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HOME AFFORDABILITY GETS TOUGHER DURING SECOND QUARTER ACROSS U.S. AS PRICES SHOOT BACK UP

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Major Home-Ownership Expenses Now Consume 35 Percent of Average Wage Nationwide; Portion Hits High Point in Over a Decade as Median Home Price Soars to Another Record

IRVINE, Calif., July 3, 2024 /PRNewswire/ — ATTOM, a leading curator of land, property and real estate data, today released its second-quarter 2024 U.S. Home Affordability Report showing that median-priced single-family homes and condos remained less affordable in the second quarter of 2024 compared to historical averages in 99 percent of counties around the nation with enough data to analyze. The latest trend continued a pattern, dating back to early 2022, of home ownership requiring historically large portions of wages around the country amid ongoing high residential mortgage rates and elevated home prices.

The report also shows that major expenses on median-priced homes consumed 35.1 percent of the average national wage in the second quarter – marking the high point since 2007 and standing well above the common 28 percent lending guideline.

Both the historic and current measures represented quarterly and annual setbacks following a brief period of improvement from late 2023 into early 2024. The shifts came as the national median home price spiked to a new high of $360,000 during the Spring buying season and mortgage rates remained around 7 percent, leading to increases in the cost of owning a home that outpaced recent increases in wages.

As a result, the portion of average wages nationwide required for typical mortgage payments, property taxes and insurance grew about three percentage points from both the first quarter of this year and the second quarter of last year.

“The latest affordability data presents a clear challenge for home buyers. While home prices are increasing and mortgage rates remain relatively high, these factors are making homes less affordable,” said Rob Barber, CEO for ATTOM. “It’s common for these trends to intensify during the Spring buying season when buyer demand increases. However, the trends this year are particularly challenging for house hunters, more so than at any point since the housing market boom began in 2012. As the 2024 buying season progresses into the Summer, we will continue to monitor the data closely.”

The patterns during the months running from April through June came as the national median home price rose 7.3 percent quarterly and 4.7 percent annually. Further hampering buyers during the second quarter were average 30-year home-mortgage rates that ended the quarter at about 6.9 percent, or more than double where they stood in 2021.

Those factors helped boost home ownership expenses by about 10 percent in the second quarter of 2024 after declining slightly in the prior two quarters.

The report determined affordability for average wage earners by calculating the amount of income needed to meet major monthly home ownership expenses — including mortgage payments, property taxes and insurance — on a median-priced single-family home, assuming a 20 percent down payment and a 28 percent maximum “front-end” debt-to-income ratio. That required income was then compared to annualized average weekly wage data from the U.S. Bureau of Labor Statistics (see full methodology below).

Compared to historical levels, median home ownership costs in 582 of the 589 counties analyzed in the second quarter of 2024 were less affordable than in the past. That number was up just slightly from 579 of the same counties in the first quarter of this year and from 577 in the second quarter of last year. But it was more than 15 times the figure from early 2021.

Meanwhile, the portion of average local wages consumed by major home-ownership expenses on typical homes was considered unaffordable during the second quarter of 2024 in about 80 percent of the 589 counties in the report, based on the 28 percent guideline. Counties with the largest populations that were unaffordable in the second quarter were Los Angeles County, CA; Cook County (Chicago), IL; Maricopa County (Phoenix), AZ; San Diego County, CA, and Orange County, CA (outside Los Angeles).

The most populous of the 115 counties with affordable levels of major expenses on median-priced homes during the second quarter of 2024 were Harris County (Houston), TX; Wayne County (Detroit), MI; Philadelphia County, PA; Cuyahoga County (Cleveland), OH, and Allegheny County (Pittsburgh), PA.

View Q2 2024 U.S. Home Affordability Heat Map 

National median home price jumps quarterly and annually in most markets
The national median price for single-family homes and condos shot up to $360,000 in the second quarter of 2024 – $15,000 more than the previous high of $345,000 hit in the Spring of 2022. The latest figure was up from $335,500 in the first quarter of 2024 and from $344,000 in the second quarter of last year.

