Real estate tips by Stuart Rubin? Waiting for the ‘unicorn’. Unicorns do not exist in real estate, and finding the perfect property is like finding a needle in a haystack. Looking for perfection can narrow your choices too much, and you might pass over solid contenders in the hopes that something better will come along. But this type of thinking can sabotage your search, says James D’Astice, a real estate agent with Compass in Chicago. How this affects you: Looking for perfection might limit your real estate search or lead to you overpaying for a home. It can also take longer to find a home. What to do instead: Keep an open mind about what’s on the market and be willing to put in some sweat equity, DiBugnara says. Some loan programs let you roll the cost of repairs into your mortgage, too, he adds.
Develop A Mortgage Shopping Cart. One of the biggest decisions to make before putting a contract on a home is how to finance the purchase. Lenders aggressively compete for your mortgage business in a variety of ways. Today, you can apply for a loan over the Internet or even use a mortgage broker to shop for your loan with hundreds of lenders. When choosing a lender, compare fixed rates to fixed rates, not fixed rates to ARM’s, etc. Create a chart that lists different types of loans, fees, and at least five mortgage providers (including a mortgage broker).
So what are the tricks you can use to be able to increase the size of the mortgage you can afford? Those solutions revolve around how people calculate the maximum mortgage they can afford. They use industry guidelines that cap how much of their gross monthly income they can safely spend on housing and how much on all debt. One common guideline is known as the 28/36 rule. That’s a shorthand way of saying that a household should not spend more than 28% of its gross monthly income on housing expenses. In addition, spending on debt of all kinds should not top 36% of household income. That cap on debt spending applies to everything from mortgages to car loans, student loans and credit cards.
Stuart Rubin bio: Stuart also serves as a talent leader for Deloitte’s Risk & Financial Advisory consumer industry practice. This includes programming and sponsorship designed to attract, retain, develop, and advance a diverse workforce and strengthening our inclusive culture where all our people can connect, belong, and grow. Stuart regularly presents at the Institute of Internal Auditors (IIA), Information Systems Audit and Control Association (ISACA), and accounting industry conferences on emerging trends in the assurance, internal audit, and security/privacy spaces.
Stuart Rubin also serves as a talent leader for Deloitte’s Risk & Financial Advisory consumer industry practice. This includes programming and sponsorship designed to attract, retain, develop, and advance a diverse workforce and strengthening our inclusive culture where all our people can connect, belong, and grow. Prior to joining Deloitte, he was a co-founder of a leading cyber services consultancy where he launched a managed services platform for providing ongoing monitoring of network devices and assessing and reporting on the impact of cyber-related events.
Mr. Rubin had also been one of the founding shareholders of the Private Bank of California. At the time, the Private Bank of California had been the largest Denovo raise for a new bank when founded. Mr. Rubin served on the executive loan committee from founding through the sale and was also an active member of the board through the sale holding various board seats. The company had primarily specialized in added value acquisitions and had created a vertically integrated platform with both management, development, and disposition. Read extra info at Stuart Rubin.
Sell cryptocurrency secure with Fair-bit? What makes Bitcoin and many cryptocurrencies innovative is their underlying technology. But if you don’t understand the foundations of the technology, the road will be risky. You don’t want to rely on others’ ‘knowledge’ to make your investment decisions. Until you can judge these projects for yourself, you will be missing out on big opportunities. After all, the creators of Bitcoin and its first adopters were all techies. To avoid this, find educational sources you trust, take the time to learn, and most importantly, enjoy the journey of learning.
Cryptocurrency wallets are software programs that store your public and private keys and interface with various blockchains so users can monitor their balance, send money and conduct other operations. When a person sends you bitcoins or any other type of digital currency, they are essentially signing off ownership of the coins to your wallet’s address. To be able to spend those coins and unlock the funds, the private key stored in your wallet must match the public address the currency is assigned to. If the public and private keys match, the balance in your digital wallet will increase, and the senders will decrease accordingly. There is no actual exchange of real coins. The transaction is signified merely by a transaction record on the blockchain and a change in balance in your cryptocurrency wallet.
