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Property market to hit the brakes in 2016

Weaker demand from investors has also already begun to affect mortgage demand. Photo: Jamie Davies Fitch predicts the markets will remain relatively stable due to low interest rates.
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The Australian property market is in for a quiet year. Photo: Rebecca Hallas

Australian’s golden run of property price growth will end “sharply” this year, predicts global credit agency Fitch Ratings.

In a new report, Fitch predicts that a combination of low affordability, exposure to US rate hikes, and prudential regulations will add up to a much slower rate of growth in a number of Asia-Pacific countries including Australia.

“The pace of house-price growth should decelerate particularly sharply in Australia and New Zealand this year; while the decrease should continue in Singapore, with prices dropping by a further 5 per cent from last year,” it says.

Fitch forecasts growth will clock in at about 2 per cent in Australia in the coming year about half that likely across the ditch in New Zealand.

For Australian capital cities that is well down on the 8 per cent average annual growth enjoyed over in the last three years, according to CoreLogic RP data.

“Stretched affordability and further compression of rental yields are likely to be key factors driving down price growth in Australia,” Fitch says in a media statement.

“This is especially the case in Sydney and Melbourne, where price appreciation in recent years has outpaced wage growth – leading to decreasing levels of affordability.

Weaker demand from investors has also already begun to affect mortgage demand, as falling rental yields and new prudential measures restrict the growth of investment loan portfolios.”

Despite the slowdown Fitch predicts the markets will remain relatively stable due to low interest rates and steady mortgage performance.

“Steady Australian performance reflects increasing levels of servicing buffer from lower interest rates, a stable unemployment rate, and price appreciation opening up additional equity for borrowers,” Fitch’s report says.

“Low wage growth and rising living costs would mean performance coming under pressure if rates rise, but this is unlikely in 2016.”

Fitch also notes that low interest rates and solid employment may also weaken attempts by regulators to cool the market.

Although it does predict that investors will be less of a force.

“Fitch expects weaker demand from investors as a result of a further compression in rental yields, increased costs – a result of prudential measures restricting the growth of investment loan portfolios – dwindling prospects for capital growth in the capital cities, and increasing transactional costs,” it says.

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Mental health disconnect

READMISSION rates for people treated in hospital for mental health disorders are “staggeringly high” says private health insurer nib – and there are too few services to help them to stay well at home.
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Nib paid $27 million in benefits to customers to treat mental health issues in 2014/15, an increase of 14 per cent.

Between 650 and 700 people were treated in hospital, most for depression or anxiety, and nearly half were readmitted within 12 months, saysnib group executive benefits and provider relations, Dr Justin Vaughan.

“We have had a staggeringly high number of readmissions, about half, or 48 per cent being re-admitted for a second or third time,’’Dr Vaughan said.

‘’We believe a lot of the issue is lack of integration between services in hospital and on discharge. Itis an issue that’swell recognised throughout the mental health sector.There is a disconnect between hospital and community servicesand people are often left to their own devices when they are released from hospital.”

Mental health advocates agree that there are too few ‘mid-range’services available in the community between acute care and lower intensity care, such as counselling.

The issues are highlighted inHunter Central Coast Primary Health Networksplanning documents pointingto theHunter New England region’shigher rates of self-reported mental health problems than the NSW average,and higher rates of intentional self-harm hospitalisations in young people.

Nib will help bridge the gaps between customers’GP, mental health specialist and acute careby supporting early intervention services and out-of-hospital programs.

“There’s no denying the benefits of in-hospital care for patients suffering from certain mental health disorders,” Dr Vaughan said.

“Butwith readmissions accounting for almost half of all nib customer episodes last financial year, there’s a real need tocover programs that provide discharge support, as well as prevention services.”

Linda Burney calls for Jamie Clements to resign over sexual harassment saga

“The matter needs to be resolved now”: Linda Burney. Photo: Daniel Munoz Under pressure: NSW Labor General Secretary Jamie Clements. Photo: Dallas Kilponen
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AVO application against Clements withdrawn

Acting NSW Labor leader Linda Burney has called on ALP general secretary Jamie Clements to resign over sexual harassment allegations against him, declaring that his position is “untenable”.

Ms Burney said she decided to make the call after consulting with Opposition Leader Luke Foley, who is on holiday.