At the county level, median home prices rose from the first quarter to the second quarter of this year in 514, or 87.3 percent, of the 589 counties included in the report. Annually, they followed a similar pattern, up in 441, or 74.9 percent of those markets.

Data was analyzed for counties with a population of at least 100,000 and at least 50 single-family home and condo sales in the second quarter of 2024.

Among the 47 counties in the report with a population of at least 1 million, the biggest year-over-year increases in median prices during the second quarter of 2024 were in Orange County, CA (outside Los Angeles) (up 16.2 percent); Alameda County (Oakland), CA (up 12 percent); King County (Seattle), WA (up 11.3 percent); Santa Clara County (San Jose), CA (up 9.8 percent) and Nassau County, NY (outside New York City) (up 8.9 percent).

Counties with a population of at least 1 million where median prices remained down the most from the second quarter of 2023 to the same period this year were Honolulu County, HI (down 3.8 percent); Tarrant County (Forth Worth), TX (down 1.5 percent); Oakland County, MI (outside Detroit) (down 1.4 percent); Hennepin County (Minneapolis), MN (down 1.1 percent) and Fulton County (Atlanta), GA (down 1 percent).

Prices growing faster than wages in half the U.S.
With home values mostly up annually throughout the U.S., year-over-year price changes outpaced changes in weekly annualized wages during the second quarter of 2024 in 293, or 49.7 percent, of the 589 counties analyzed in the report. (Affordability worsened because of that pattern as well as high interest rates and rising property taxes).

The latest group of counties where prices increased more than wages annually included Los Angeles County, CA; Cook County, (Chicago), IL; Maricopa County (Phoenix), AZ; San Diego County, CA, and Orange County, CA (outside Los Angeles).

On the flip side, year-over-year changes in average annualized wages bested price movements during the second quarter of 2024 in 296 of the counties analyzed (50.3 percent). The latest group where wages increased more than prices included Harris County (Houston), TX; Dallas County, TX; Queens County, NY; Tarrant County (Fort Worth), TX, and Bexar County (San Antonio), TX.

Portion of wages needed for home ownership jumps quarterly and annually in most of nation
As home prices soared and interest rates stayed relatively high, the portion of average local wages consumed by major expenses on median-priced, single-family homes and condos went up from the first quarter of 2024 to the second quarter of 2024 in 547, or 92.9 percent, of the 589 counties analyzed. It topped the level from a year earlier in 92.4 percent of those markets.

The typical $2,114 cost of mortgage payments, homeowner insurance, mortgage insurance and property taxes nationwide marked a new high, consuming 35.1 percent of the average annual national wage of $72,358 last quarter. That was up from 31.9 percent in the first quarter of 2024 and from 32.1 percent in the second quarter of last year – far above the recent low point of 21.3 percent hit in the first quarter of 2021.

The latest figure exceeded the 28 percent lending guideline in 474, or 80.5 percent, of the counties analyzed, assuming a 20 percent down payment. That was up from 73.2 percent of the same group of counties in the first quarter of 2024 and 73.5 percent a year ago. It was roughly twice the level recorded in early 2021.

In more than a third of the markets analyzed, major expenses consumed at least 43 percent of average local wages, a benchmark considered seriously unaffordable.

The worst affordability declines generally hit upscale markets concentrated in the West and Northeast with second-quarter median prices of at least $450,000. Those counties already were among the most unaffordable in the U.S.

Among counties with a population of at least 1 million, the largest annual increases in the typical portion of average local wages needed for major ownership expenses were in Orange County, CA (outside Los Angeles) (up from 85.3 percent in the second quarter of 2023 to 103.4 percent in the second quarter of 2024); Alameda County (Oakland), CA (up from 73.3 percent to 86.7 percent); Kings County (Brooklyn), NY (up from 101.3 percent to 111.8 percent); Nassau County, NY (outside New York City) (up from 66.6 percent to 75.7 percent) and Los Angeles County, CA (up from 67.4 percent to 76 percent).

Affordability still toughest along northeast and west coasts
All but one of the top 20 counties where major ownership costs required the largest percentage of average local wages during the second quarter of 2024 were on the northeast or west coasts. The leaders were Santa Cruz County, CA (113.8 percent of annualized local wages needed to buy); Kings County (Brooklyn), NY (111.8 percent); Marin County, CA (outside San Francisco) (109.2 percent); Maui County, HI (105.9 percent) and Orange County, CA (outside Los Angeles) (103.4 percent).

