tag:blogger.com,1999:blog-66783793356983052612012-02-16T06:22:02.350-08:00Writer and EditorColleen Mulder-Sewardhttp://www.blogger.com/profile/09189911980726655745noreply@blogger.comBlogger241100tag:blogger.com,1999:blog-6678379335698305261.post-81777500659812540032007-06-14T11:35:00.001-07:002007-06-14T12:06:16.451-07:00<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://www.betterinvesting.org/NR/rdonlyres/6DDC1CB9-8B07-43D8-83D5-D6F3C4B9DBF4/0/1260707.gif"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer; width: 119px; height: 161px;" src="http://www.betterinvesting.org/NR/rdonlyres/6DDC1CB9-8B07-43D8-83D5-D6F3C4B9DBF4/0/1260707.gif" alt="" border="0" /></a><br />The power to compute your club's performance compared with leading indexes is easier than you think. Readers are taken step-by-step through the process of calculating their IRR.<div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6678379335698305261-8177750065981254003?l=colleenmulder-seward.blogspot.com' alt='' /></div>Colleen Mulder-Sewardhttp://www.blogger.com/profile/09189911980726655745noreply@blogger.comtag:blogger.com,1999:blog-6678379335698305261.post-33897890508803282792007-05-17T10:40:00.003-07:002008-12-08T21:40:54.255-08:00<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://2.bp.blogspot.com/_famoFCrN_l4/RlEkoz07-_I/AAAAAAAAABQ/wMzlewFrI7M/s1600-h/BICoverJune2007.jpg"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer; width: 120px; height: 164px;" src="http://2.bp.blogspot.com/_famoFCrN_l4/RlEkoz07-_I/AAAAAAAAABQ/wMzlewFrI7M/s200/BICoverJune2007.jpg" alt="" id="BLOGGER_PHOTO_ID_5066871339294129138" border="0" /></a><br /><strong style="font-weight: normal;">Women Advancing Their Monetary Assets is a active club that has shared their investing education with their the community. If you want to keep up with these ladies, you better be prepared to work and play hard.</strong><span style="color: rgb(51, 204, 0);"><br /><br />Available for reprint.</span><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6678379335698305261-3389789050880328279?l=colleenmulder-seward.blogspot.com' alt='' /></div>Colleen Mulder-Sewardhttp://www.blogger.com/profile/09189911980726655745noreply@blogger.comtag:blogger.com,1999:blog-6678379335698305261.post-60593062249474623192007-05-17T10:40:00.001-07:002007-05-20T21:49:30.828-07:00<strong style="font-weight: normal;">The <span class="blsp-spelling-error" id="SPELLING_ERROR_0">Mustardseeds</span> Investment Club, </strong>runner-up in the 2006 Value Line Investment Club Performance Award, share their <span class="blsp-spelling-corrected" id="SPELLING_ERROR_1">wisdom</span> for keeping a club intact across long distances.<br /><br /><span style="color: rgb(51, 204, 0);">Available for reprint.</span><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6678379335698305261-6059306224947462319?l=colleenmulder-seward.blogspot.com' alt='' /></div>Colleen Mulder-Sewardhttp://www.blogger.com/profile/09189911980726655745noreply@blogger.comtag:blogger.com,1999:blog-6678379335698305261.post-44987565025469017472007-05-17T10:39:00.005-07:002008-12-08T21:40:54.437-08:00<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://4.bp.blogspot.com/_famoFCrN_l4/RlElnT07_AI/AAAAAAAAABY/BA7DGoC59jA/s1600-h/BICoverApril2007.jpg"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer; width: 120px; height: 160px;" src="http://4.bp.blogspot.com/_famoFCrN_l4/RlElnT07_AI/AAAAAAAAABY/BA7DGoC59jA/s200/BICoverApril2007.jpg" alt="" id="BLOGGER_PHOTO_ID_5066872413035953154" border="0" /></a><br /><strong style="font-weight: normal;">The Central Oklahoma Investment Club of <span class="blsp-spelling-error" id="SPELLING_ERROR_0">Chickasha</span>, winner of the 2006 Value Line Investment Club Performance Award, shares its best practices. </strong><br /><br /><span style="color: rgb(51, 204, 0);">Available for reprint.