“While there are clearly two different versions of events, this matter needs to be resolved now in the interests of the party and its members,” she said.

“It has now become clear that this matter will only be resolved with the resignation of Mr Clements,” she said.

“I am calling on Mr Clements, in consultation with Luke Foley today, to resign. This issue needs to be brought to a head.”

Ms Burney said it had become “an issue of confidence in Mr Clements [and] the views of party members. It has also become an issue in making sure we have a viable, properly operating division in Sussex Street.”

Mr Clements came under pressure to resign on Thursday morning after Opposition Leader Bill Shorten announced he had ordered a report on the NSW division following allegations of sexual harassment.

Mr Shorten said he has “zero tolerance for workplace harassment” after Labor staffer Stefanie Jones publicly criticised the party for its treatment of women.

On Wednesday, police withdrew an apprehended violence order on Mr Clements, which had been in place since he allegedly tried to kiss Ms Jones in a Parliament House office last year.

Police had sought the AVO on Ms Jones’ behalf, but told Magistrate Robert Williams the application was now withdrawn.

Mr Clements agreed to several undertakings on a no-admissions basis. He was never charged with an offence, and disputed the allegations.

Mr Shorten said he has asked NSW Labor president Mark Lennon to provide a report “on this and all related matters” to his national secretary “as a matter of urgency”.

“We have no tolerance for workplace harassment and I do expect this matter to be now resolved, full stop,” Mr Shorten said.

Mr Clements – who was instrumental in installing NSW Labor leader Luke Foley – is also under pressure over allegations he misused the electoral roll.

It is alleged that Mr Clements used the roll – which political parties may only use for election purposes – to pass the address of a north coast man, Craig Wilson, to Derrick Belan, the then head of the National Union of Workers.

Mr Belan allegedly gave the information to a man who used it to threaten Mr Wilson. Mr Clements has denied that he misused the electoral roll.

The NSW electoral commission is investigating the matter.

NSW Labor has been approached for comment.

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Conference at UNSW explores what ancient philosophies recommend for a good life

Illustration: Simon LetchWhat can ancient philosophers teach us about living well in the modern age?
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Don’t be afraid to make mistakes, for starters. Pursue a life of long-term meaning. And acknowledge your emotions.

These are among the concepts being explored at a conference starting on Friday at the University of NSW. Jointly organised by researchers at UNSW, the University of Melbourne and the University of Sydney, In pursuit of wisdom brings together international philosophers and academics to examine ancient Greek and Chinese prescriptions for a good life.

The conference aims to further debate, shifting the focus from what the good life means to how one can be nurtured.

One of the convenors, Associate Professor Karyn Lai, from UNSW’s School of Humanities and Languages, said philosophical research often focused on ideals rather than practicalities. But there was also an emphasis in the ancient Greek and Chinese traditions on cultivation – the work needed to develop the abilities and skills to live well.

“There’s a lot of examples of cultivating not just the intellect, but also the body, cultivating certain skills,” she said. “The way we tend to view knowledge in the West is very cerebral. This conference [examines] what it takes to put that knowledge into practice.

“The emphasis in these traditions on practice, experimentation and performance could change the way we think about knowledge, learning and education.”

Associate Professor Lai said the Chinese tradition encouraged discipline, imitation and drilling. They may not sound enjoyable, but underpin many things that are, including sport and the arts.

“I do think in Australian society we tend to see [drilling] as quite negative … because we want [children] to be creative and if they’re imitating others the creative juices will never run,” she said.

“But a child can’t just be creative without knowing what goes on before them. In my work I use the example of great musicians, where they’re creative in their performance, they’re wonderfully sensitive, but this comes with years and years of hateful scale practising.”

Mistakes were also important in the ancient traditions, Associate Professor Lai said.

“If we want to teach children well, we insist they have to keep trying,” she said. “If you’re frightened of making mistakes you’re never going to take up a challenge, which means you’ll never be good. Only in making your own mistakes do you learn.” Five elements of a good life:Beauty: Understanding that beauty has a central place in our moral life. Beauty can be a reason for action: often, a good answer to “Why should I do x?” is “Because x is the beautiful thing to do.” (from Sophocles and Aristotle).Harmony: Living a life that is balanced, and that has composition – long-term meaning from beginning to end (from Plato and Confucius).Inquiry and awareness: Being aware of the world and your environment, noticing what has changed, responding with spontaneity (from Daoist philosophy).Don’t shy from difficulty: Be prepared to try things out and to make mistakes. Do the hard yards. Develop your physical, intellectual and moral ‘muscles’. Entertain paradoxes and engage your imagination (from Greek, Confucian and Daoist philosophy).Harness your emotions: Cultivate and harness your emotions rather than deny them or pretend they don’t exist. Emotions are a central part of our moral existence (from Stoic, Confucian, Daoist philosophy).

