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How To Build Wealth at Any Age



zero-based budgeting

Are you tired of feeling stuck in a financial rut? Do you feel like you need to progress more toward your financial goal? Don’t stress – building wealth is possible at any age, and in this article, we’ll discuss some of the best strategies for US homeowners.

Whether in your early 20s, or late 40s, there is always time to start taking control of your finances and maximizing your earning potential. We’ll cover everything from diversifying your income streams to investing in real estate. Buckle up and prepare to take the first step toward financial success!

Get Creative: Alternative Investments and Passive Income

Let’s face it – relying on a single source of income can be risky. Diversifying your income streams to maximize your earning potential and ensure financial stability is essential. And while traditional markets like stocks and real estate can be great investment options, you can explore other alternative investments to help build wealth at any age.

If there’s one takeaway from this article we want you to have, it’s that homeowners build wealth faster than non-homeowners. We’ll dive more into this topic below but suffice it to say, the data shows that homeowners have larger net worths whether you cut the data across age, race, gender, or even location.

Online Businesses, Crowdfunding, or Peer-to-Peer Lending

One option is to look into alternative investments like online businesses, crowdfunding, or peer-to-peer lending. With the rise of the internet, there are now more opportunities than ever to invest in non-traditional assets.

For example, you could invest in a startup business through a crowdfunding platform like Kickstarter or lend money to others through peer-to-peer lending websites like LendingClub.

Passive Income Sources

But what about passive income sources? These offer a way to earn ongoing income even if you aren’t technically working. After putting in some initial effort to get it started, passive income may be able to continue with relatively less work (although some maintenance is always required). For instance, renting out a property. Whether you own a second home or just have a spare room, you can earn a steady income by renting it out.

And if you’re interested in starting your own blog or website, you could earn money through advertising or Affiliate-Marketing.

Tax Benefits Associated With Certain Investments

Certain investments come with tax benefits. For example, investing in a rental property allows you to deduct expenses like property taxes and maintenance costs from your taxable income. And if you invest in a business, you can claim deductions for expenses like equipment and supplies.

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In addition to the potential financial benefits, exploring alternative investments and passive income sources can also be a fun and rewarding experience. You might discover a new passion or hobby that generates income. And by diversifying your income streams, you’re better protected against unexpected events like a job loss or economic downturn.

Do Your Due Diligence Before Investing in Any Alternative Assets

Of course, doing your due diligence before investing in alternative assets is important. Ensure you understand the risks and potential returns associated with each investment, and seek the advice of a financial professional if you need clarification.

And remember, diversification is key – don’t put all your eggs in one basket.

Side Hustles: Contracting and Side Businesses

Building wealth doesn’t always have to involve taking on a second full-time job. Pursuing side hustles is an excellent way to generate additional income without sacrificing too much of your free time. Side hustles have many benefits, including flexibility, the ability to use your existing skills, and the opportunity to learn new ones.

1. Freelancer Sites for Those With Existing Skills

Use your existing skills to find work on freelancer sites such as Fiverr, Upwork, or Freelancer. These sites connect businesses and individuals with freelancers who can provide graphic design, web development, writing, and more services. Freelancing provides flexibility regarding when and where you work, allowing you to work around your existing schedule.

2. Alternative Options for Creating Income

If you don’t have specific skills or more free time, there are other options to create income. Completing surveys and other online tasks can be an easy way to earn extra cash. Some apps and websites pay you to watch ads, play games, and complete other simple tasks. While there may be more lucrative options, they can still add up.

3. Buying and Managing Websites or Assets

Another way to generate income is to buy and manage websites or digital assets. This can include purchasing a website or social media page that generates revenue through ads or affiliate marketing. Alternatively, you can buy assets such as cars, vending machines, and appliances and fix them up to flip them for profit. These ventures require some upfront investment but can be a profitable way to earn additional income.

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Homeownership: Building Equity and Increasing Net Worth

Homeownership is a great way to build wealth and increase your net worth. It is one of the most significant investments a person can make in their lifetime. Owning a home provides several benefits, including building equity and providing a stable living environment for families.

Building Equity Through Paying Down The Mortgage

Equity is the difference between the value of the property and the amount of money owed on the mortgage. Over time, homeowners build equity in their homes by paying down their mortgages. As the mortgage balance decreases, the homeowner’s equity increases.

