profitable

A question from a reader:”Why is Married Filing Separately such a bad thing?  What happens if the marriage just isn’t working out?”

My answer is that this question gives me the perfect opportunity to get my comic strip chops working again. Okay, the drawings are bad but the content is funny. I have already been told that I have a bleak outlook on the institution of marriage. Not at all. I just see the humor of it in my own life and in others who are getting their taxes done. My wife laughed at it. She is one of my biggest critics so I might be onto something getting in shape for my graphic novel.

Back to the question…

Married Filing Separately does not allow the person (or persons) filing to maximize the deductions, credits, etc that they could get by either trying to see if they can put aside their differences one last time for tax purposes by filing Married Filing Jointly (MFJ). Don’t get me wrong, there may be very valid reasons for people to want to avoid filing with a spouse - they have left him/her, the spouse was discovered doing something illegal, etc. The unfortunate thing is that in community property states you may have problems that filing Married Filing Separately (MFS) won’t help with.

You start getting into “first strike” tax filing where whoever files first gets to call the shots for the other spouse.  What does that mean?  If the first spouse files and itemizes, that forces the other spouse to itemize even if that spouse didn’t have enough deductions and was better off taking the standard deduction.  In California because of it’s particular community property laws, you divide the Schedule A items in half evenly unless there were separate items brought into the marriage beforehand, etc. A lot of credits get thrown out of the window immediately and by virtue of filing MFS you throw yourself into a tax bracket that ends up paying more money.  Ugh.

Shared property or community property is a very big issue to take into account as well.  What factors should you consider to determine if community property rules apply? 

The three primary factors that IRS examiners look at are: 

1. Is there a legal marriage?
2. Are the spouses domiciled in a community property state?
3. Was the property acquired before (or after) the spouses were subject to community property laws?

This is just the tip of the iceberg. Where people live or domicle comes into play as well. 
Why is domicile so important?  

Whether you have community property and community income depends on the law in the state where you maintain your domicile.  For example, if you earn a pension while domiciled in Texas, future distributions from the pension will be community income.  The pension is community property to the extent it was earned while your domicile was in Texas. If you earned the pension while domiciled in Oregon, distributions will be separate income.

For now, as of this post, you also have to mail in Married Filing Separtely returns in the state of California. You cannot electronically file them so that would delay getting a refund.

To answer your second question, if the marriage isn’t working out, the couple (or at least one party in the relationship) is probably trying very hard to get out of the situation similar to a coyote gnawing off his or her leg to escape a trap. There may be financial reasons or social-family reasons that the divorce just can’t happen yet. It isn’t from lack of trying from one or both of the parties, it is just that the realities of the situation may not allow it to happen yet for whatever reason.

It is also a good idea to not listen to bad advice about MFS.  There seems to be a great deal of it out there. If you take away nothing else from this article, make sure that you talk about money, relationships, your spending habits and everything else with your potential soulmate before you get married.  It will save you time, aggrevation, alimony, child support, restraining orders and perhaps a felony charge or two.

Practical Money Making-Surviving Recession, Layoffs, Credit Problems, Generating Passive Income Streams, Working Full Time or Part Time and Retirement

Kim Isaac Greenblatt

Married Filing Separately and the first Taxing Funnies comic.

Question for Kim:”I am dying here financially.  I don’t have a lot of money in savings and I am out of work.  Kim, help me.  I am burning through my savings and freaking out.  I am drowning and need help.”

You are not alone.

My answer is the first priority is to not freak out.  Easier said than done, I know, I know.  If you stop and think about it though, the same advice holds true in real water as in financial waters.  If you lose your head, you drown.  I’ve been in that situation, most of us these days are in it or getting into it and you have to keep your head during these dismal financial times. 

If there is anything that you can do to renegotiate debt terms with your creditors and bill collectors try and do that.  If you are dealing with utilities that are providing you with heat, water, sanitation services, call them and try to work out some sort of payments.  You don’t want to be in a dark, cold house.  Like being stuck in the real ocean, you need to do what you can for now to surface and start treading water.

During the Great Depression, banks didn’t bother foreclosing and they let former homeowners squat because so many homes went under.  Too many people defaulted on their home loans.  I don’t think that will be the case these days but I also think that there are a lot of houses on the market that will not be sold in the immediate future (with immediate being 2-4 years away barring any changes to mortgage contracts).