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Hunter seat scrapped in redrawn boundary

THE LINES ARE DRAWN: On Thursday the Australian Electoral Commission announced drastic changes to the Hunter’s federal electorate map.JOEL Fitzgibbon is without a seat andBob Baldwin willhave to win over traditional Labor voting areasto hold onto his, after the Australian Electoral Commissionconfirmed a radical redraw of the Hunter’s electoral boundaries on Thursday.
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Despite opposition from both major parties, the commission stuck with all of the proposed changes to the region’s electoral map thatit announced in October.

Mr Fitzgibbon’s seat gets the axe, while Charlton, held by Pat Conroy, is re-named Hunter.The redraw also takes much of the northern part ofPaterson out of thatseat, and instead hands itthe rest of Maitland andKurri Kurri from what was Hunter.

The shift in demographics means Paterson switchesfrom being a Liberal seat with a9.8 per cent marginto a notionalLabor seat witha slim margin of 1.3 per cent.

Mr Baldwin, the Paterson MP and the region’s only sitting Liberal,wouldnot say whether he would contest the next election on Thursday.He was travelling to Sydney when the announcement was made and said he would look at the changes on Friday.

“I’m waiting until I’ve had a look at what they are going to do,” he said.

“I’ll look at it, consider it and I’ll make my announcement about what I’m going to do.”

On the Labor side, the redistributionwill require some delicate negotiations between Mr Fitzgibbon, Mr Conroy and Shortland MP Jill Hall.Under the re-draw, just under half of the electors from the existing seat of Hunter move into the new seat.

Those in the northern part of the seat move to New England, held by the Nationals, and the remaining 40 per cent move into Paterson.

About 60 per cent of Charlton movesinto Hunter, while the rest move to Newcastle and Shortland.

Mr Fitzgibbon’s preference has been to move to the new seat of Hunter, which now encompasses his base in Cessnock.

But he is the region’s only right-faction MP, and would have to challenge Mr Conroy, from thedominant left,if it ever came to that.

Both were unavailable for comment on Thursday.

Instead, there has been speculation that Ms Hall,who has been in parliament since 1998, will retire before the next election.

But the jigsaw puzzle is complicated by the uncertainty around her intentions, and on Thursday shesaid thespeculation about her retiring“isn’t coming from me”.

“I haven’t made my mind up, and I won’t make my mind up until I get a chance to look at the boundary adjustments,” she said.

“Pre-selection hasn’t even opened yet, and I will make my decision then.”

Brenton Avdulla goes to freelance riding to take advantage of opportunities

Open to options: Jockey Brenton Avdulla will increase his riding options. Photo: bradleyphotos老域名出售备案老域名Wizard of Odds: Live Odds, Form and Alerts for all Racing
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Brenton Avdulla has decided to spread his wings and “ride more freelance” in 2016. Avdulla has always been closely linked with the Gerald Ryan stable, giving it preference, but with a successful past 18 months comes increased opportunity. “I’m still gong to be riding for Gerald, we haven’t had a bust-up and he is one of my biggest supporters,” Avdulla said. “I’m getting offered a lot of outside rides and wanted to be able to get the best horses I can.”

Another example of it is riding the Kris Lees-trained Felines, which was a winner first-up in Sydney before drawing wide and never threatening in the Bat Out Of Hell at the Gold Coast. She has won four of six over the 1000m sprint journey, which she faces at Randwick on Saturday. “She is a good sprinter and I don’t think the outside draw is going to be a problem for her. She can just sit and come to that one run, which suits her,” Avdulla said.

EMERALD A GEM

David Vandyke has always held a big opinion of Emerald City and it could be ready to deliver on it. The Nick Moraitis-owned stayer is a half brother to Gosford Cup winner Destiny’s Kiss and has already won four of 16. “I thought he might be a Derby horse early on and then last preparation he won his last two once he got to the right trip,” Vandyke said. The five-year-old has had two runs to get to his peak this time in and steps up to 2000m, where he already a winner. “I thought his effort at 1900m second-up was close to the best of his career and he is only going to improve from that. I have been really happy with him at home and he is ready to win in my opinion,” he said.

