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Episode 318: Confirmation Call Scripts #4 – Adding Remit Address for Check Payments
Manage episode 455122791 series 2796924
Content provided by Debra R Richardson. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Debra R Richardson or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://ppacc.player.fm/legal.
Are you and your team members making confirmation calls to your vendors to confirm remittance information? If so, are you using confirmation call scripts? See how they can be valuable to prevent fraud and make the person receiving the call more apt to confirm their information. This is the 4th episode in this series of 5.
Keep listening.
Check out my website www.debrarrichardson.com if you need help implementing authentication techniques, internal controls, and best practices to prevent fraudulent payments, regulatory fines or bad vendor data. Check out my new Vendor Process Training Center for 116+ hours of weekly live and on-demand training for the Vendor team.
Links mentioned in the podcast + other helpful resources:
- Debra R Richardson LLC: New Scam Alerts https://training.debrarrichardson.com/blog
- Customized Fraud Training: https://training.debrarrichardson.com/customized-fraud-training
- Free Live and On-Demand Webinars: https://debrarrichardson.com/webinars
- Vendor Process Training Center: https://training.debrarrichardson.com
- Vendor Master File Clean-Up: https://www.debrarrichardson.com/cleanup
- YouTube Channel: https://www.youtube.com/channel/UCqeoffeQu3pSXMV8fUIGNiw
- More Podcasts/Blogs/Webinars www.debrarrichardson.com
- More ideas? Email me at debra@debrarrichardson.com
- Music Credit: www.purple-planet.com
338 episodes
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Manage episode 455122791 series 2796924
Content provided by Debra R Richardson. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Debra R Richardson or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://ppacc.player.fm/legal.
Are you and your team members making confirmation calls to your vendors to confirm remittance information? If so, are you using confirmation call scripts? See how they can be valuable to prevent fraud and make the person receiving the call more apt to confirm their information. This is the 4th episode in this series of 5.
Keep listening.
Check out my website www.debrarrichardson.com if you need help implementing authentication techniques, internal controls, and best practices to prevent fraudulent payments, regulatory fines or bad vendor data. Check out my new Vendor Process Training Center for 116+ hours of weekly live and on-demand training for the Vendor team.
Links mentioned in the podcast + other helpful resources:
- Debra R Richardson LLC: New Scam Alerts https://training.debrarrichardson.com/blog
- Customized Fraud Training: https://training.debrarrichardson.com/customized-fraud-training
- Free Live and On-Demand Webinars: https://debrarrichardson.com/webinars
- Vendor Process Training Center: https://training.debrarrichardson.com
- Vendor Master File Clean-Up: https://www.debrarrichardson.com/cleanup
- YouTube Channel: https://www.youtube.com/channel/UCqeoffeQu3pSXMV8fUIGNiw
- More Podcasts/Blogs/Webinars www.debrarrichardson.com
- More ideas? Email me at debra@debrarrichardson.com
- Music Credit: www.purple-planet.com
338 episodes
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Putting the AP in hAPpy
1 Episode 338: 3 Benefits When the Customer Master File is Also the Vendor Master File 20:58
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Play Later Play Later Lists Like LikedIs your vendor master file and customer master file the same? Don’t miss taking advantage of these key benefits when they are one in the same. What are they? Keep listening. Check out my website www.debrarrichardson.com if you need help implementing authentication techniques, internal controls, and best practices to prevent fraudulent payments, regulatory fines or bad vendor data. Check out the Vendor Process Training Center for 116+ hours of weekly live and on-demand training for the Vendor team. Links mentioned in the podcast + other helpful resources: Customer Master File Training (50% off Through 6/15/25) : 3 Step Customer Setup & Maintenance Process Workshop Customized Vendor Validations Session : https://debrarrichardson.com/vendor-validation-session Vendor Process Training Center - https://training.debrarrichardson.com Customized Fraud Training: https://training.debrarrichardson.com/customized-fraud-training Free Live and On-Demand Webinars: https://training.debrarrichardson.com/webinars Vendor Master File Clean-Up: https://www.debrarrichardson.com/cleanup YouTube Channel : https://www.youtube.com/channel/UCqeoffeQu3pSXMV8fUIGNiw More Podcasts/Blogs/Webinars www.debrarrichardson.com More ideas? Email me at debra@debrarrichardson.com Music Credit: www.purple-planet.com…