By making extra payments or refinancing a shorter-term loan, homeowners can accelerate the process of building equity. Equity can also increase by making home improvements, increasing the property’s value.

Renting Out a Room or ADU for Additional Income

Another way homeowners can build wealth is by renting out a room or an accessory dwelling unit (ADU) on their property. These can provide additional income, which can be used to pay down the mortgage, build savings, or invest in other income-generating opportunities.

Homeowners can also take advantage of tax benefits associated with rental properties, such as property tax deductions and depreciation.

Historical Appreciation of Real Estate

Historical data shows real estate has appreciated at an average rate of 3-5% per year. While this may not seem like a significant amount, over time, the appreciation can add up, resulting in substantial gains in net worth.

Many statistics and facts demonstrate how homeownership can help build wealth. For example, homeownership is associated with higher net worth and more significant financial assets than renting.

Additionally, homeownership has been shown to lead to more significant long-term wealth accumulation and lower poverty rates. According to the Federal Reserve, the median net worth of homeowners is approximately $255,000, while the median net worth of renters is only $6,300.

Asset Diversification Is Key: Investing for Financial Stability

Building wealth through investing is an effective way to increase financial stability and achieve long-term goals. However, it is essential to diversify investments to minimize risk and maximize earning potential.

Diversification of assets helps reduce vulnerability to risks associated with one particular asset class. By diversifying your investments, you can offset losses in one asset class with gains in another. This approach reduces the impact of market volatility on your portfolio and can increase financial stability over the long term.

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Several asset classes are generally considered recession-proof (or at least more resistant to a prolonged downturn). These include precious metals, real estate, and high-quality bonds. Diversifying investments across these asset classes can reduce portfolio risk.

Value Stocks or Growth Stocks

Investors may also consider investing in value or growth stocks depending on their investment strategy. Value stocks are undervalued by the market and offer investors an opportunity to purchase a stock with strong fundamentals that others have overlooked. In contrast, growth stocks represent companies that are growing rapidly and are expected to continue growing.

Alternative Assets

Alternative assets such as artwork, wine, trading cards, NFTs, and music can also provide diversification benefits to investors. These assets can be uncorrelated to traditional asset classes like stocks and bonds, meaning their performance is not directly tied to the market.

However, it’s important to note that alternative assets can be illiquid, making them difficult to buy and sell quickly. Additionally, the value of these assets can be subjective and fluctuate significantly over time.

Leverage Compounding Interest

Compounding interest is another key concept in building wealth through investing. Compounding occurs when interest or returns earned on an investment are reinvested, generating additional returns. Over time, this can lead to significant growth in an investment portfolio.

For example, if you invest $10,000 with a 5% annual return and reinvest the earnings, your investment will grow to over $16,000 in ten years.

Investing can be complex and overwhelming, especially if you are new to the world of finance. Consider hiring a financial advisor to help you navigate the process and make informed investment decisions.

Final Take

Building wealth is possible at any age with the right strategies. We have discussed several key strategies, including diversifying income streams, pursuing side hustles, building equity through homeownership, and investing for financial stability.

It is essential to prioritize financial stability and work towards achieving financial goals. I encourage you to implement these strategies to build wealth and secure your financial future. By taking action now, you can achieve financial success at any age.

This article was produced by Reichtum der Geeks.


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Which is the Best WordPress Theme for You in 2023?



Which is the Best WordPress Theme for You in 2023?

So, Astra vs OceanWP – which one should you choose for your new website?

Astra and OceanWP are the most popular WordPress themes, and both offer a wide range of features. (I’ll get into a deep comparison later in this article.)

But let’s get straight to the point: Astra is the top theme between the two. And here’s why:

  • Performance: Astra is lightweight and performs better, making it an excellent choice if you focus on speed and efficiency.
  • Demo Sites: Astra provides a vast library of pre-built demo sites – more than OceanWP.
  • Features: Astra offers more features.

Considering the above factors, Astra generally emerges as the better theme for WordPress users.

One point in OceanWP‘s favor is that its customization options are more extensive.

But if you have time, please make sure to keep reading to get into the nitty-gritty details!