TAYLOR TAKES STEP UP

Jess Taylor was able to get a winner, in French Fern, on her final Saturday as an apprentice but is looking forward to picking up the form guide and seeing her name without the (a) next to it. “It was great to finish my time like that but I am looking forward to Saturday and riding as a senior,” Taylor said. “It is a bit of [a] different start, I will ride four at Kembla before coming to town to ride Mydream. She has been a good horse to me and tries her heart out, so it is good to get on her at Randwick again. We are hoping for some rain because on a soft track she would really come into a race like this one.”

The ultimate racing guide with the latest information on fields, form, tips, market fluctuations and odds, available on mobile, tablet and desktop.

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Australia v India: International cricket still king when it comes to television ratings

Still the one: Channel 9 was thrilled with the ratings for the opening one-day international in which George Bailey led Australia to victory with a century. Photo: Paul KaneThere are two more summers before Cricket Australia goes into negotiations for another local broadcast deal but expect the suitors to be lining up for the Big Bash League then. And Channel 9, despite having plenty of programming on its plate with the Test and one-day international rights, may well be right in the thick of it. The last five-year BBL deal was worth $100 million, so given the tournament’s success that figure is only going to rise for the 2018-2023 rights. Even if Nine were to mount a bid for the BBL, though, Network Ten would be hard to shift, particularly with Rupert Murdoch so involved. There is no doubt this has been the tournament’s breakout year, but it’s worth remembering that when it comes to television ratings the international game is still king. Nine is not able to use all the bells and whistles the BBL does, such as having players miked up and the stumps lit up, because their games are governed by the ICC and not CA. But the first ODI between Australia and India in Perth this week was still the 28th most-watched sports program in Australia in the past 12 months with a five-city metro average of 1.148 million viewers. Only the third afternoon of the third Test against New Zealand (17th, 1.614m) has beaten it in terms of cricket ratings this summer. Ten’s BBL doesn’t have an entry inside the top 30 or close to it. Its top-rating match of this season was between Adelaide Strikers and Perth Scorchers, which drew a five-city metro average of 926,925.
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Derby in demand

Between them they have lost their last eight matches and only one of them, Sydney Thunder, have a realistic chance of reaching the semi-finals. However, that has not dimmed the demand for Saturday’s Thunder-Sixers derby at the SCG. Short of buying a hospitality suite for the night you haven’t been able to jag a ticket to the game this week, with a crowd of more than 40,000 forecast if enough members show up. There is still hope, though, to get a seat. On Friday from 9am, a final 2800 tickets will be made available on Ticketek. They’re not expected to last long.

Powell fails to impress

Former West Indies opener and Major League Baseball aspirant Kieran Powell attracted plenty of attention in the US on Wednesday when he was put through a “workout” in front of scouts in Florida. Powell, 25, was the subject of plenty of media attention but according to Wallace Matthews, who reported on the workout for ESPN老域名出售, a landmark switch from international cricket to the MLB is far from a formality. He reported that a scout from the New York Yankees came away unimpressed and said a rep from another team had told him of Powell: “He sucks. He’s not worth any time.”

Switch hit: Kieran Powell is trying his hand at baseball. Photo: Getty Images

All in a good cause

We told you during the Sydney Test about a function that’s coming up at the SCG next month that’s expected to feature Sachin Tendulkar as the star attraction. Well, it’s a busy time of year in the social calendars of cricket types, with one of the highlights of the après-cricket circuit pencilled in for the weekend before, on January 30. The annual LBW Trust dinner, to be held in the SCG’s Noble room, is such a hot ticket this summer that’s there is a waiting list of more than 50 people. The main drawcard of the event is Dennis Lillee. Among the 600 guest list will be Harsha Bhogle, the Chappell brothers and Henry Olonga, Zimbabwe’s first black international player who in retirement has had a crack at a singing career. One point of interest will be the auction, with Ian Chappell donating his entire cricket book and magazine collection. David Peever, the Cricket Australia chairman, is apparently one of the interested parties. Corporate tables went for $10,000 each but it’s all for a very good cause – proceeds go towards the education of disadvantaged young people in developing parts of the cricket world.  