My mother was a survivor of concentration camps and one of the things that she had drilled into us was survival.  So getting to the basics you need to have food, clothing and shelter. 

Do what you can to keep a roof over your head.  Work with your landlord, bank, or whoever you need to.  If you are being forced out, please check with friends, family or city/state shelters for help.  If you are in parts of the United States where it is cold, you need warm shelter.  Time to swallow your pride and ask for help if you need it.  Start searching the Internet for local agencies or groups that might be able to help you.  Food banks are running out of food so don’t waste time.

Snow or bad weather can make your clothes wet.  Keep whatever clothes you can and keep them dry.  Have changes of clothing so if you are wet, you can get into dry clothing so you don’t get sick.

Look for inexpensive places to get food.  Unless you have special dietary restrictions, go for something that can fill you up, keep you warm and doesn’t cost a lot.

If you have specific medical requirements or are caring for special needs situations, contact social workers if you feel comfortable doing so.  I realize that the levels of service and help vary from state-to-state and from city-to-city.
If you have some savings, time to cut out everything but essentials.  I mean cut it to the bone for the time being.  Everybody is waiting for the inauguration but it may take months or even years till our President can get commerce and cash flowing comfortably so people can get some sort of handle on their finances and lifestyles.

For those of you who are well off, please be generous with help to charities and even more directly, if you see a family that is cold and hungry, please try to do something to help them.
To my readers, try to hold onto your money, keep your faith and don’t be afraid to ask clergy or counselors for help if you need to.

My daugther, Arianna, is going in for surgery to have her VNS removed.  Thank you for your kind thoughts and prayers and like I’ve stated in my Practical Money Making book, we ARE all in this together.  A lot of people have lost their homes in fires out here in California and it will be interesting to see how insurance companies and emergency funding comes through to help us.

We will make it through this.

  Practical Money Making-Surviving Recession, Layoffs, Credit Problems, Generating Passive Income Streams, Working Full Time or Part Time and Retirement

Kim Isaac Greenblatt

Floatation Advice If You Are Drowning Financially

I am interested in starting shoe manufacturing or anything else that we physically produce something of material value, any takers?

Open offer to anybody who has money and wants to invest.  I am willing to apply my expertise on business if somebody will put up the money to start a shoe manufacturing or any other type of business here in Los Angeles County.  The reason I am picking on shoes as a business is because my friend Debbie and I had a conversation where several things became apparent:

1.  Shoes that are made inexpensively these days break down in 6 months to a year instead of lasting 3 - 5 years (if cared for).

2.  Some of the dyes that are in shoes (as other garments) when manufactured overseas have come back and caused allergic reactions with people.  This is true with clothing and food in general these days.  One only has to read the news to see reports of products being defective or toxic.  People are starting to cut back on goods made in China or places they perceive that the worksmanship is poor at best or deadly in the worse case scenarios.

3.  People in America should start buying American made products where they can and American politicans and business people should do what they can to stop outsourcing. 

This is no different than what the American unions have been saying for years but the difference this time is we need to get a grassroots movement going because we have become too dependent on other nations for our goods and lately, our services.

Right now, resources are getting scarce and with the international community enjoying the benefits of capitalism, there is a strong incentive to make a profit by cutting corners.  To me that equates to shoddy workmanship.  Taking something simple as a shoe - it would be a great way to start a grassroots movement to get people to buy and start manufacturing American again.

We need our state and local governments to start introducing business incentives to make it worthwhile to hire local people at a living wage so they can start manufacturing.  I am willing to step up to the plate to help get a shoe manufacturing business going here in Los Angeles.

Think about it.  People spend a lot of time on their feet and how many times have you noticed when you buy cheap shoes that they behave exactly like what they are - cheap shoes.  The material falls apart, glue dissolves and your nice covered shoe looks like it is in a torn sandal.

If somebody is willing to bring cash to the table, I will work with them getting a shoe business going.  People realize at a certain point that you really get what you pay for.  If you are paying pennies for a pair of shoes, you get a pair of shoes that was made less than pennies.  How well do you think something like that will last?

The flip side is that you shouldn’t have to spend $120 for a pair of tennis shoes or designer sneakers and have them fall apart in under a year.  Back in the prehistoric days, you bought a pair of shoes (once your feet stopped growing) and they were expected to last a couple of years. 