Astra vs OceanWP: Pros and Cons

If you are short on time, let me give you the pros and cons of each so you can choose now.

Astra Theme Pros and Cons


  • Performance and speed
  • Compatible with major page builders like Elementor and Beaver Builder
  • Over 90 templates on the free version and over 240 demo templates in total
  • Extensive hooks option to inject custom content
  • Integrations that will help with online courses are build-in


  • More expensive if you need the premium demos

OceanWP Theme Pros and Cons

OceanWP landing page


  • More customization options to control your canvas
  • Premium version includes extensions to provide extra front-end features
  • Small edge over Astra for WooCommerce


  • OceanWP is mainly compatible with Elementor page builder
  • Only 17 free templates
  • The extra customization options are not so user friendly

Distinct Features: Astra vs OceanWP

Astra and OceanWP are premium WordPress themes offering a wide range of features. Each theme possesses distinct characteristics that differentiate it from the other. Below are some of these features, which I will explain later.

Astra Unique Features:

  • LearnDash, LifterLMS, Und Easy Digital Downloads integration: Astra provides deep integration with these popular e-learning plugins. This integration allows you to create and manage online courses or sell digital products seamlessly within your website.
  • Astra is compatible with popular page builders like Elementor Und Beaver Builder and can be integrated easily with them.
  • Large selection of demo sites: Astra provides a wide range of professionally designed demo sites. But please note that the extensive selection of demo sites is available in the Essential Bundle, a premium add-on.
  • Fast and well-organized customizer: Astra has a user-friendly and efficient customizer interface.
  • Unlimited website usage: With Astra, you can use the theme on many websites. This can be helpful if you plan to build and launch several projects using the same theme.

Learn more about this theme in our Astra theme review.

OceanWP Unique Features:

  • Deep integration with WooCommerce: OceanWP is easily integrated with the popular WooCommerce plugin.
  • Ability to enable or disable CSS and JavaScript code snippets: OceanWP allows you to enable or disable specific CSS and JavaScript code snippets within the theme’s settings. This feature allows you to optimize your website.
  • Native popup login: OceanWP includes a native popup login feature. This can be particularly useful for membership or e-commerce sites where user accounts are essential.
  • Detailed page-level customization: OceanWP offers detailed control of the appearance and layout of pages.

Please note that these lists are incomplete; both themes have many other features and options available.

Templates/Demo Sites

About demo sites, Astra offers a more extensive selection compared to OceanWP. Astra provides over 240 unique demo sites. These are built with popular builder plugins like Elementor, Beaver Builder, Brizy, Und Gutenberg (using their “Ultimate Addons for Gutenberg” free plugin.)

While the free version of Astra includes 90+ demo sites, extra demo sites require one of the paid plans. The designs of Astra’s demo sites are visually appealing and offer a greater level of uniqueness.

Astra demo.

In contrast, OceanWP focuses only on Elementor and offers a limited selection of demo sites. The free version of OceanWP provides 17 Elementor templates. The premium starter plans include 220 extra templates.

OceanWP starter templates.

Also, some users may find OceanWP’s demo sites less captivating and somewhat outdated compared to Astra’s.

To sum it up, Astra’s demo site importer provides the following:

  • A greater variety of options with various builder plugins
  • A more extensive selection of demo sites
  • Visually appealing and distinctive designs

Developer Features

Custom Layouts and Hooks: Both Astra and OceanWP offer options for customizing layouts, including:

  • Headers
  • Footers
  • 404 pages
  • Hooks
  • Content within posts/pages

Astra Theme Features

Astra provides the option of a powerful hook that allows injecting custom content or code at specific locations. There are also conditional options for targeting specific content, users, dates, and devices.

Besides, Astra allows injecting content after a randomized number of blocks. Astra offers the Astra Hooks plugin for the free theme. The premium version includes the Custom Layouts feature.

OceanWP Theme Features

OceanWP offers the Ocean Hooks add-on, which enables injecting text, shortcodes, PHP, and HTML code into hook locations. Conditional logic and user role validation are also available.

OceanWP offers the following:

  • Comprehensive documentation
  • Code snippets
  • Visual representation of hook locations

Speed and Performance: Astra vs OceanWP

I compared the speed of Astra and OceanWP using just their base themes. It provided a basic understanding of their performance. But it’s important to note that real-world website performance can be influenced by various factors. These include server configuration, content, plugins, and optimizations applied.