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Putting the AP in hAPpy
1 Episode 337: April 2025 Changes to the 1099-MISC and 1099-NEC 16:26
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Play Later Play Later Lists Like LikedOf course – the IRS has updated the 1099-MISC and 1099-NEC again effective for reporting Tax Year 2025 payments to your vendors. It’s not that bad though…. Keep listening. Check out my website www.debrarrichardson.com if you need help implementing authentication techniques, internal controls, and best practices to prevent fraudulent payments, regulatory fines or bad vendor data. Check out the Vendor Process Training Center for 116+ hours of weekly live and on-demand training for the Vendor team. Links mentioned in the podcast + other helpful resources: Training: From an Accounts Payable Perspective: Year-End Checklist for 1099-MISC, 1099-NEC and 1042-S Reporting IRS: Instructions for Forms 1099-MISC and 1099-NEC (Rev. April 2025) IRS : Form 1099-MISC (Rev. April 2025) https://www.irs.gov/pub/irs-pdf/f1099msc.pdf IRS : Form 1099-NEC (Rev. April 2025) https://www.irs.gov/pub/irs-pdf/f1099nec.pdf Customized Vendor Validations Session : https://debrarrichardson.com/vendor-validation-session Vendor Process Training Center - https://training.debrarrichardson.com Customized Fraud Training: https://training.debrarrichardson.com/customized-fraud-training Free Live and On-Demand Webinars: https://training.debrarrichardson.com/webinars Vendor Master File Clean-Up: https://www.debrarrichardson.com/cleanup YouTube Channel : https://www.youtube.com/channel/UCqeoffeQu3pSXMV8fUIGNiw More Podcasts/Blogs/Webinars www.debrarrichardson.com More ideas? Email me at debra@debrarrichardson.com Music Credit: www.purple-planet.com…
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Putting the AP in hAPpy
1 Episode 336: World Password Day’s Ultimate Advice for Maintaining Passwords 16:03
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Play Later Play Later Lists Like LikedWorld Password Day is the 1st Thursday in May every year. For the ultimate and not surprising advice this year from the National Cybersecurity Alliance…. Keep listening. Check out my website www.debrarrichardson.com if you need help implementing authentication techniques, internal controls, and best practices to prevent fraudulent payments, regulatory fines or bad vendor data. Check out the Vendor Process Training Center for 116+ hours of weekly live and on-demand training for the Vendor team. Links mentioned in the podcast + other helpful resources: National Cybersecurity Alliance: Create and Use Strong Passwords Customized Vendor Validations Session : https://debrarrichardson.com/vendor-validation-session Vendor Process Training Center - https://training.debrarrichardson.com Customized Fraud Training: https://training.debrarrichardson.com/customized-fraud-training Free Live and On-Demand Webinars: https://training.debrarrichardson.com/webinars Vendor Master File Clean-Up: https://www.debrarrichardson.com/cleanup YouTube Channel : https://www.youtube.com/channel/UCqeoffeQu3pSXMV8fUIGNiw More Podcasts/Blogs/Webinars www.debrarrichardson.com More ideas? Email me at debra@debrarrichardson.com Music Credit: www.purple-planet.com…
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Putting the AP in hAPpy
1 Episode 335: Why the Vendor Process Is Key to Preventing ACH, Wire and Check Payment Fraud 25:20
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Play Later Play Later Lists Like LikedInvoice automation is great for invoice processing and even has artificial intelligence tools that can help spot attempted fraud – but it’s really the vendor setup and maintenance process that will save you from making fraudulent electronic and check payments. Keep listening. Check out my website www.debrarrichardson.com if you need help implementing authentication techniques, internal controls, and best practices to prevent fraudulent payments, regulatory fines or bad vendor data. Check out the Vendor Process Training Center for 116+ hours of weekly live and on-demand training for the Vendor team. Links mentioned in the podcast + other helpful resources: Training: The BANK of AP: An Internal Control System to Combat Business Email Compromise Training: AVM 3 Step Vendor Setup & Maintenance process Workshop Customized Vendor Validations Session : https://debrarrichardson.com/vendor-validation-session Vendor Process Training Center - https://training.debrarrichardson.com Customized Fraud Training: https://training.debrarrichardson.com/customized-fraud-training Free Live and On-Demand Webinars: https://training.debrarrichardson.com/webinars Vendor Master File Clean-Up: https://www.debrarrichardson.com/cleanup YouTube Channel : https://www.youtube.com/channel/UCqeoffeQu3pSXMV8fUIGNiw More Podcasts/Blogs/Webinars www.debrarrichardson.com More ideas? Email me at debra@debrarrichardson.com Music Credit: www.purple-planet.com…