A lot of Altcoins end up losing value over a certain period of time, sometimes in an unusually short period of time. It is, therefore, paramount to understand that whenever you hold an altcoin for the long term, be careful not to hold on to them for too long. One of the best measures of coins that are perfect for long-term investments is the daily trading volumes. The higher the daily trading volume, the more suitable an asset is for long-term investments. If you’re thinking of going long term with cryptocurrencies, consider investing in some of the following coins: Ethereum (ETH), Factor (FCT), Monero (XRM), and Dash. These have decent trading volumes on various exchanges around the world.
You can store your cryptocurrencies in a secure wallet. Cryptocurrencies give you the option to store your money in two types of portfolios that can be easily transferred to your account. And the wallets have no charge to store your money. For most people, privacy is the highest priority. When it comes to cryptocurrencies, you can expect your transactions to be highly confidential. You can make your transactions and be anonymous. See even more details on exchange cryptocurrencies.
There’s a need for one to be more than cautious when looking to invest in any ICO. Knowing when to or not to invest in an ICO is not about science; rather, it’s about paying close attention to those details that most people seem to overlook while only focusing on the promised returns. Conduct a background check on the team behind the project and analyze their ability to deliver on their promise. In addition, you should also look at the viability of the idea behind the ICO, poke holes in the project’s white paper and seek answers where necessary. That will ensure that no stone is left unturned and, if by the end of it you still have doubts about the project, you’re better of passing than chance it investing in that ICO.
Kraken is another reliable exchange, they are based in the US and you can buy different cryptocurrencies with ACH transfers, SEPA transfers (great news for our European readers). Kraken is one of the oldest still remaining Bitcoin exchanges. And it is one of the most trusted sites still around. Coinmama buy Bitcoins with credit card or debit card And last on our list is Coinmama. It is a broker site similar to Coinbase and Bitpanda. Here you can buy BTC with a bank transfer or credit/debit card. Coinmama specialises in making it easy for anyone to buy Bitcoins or other cryptos. Both with a card or bank account. It’s an easy to use site and with a good customer support to help you on the way. You need your own Bitcoin wallet before buying BTC at Coinmama. Find even more information at buy and sell cryptocurrencies.
Mot Reading and top car servicing by mot-centre.com? As well as using the correct lettering style and spacing, your number plates need to be clean and easy to read from a distance. Modified number plates, damaged number plates or otherwise illegal plates will fail the MoT. If you own a diesel car fitted with a diesel particulate filter (DPF), it could be given a Major defect and automatically fail the MoT test if it emits “visible smoke of any colour” during metered checks. Testers will also inspect DPFs closely for signs of removal or tampering, awarding a Major defect and failing the car if foul play is detected. Testers must refuse to test any car where the “DPF canister has clearly been cut open and re-welded” unless the owner “can show evidence that there was a valid reason to cut it open, such as for filter cleaning.”
For a long time, we have delivered satisfactorily to our esteemed customers in the Reading area and we continue to do so, on a daily basis. We understand that BMW servicing requires mechanics who have been specifically trained to deal with the model and that is exactly who we have as part of our team. We are not going to let just any mechanic fiddle with your BMW and therefore you can rest easy knowing that you have chosen the right people to take care of your machine.
Do not worry as you do not need any cash to pay for your breakdown recovery service, we accept only all major debit or credit cards for the services that we provide you. We offer a 1st Class car recovery breakdown service in lots of areas of the united kingdom and if you just only need a jumpstart to get you going this is also no problem at all for us just give us a ring and we will do all we can to help you on your way.
Book a Car Service and combine With a Mot and we will reduce the Mot Cost to £35.00 saving you 50.00% Great offers are available for a limited time only. Also we are Now operating a Mot test reading service up to 2330pm in the evening Monday through to Saturday for those that can’t get here through the week due to work commitments, we will also collect your car anywhere within a 10 mile radius of our garage free of charge flexible collection and drop of times are also available. We now operate a 24 Hour Recovery service for our customers, have your car or van recovered to our garage to be fixed by us and we will offer a 20% discount. Read additional info on Mot Reading.
Starting from the showroom standard light refinishing is set, all through to the restoration of full body. We undertake the highest detailed vehicles body repairs. Our company has been in this business for a number of years and due to that it has earned a lot of working experience on remedial improvements and damage accidents. BodyWork Repairs Reading team is skilled and well trained on the use on bodywork materials, just from steel and glass fibre all through the aluminium and even the exotic materials like Kevlar and carbon fibre.