</span><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6678379335698305261-4498756502546901747?l=colleenmulder-seward.blogspot.com' alt='' /></div>Colleen Mulder-Sewardhttp://www.blogger.com/profile/09189911980726655745noreply@blogger.comtag:blogger.com,1999:blog-6678379335698305261.post-9427616180224429362007-05-17T10:39:00.003-07:002007-05-20T21:53:13.815-07:00<strong style="font-weight: normal;">Making small mistakes with taxes can cost an investment club plenty. Tips for avoiding mistakes are given, including what to do if a club has already made the mistake.</strong><br /><br /><span style="color: rgb(51, 204, 0);">Available for reprint.</span><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6678379335698305261-942761618022442936?l=colleenmulder-seward.blogspot.com' alt='' /></div>Colleen Mulder-Sewardhttp://www.blogger.com/profile/09189911980726655745noreply@blogger.comtag:blogger.com,1999:blog-6678379335698305261.post-8087371829888642442007-05-17T10:39:00.001-07:002008-12-08T21:40:54.587-08:00<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://4.bp.blogspot.com/_famoFCrN_l4/RlEmYT07_BI/AAAAAAAAABg/3bstVDM9iII/s1600-h/BICoverFeb2007.gif"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer; width: 120px; height: 164px;" src="http://4.bp.blogspot.com/_famoFCrN_l4/RlEmYT07_BI/AAAAAAAAABg/3bstVDM9iII/s200/BICoverFeb2007.gif" alt="" id="BLOGGER_PHOTO_ID_5066873254849543186" border="0" /></a><br />This intense article explains why it may not be wise to cover all areas of the investment clubs business at every meeting. Easy to use guidelines are provided from the tremendously successful Mid-Michigan Model Investment Club.<br /><br /><span style="color: rgb(51, 204, 0);">Available for reprint.</span><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6678379335698305261-808737182988864244?l=colleenmulder-seward.blogspot.com' alt='' /></div>Colleen Mulder-Sewardhttp://www.blogger.com/profile/09189911980726655745noreply@blogger.comtag:blogger.com,1999:blog-6678379335698305261.post-51970451443653430032007-05-17T10:38:00.003-07:002007-05-20T21:56:52.200-07:00Socially responsible investing (SRI) takes into consideration more than just one bottom line. SRI is defined and guideance is given to those clubs who want to invest with social responsiblity in mind.<br /><br /><span style="color: rgb(51, 204, 0);">Available for reprint.</span><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6678379335698305261-5197045144365343003?l=colleenmulder-seward.blogspot.com' alt='' /></div>Colleen Mulder-Sewardhttp://www.blogger.com/profile/09189911980726655745noreply@blogger.comtag:blogger.com,1999:blog-6678379335698305261.post-46616529911359308792007-05-17T10:38:00.001-07:002007-05-20T21:57:12.242-07:00<strong style="font-weight: normal;">This profile of The Cross Country Investment Club reveals sage advice for those clubs looking to take the plunge, or at least dip their toes, into the world of online investment clubs.</strong><br /><br /><span style="color: rgb(51, 204, 0);">Available for reprint.</span><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6678379335698305261-4661652991135930879?l=colleenmulder-seward.blogspot.com' alt='' /></div>Colleen Mulder-Sewardhttp://www.blogger.com/profile/09189911980726655745noreply@blogger.comtag:blogger.com,1999:blog-6678379335698305261.post-15967810701502766722007-05-17T10:37:00.002-07:002007-05-20T21:57:34.351-07:00How to get a investment club online and concerns about safety are laid to rest in this informative article.<strong style="font-weight: normal;"></strong><br /><br /><span style="color: rgb(51, 204, 0);">Available for reprint.</span><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6678379335698305261-1596781070150276672?l=colleenmulder-seward.blogspot.com' alt='' /></div>Colleen Mulder-Sewardhttp://www.blogger.com/profile/09189911980726655745noreply@blogger.comtag:blogger.com,1999:blog-6678379335698305261.post-77723130618217387972007-05-17T10:37:00.001-07:002008-12-08T21:40:54.820-08:00<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://2.bp.blogspot.com/_famoFCrN_l4/RlEnZz07_CI/AAAAAAAAABo/ZfwbA2933Q0/s1600-h/BICoverOct2006.jpeg"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer; width: 120px; height: 162px;" src="http://2.bp.blogspot.com/_famoFCrN_l4/RlEnZz07_CI/AAAAAAAAABo/ZfwbA2933Q0/s200/BICoverOct2006.jpeg" alt="" id="BLOGGER_PHOTO_ID_5066874380130974754" border="0" /></a><br />The U.S. population has experienced a dramatic increase in its senior population. With advanced age comes an increased likelihood of a disability. The different types of impairments that may be encountered by investment clubs are detailed. Also, advice is given to avoid alienating club members with hearing or visual impairments.