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Putting the AP in hAPpy
1 Episode 334: Flipping the Script - Two Tactics Vendors Are Using to Secure Their Bank Info With Clients (You) 22:26
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Play Later Play Later Lists Like LikedVendor team members need to be vigilant when collecting and confirming bank account information. Now, some vendors are doing the same. If you want to hear what tactics the vendors are using to secure their banking information and how it benefits vendor teams…. Keep listening. Check out my website www.debrarrichardson.com if you need help implementing authentication techniques, internal controls, and best practices to prevent fraudulent payments, regulatory fines or bad vendor data. Check out the Vendor Process Training Center for 116+ hours of weekly live and on-demand training for the Vendor team. Links mentioned in the podcast + other helpful resources: Authentication Training (Free ): AVM 3 Step Vendor Setup & Maintenance process Workshop Customized Vendor Validations Session : https://debrarrichardson.com/vendor-validation-session Vendor Process Training Center - https://training.debrarrichardson.com Customized Fraud Training: https://training.debrarrichardson.com/customized-fraud-training Free Live and On-Demand Webinars: https://training.debrarrichardson.com/webinars Vendor Master File Clean-Up: https://www.debrarrichardson.com/cleanup YouTube Channel : https://www.youtube.com/channel/UCqeoffeQu3pSXMV8fUIGNiw More Podcasts/Blogs/Webinars www.debrarrichardson.com More ideas? Email me at debra@debrarrichardson.com Music Credit: www.purple-planet.com…
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Putting the AP in hAPpy
1 Episode 333: Looking for Vendor Contact Info? 3 Reasons Why the FTC Warns Not To Use Online Search Results 11:25
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Play Later Play Later Lists Like LikedIf you perform a web search and use the results to find your vendor contact information or to confirm their information – you might want to hear what the Federal Trade Commission (FTC) warns against. Plus what you can do instead. Keep listening. Check out my website www.debrarrichardson.com if you need help implementing authentication techniques, internal controls, and best practices to prevent fraudulent payments, regulatory fines or bad vendor data. Check out the Vendor Process Training Center for 116+ hours of weekly live and on-demand training for the Vendor team. Links mentioned in the podcast + other helpful resources: FTC Article: Online search results: The good, the bad, and the scammy AVM Toolkit – Internal Vendor Request Form Customized Vendor Validations Session : https://debrarrichardson.com/vendor-validation-session Vendor Process Training Center - https://training.debrarrichardson.com Customized Fraud Training: https://training.debrarrichardson.com/customized-fraud-training Free Live and On-Demand Webinars: https://training.debrarrichardson.com/webinars Vendor Master File Clean-Up: https://www.debrarrichardson.com/cleanup YouTube Channel : https://www.youtube.com/channel/UCqeoffeQu3pSXMV8fUIGNiw More Podcasts/Blogs/Webinars www.debrarrichardson.com More ideas? Email me at debra@debrarrichardson.com Music Credit: www.purple-planet.com…
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Putting the AP in hAPpy
1 Episode 332: New Scam Alert – Beware of Inbound Snail Mail Scam 8:15