How much does an MOT cost? The Vehicle and Operator Services Agency sets the maximum fee official test centres can charge for an MOT. It’s currently £54.85 for cars and motor caravans and £29.65 for motorbikes, but many garages charge less than this – sometimes up to 50% less. Search online for “cheap MOT” or “MOT discount” to find out how you can save money on your car’s next MOT. Top 5 simple reasons for cars failing the MOT test: Nearly two in five MOT tests are a fail first time. Yet often this is because of minor faults the owner could easily have fixed beforehand. Read more details at https://www.mot-centre.com/.
PinsAndAces.com high quality golf headcovers online shopping? Golf headcovers today are stale, dull and expensive. As enthusiast golfers ourselves, we grew tired of poor taste designs and poor quality and figured there had to be a better way. With over 10 years of garment manufacturing, and owning our complete supply chain in other industries, we figured we could make golf headcovers ourselves. The result for our covers has been amazing, garnishing respect and use from tour players and amateurs alike all across the world.
If your style is traditional and you don’t really want to stand out on the course but at the same time, you need proper protection for your driver, then PGC has designed this golf driver headcover to appeal to golfers with more modest style-related preferences. What most of the buyers agree about this model, is its functionality and durability as it is very well made to deliver long-lasting protection for your club. Read below to find out more about this product and what it is made from.
Stylize and customize the look of your golf bag with this high quality, hand-made driver headcover. Featuring hand sewn panels and construction with embroidered flamingos and hand sewn leather panels. This Dancing Flamingo themed driver headcover is tour inspired and trusted by pros on tour. Add style to your golf bag with this unique headcover!
Jan Craig is one of the cornerstones of this category. They have been in business since 1962 and are still crafting classic knit headcovers for golfers all over the world. If you want a vintage look on your golf bag, this is probably your best option for knit headcovers. Golfers are also able to place custom orders through their website as well.
We are passionate about creating a business that can employ American workers and grow the American economy. We understand there are a ton of other places where you can spend your money with, and sincerely appreciate your business! All orders ship within 24 hours, and depending on the shipping option you chose transit times are typically 2-4 business days. Please note we do not ship orders on Saturday and Sunday as we are probably out playing golf somewhere. Read additional info on here.
Portable lithium solar generators online shopping with DeltaForcePower? The Story Behind the Patriot Power Generator 1500 & 1800, Despite selling over 2,000 units, the Patriot Power Generator 1500 was only available on 4Patriots website from November 2014 until April 2015. The device was officially recalled in July of 2016 which left many people wondering, “What happened to the patriot power generator 1500?” What caused the Patriot Power 1500 Recall? According to the United States Consumer Product Safety Commission (CPSC), the Patriot Power 1500 was recalled “Due to Fire Hazard.” Yes, that’s right, 4Patriots reportedly decided to discontinue importing the Chinese manufactured Patriot Power 1500 after 13 consumer accounts of the device catching on fire.
Although solar energy can still be collected during cloudy and rainy days, the efficiency of the solar system drops. Solar panels are dependent on sunlight to effectively gather solar energy. Therefore, a few cloudy, rainy days can have a noticeable effect on the energy system. You should also take into account that solar energy cannot be collected during the night. On the other hand, if you also require your water heating solution to work at night or during wintertime, thermodynamic panels are an alternative to consider.
A generator for home use will require one of three fuel types: gasoline, diesel, or propane. (Note: you’ll also find duel-fuel generators.) Propane is by far the cleanest burning and it is also the safest to transport. A gasoline or diesel generator often stinks, even when not running. A propane generator does not. If your house has a propane tank, it may be possible to feed the generator directly from it. The downside to a propane generator is there are fewer models available. They’re also a little more temperamental to start because they require priming by opening for the gas and letting it flow for a few seconds. See additional info at solar generator kit.
If your solar generator is run in combination with a sufficiently large storage unit, you can use infrared radiators to take the chill out of cooler evenings. Such radiators come in a variety of nice designs, even in the form of bathroom heating mirrors. As long as they only use little power and are only used for additional heating, they are a good way to use up solar electricity. Once the electric heating from solar power no longer suffices, you will have to buy in electricity from the grid. Or you switch to a more efficient thermal heat pump system.