Like a car.

Like a washing machine.

I am open to advising on other types of business as well.  If there is any other type of business that somebody with money wants to approach me with, if you are looking to make it in America, I am available for consulting.

There are people here who are good workers, can make quality products at a reasonable wage, and you can make a profitable return on your investment.

A win-win situation for these economic times!

  Practical Money Making-Surviving Recession, Layoffs, Credit Problems, Generating Passive Income Streams, Working Full Time or Part Time and Retirement

Kim Isaac Greenblatt

Looking for investors to manufacture shoes or anything else.

Question from a reader:”Does art suffer or thrive in a financial depression?”

My answer is that art is art.  When times are good and times are bad, creative souls will always try to express what is going on in their lives.  If they touch a chord with somebody they get a fan.  If they touch a chord with a lot of people they develop a following.  Hopefully this happens before the artist dies. 

There are creative people who through their gifts can speak for what is happening all around them.  They may do this through the written word, movies, television, dance, song, sculpture and anything else that I missed in covering forms of creative expression.  Did they do this because they calculated that their work was at the right place, at the right time and that they knew they’d be representing their generation, their age group or what have you?  Of course not.

What it means is that if you have something that you want to do creatively, just do it. Don’t try and figure out whether you are doing something that will change humanity forever.  You are doing art for your sake of expression.  I’ve often said that the reason that I write is because I feel the need to express myself through writing.  For some people, they do it with music (I love to sing and dance too but I don’t feel the need to do it all the time).  If you are trying to make some money from it, I would suggest that you do it for the joy that it gives you and don’t worry about making money.

If you are good enough at it, you will make money.

The large movie theaters, concert and opera halls were built in the Great Depression in the United States because people wanted to go somewhere to escape their economic situations.  People have the Internet and all sorts of methods of escape now.  They still will turn to the arts for the forms of escape.  If you are fortunate to be creative at a time where people want to be your fans, you might make money.

I’ve been trying to determine if the Picasso in Chicago, Illinois managed to get a lot of tourists to visit Downtown to see it and then stick around and go shopping, have some dinner, maybe take in a movie.  Here is a picture of it and you tell me if it would be enough to make a person want to stick around after watching it. Maybe people would have wanted to go to the Museum of Science and Industry or the Art Institute afterwards.

I remember when the city first put it up.   People said that it looked like a bird.  Some said it looked Egyptian.  I think it looked like a great artistic piece that turned out to be a great draw for tourists!

Good luck with all of your artistic endeavors!

   Practical Money Making-Surviving Recession, Layoffs, Credit Problems, Generating Passive Income Streams, Working Full Time or Part Time and Retirement

Kim Isaac Greenblatt

Do artistic things because you want to.

Question from a reader:”I think I understand the concept but what is a refund anticipation loan?”

My answer is that they are loans given from a lender, usually at a high interest rate and with fees with the collateral being your anticipated tax refund.  The lender controls the release of the money and you authorize him (with him being a company, generally a commercial bank) to collect your tax refund when it is paid by the Federal government.  State refund anticipation loans are also in the works. Many large tax preparation firms and small ones offer this service.

My thoughts on the matter are that if you can wait it is ALWAYS better to have the money go into your checking or savings account as a direct deposit.  If you are anticipating a refund, you can get it as a direct deposit generally in ten business days barring any money that you owe a government agency that is levied.

Each year, the IRS and state agencies try (or have gone on record as saying that they are trying)  harder to get the money back to you faster.

The refund anticipation loans (also known as RALS, etc) carry a high interest rate and fees in relation to the money that you are receiving.  If you absolutely, positively are dying for the cash or need it for an emergency then do what you have to do.  Generally you are paying a high premium for getting your money ten days earlier.  In some cases instant money is offered but the fees get higher still.  For large companies that offer this service it use to be profitable, in the current economic environment it still may be since they can always refuse to advance money to high risk customers. 

If you have waited this long for the money, my suggestion is to save yourself some of your money (because a refund is YOUR money being returned back to YOU) and wait the ten days till you get the money into your account.  If you don’t have a checking account, wait for the check.  Beware of debit cards that have high service charge or transaction fees.  You can have your refund money eaten away there just as quickly if you aren’t careful.