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Canberra ATP Challenger: Ivan Dodig powers into semi-final with impressive victory

Croatia’s Ivan Dodig upset No.2 seed Santiago Giraldo 7-6, 6-3 in the quarter-finals of the Canberra ATP Challenger at the Canberra Tennis Centre on Thursday. Photo: Jay CronanCroatian No.5 seed Ivan Dodig continued his impressive start to the Australian summer to progress to the last four at the $75,000 Canberra ATP Challenger.
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Dodig made it seven victories from eight matches with a straight sets upset of second seed Santiago Giraldo in their quarter-final at the Canberra Tennis Centre on Thursday.

Dodig will now face Spanish third seed Daniel Munoz de la Nava on Friday, while top seed Paolo Lorenzi takes on fourth seed Marcel Granollers in the other semi-final.

“It was a good match for me and I played some of my best tennis,” Dodig said.

“I know [Santiago] well and I knew it was going to be a very tough match for me and for him as well.

“I’m playing quite well and I’m happy with the way I’m playing.”

Dodig is playing with plenty of confidence heading into the Australian Open.

The 31-year-old won three straight matches in qualifying and his first-round encounter at the Brisbane International before going down to eventual champion Milos Raonic in three sets.

He has carried on that momentum into Canberra this week with victories against Australian Dayne Kelly (7-6, 6-4), Daniel Gimeno-Traver (6-3, 6-2) and Munoz de la Nava (7-6, 6-3).

Dodig used his powerful serve to full effect to prevail 7-5 in the tie-break against world No.70 Giraldo before securing an early break in the second set.

“My confidence is up from the way I played at the end of last year, I played very good and won a couple of tough matches,” Dodig said.

“Even today, I was a break down in the first set and then I was able to break him back and then in the tie-break I was able to play some very good shots.

“That’s the most important part – to be able to play very good in crucial points.”

No.1 seed Lorenzi was just as clinical in disposing of Russian No.7 seed Evgeny Donskey 6-4, 6-1, continuing his return from a calf injury suffered at last week’s ATP event in Doha.

“The match was closer than what the scoreboard shows,” Lorenzi said.

“In the second set, I was 1-0 up, but it was 0-40 on my serve, so we had a few good rallies.

“After Doha I wasn’t sure about my preparations for the Australian Open, but now I’m happy that I’m playing against good players.”

The world No.68 he faces a step up against former world No.19 Granollers if he wants to grab a spot in the final.

“Marcel is a very good player, he was top 30 last year and top 10 in doubles,” Lorenzi said.

“Tomorrow will be a very tough match, but it’s also a great test.”

Granollers will be fresh after his opponent Quentin Halys retired after losing the first set 6-3, while Diego Schwartzman also retired after conceding the opening set to Munoz de la Nava 6-4.

The Australian duo of Maverick Banes and Jarryd Chaplin will take on top seeds Mariusz Fyrstenberg and Santiago Gonzalez in the doubles final.

Canberra ATP Challenger: Quarter-finals: 3-Daniel Munoz de la Nava (ESP) bt 6-Diego Schwartzman (ARG) 6-4 ret. 4-Marcel Granollers (ESP) bt Quentin Halys (FRA) 6-3 ret. 5-Ivan Dodig (CRO) bt 2-Santiago Giraldo (COL) 7-6, 6-3. 1-Paolo Lorenzi (ITA) bt 7-Evgeny Donskey (RUS) 6-4, 6-1.

FRIDAY: Men’s singles semi-finals: Centre Court: 11am: 3-Daniel Munoz De La Nava (ESP) v 5-Ivan Dodig (CRO). Followed by: 1-Paolo Lorenzi (ITA) v 4-Marcel Granollers (ESP). Not before 2pm: Men’s doubles final: 1-Mariusz Fyrstenberg (POL)/Santiago Gonzalez (MEX) v Maverick Banes (AUS)/Jarryd Chaplin (AUS).

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Fishing for government support

HELPING HAND: Port Stephens Council general manager Wayne Wallis, Commercial Fishermen’s Co-op manager Robert Gauta and Hunter MLC Scot MacDonald at the co-op on Thursday. Picture: Sam RigneyThe Newcastle Fishermen’s Co-op will launch a campaign to restore the local seafood brand to its former glory in the wake of thetoxic contamination of the Hunter River.
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The co-op’s manager Rob Gauta met withParliamentary Secretary for the Hunter,Scot MacDonald MLC, on Thursday to outline the concerns of the industry since revelations in September that toxic chemicals wereleaching from the Williamtown RAAF base.