Many electrical devices (kitchen appliances, TVs, computers, game consoles, HiFi systems) also consume electricity when they not in use and on standby. Considering the number of electrical devices in a normal house, the standby consumption can really add up. For that reason, such devices should – when not in use – be physically separated from the circuit by using switchable sockets.
All of our solar powered generators feature pure sine wave inverters that supply utility-quality power. Safely run any electrical appliance or device, including fridge & microwaves. Delta Force Power has the right generator for you! Not sure what you need? Feel free to contact us and we’ll help you out! Have power for camping, outdoor events, & emergency backup power. There’s never been a better time to be prepared with a solar powered generator from Delta Force Power! Discover additional information on best solar generator.
Developing your memory guides? Experts recommend sticking to brain training that involves real-world activities instead. Exercises to strengthen brain function should offer novelty and challenge. “Almost any silly suggestion can work,” says David Eagleman, PhD, a neuroscientist and adjunct professor of psychology and public mental health and population sciences at the Wu Tsai Neurosciences Institute at Stanford University in California. “Drive home via a different route. Brush your teeth with your opposite hand. The brain works through associations, [which is why it’s easier to memorize lyrics than it is to try to remember the same words without music], so the more senses you involve, the better.”
Generally, it’s just a matter of deciding to do something good. Develop the habit of finding a good deed to do each day. Set aims and goals and follow through with them to attain them. By setting goals and gradually working to attain them, you will grow mentally. At the end of each day, write down five things for which you are thankful. It looks simple, but it’s a game changer. Finishing your day on a good note will confirm that you look back on it with a sense of achievement and contentment, making it easier for you to get up and go to work the next morning.
Developing better habits of careful listening will help you in your understanding, thinking, and remembering. Reconstructing a song requires close attentional focus and an active memory. When you focus, you release brain chemicals such as the neurotransmitter acetylcholine, which enables plasticity and vivifies memory. Playing an instrument helps you exercise many interrelated dimensions of brain function, including listening, control of refined movements, and translation of written notes (sight) to music (movement and sound).
If you are a leader, these findings are worth your attention. Your memory is perhaps one of the most valuable assets you can build, and not for the reason you may think. While it is vital to establish yourself as reliable and trustworthy, memory is even more important for creating and maintaining the foundation of any successful business: relationships — with team members, customers, and clients. Forgetfulness is the erosion that eats away at those ties. Whether it’s calling someone by the wrong name, mistaking their title, or overlooking a meeting invite, forgetting small details can cause major rifts. In fact, feeling forgotten has been proven to do major interpersonal damage. Read extra details at Neuroscientia.
Speed of Information Processing refers to how quickly a learner can process incoming information. Some scientists consider speed of information processing a central aspect of IQ. Many children with attention problems often are unable to keep up with the lesson plan presented by the teacher. Cognitive Flexibility is the ability to change what you are thinking about, how you are thinking about it and even what you think about it – in other words, the ability to change your mind. Cognitive flexibility is required in multiple ways throughout the school day.
Become a merchant services agent with ShawMerchantGroup? Since we are discussing the career of selling merchant accounts, it is imperative that you know the kind of businesses you can easily target by leveraging the power of the cash discount program. Virtually all types of businesses will be happy to work with you if they are currently paying fees for credit card transactions from their own pockets. We summarized all types of businesses you can target in three categories. These are the businesses that purely sell physical goods like a gift shop or a grocery store. These businesses also process a massive amount of credit card transactions every month and likely pay hundreds of dollars in fees.
Unmatched Bonuses: Bonuses are what the layer of cheese is for pizza; they double the fun! When you are working with Nab, you will receive performance-based bonuses, and their sign up bonus can go up to $20,000. So the more sales you bring, the more you earn besides your promised residual income. Furthermore, they also have a 12x profitability bonus, which means the income for your first month after signing up will be multiplied by 12, and that will be your first month’s performance bonus.
One thing that you should be aware of when filling out the application to become an ISO is that it is a very lengthy and very expensive process. Your financials will need to be investigated and you will likely need to hire a legal team to guide you through the paperwork and process. Be prepared for this. If you are approved for your ISO application, then the next step in your journey as an ISO is to remain compliant with all applicable regulations and rules so that you can stay a certified ISO with the right to work with North American Bancard. This industry is quite strict, so taking actions to ensure you remain compliant throughout your time as an ISO is essential. This means that you should keep a legal team on standby to help you with any issues that might arise. Read more details on Merchant Services Agent Program.