There is some talk that the ability to get refund anticipation loans may be outlawed by Congress in the next few years. Some people feel that the interest rates are too high and it promotes people getting and staying in debt.

Thanks for asking the question! 

   Practical Money Making-Surviving Recession, Layoffs, Credit Problems, Generating Passive Income Streams, Working Full Time or Part Time and Retirement

Kim Isaac Greenblatt

Question from a reader:”Can I amend back as many tax returns that I want to?”

My answer is: No.  You can only amend back three years for the Federal government.  Four for the state of California.  The extra year is to allow for catch up, I suppose.  If the IRS or any state authority asks for more years, you obviously have to provide the return for whatever it is they are looking for.  If software isn’t available, you need to get copies of the forms for the specific years and file manually.  If you were expecting a refund, you need to refresh yourself with the rules for amended returns and geting a refund. The place to start for looking for older forms would be the irs website and after that, search engines.  If you can find old copies of the tax software you might try and get them from vendors but please make sure they are the finalized forms.  You won’t be able to have anything to compare them to so double check that any software sources for forms is the most recent for that year.

Form 1040X must be filed within 3 years from the date of your original return or within 2 years from the date you paid the tax, whichever is later.  If you are looking to get a refund from five years ago and you have exceeded the time limit, you won’t get your refund.  There are situations as well that you may be capped on the amount of the refund that you will be getting despite the fact that you at the time may have been entitled to more cash. 

For now, amended tax returns need to be sent by mail and signed manually.  In a few years they may be electronic but we are concerned about the present now.  That means that you may need to wait several months as of the writing of this blog before you can get any refunds from an amended return.

Are amended returns audited more or less than normal returns?  I don’t think so but they are reviewed and received by people so pay attention to details.  Take your time or have your tax professional double check everything before you send in your amended return.  I just taught my tax students how to do amended returns and everybody - and I mean everybody - makes mistakes at least the first time they try to do an amended return.

If you are doing your own using tax software be careful and double check everything for resonableness.  Make sure that you include changes for everything and watch for the cascade affect where adding or subtracting income or dependents changes credits, deductions and the overall complextion of your return - you may go from a refund to an amount due - or vice versa.

The important thing is to be accurate and thorough. So, if there are any new schedules or changes to existing ones, make sure that they are included in the amended return package.  The IRS doesn’t want to see every form unless they ask for it. 

Double check with your state regulations as well.

When you are writing your explanations, go into detail.  The IRS is training a lot of new hires and they get OTJ-On The Job Training.  That means they give them the amended returns to review and look for errors.  Explain clearly what was amended so there will be no reason for the return to get kicked back to you.

Don’t balk if you discover that you need to amend a tax return and that there is an amount due.  Take care of it as soon as possible and pay any penalties that may need to be taken care of.  It is better if you catch the error than the taxing authority.  If the error is a large one they will catch it sooner or later.

I could post a picture of a form 1040X but since it is close to the weekend and we are all burnt out from roller coaster finanial news I will show you something to take your mind off of taxes.   If all goes well with your amended return you (and in the case of our photo, your partner)  will be happier.  How much happier?  A LOT happier! 

 Practical Money Making-Surviving Recession, Layoffs, Credit Problems, Generating Passive Income Streams, Working Full Time or Part Time and Retirement

Kim Isaac Greenblatt

Amending tax returns can be profitable or costly but they still should be done if you need to do them .

My book of my first fifty or so blogs is out.  If you enjoy my whimsical and informative posts about starting your own business, dealing with savings, dealing with our current recession/depression, coping with special needs situations, please check out my book. Priced affordably with a no-frills, basic money-saving cover for these rough economic times, the information inside is fun, informative and hopefully will save you money and your sanity. By the way, the book is white on white and that is why the green letters would just kind of float here on the page - that is why the way to reach it is by the text :).

 
profitable

The particulars:
Paperback: 108 pages
Publisher: Kim Greenblatt
Language: English
ISBN-10: 1606220020
ISBN-13: 978-1606220023

Want something else to sweeten the deal? 

Part of the proceeds of all my sales go to research for finding a cure for Rett Syndrome.  Rett Syndrome affects a girl born every fifteen minutes.  Boys born with the Rett gene die at birth. In these trying economic times, research for Rett Syndrome has been tough because of competition for money from other projects. Your purchase of this or any of my books will help funding to improve the quality of life for millions of people.