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Play Later Play Later Lists Like LikedFraudsters are using snail mail to deliver scams – watch out for this one reported by the US Postal Inspection Service. Keep listening. Check out my website www.debrarrichardson.com if you need help implementing authentication techniques, internal controls, and best practices to prevent fraudulent payments, regulatory fines or bad vendor data. Check out the Vendor Process Training Center for 116+ hours of weekly live and on-demand training for the Vendor team. Links mentioned in the podcast + other helpful resources: New Scam Alert: Ransomware Scam Letters Training: Frauds and New Scam Alerts + How To Prevent Them On-Demand Webinar: Vendor Validations Recommended for Compliance - Manual vs Automated https://training.debrarrichardson.com/course/june2024-2 Customized Vendor Validations Session : https://debrarrichardson.com/vendor-validation-session Vendor Process Training Center - https://training.debrarrichardson.com Customized Fraud Training: https://training.debrarrichardson.com/customized-fraud-training Free Live and On-Demand Webinars: https://training.debrarrichardson.com/webinars Vendor Master File Clean-Up: https://www.debrarrichardson.com/cleanup YouTube Channel : https://www.youtube.com/channel/UCqeoffeQu3pSXMV8fUIGNiw More Podcasts/Blogs/Webinars www.debrarrichardson.com More ideas? Email me at debra@debrarrichardson.com Music Credit: www.purple-planet.com…
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Putting the AP in hAPpy
1 Episode 331: Vendor Validations Recommended for Compliance 1:07:27
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Play Later Play Later Lists Like LikedAre you performing all required vendor validations to avoid non-compliance fines and penalties? Identify non-compliance risks, and get vendor validation recommendations for regulatory, watchlist, and electronic payment compliance. Keep listening. Check out my website www.debrarrichardson.com if you need help implementing authentication techniques, internal controls, and best practices to prevent fraudulent payments, regulatory fines or bad vendor data. Check out the Vendor Process Training Center for 116+ hours of weekly live and on-demand training for the Vendor team. Links mentioned in the podcast + other helpful resources: On-Demand Webinar: Vendor Validations Recommended for Compliance - Manual vs Automated Customized Vendor Validations Session : https://debrarrichardson.com/vendor-validation-session Vendor Process Training Center - https://training.debrarrichardson.com Customized Fraud Training: https://training.debrarrichardson.com/customized-fraud-training Free Live and On-Demand Webinars: https://training.debrarrichardson.com/webinars Vendor Master File Clean-Up: https://www.debrarrichardson.com/cleanup YouTube Channel : https://www.youtube.com/channel/UCqeoffeQu3pSXMV8fUIGNiw More Podcasts/Blogs/Webinars www.debrarrichardson.com More ideas? Email me at debra@debrarrichardson.com Music Credit: www.purple-planet.com…
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Putting the AP in hAPpy
1 Episode 330: New Scam Alert: 5 Ways the FBI Says Criminals Steal Checks You Send To Your Vendors 17:20
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Play Later Play Later Lists Like LikedThe FBI issued a Public Service Announcement that check theft via mail is increasing. See five ways they say criminals are stealing your vendor checks from the mail, and some resources to prevent check fraud. Keep listening. Check out my website www.debrarrichardson.com if you need help implementing authentication techniques, internal controls, and best practices to prevent fraudulent payments, regulatory fines or bad vendor data. Check out the Vendor Process Training Center for 116+ hours of weekly live and on-demand training for the Vendor team. Links mentioned in the podcast + other helpful resources: On-Demand Webinar: Avoid Paper Check Fraud When Paying Your Vendors – In 5 Steps New Scam Alert: FBI Issues PSA On Check Fraud Vendor Process Training Center - https://training.debrarrichardson.com Customized Fraud Training: https://training.debrarrichardson.com/customized-fraud-training Free Live and On-Demand Webinars: https://training.debrarrichardson.com/webinars Vendor Master File Clean-Up: https://www.debrarrichardson.com/cleanup YouTube Channel : https://www.youtube.com/channel/UCqeoffeQu3pSXMV8fUIGNiw More Podcasts/Blogs/Webinars www.debrarrichardson.com More ideas? Email me at debra@debrarrichardson.com Music Credit: www.purple-planet.com…
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Putting the AP in hAPpy
1 Episode 329: More Important Than Phishing Tests – Test Controls in Your Vendor Remittance Change Process 23:39