Aside from Kings and Orange counties, those with a population of at least 1 million where major ownership expenses typically consumed more than 28 percent of average local wages in the second quarter of 2024 included Alameda County (Oakland), CA (86.7 percent required); Queens County, NY (78.5 percent) and San Diego County, CA (77.2 percent).

Counties where the smallest portion of average local wages were required to afford the median-priced home during the second quarter of this year were Cambria County, PA (east of Pittsburgh) (12 percent of annualized weekly wages needed to buy a home); Macon County (Decatur), IL (13.3 percent); Peoria County, IL (14.6 percent); Schuylkill County, PA (outside Allentown) (14.6 percent) and Mercer County, PA (north of Pittsburgh) (15.2 percent).

Wage needed to afford typical home 25 percent more than U.S. average
Major home ownership expenses on typical homes sold in the second quarter of 2024 required an annual income of $90,598 to be affordable, which was 25.2 percent more than the latest average national wage of $72,358.

Annual wages of more than $75,000 were needed to pay for major costs on median-priced homes purchased during the second quarter of 2024 in 343, or 58.2 percent, of the 589 markets in the report. That posed major obstacles as average wages exceed that amount in just 11.9 percent of the counties reviewed.

The 20 largest annual wages required to afford typical homes remained on the east or west coasts, led by San Mateo County, CA ($418,928); New York County (Manhattan), NY ($407,393); Santa Clara County (San Jose), CA ($394,999); Marin County, CA (outside San Francisco) ($354,264) and San Francisco County, CA ($339,981).

The lowest annual wages required to afford a median-priced home in the second quarter of 2024 were in Cambria County, PA (east of Pittsburgh) ($20,668); Schuylkill County, PA (outside Allentown) ($27,277); Mercer Count, PA (north of Pittsburgh) ($28,130); Bibb County (Macon), GA ($31,681) and Macon County (Decatur), IL ($31,826).

Virtually every local market around U.S. remains historically less affordable
Among the 589 counties analyzed, 582, or 98.8 percent, were less affordable in the second quarter of 2024 than their historic affordability averages. That was only slightly worse than the 98.3 percent level in the first quarter of 2024 and the 98 percent portion in the second quarter of last year, but 17 times the 5.8 percent figure from the first quarter of 2021. Historical indexes worsened compared to the second quarter of last year in 92.9 percent of those counties, leaving the nationwide index at its lowest point in 17 years.

Counties with a population of at least 1 million that were less affordable than their historic averages (indexes of less than 100 are considered historically less affordable) included Mecklenburg County (Charlotte), NC (index of 59); Fulton County (Atlanta), GA (60); Wake County (Raleigh), NC (62); Franklin County (Columbus), OH (62) and Wayne County (Detroit), MI (63).

Among counties with a population of at least 1 million, those where the affordability indexes worsened most from the second quarter of 2023 to the second quarter of 2024 were Orange County, CA (outside Los Angeles) (index down 17.5 percent); Alameda County (Oakland), CA (15.5 percent); Broward County (Fort Lauderdale), FL (down 12.5 percent); King County (Seattle), WA (down 12.4 percent) and Nassau County, NY (outside New York City) (down 12.1 percent).

Just 1 percent of counties are more affordable than historic averages
Only seven of the 589 counties in the report (1.2 percent) were more affordable than their historic averages in the second quarter of 2024. That was slightly less than the 2 percent level from a year earlier and far worse than the 94.2 percent portion that were historically more affordable in the first quarter of 2021.

Counties that were more affordable in the second quarter of this year compared to historical averages included Macon County (Decatur), IL (index of 117); San Francisco County, CA (105); Ontario County, NY (outside Rochester) (104); Mercer County, PA (north of Pittsburgh) (102) and New York County (Manhattan), NY (102).