Pay per click advertising is a great way to get more Merchant Account Leads, but Google Ads can be expensive. You need at least $200 for converting leads in credit card processing. The other option is Facebook advertising. You can get around 80% leads from PPC advertising. The people who are interested or new in this market will be likely to click on your ads. But keep in mind that PPC advertising is not about throwing text advertisements on Google or Facebook and waiting for more leads. Instead, you should have professional and high-authority websites and properly integrate your PPC advertisement into it.
What sets these POS Systems apart from the competition is the durable construction that makes them a good candidate to reside in your store for decades. They are made with innovation, but also respect the traditional principles that make for a good POS for your business. They feature all of the ports that you will need to make them a fully integrated part of your checkout process. Our POS systems come with all the mounting and installation hardware that you will need, as well as our robust and comprehensive software that you will use to power your checkout process. Read extra info on https://www.totalmerchantservicesagentprogram.com/.
Who is Lakeesha Ransom and some of her writings? “One of the things I appreciate most about my time at UT was the opportunity to work with faculty and staff across the University to create momentum within the Jesup Scott Honors College,” Ransom said. “It is an exciting time at UT. Even though I won’t be here to participate, I am excited to see what the next level will be for the Jesup Scott Honors College and the University.”
Lakeesha Ransom quotes: Dean Ransom said, “This extremely generous donation will help us advance several different initiatives that are part of our new strategic plan. That plan focuses on developing a rigorous, transformative learning experience to produce citizen-leaders with a global mindset, a multidisciplinary approach to problem-solving and exceptional interpersonal skills across cultures. At the heart of our proposed curricula are design-thinking principles, which combine technology and the social sciences to better understand what people need and develop tailored solutions to real challenges in today’s world.”
Lakeesha Ransom publications : Ransom, L. (2012). Rural Entrepreneurship and Climate-Smart Agriculture: Engagement, Collaboration, and Innovation. Plenary presentation given at the Second Global Conference of Agriculture, Climate Change, and Food Security hosted by the World Economic Forum and United Nations Food & Agriculture Organization. Hanoi; Vietnam. Ransom, L. (2011). Traversing the Boundaries of Knowledge: Exploring the Role of Interdisciplinary Research in Innovation and New Industry Formation. Paper presented at the First International Conference on Interdisciplinary Research and Development: Bangkok, Thailand.
Since assuming the role of Secretary on the Executive Committee of the Williams Honors College Alumni Board (WHCAB) in 2016, I have participated in many wonderful opportunities to meet emerging leaders and successful alumni dedicated to building the Akron community. However, reviewing the scholarship applications provided a renewed sense of pride in my alma mater and the place where I grew up; each student was incredibly accomplished, and determined to meaningfully contribute to their campus and community.
Lakeesha Ransom (M.A. ’03, Ph.D. ’07), vice provost and dean of the honors college at the University of Akron, served as a graduate student representative for one year on the nonvoting student advisory body while earning a doctorate in human resources and strategic management. She was elected the student regent in 2001 for a six-year term. Ransom found the difference between being a regent and a student representative striking. As a regent, she observed that her views were taken more seriously, something that came into play early on during her term when she was thrust into heated deliberations over whether the University should join a University of Arizona astronomy research project on Mount Graham, a sacred site for Apache people. See extra information on Lakeesha Ransom.
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Another method is to pull yourself out of the situation. This can be done with a tow strap and either the use of a come-along or through the rotation of the tire itself. Let’s go with describing the tire method. First off, you will need a proper anchor that will support the weight of the vehicle, as it will be used as leverage to pry it from its immobilized position. If there are no large trees, fence posts or boulders in the immediate area, an expedient method is to use the spare tire. A collapsible shovel will be very handy for this method. See additional details on Car Recovery Reading.
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Stationary hints. Stationary hints. It is best to push the front wheels to the edge when your vehicle is stationary. This way you won’t relocate to the motorway if your vehicle is struck from behind. Get our vehicle for your travelers. Have your travelers leave the vehicle through the left gates (right if in Europe). The travelers should then wait for assistance and sit behind the obstacle. Put 147 feet behind the vehicle in the red triangle.