Kim Isaac Greenblatt

The profitable book culled from the great blog is out!

I was called to serve for jury duty for the Van Nuys Court.  As a mediator and arbitrator I realize that it is part of my civic responsibility to be available to help the court system make fair and equitable decisions.  As a businessman trying to be profitable in a recession/depression I am loathe to do anything that isn’t paying a decent wage and chews up a lot of my time.  Well, of course, except writing for you for free.  Er, and taking care of my family, helping my friends and whatever else comes up. 

Up until 2001 here in California, if you were on a jury, you could, despite a judge’s instructions,  vote the way you felt, even if it went against what you were instructed to steer clear of or take into account.  If a judge thinks that you are going to try and nullify his instructions, he has the power to remove you from a jury.  This has turned into an avenue for getting out of jury duty or at the very least to make it interesting.  The purpose of jury nullification was to make the people the fourth branch of government. Doesn’t that sound cool and important?  The reality in California is that they don’t want you to come up with your own conclusions and to be fair, I don’t blame them.  Look at the O.J. Simpson criminal trial from a decade ago.

Without going into the details (I read them and they are worthy of several blogs),  the decision for the California ruling was from a  1995 conviction of Arasheik W. Williams by a Santa Clara jury on charges of, false imprisonment, and assault and statutory assault to a minor.  The kicker was that the Mr. William’s attorney told the jurors “a jury may, at times, afford a higher justice by refusing to enforce harsh laws.”

The jury foreman deep into the deliberations reported to the judge that juror James Kelly refused to discuss the statutory charge because “he believes the law is wrong.”

Kelly told Judge Paul Teilh he couldn’t consider the charge: “I simply cannot see staining a man, a young man, for the rest of his life for what I believe to be the wrong reason.”

Normally  under the American legal system, juries need not explain how they arrived at their verdicts.  Since the ruling, judges can, and do, remove jurors who make it known they will practice nullification.

In the Williams case, the judge removed Kelly from the jury, saying he had violated his oath of service that required the juror to follow the judge’s instructions.  The jury, with an alternate in place, voted the next day to convict Williams, who was later, sentenced to six years in prison.

I want to take care of my civic requirement but at the same time I need to be working.  My question is how to approach this if I get put on a panel for a jury.  It could very well be that the the judge just seats us and that is that.  If we have voir dire, see/say, where the attorneys get to ask us specific questions, if it is an interesting and short case and I feel I will be adding an unbiased opinion, I will do what I can to stay on the jury. Arianna may have something coming up as well and I will have to take that into consideration.

If it is something that raises my hackles, I may end up getting removed by virtue of my bias.  Regular readers know that I don’t suffer ignorance or stupidity very well.  

The risk is that I don’t want to get the ire of the judge so that he or she “sends a message” not to mess around.  I generally am on my best behaviour because in a courtroom, the judge’s decision is law.

Literally.  If you aren’t aware of it, the judge IS the law in his or her court.  A reminder to that if you go to jury duty, make sure that you dress business professional to show respect for the court. Security measures, in case you weren’t aware, are similar to the airport so leave pocket knives and anything that might be construed as a weapon at home.  Also, don’t ignore a summons to appear.  You will have a bench warrant issued for your arrest.

More as this develops.

UPDATE:  I was put on a panel and then dismissed.   I think it was because of my friendships with law enforcement people and my feelings on certain things.  The jury nullifcation point was brought up once and the judge said one of the questions that he had for me wasn’t it.  I am not so sure but that was that.

The short story is back to business and good luck and good thoughts to people who are in the court system. As lumpy as the system is, it is still a pretty good system and there seemed to be enough potential jurors there who really wanted to serve to hopefully render a fair verdict. My best to everybody who works at the Van Nuys courts!

Kim Isaac Greenblatt

Talking about Jury Duty and Jury Nullification

Question from a reader: “Are pet stores a good business to get into?”

My answer: In this current economic market I would say no. While people can say that dogs, cats, birds, reptiles, amphibians and fish are man’s (and woman’s) best friend, the financial realities have not been kind to our animal friends.  There have been a lot of cases where people have lost their houses and as part of leaving their debt behind they have also left behind their dogs and cats because they cannot afford to take care of them anymore.