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Play Later Play Later Lists Like LikedWe are all familiar with phishing tests to test our ability to identify a fraudulent email – but what about a test to see if a fraudulent vendor request to change vendor remittance details can be leaked or changed? Keep listening. Check out my website www.debrarrichardson.com if you need help implementing authentication techniques, internal controls, and best practices to prevent fraudulent payments, regulatory fines or bad vendor data. Check out the Vendor Process Training Center for 116+ hours of weekly live and on-demand training for the Vendor team. Links mentioned in the podcast + other helpful resources: Free Training Sessions: https://training.debrarrichardson.com/free-training-sessions Plug Up the Gaps in Your Vendor Process to Avoid fraud, Fines and Bad Vendor Data Authentication (Includes a Free Authentication Reference Template) Pressure Testing 101: How to Stress-Test AP Fraud Controls: https://www.iofm.com/ap/whitepapers/pressure-testing-101-how-to-stress-test-ap-fraud-controls Vendor Process Training Center - https://training.debrarrichardson.com Customized Fraud Training: https://training.debrarrichardson.com/customized-fraud-training Free Live and On-Demand Webinars: https://training.debrarrichardson.com/webinars Vendor Master File Clean-Up: https://www.debrarrichardson.com/cleanup YouTube Channel : https://www.youtube.com/channel/UCqeoffeQu3pSXMV8fUIGNiw More Podcasts/Blogs/Webinars www.debrarrichardson.com More ideas? Email me at debra@debrarrichardson.com Music Credit: www.purple-planet.com…
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Putting the AP in hAPpy
1 Episode 328: Vendor Remittance Information = 3 Confirmation Calls 15:00
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Play Later Play Later Lists Like LikedIf you still receive vendor supporting documentation via email and process vendor adds and changes manually - this topic is for you, though, it may surprise some of you since I routinely say that confirmation calls are not the silver bullet to avoid fraud. What can 3 confirmation calls do? Keep listening. Check out my website www.debrarrichardson.com if you need help implementing authentication techniques, internal controls, and best practices to prevent fraudulent payments, regulatory fines or bad vendor data. Check out the Vendor Process Training Center for 116+ hours of weekly live and on-demand training for the Vendor team. Links mentioned in the podcast + other helpful resources: Vendor Master File Tip of the Week > New Best Practice To Avoid Fraud When Making That Confirmation Call: https://youtu.be/4Yv_D2hv76E Vendor Process Training Center - https://training.debrarrichardson.com Customized Fraud Training: https://training.debrarrichardson.com/customized-fraud-training Free Live and On-Demand Webinars: https://training.debrarrichardson.com/webinars Vendor Master File Clean-Up: https://www.debrarrichardson.com/cleanup YouTube Channel : https://www.youtube.com/channel/UCqeoffeQu3pSXMV8fUIGNiw More Podcasts/Blogs/Webinars www.debrarrichardson.com More ideas? Email me at debra@debrarrichardson.com Music Credit: www.purple-planet.com…
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Putting the AP in hAPpy
1 Episode 327: Do You Need to Collect A Voided Check Or Banking on Letterhead With Vendor Banking? 14:08
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Play Later Play Later Lists Like LikedI still run into vendor teams that collect vendor banking information on voided checks or letterhead. Is that still a best practice and if not, what else should be done? Keep listening. Check out my website www.debrarrichardson.com if you need help implementing authentication techniques, internal controls, and best practices to prevent fraudulent payments, regulatory fines or bad vendor data. Check out the Vendor Process Training Center for 116+ hours of weekly live and on-demand training for the Vendor team. Links mentioned in the podcast + other helpful resources: Vendor Master File Tip of the Week > Bad Practices When Changing Vendor’s Banking: https://youtu.be/0tNFDyvOhzg Vendor Process Training Center - https://training.debrarrichardson.com Customized Fraud Training: https://training.debrarrichardson.com/customized-fraud-training Free Live and On-Demand Webinars: https://training.debrarrichardson.com/webinars Vendor Master File Clean-Up: https://www.debrarrichardson.com/cleanup YouTube Channel : https://www.youtube.com/channel/UCqeoffeQu3pSXMV8fUIGNiw More Podcasts/Blogs/Webinars www.debrarrichardson.com More ideas? Email me at debra@debrarrichardson.com Music Credit: www.purple-planet.com…
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Putting the AP in hAPpy
1 Episode 326: Getting Ready for IRS Tax Reporting for Non-US Vendors: The Difference Between 1042-S, 1042-T and 1042 20:18