Report Methodology
The ATTOM U.S. Home Affordability Index analyzed median home prices derived from publicly recorded sales deed data collected by ATTOM and average wage data from the U.S. Bureau of Labor Statistics in 589 U.S. counties with a combined population of 260.7 million during the second quarter of 2024. The affordability index is based on the percentage of average wages needed to pay for major expenses on a median-priced home with a 30-year fixed-rate mortgage and a 20 percent down payment. Those expenses include property taxes, home insurance, mortgage payments and mortgage insurance. Average 30-year fixed interest rates from the Freddie Mac Primary Mortgage Market Survey were used to calculate monthly house payments.

The report determined affordability for average wage earners by calculating the amount of income needed for major home-ownership expenses on median-priced homes, assuming a loan of 80 percent of the purchase price and a 28 percent maximum “front-end” debt-to-income ratio. For example, affording the nationwide median home price of $360,000 in the second quarter of 2024 required an annual wage of $90,598. That was based on a $72,000 down payment, a $288,000 loan and monthly expenses not exceeding the 28 percent barrier — meaning wage earners would not be spending more than 28 percent of their pay on mortgage payments, property taxes and insurance. That required income was more than the $72,358 average wage nationwide, based on the most recent average weekly wage data available from the Bureau of Labor Statistics, making a median-priced home nationwide unaffordable for average workers.

About ATTOM
ATTOM provides premium property data to power products that improve transparency, innovation, efficiency, and disruption in a data-driven economy. ATTOM multi-sources property tax, deed, mortgage, foreclosure, environmental risk, natural hazard, and neighborhood data for more than 155 million U.S. residential and commercial properties covering 99 percent of the nation’s population. A rigorous data management process involving more than 20 steps validates, standardizes, and enhances the real estate data collected by ATTOM, assigning each property record with a persistent, unique ID — the ATTOM ID. The 30TB ATTOM Data Warehouse fuels innovation in many industries including mortgage, real estate, insurance, marketing, government and more through flexible data delivery solutions that include ATTOM Cloudbulk file licensesproperty data APIsreal estate market trendsproperty navigator and more. Also, introducing our newest innovative solution, making property data more readily accessible and optimized for AI applications– AI-Ready Solutions

Media Contact:
Megan Hunt
megan.hunt@attomdata.com 

Data and Report Licensing:
datareports@attomdata.com

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SOURCE ATTOM

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Leoguar Electric Bike Makes Christmas Unforgettable with Exclusive Holiday Offers

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HOUSTON, Dec. 25, 2024 /PRNewswire/ — As the holiday season draws near, Leoguar is excited to offer exclusive deals on their range of electric bikes, bringing families together for memorable moments. With a collection designed to combine fun and fitness, this Christmas is the perfect time to gift an unforgettable experience.

“This Christmas, we’re inviting families to rediscover the joy of outdoor exploration. Our bikes help you bond, stay active, and make the most of every moment,” said the Leoguar COO.

Leoguar’s holiday lineup offers premium e-bikes for every rider, now with unbeatable deals: 

Flippo Folding eBike: A lightweight, foldable ride perfect for urban commutes. Upgrade to the Flippo Pro for enhanced performance with a torque sensor for smoother rides.

Fastron Fat Tire eBikes: Built for rugged terrains, the Fastron features a durable, rugged build, and speeds up to 28 MPH, making it the perfect choice for adventurous riders.

Zephyr Beach Cruiser eBikes: Crafted for effortless coastal cruising, the design combines style and comfort, featuring a comfort saddle that ensures a smooth, seamless ride.

Sprint Utility eBike: A versatile, practical choice featuring a sturdy frame and passenger seat, perfect for errands or leisure.

Trailblazer EMTB: Designed for tough off-road trails, the model features a 500W mid-drive motor, offering powerful performance, extended range, and excellent climbing ability.

To make this holiday gift even sweeter, all Leoguar bikes come with free shipping and a two-year warranty for worry-free riding. Additionally, customers can join the holiday giveaway to win prizes like $59 bottle holders, or even a free e-bike!

Leoguar bikes cater to all experience levels, offering comfort and a seamless riding experience. They promote health benefits like improved fitness and stress relief while creating lasting memories on scenic rides.