Leaving animals alone outside to fend for themselves after they’ve been domesticated isn’t a good idea.  Wild dogs and cats forage for food and are hungry like any other living creature and it isn’t fair to them.  Here in Southern California, the wild dogs join packs and it is not unusual to see half-dog, half-coyote packs running around late at night or very early in the morning.  There isn’t enough food in the mountains for the critters so they come down to feed wherever they can.

If you are already in the pet store business?   If you already are in an established pet store, my guess is that some business is doing steady - like specialized pet foods and certain seasonal items (cat and dog sweaters?) but a lot of novelty items probably aren’t selling.  Maybe you have had to trim store hours or staff. 

As a reminder (which isn’t lost on store owners), people who have a hard time taking care of themselves or their children shouldn’t be allowed to have a pet!  A clear example also of people not knowing what they are getting into is when the Dalmatian movies came out and everybody wanted Dalmy pups.  The problem is the pups are kind of nutso and skittish and a lot of them got returned the day after a birthday.  Parents should research what they are buying to prevent anguish for both the kids and the animals later on.  But I am getting off topic here…

For specialized markets like pet stores that only sell purebred beagles, etc there may be a steady market but like everything else I suggest that they are having problems with sales like you and I are.

Like any other business that has a storefront, if you do decide to go into business, even though the economy isn’t great, see if you can get some decent terms and a few months (if not a years) rent for free or at a lower cost. 

Remember that some suppliers have minimum orders as well and you may not be able to afford to keep your store stocked in everything that you might have wanted to in your planning stages.

Just use caution if you decide to go ahead with the pet store business. If you love animals it might be fun but remember that both you and your four-legged friends, winged and finny pals have to eat and they can’t eat if you don’t have the money to feed them.  Having critters go belly up on you just isn’t profitable.

 Practical Money Making-Surviving Recession, Layoffs, Credit Problems, Generating Passive Income Streams, Working Full Time or Part Time and Retirement

Kim Isaac Greenblatt

Are pet stores a good business?

Question for Kim:”In your experience, what sells on the web?”

My answer:   Anything and everything can sell on the Internet if there is a market for what you are selling, the price is right and people are aware that you have products to sell.  I can tell you what doesn’t sell:

1.   Books or seminars about how to get rich off of the Internet.

2.   The same type of books and seminars (or videos) except they talk about making millions blogging.

3.   Any kind of short term investment system with day trading.  A lot of people have lost their life savings trying to make money shorting or betting that their stocks will recover and go up.

4.   Pyramid schemes or Ponzi schemes where the way you are suppose to make money is to get people to sign up and you make a commission off of things they sell.  People don’t have the money for experimenting or risking that they are on the “ground floor” of these schemes and frankly, a lot of them are illegal.

Things that do sell:

1.   Anything to do with people’s hobbies.  People always find money for their hobbies.  There will be a contraction with the depression/recession we are in but people still will find cash to get things they really, really want.  It may be collecting model cars, comic books, certain types of trading cards, it doesn’t matter.  People find money for things they want.

2.  Self-help books or videos that actually teach you something.  Word-of-mouth helps get the product information out and people do listen to their friends and relatives if they like the same things that they do.

3.  Things that have to do with pets.  That could be a subset of item one but pet products sell very well over the internet.

4.   Baby or children’s clothes if they are priced right sell well.  Parents are always looking for inexpensive fashionable items for their kids.

5.  Things that can really save money or labor for a person.   The profitable things that sell are things that can add minutes or hours to a person’s day so they can do the things that they want for items one thru four.

6.   Anything that you are passionate about that somebody else share’s the same passion.  You may not make a lot of money selling books on worm farming but for people who are into conservation with their gardens or the environment, you may make some sales.

My suggestion though is to be different and get involved on the manufacturing side as well.  You will be helping out the economy and actually providing something for the economy if you can.

If you are doing well selling on the web - and please no instant fortune scams or schemes, drop me an email and share your success story and I will post it on my blog.

I will try and get an occasional series going with this if there is interest in it. I am trying to prove a point that even in down economic times people can still sell goods and services and make a profit and even a living at it. If you can help prove my theory one way or another, let me know!

 Practical Money Making-Surviving Recession, Layoffs, Credit Problems, Generating Passive Income Streams, Working Full Time or Part Time and Retirement

Kim Isaac Greenblatt

What sells on the web-prelude?