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Play Later Play Later Lists Like LikedIt’s getting close to tax reporting time for your reportable non-us vendors. In this episode, let’s talk about how to find those non-us vendors you didn’t know you had and cover the basics of the difference between 1042-S, 1042-T and the 1042. So if you are new to IRS tax reporting for non-us vendors…. Keep listening. Check out my website www.debrarrichardson.com if you need help implementing authentication techniques, internal controls, and best practices to prevent fraudulent payments, regulatory fines or bad vendor data. Check out the Vendor Process Training Center for 116+ hours of weekly live and on-demand training for the Vendor team. Links mentioned in the podcast + other helpful resources: From An Accounts Payable Perspective: A Step-by-Step Approach to Distribute 1099/1042's and File On Time: https://training.debrarrichardson.com/course/1099 IRIS: Small Volume E-Filing 1099-MISC and 1099-NEC: https://training.debrarrichardson.com/course/iris From an Accounts Payable Perspective: Year-End Checklist for 1099-MISC, 1099-NEC and 1042-S Reporting https://training.debrarrichardson.com/course/1099yearend Vendor Process Training Center - https://training.debrarrichardson.com Customized Fraud Training: https://training.debrarrichardson.com/customized-fraud-training Free Live and On-Demand Webinars: https://training.debrarrichardson.com/webinars Vendor Master File Clean-Up: https://www.debrarrichardson.com/cleanup YouTube Channel : https://www.youtube.com/channel/UCqeoffeQu3pSXMV8fUIGNiw More Podcasts/Blogs/Webinars www.debrarrichardson.com More ideas? Email me at debra@debrarrichardson.com Music Credit: www.purple-planet.com…
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Putting the AP in hAPpy
1 Episode 325: Build a Watchlist Compliance Matrix to Avoid Fraud and Fines – In 5 Steps 33:42
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Play Later Play Later Lists Like LikedIs your company based in the US? You may be familiar with the Office of Foreign Assets Control (OFAC), but do you know what other watchlists are required based on your company attributes or your vendor's? If you want 5 steps to build a watchlist compliance matrix to avoid fraud and fines….. Keep listening. Check out my website www.debrarrichardson.com if you need help implementing authentication techniques, internal controls, and best practices to prevent fraudulent payments, regulatory fines or bad vendor data. Check out the Vendor Process Training Center for 116+ hours of weekly live and on-demand training for the Vendor team. Links mentioned in the podcast + other helpful resources: Build a Watchlist Compliance Matrix to Avoid Fraud and Fines: https://training.debrarrichardson.com/course/february2024 Vendor Process Training Center - https://training.debrarrichardson.com Customized Fraud Training: https://training.debrarrichardson.com/customized-fraud-training Free Live and On-Demand Webinars: https://training.debrarrichardson.com/webinars Vendor Master File Clean-Up: https://www.debrarrichardson.com/cleanup YouTube Channel : https://www.youtube.com/channel/UCqeoffeQu3pSXMV8fUIGNiw More Podcasts/Blogs/Webinars www.debrarrichardson.com More ideas? Email me at debra@debrarrichardson.com Music Credit: www.purple-planet.com…
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Putting the AP in hAPpy
1 Episode 324: How Often Should You Clean Your Vendor Master File? And 3 Key Tasks To Include 24:19
24:19 Play Later Play Later Lists Like Liked24:19
Play Later Play Later Lists Like LikedNow that most of you have distributed your 1099’s to the vendor and filed the related forms to the IRS it’s fresh in your mind that there are issues with your vendor master file. If you want a recommendation for how often you should be cleaning it and what you should include... Keep listening. Check out my website www.debrarrichardson.com if you need help implementing authentication techniques, internal controls, and best practices to prevent fraudulent payments, regulatory fines or bad vendor data. Check out the Vendor Process Training Center for 116+ hours of weekly live and on-demand training for the Vendor team. Links mentioned in the podcast + other helpful resources: 8 steps to Clean Your Vendor Master File: https://training.debrarrichardson.com/course/cleanup Vendor Process Training Center - https://training.debrarrichardson.com Customized Fraud Training: https://training.debrarrichardson.com/customized-fraud-training Free Live and On-Demand Webinars: https://training.debrarrichardson.com/webinars Vendor Master File Clean-Up: https://www.debrarrichardson.com/cleanup YouTube Channel : https://www.youtube.com/channel/UCqeoffeQu3pSXMV8fUIGNiw More Podcasts/Blogs/Webinars www.debrarrichardson.com More ideas? Email me at debra@debrarrichardson.com Music Credit: www.purple-planet.com…
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