Astra Performance Test

speed test Astra.

OceanWP Performance Test

speed test OceanWP.

When comparing the base themes of Astra and OceanWP for speed, it’s important to consider various factors, like the size of the theme files, the number of HTTP requests, and the loading time. Astra and OceanWP have put effort into optimizing their themes for performance, so, as you can see, the differences are marginal.

To get a more accurate understanding of their performance, it is recommended to conduct comprehensive speed tests using tools like GTmetrix, Pingdom, or Google PageSpeed Insights. These tools can provide insights into specific metrics like page load time, page size, and requests. This can help you assess the performance of the themes in a more realistic scenario.

WooCommerce Support

Both themes provide exceptional support for WooCommerce, the popular eCommerce platform.

Astra e-Commerce

Astra WooCommerce.

Astra offers extensive control over the design and behavior of your WooCommerce shop. It allows for customizing the product catalog page, single product page, and more.

The WooCommerce module in Astra will enable you to change the layout, colors, typography, and product metadata structure. Additionally, Astra supports WooCommerce and its eCommerce plugin, SureCart. With SureCart, you have even more options for online stores.

OceanWP e-Commerce

OceanWP is known for being one of the best themes for WooCommerce. It offers a wide range of customization options for your WooCommerce shop, even in the free version. The advanced styling section in OceanWP provides fine-grained control over the appearance of your shop. You can customize various elements without the need for coding.

Both themes excel in providing WooCommerce support. But Astra offers a unique advantage with its SureCart plugin.

Astra and OceanWP will give you good WooCommerce integration – and ample customization options for your online store.


Both Astra and OceanWP offer extensive customization options and integrations with page builders and plugins.

Astra header builder.

Astra stands out with better page builder integration, a Header and Footer builder, and more pre-designed templates. It offers a cleaner and more user-friendly customizer.

It also has specific integrations with LifterLMS and LearnDash for online course websites, making it a good choice.

But, OceanWP excels in page-level customization. It offers many options for layout, sidebar, title, heading, and footer.

OceanWP excels in WooCommerce customization, providing in-depth features and a seamless shopping experience.

As a result, it is the preferred choice for eCommerce websites.

Ultimately, the decision between Astra and OceanWP depends on specific requirements and priorities, such as page builder integration or eCommerce focus.

OceanWP page layout customizer.


Both Astra and OceanWP offer a range of customization options using the WordPress Customizer. But OceanWP provides more flexibility in the free version, particularly when it comes to typography choices.

Astra customizer.

Even when comparing the premium versions, OceanWP still has an advantage in flexibility. Astra has strengths in its drag-and-drop header and footer builder, allowing custom layouts.

It’s important to note that OceanWP’s Customizer area may feel cluttered due to the number of options.

Choosing between the two themes depends on your customization and ease-of-use preferences.

Support and Documentation

Both Astra and OceanWP offer strong support and comprehensive documentation. But there are some differences in user experiences.

Astra’s support has improved. There may have been slower support in the past, but users now generally receive better and faster responses.

Astra’s documentation is considered one of the most extensive in the market, featuring over 300 help articles. The documentation is well-organized. Articles are categorized under different sections, making navigating and finding the information you need easy.

Astra help articles.

On YouTube, you can find Astra’s channel that provides video tutorials and more support resources.

OceanWP offers excellent support, although there may be occasions when issues are not resolved as quickly as desired.

The support provided by OceanWP is divided into three tiers: Free, Regular, and Priority. Free support is available for the free version of the theme. Regular support caters to OceanWP’s premium version users. Priority support is a paid option, offering more dedicated support for a fee of either $29 for three months or $99 for a year.

OceanWP’s documentation is also extensive. It features a neatly organized homepage that categorizes articles under sections, allowing users to access the information easily.

The documentation for both themes is well-organized and provides users with a wealth of information.

Price Comparison: Astra vs OceanWP

Both Astra and OceanWP have free versions available on

For more advanced features and customization options, consider the premium versions.

The free version of OceanWP provides most of the Customizer options. The premium version adds new demo sites and front-end features such as popups, conditional hooks, and cookie notices.