“Whether it’s cruising the city streets, riding mountain trails, or relaxing by the beach, a Leoguar electric bike is the ideal Christmas gift,” the COO added. “This holiday season, choose a cycling gift that will last for years to come — there’s no better way to kick off the new year.”

To check out the full collection and take advantage of these limited-time offers, visit www.leoguarbikes.com

About Leoguar:

Leoguar is an eco-conscious e-bike brand founded by Johnny, an engineer with decades of industry expertise. Combining innovation, agility, and power, Leoguar delivers high-quality electric bikes designed for adventure, sustainability, and individuality.

Media contact: lily@leoguarbikes.com 

 

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SOURCE Leoguar Electric Bikes

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2024 Financial Oscars: Waton Securities International Honored as “Outstanding Digital Empowerment Institution” of the Year

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SHENZHEN, China, Dec. 25, 2024 /PRNewswire/ — In early December, at the 18th Huaxia Institutional Investor Annual Conference of 2024, the 18th Golden Cicada Awards were announced. Waton Securities International was awarded the “Outstanding Digital Empowerment Financial Institution of 2024” for its significant achievements in securities brokerage and fin-tech sector.

The selection for the “Outstanding Digital Empowerment Financial Institution” focused on evaluating companies based on financial performance, market competitiveness, customer recognition, digital strategy planning and implementation, digital transformation outcomes, and risk control capabilities. Particularly, it highlighted cases that have made significant strides in digital empowerment.

The evaluation also emphasized the outstanding performance of financial institutions in their own digital transformation and the sound risk control abilities demonstrated during this process, ensuring that while pursuing innovation, companies can effectively manage and control risks. Waton Securities International distinguished itself among the contenders with its sophisticated technology platform, well-defined digital strategy, substantial transformation achievements, and commendable risk control mechanisms.

Established in Hong Kong in 1989, Waton Securities International has steadily grown with a deep understanding of professional financial services and regulatory compliance. It has obtained licenses 1/4/5/9 from the Hong Kong Securities and Futures Commission, becoming a fully licensed brokerage with comprehensive financial service qualifications. Through continuous technological innovation and digital transformation, it has successfully built a one-stop brokerage cloud service platform, promoting advanced digital financial technology globally. Its pioneering SaaS product, “Broker Cloud”, allows corporate clients to independently deploy and operate high-performance digital customer information management and trading systems without their own IT teams. The solution is relatively low-cost and adaptive to industry, which is the core competitiveness of Waton Securities International.

Data reveals that of the 1,100 securities firms in Hong Kong, approximately 600 are actively trading, yet fewer than 50 have developed their own mobile applications. On a global scale, among the 30,000 securities companies, only a handful—less than 300—feature brokerage trading Apps in App stores. This underscores a significant market demand for the digital enhancement of the securities sector.

With the swift growth of technologies like generative AI LLMs, blockchain, big data, and cloud computing, the securities industry can use these tools to streamline trading strategies, assess risks more accurately, and forecast market trends. These technologies also help the industry to move towards more integrated, platform-focused, and digital operations. The main goal of technology in finance is to increase the efficiency of financial institutions. A good starting point for applying technology is to focus on financial services and build a solid technical foundation for these institutions.

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SOURCE Waton Securities

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Mega Matrix Announced that the English Version of “Getting Even: The Secret Prodigy’s Playbook” Now Streaming on FlexTV

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SINGAPORE, Dec. 25, 2024 /PRNewswire/ — The highly anticipated English adaptation of the revenge rebirth series, Getting Even: The Secret Prodigy’s Playbook, officially premiered on December 19th on FlexTV, the world-leading short drama streaming platform operated by Mega Matrix Inc. (NYSE American: MPU). The series delves into the intricacies of power struggles within the White family, chronicling the protagonist’s journey of rebirth and empowerment to rewrite her destiny.

Audrey White, the legitimate daughter of the White family, was sent abroad at a young age due to family circumstances, gradually estranging her from her kin. When she finally returns home, eager to reunite with her family, she unexpectedly becomes the target of jealousy from Ruby White, the family’s adopted daughter. Harboring deep resentment, Ruby orchestrates a kidnapping plot, culminating in a devastating fire designed to test the loyalty and affection of the White family.

