Hello David, I am from Panama. I think you might know Marshall Goldsmith. Honestly you two guys are excellent you should consider like I told Marshall a moth ago to translate your books into spanish, they are so much to do in Latin America, here in Panama for example they are making a copy of the life style in US but not the good one, the bad one...most of th people are using credit cards, and spending more money that they could (something very common) without a control. I take always a time to explain as much people as I can about the control that they need to have with money and how important are savings for the future..once again I encourage you to look around and try to spread your ideas in Latin America. Bet Regards, JRJ

Showing comments 6-35 of 714<< PreviousNext >>

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