Astra limits Customizer options in the free version but offers a wide range of templates. Upgrading to Astra Pro unlocks all Customizer options and advanced features.

Astra Pro Price

Astra pro pricing page.

Astra Pro offers plans that allow usage on unlimited sites, starting at $47 for the first year.

OceanWP Price

OceanWP pro pricing page.

OceanWP has plans with a website limit ranging from three to 50 sites, starting at $38 per year.

In summary, OceanWP’s free version may be more suitable if you prioritize customization options. But Astra’s free version is a good choice if you value a more extensive selection of demo sites. For the premium versions, Astra’s pricing allows usage on unlimited sites, while OceanWP has website limits.

When you look at the price, take into consideration your specific needs and the additional plugins included in the bundles.

Astra vs OceanWP: Our Conclusion

When comparing Astra vs OceanWP, both themes offer excellent features, and it’s difficult to make a wrong choice. Yet, Astra stands out as the top pick.

Astra’s focus on developers and its premium bundles with a wide range of starter sites make it an excellent choice for individuals and projects of any scale. Even in the free version, Astra provides more demos compared to OceanWP.

While OceanWP may have a slight advantage in customization options, Astra still offers enough flexibility for most users. Astra also boasts a more user-friendly Customizer experience and a drag-and-drop header/footer builder, enhancing the overall usability.

Astra has good integrations with plugins like LifterLMS and LearnDash. This makes it perfect for users who require those functionalities. Astra’s Custom Layouts feature provides greater flexibility for advanced users than Ocean Hooks.

Also, Astra’s pricing model makes it more affordable for those needing a theme for many sites, as it allows unlimited site usage.

But OceanWP excels as a WooCommerce-centric theme. It offers extensive customization options specifically tailored for online shops. It is slightly cheaper than Astra for single-site usage and provides access to all premium starter sites, mainly designed with Elementor. If you prefer building your site from scratch, OceanWP’s many customization options make it attractive.

Ultimately, the decision between Astra and OceanWP depends on the following:

  • The type of site you want to build
  • The number of sites you plan to use the theme on
  • Whether you value WooCommerce features

While Astra has a slight edge due to its overall team and community support, both themes offer exceptional features.

If you are new to WordPress, I recommend you read about the best WordPress themes for beginners. And if your focus is on SEO, we have 31 of the best WordPress themes for SEO to check out.


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How this affiliate marketing blog received 4.1M+ traffic with AI & SEO



How this affiliate marketing blog received 4.1M+ traffic with AI & SEO

Jitendra Vaswani, a successful affiliate marketer, has attracted millions of visitors to his blog thanks to his decade-long experience in digital marketing and expertise in creating engaging content. 

Using a combination of AI-powered tools and his Marketing acumen, he has become a trusted source of information for those looking to improve their online presence. This article will explore how Jitendra Vaswani leveraged AI-powered strategies to attract 4.1M+ traffic to his blog last year. Jitendra’s biggest accomplishment

Jitendra Vaswani’s BloggersIdeas is a top-notch resource in the digital marketing industry, highly respected for producing top-quality content. With over 4 million visitors annually and 100% organic traffic, the blog is a leading authority in the SEO space. Jitendra covers a wide range of topics related to online marketing, including SEO, social media, email marketing, and Affiliate-Marketing, making it a go-to resource for digital marketers worldwide. BloggersIdeas is also multilingual, attracting traffic from diverse countries, including the UK, US, EU, India, SG, MY, TH, ID, AU, NZ, SE, RU & Ukraine. If you want to learn from a digital marketing expert with a proven track record of success, Jitendra Vaswani and BloggersIdeas is the resource you need.

Understanding the importance of quality content

Jitendra Vaswani’s success in driving traffic to his blog can be attributed to several factors, including his focus on producing high-quality content. He understands that quality content is the backbone of any successful online business. Creating valuable, engaging, and informative content is critical to attracting and retaining visitors to his blog.

Jitendra Vaswani has utilized AI writing tools(your client can mention specific ones here) for keyword research, content ideation, and writing to achieve this. By leveraging the power of these tools, he has identified the topics his audience is interested in and created content that addresses their needs and pain points. This has helped him to establish himself as an authority in his niche and attract a loyal following of readers.