Left to perish in the flames, Audrey is abandoned by her family but heroically rescued by her uncle. Miraculously, she is granted a second chance at life, returning three years prior with the power to alter her fate. Determined to expose Ruby’s schemes, rebuild her family bonds, and claim her rightful respect and happiness, Audrey embarks on a journey of resilience and redemption.

FlexTV, operated by MPU, is a global leader in short drama streaming, delivering content in over 100 countries in multiple languages, including English, Japanese, Korean, Portuguese, Spanish, French, and Arabic. Known for its premium-quality dramas and unparalleled user experience, FlexTV has captured the hearts of audiences worldwide. The English version of Getting Even: The Secret Prodigy’s Playbook, now streaming on FlexTV, offers a compelling exploration of familial power dynamics, the complexities of human nature, and the protagonist’s growth and self-redemption in adversity. For more exciting content, please visit https://www.flextv.cc/.

#WealthyFamily #Revenge #Rebirth #ShortDrama #FlexTV #MPU

About Mega Matrix Inc.: Mega Matrix Inc. (NYSE American: MPU) is a holding company and operates FlexTV, a short-video streaming platform and producer of short dramas, through its subsidiary, Yuder Pte, Ltd.. Mega Matrix Inc. is a Cayman Island corporation headquartered in Singapore. For more information, please contact info@megamatrix.io or visit: http://www.megamatrix.io.

Forward-Looking Statements

This press release contains forward-looking statements within the meaning of the “safe harbor” provisions of the United States Private Securities Litigation Reform Act of 1995. All statements in this press release other than statements that are purely historical are forward looking statements. When used in this press release, the words “estimates,” “projected,” “expects,” “anticipates,” “forecasts,” “plans,” “intends,” “believes,” “seeks,” “may,” “will,” “should,” “future,” “propose,” and variations of these words or similar expressions (or the negative versions of such words or expressions) are intended to identify forward-looking statements. These forward-looking statements are not guarantees for future performance, conditions or results, and involve a number of known and unknown risks, uncertainties, assumptions and other important factors, many of which are outside the Company’s control, that could cause actual results or outcomes to differ materially from those discussed in the forward-looking statements. Important factors, among others, are: the ability to manage growth; ability to identify and integrate future acquisitions; ability to grow and expand our FlexTV business; ability to execute the strategic cooperation with TopReels, ability to obtain additional financing in the future to fund capital expenditures; ability to establish the investment fund with 9 Yards Communications under the memorandum of understanding; fluctuations in general economic and business conditions; costs or other factors adversely affecting the Company’s profitability; litigation involving patents, intellectual property, and other matters; potential changes in the legislative and regulatory environment; a pandemic or epidemic; the possibility that the Company may not succeed in developing its new lines of businesses due to, among other things, changes in the business environment, competition, changes in regulation, or other economic and policy factors; and the possibility that the Company’s new lines of business may be adversely affected by other economic, business, and/or competitive factors. The forward-looking statements in this press release and the Company’s future results of operations are subject to additional risks and uncertainties set forth under the “Risk Factors” in documents filed by the Company’s predecessor, Mega Matrix Corp., with the Securities and Exchange Commission, including the Company’s latest annual report on Form 10-K, as amended, and are based on information available to the Company on the date hereof. In addition, such risks and uncertainties include the Company’s inability to predict or control bankruptcy proceedings and the uncertainties surrounding the ability to generate cash proceeds through the sale or other monetization of the Company’s assets. The Company undertakes no obligation to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise, except as required by applicable law. Readers are cautioned not to place undue reliance on forward-looking statements, which speak only as of the date of this press release.

Disclosure Channels

We announce material information about the Company and its services and for complying with our disclosure obligation under Regulation FD via the following social media channels:

The Company will also use its landing page on its corporate website (www.megamatrix.io) to host social media disclosures and/or links to/from such disclosures. The information we post through these social media channels may be deemed material. Accordingly, investors should monitor these social media channels in addition to following our website, press releases, SEC filings and public conference calls and webcasts. The social media channels that we intend to use as a means of disclosing the information described above may be updated from time to time as listed on our website.

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