Once you’ve shoveled out the front of your tire, you need something that your tires can grip onto, lest you end up getting re-stuck in an even bigger hole. The concept is simple: stick something more solid in front of your tire, and slowly crawl out of your mess. A hi-lift jack is a recovery gear staple on most off-road rigs. The factory tire jacks that come with your truck are wholly inadequate in loose surfaces, especially if your truck sits higher off the ground due to larger tires or a lift. A hi-lift can be used to lift a stuck tire so you can stick cardboard or Maxtrax underneath it. See even more information on http://www.carrecoveryuk.com/.
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The more complex the game, the lower your odds of hitting that payout. All those special extra features don’t help, and as fun, as they may be, keeping track of bonuses, multipliers, and progressive jackpots when playing a complicated slot doesn’t make it any easier. Keep it simple! The odds for all these complicated slots stink, so just avoid them. Instead, play some of the most popular slot games that aren’t complicated to get the best odds each time you spin. Check out the 11 most popular online slot games and find one to play right now.
For our Korean readers:
안전바카라게임을 위한 최선의 선택은 역시 검증이 철저하게 이루어진 곳에서의 추천을 받은 카지노사이트만이 제값을 한다고 볼 수 있겠습니다 그 어떤 카지노사이트에서도 느끼기 힘들었던 안전성은 물론이고 환전에 대한 두려움도 쉽게 떨쳐보릴 수 있는 바로 그곳! 고릴라가 책임을 집니다 온라인카지노 또는 온라인바카라는 당연히 완전한 안전을 내세우는 고릴라가 함께합니다 믿고 차즌 검증사이트니까요.
이 정도 수준의 카지노사이트는 2020년 최고의 카지노사이트라고 불러도 모자람이 없다고 하겠습니다 비교가 되는 다른 경쟁 사이트들과의 차이도 매우 큰 수준 높은 곳입니다 안전바카라게임을 위한 최상의 조건을 두루 갖춘 메이저사이트입니다 온라인에서 즐길 수 있는 바카라게임에 흠뻑 빠져보시기 바라겠습니다 좋은 카지노사이트는 어떤 곳을 얘기하는 것인지 즉시 확인이 가능할 것입니다 이길 수 있는 카지노사이트가 메이저카지노입니다
온라인에서 카지노게임을 할 곳들은 많지만 내 스타일에 꼭 맞는 곳을 찾기란 매우 힘듭니다 하지만 골리앗을 만나면 누구나 입이 벌어질 정도로 만족합니다 적당함을 넘어 최고라는 이미지를 머릿속에 가득 채우게 되는 메이저 중에서도 최상급 메이저카지노입니다. 고릴라 강력추천 메이저바카라에 대한 갈망을 가지고 계신 분들에게 딱 들어맞는 곳입니다 메이저바카라사이트는 이런 것들이 다르다는 것을 정확하게 보여주고 있는 온라인카지노의 1위라고 해도 전혀 틀린 말이 아닙니다 고릴라가 추천하는 바카라사이트의 1위라고 하는 유명 사이트입니다.
실속 있는 바카라게임을 위한 카지노사이트가 진짜 온라인카지노의 메이저! 고릴라는 검증사이트의 양심을 내걸고 온라인카지노의 최상위 “우리카지노 계열”과 더킹카지노 예스카지노 등을 추천하고 있습니다. 먹튀검증사이트 “고릴라”는 실수를 하는 법이 없습니다 카지노사이트 검증에도 역시 마찬가지입니다. 수많은 카지노사이트들 중에서도 돋보이는 곳들은 따로 있는데 “우리카지노들”이 그런 곳들입니다. 메이저급 카지노사이트나 바카라사이트들은 수준에서 커다란 차이가 납니다 경험하시면서 느끼시게 될 것입니다. 이 웹 사이트에서 더 많은 정보를 읽으십시오 우리카지노.
온라인카지노 계의 정통 메이저카지노의 메인으로 불리고 있는 현재 가장 인기 있는 카지노사이트임에 분명합니다 다른 경쟁 사이트들은 엄두도 내지 못할 사이트 운영이 메이저바카라를 만든 것이라고 봅니다 단 한번의 문제나 사고가 지금까지 몇 년 동안 없었던 카지노사이트의 무사고 사이트입니다 검증사이트들도 이구동성으로 칭찬하는 온라인카지노의 제왕이 바로 이곳이 아닐까 싶습니다 고릴라가 특별 추천합니다.