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Moreover, AI writing tools like Chat GPT  have also helped Jitendra Vaswani to optimize his content for search engines by identifying high-volume, low-competition keywords that he can target in his content. By doing so, he has ranked higher in search engine results pages and attracted even more traffic to his blog this year alone.

Moreover, Jitendra is also a firm believer in the power of storytelling. He knows stories are a great way to connect with readers, and he often uses real-life examples and case studies to illustrate his points. This makes the content more relatable and helps establish trust and credibility with his audience.

Another critical aspect of Jitendra’s content strategy is his emphasis on SEO optimization. He ensures that his content is optimized for search engines and includes relevant keywords, meta descriptions, and alt tags. This helps his blog rank higher in search engine results pages, which drives more organic traffic to his blog.

Experiment with different strategies: 

One of the keys to Jitendra’s success as an affiliate marketer is his willingness to experiment with different strategies. Jitendra knows that what works today may not work tomorrow, so he always looks for new ways to engage his audience and promote products.

One strategy that Jitendra has used successfully is to offer his audience exclusive deals and promotions. By partnering with companies and negotiating special discounts for his subscribers, Jitendra can incentivize his audience to purchase through his affiliate links.

Jitendra also experiments with different types of content, including blog posts, videos, and social media posts. By testing other formats and analyzing the data, he can identify which types of content are the most effective for driving traffic and conversions.

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Another strategy that Jitendra has used successfully is to optimize his calls to action. By testing different wording, colors, and placements for his calls-to-action, he can identify the most effective for converting visitors into customers.

As an affiliate marketer, it’s essential to be willing to try new things and adapt to changing trends. What works today may not work tomorrow, so it’s necessary to be constantly testing and experimenting with different strategies. Affiliate marketers can increase their chances of success in this competitive industry by following Jitendra’s example and being open to new ideas and approaches.

Constantly Analyze Your Data

By analyzing this data, Jitendra can identify which pages and content are performing well and which are not. He can also see where his traffic is coming from, such as search engines, social media, or referrals. This information allows him to make data-driven decisions to optimize his content, marketing strategies, and overall website performance.

For example, Jitendra might notice that one blog post receives a lot of traffic but has a low conversion rate. He can then analyze the post to see any issues with the call-to-action or if the content needs to be updated or improved to align with his audience’s needs.

Jitendra’s constant analysis of his blog’s data also helps him stay on top of trends and changes in his industry. By tracking keyword rankings and social media metrics, he can identify which topics and products are popular among his audience and adjust his content and promotions accordingly.

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Build a Loyal Following

One of the reasons why Jitendra has been so successful as an affiliate marketer and blogger is that he has built a loyal following of readers and subscribers. He understands the importance of engaging with his audience and providing them with valuable content and exclusive deals.

Jitendra is active on social media platforms like Twitter, Facebook, and LinkedIn, sharing his blog posts, industry news, and personal insights. By engaging with his followers and responding to comments and questions, he can build a strong connection with his audience and establish himself as an authority in his niche.

By building a loyal following, Jitendra has created a community of readers and subscribers who trust him and are more likely to make purchases through his affiliate links. This has helped him to generate a steady stream of passive income through his blog and affiliate marketing efforts.

Abschließende Gedanken

Jitendra Vaswani’s success in attracting 4.1M+ traffic to his blog is a testament to his focus on producing high-quality content, experimenting with different strategies, constantly analyzing his data, building a loyal following, and using email marketing campaigns. His emphasis on storytelling and SEO optimization has helped him to produce engaging and informative content that ranks high in search engine results pages. Jitendra has established himself as an authority in the affiliate marketing industry by being willing to try new things and adapt to changing trends. Affiliate marketers who follow his example can increase their chances of success and generate a steady stream of passive income through their blog and affiliate marketing efforts.

This article was written in cooperation with LinkOceans Digital


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50 Cent Says Floyd Mayweather Slept with Earl Hayes’ Wife Before Murder-Suicide



J. Cole fordert die Fans auf, die NFL nicht mehr zu sehen

50 Cent Says Floyd Mayweather Slept with Earl Hayes’ Wife Before Murder-Suicide


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