<br /><br /><span style="color: rgb(51, 204, 0);">Available for reprint.</span><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6678379335698305261-7772313061821738797?l=colleenmulder-seward.blogspot.com' alt='' /></div>Colleen Mulder-Sewardhttp://www.blogger.com/profile/09189911980726655745noreply@blogger.comtag:blogger.com,1999:blog-6678379335698305261.post-77824284055669201352007-05-17T10:36:00.004-07:002008-12-08T21:40:54.937-08:00<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://1.bp.blogspot.com/_famoFCrN_l4/RlEoTj07_DI/AAAAAAAAABw/3Ow-2Z-4sVU/s1600-h/BICoverSept2006.gif"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer; width: 120px; height: 160px;" src="http://1.bp.blogspot.com/_famoFCrN_l4/RlEoTj07_DI/AAAAAAAAABw/3Ow-2Z-4sVU/s200/BICoverSept2006.gif" alt="" id="BLOGGER_PHOTO_ID_5066875372268420146" border="0" /></a><br />Starting an investment club with just a few members does have its advantages. The Cash 22 investment club of Bloomfield Hills, Michigan is profiled as part of this incisive article.<br /><br /><span style="color: rgb(51, 204, 0);">Available for reprint.</span><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6678379335698305261-7782428405566920135?l=colleenmulder-seward.blogspot.com' alt='' /></div>Colleen Mulder-Sewardhttp://www.blogger.com/profile/09189911980726655745noreply@blogger.comtag:blogger.com,1999:blog-6678379335698305261.post-7774326823192667592007-05-17T10:36:00.003-07:002007-05-20T22:05:15.766-07:00This article is part 2 of a two-part series on selling stocks It details some of the key factors that may justify selling a stock.<br /><br /><span style="color: rgb(0, 153, 0);">Available for reprint.</span><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6678379335698305261-777432682319266759?l=colleenmulder-seward.blogspot.com' alt='' /></div>Colleen Mulder-Sewardhttp://www.blogger.com/profile/09189911980726655745noreply@blogger.comtag:blogger.com,1999:blog-6678379335698305261.post-26997524023072449522007-05-17T10:35:00.001-07:002008-12-08T21:40:55.069-08:00<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://1.bp.blogspot.com/_famoFCrN_l4/RlEpOj07_EI/AAAAAAAAAB4/zq5OMgaplG0/s1600-h/BICoverJuly2006.gif"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer; width: 120px; height: 164px;" src="http://1.bp.blogspot.com/_famoFCrN_l4/RlEpOj07_EI/AAAAAAAAAB4/zq5OMgaplG0/s200/BICoverJuly2006.gif" alt="" id="BLOGGER_PHOTO_ID_5066876385880702018" border="0" /></a><br />This feature-length article in part 1 of 2 that covers a brief overview of what to do before selling a stock, along with a summary of the eight reasons for doing so.<br /><br /><span style="color: rgb(0, 153, 0);">Available for reprint.</span><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6678379335698305261-2699752402307244952?l=colleenmulder-seward.blogspot.com' alt='' /></div>Colleen Mulder-Sewardhttp://www.blogger.com/profile/09189911980726655745noreply@blogger.comtag:blogger.com,1999:blog-6678379335698305261.post-89853495324885927032007-05-17T10:34:00.002-07:002008-12-08T21:40:55.202-08:00<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://4.bp.blogspot.com/_famoFCrN_l4/RlEpZT07_FI/AAAAAAAAACA/ut6uVAS1Xrs/s1600-h/BICoverJuly2006.gif"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer; width: 120px; height: 164px;" src="http://4.bp.blogspot.com/_famoFCrN_l4/RlEpZT07_FI/AAAAAAAAACA/ut6uVAS1Xrs/s200/BICoverJuly2006.gif" alt="" id="BLOGGER_PHOTO_ID_5066876570564295762" border="0" /></a><br />The Good Stewards, an award-winning investment club, is profiled in this insightful article.<br /><br /><span style="color: rgb(0, 153, 0);">Available for reprint.