And while the impact on seafood sales through the co-op was hard to measure, Mr Gauta gaveMr MacDonald a letter for Premier Mike Baird that said:“significant damage had been done to the local seafood brand”.

He said the campaign, which would include social media, a website,direct mail and a video clip in the short term, was a“proactive step” to avoid further declines in the region’s commercial fishing industry.

Mr Gauta said the message of the campaign would be that the Hunter still provided a diverse range of fresh seafood that was being caught outside of the contaminated red zone.

“People hear contamination and fish and they stop buying seafood,” Mr Gauta said.

“So we are trying to get the message out there that Port Stephens, Myall Lakes, Tuggerah Lakes are all part of our catchment and we also source seafood from places like Coffs Harbour, so that the customers and the public can rest assured that the product is coming from pristine areas.

“The contamination is out of our control.

“What we can control is the positive message we send out.

“There is beautiful oysters up in Port Stephens, great prawns in the Myall River and Tuggerah Lakes system.”

The campaign is being coordinated by Port Stephens Council and Destination Port Stephenswith support from council, the Sydney Fish Market, the co-op and, hopefully, the state government, Mr Gauta said.

The co-opmet with Premier Mike Baird in December to outline their proposal.

Mr MacDonald said Mr Baird was eager to help the Hunter’s seafood industry during this time of uncertainty.

“[The fishermen] fear that the Williamtown RAAF contamination has created uncertainty surrounding seafood in the area,” he said.

He said the co-op was seeking about $20,000 from the state government.

Workplace stresses must be addressed

All employers and/or the Australian government should be funding workplace health and wellness programs, in my opinion.
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In my quest to raise further awareness of mental health issues in our community I want to start the ‘Help Your Employees Achieve Better Health’ campaign.

I know there are workplaces out there which provide good health and wellness programs for their workers but there are plenty more which do not.According to Black Dog Institute:“Mental illness is now the leading cause of sickness absence and long-term work incapacity in the developed world. It costs the Australian economy over $12 billion per year in lost productivity.”

I read last week how assistant principals in Victoria were reluctant to step up to the top job because of the increased stress levels associated with the job of being a school principal.The story discusses the results of a study into workplace stress for principals in Victoria and reveals co-author of the studyMark Thompson, a former Victorian school principal, took his own lifein 2014 before the project was completed.The article reported that, “Workplace stress and abuse from a student’s parentwere believed to have had a part in hissuicide.”

Bullying in the workplace can also play a factor in the state of an employee’smental health. Again, I know plenty of workplaces have strategies to combat bullying but I still know of people who feel bullied at work.

Surely more workplace health initiatives can improve the mental health of some employees. Good health and wellness practices in the workplace can in some cases foster better working relations between employees,while improving theconfidence and mental health of individuals.

Another work-related stress that can affect one’s mental health and unfortunately is being seen all around us in Newcastle and the Hunter is job loss.It is not just the financial stress that losing your job creates, in my opinion it can also be the loss of identity that is felt.I know because my job was made redundant three-and-a-half years ago and that left me ‘just a mum’. Now before anyone pulls me up for that last comment, I am very grateful to have three beautiful and healthy children, buta career is also important to me.

When I was at school I always planned to go to university and to have a professional career in the media. I had that and it defined a large part of me for 14 years, so then to all of a sudden not have that part of my life plus the added challenges of being a new parent proved tough for me at times.

WORK IT: According the the Black Dog Institute, mental illness can have significant impacts on productivity, staff morale and organisational performance.

INITIATIVE: Good health and wellness practices in the workplace can in some cases foster better working relations between employees. Picture: Dallas Kilponen

When I researched what support was out there for workplace stress or job loss stress I found this link among other Australian Government services: humanservices.gov备案老域名/customer/subjects/looking-for-work. Hopefully it may be helpful for some of you.

Let us continue to think and talk about ways we can improve our mental health, because there are variousstresses facing many of us that may in the long term become a mental health issue.

Renee is a personal trainer, mother and writer. [email protected]老域名出售