</span><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6678379335698305261-8985349532488592703?l=colleenmulder-seward.blogspot.com' alt='' /></div>Colleen Mulder-Sewardhttp://www.blogger.com/profile/09189911980726655745noreply@blogger.comtag:blogger.com,1999:blog-6678379335698305261.post-52217824162024106912007-05-17T10:34:00.001-07:002007-05-20T22:09:33.540-07:00Real Estate Investment Trusts (<span class="blsp-spelling-error" id="SPELLING_ERROR_0">REITs</span>) can be a great investment, but not for investment clubs. The complications can challenge even the most seasoned treasurer.<br /><br /><span style="color: rgb(0, 153, 0);">Available for reprint.</span><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6678379335698305261-5221782416202410691?l=colleenmulder-seward.blogspot.com' alt='' /></div>Colleen Mulder-Sewardhttp://www.blogger.com/profile/09189911980726655745noreply@blogger.comtag:blogger.com,1999:blog-6678379335698305261.post-90293387175750862562007-05-17T10:33:00.000-07:002007-05-20T22:10:05.491-07:00One of the toughest challenges faced by investment clubs is finding new members. New members are everywhere, you just need to be flexible to maximize the pool of investors from which to pick.<br /><br /><span style="color: rgb(0, 153, 0);">Available for reprint.</span><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6678379335698305261-9029338717575086256?l=colleenmulder-seward.blogspot.com' alt='' /></div>Colleen Mulder-Sewardhttp://www.blogger.com/profile/09189911980726655745noreply@blogger.comtag:blogger.com,1999:blog-6678379335698305261.post-50976478716977629672007-05-17T10:31:00.002-07:002007-05-20T22:10:42.658-07:00When inactive members are on a club's roster, the SEC takes notice. Simple steps investment clubs can take to avoid being considered an mutual fund by the SEC are revealed in this comprehensive article.<br /><br /><span style="color: rgb(0, 153, 0);">Available for reprint.</span><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6678379335698305261-5097647871697762967?l=colleenmulder-seward.blogspot.com' alt='' /></div>Colleen Mulder-Sewardhttp://www.blogger.com/profile/09189911980726655745noreply@blogger.com0tag:blogger.com,1999:blog-6678379335698305261.post-17977030125678196132007-05-17T10:31:00.001-07:002008-12-08T21:40:55.368-08:00<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://4.bp.blogspot.com/_famoFCrN_l4/RlEqfT07_GI/AAAAAAAAACI/Bbu2OPjFqIQ/s1600-h/BICoverMarch2006.jpeg"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer; width: 120px; height: 163px;" src="http://4.bp.blogspot.com/_famoFCrN_l4/RlEqfT07_GI/AAAAAAAAACI/Bbu2OPjFqIQ/s200/BICoverMarch2006.jpeg" alt="" id="BLOGGER_PHOTO_ID_5066877773155138658" border="0" /></a><br />Completing the necessary tax forms can seem overwhelming. This article simplifies the steps needed to file investment club tax forms properly.<br /><br /><span style="color: rgb(0, 153, 0);">Available for reprint.</span><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6678379335698305261-1797703012567819613?l=colleenmulder-seward.blogspot.com' alt='' /></div>Colleen Mulder-Sewardhttp://www.blogger.com/profile/09189911980726655745noreply@blogger.comtag:blogger.com,1999:blog-6678379335698305261.post-80366673995103663302007-05-17T10:30:00.004-07:002008-12-08T21:40:55.456-08:00<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://3.bp.blogspot.com/_famoFCrN_l4/RlEryD07_HI/AAAAAAAAACQ/3ssT_xWzuhk/s1600-h/BICoverFeb2006.gif"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer;" src="http://3.bp.blogspot.com/_famoFCrN_l4/RlEryD07_HI/AAAAAAAAACQ/3ssT_xWzuhk/s200/BICoverFeb2006.gif" alt="" id="BLOGGER_PHOTO_ID_5066879194789313650" border="0" /></a><br />When a member leaves a club, it can be disheartening to the remaining members. Advice on how to make the best decisions when faced with this situation are discussed.<br /><br /><span style="color: rgb(0, 153, 0);">Available for reprint.</span><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6678379335698305261-8036667399510366330?l=colleenmulder-seward.blogspot.com' alt='' /></div>Colleen Mulder-Sewardhttp://www.blogger.com/profile/09189911980726655745noreply@blogger.comtag:blogger.com,1999:blog-6678379335698305261.post-5610355048750967332007-05-17T10:30:00.003-07:002007-05-18T21:35:22.274-07:00<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://www.betterinvesting.org/NR/rdonlyres/3FC3596A-0628-4AAE-BA4C-405C2C3594C7/0/200601Focus.gif"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer; width: 117px; height: 160px;" src="http://www.betterinvesting.org/NR/rdonlyres/3FC3596A-0628-4AAE-BA4C-405C2C3594C7/0/200601Focus.gif" alt="" border="0" /></a>Giving a member's distribution to the wrong beneficiary can spell disaster. What every club needs to know to avoid this common problem is covered in this intense article.<br /><br /><span style="color: rgb(0, 153, 0);">Available for reprint.</span><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://www.betterinvesting.org/NR/rdonlyres/3FC3596A-0628-4AAE-BA4C-405C2C3594C7/0/200601Focus.gif"><br /></a><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6678379335698305261-561035504875096733?l=colleenmulder-seward.blogspot.com' alt='' /></div>Colleen Mulder-Sewardhttp://www.blogger.com/profile/09189911980726655745noreply@blogger.comtag:blogger.com,1999:blog-6678379335698305261.post-78969808250629926812007-05-17T10:30:00.001-07:002007-05-20T22:22:13.293-07:00This article explains the possible problems brought on by having a <span class="blsp-spelling-corrected" id="SPELLING_ERROR_0">Financial</span> Planner/Advisor or Broker as a investment club member.<br /><br /><span style="color: rgb(0, 153, 0);">Available for reprint.</span><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6678379335698305261-7896980825062992681?l=colleenmulder-seward.blogspot.com' alt='' /></div>Colleen Mulder-Sewardhttp://www.blogger.com/profile/09189911980726655745noreply@blogger.comtag:blogger.com,1999:blog-6678379335698305261.post-39220948021857751232007-05-17T10:29:00.000-07:002007-05-20T22:22:27.575-07:00Tips for finding the best financial institution for your investment club.<br /><br /><span style="color: rgb(0, 153, 0);">Available for reprint.</span><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6678379335698305261-3922094802185775123?l=colleenmulder-seward.blogspot.com' alt='' /></div>Colleen Mulder-Sewardhttp://www.blogger.com/profile/09189911980726655745noreply@blogger.comtag:blogger.com,1999:blog-6678379335698305261.post-63737028257846137242007-05-17T10:13:00.000-07:002007-05-20T22:22:48.435-07:00Benefits provided through a club's education program, including less obvious ones, are are covered in this article. Several innovative education alternatives are offered as well.<br /><br /><span style="color: rgb(0, 153, 0);">Available for reprint.</span><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6678379335698305261-6373702825784613724?l=colleenmulder-seward.blogspot.com' alt='' /></div>Colleen Mulder-Sewardhttp://www.blogger.com/profile/09189911980726655745noreply@blogger.comtag:blogger.com,1999:blog-6678379335698305261.post-61896136666076267232007-05-17T10:11:00.000-07:002007-05-20T22:23:08.790-07:00Covers the benefits and drawbacks to each business structure that is available to investment clubs.<br /><br /><span style="color: rgb(0, 204, 204);">Available for reprint.</span><br /><br /><span style="font-weight: bold;">Publication:</span> BetterInvesting<br /><span style="font-weight: bold;">Publication date:</span> September 2005<br /><span style="font-weight: bold;">Word Count:</span> 940<br /><span style="font-weight: bold;">Excerpt:</span> Congratulations in taking the investment club plunge.There are six choices for investment clubs to choose from when forming a legal business entity. Each one has its own unique benefits and drawbacks. While most investment clubs are structured as...<div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6678379335698305261-6189613666607626723?l=colleenmulder-seward.blogspot.com' alt='' /></div>Colleen Mulder-Sewardhttp://www.blogger.com/profile/09189911980726655745noreply@blogger.com